vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Since XXXX of XXXX I have been recieving multiple calls daily from XXXX claiming to be citizens bank loan and finance collectors with a call back number XXXX. The name they inquired about was a XXXX XXXX which I do not know who this person is, I have no relation to that name, family, friends or otherwise. I am not a citizen 's bank customer past or present and have never used any services from the company. I notified the company ; by calling the citizens bank customer number provided from XXXX as well as calling the number provided in the complaint, back in XXXX and on XX/XX/XXXX but the calls continued. Usually several times a day ( 2-4 times everyday ) between XXXX and even up until filing this complaint. I attempted to block the number but they continued leaving multiple voicemails each time they called until my voicemail was full. I also notified my phone company. All of this has hindered my local business since clients can not leave a message when attempting to contact me. I have contacted the number several times, ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX ) demanding them to stop. Each time they claimed they would take my number out of their system but I am still being harassed and have even recieved a call as I am filling out this complaint. I did notify them on XX/XX/XXXX that I would be filing a police report if they did not cease their activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I CHECK MY CREDIT PROFILE AND THERE WAS SEVERAL IN CORRECT ACCOUNTS LISTED ON MY REPORT SOME OF THE ACCOUNTS I WAS NOT AWARE OF IM NOT SURE IF A CLOSE FRIEND, CO WORKER OR FAMILY MEMBER USE MY IDENTITY BECAUSE IM USUALLY SAFE GUARDED BUT THERE ARE FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA 'S. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I CHECK MY CREDIT PROFILE AND THERE WAS SEVERAL IN CORRECT ACCOUNTS LISTED ON MY REPORT SOME OF THE ACCOUNTS I WAS NOT AWARE OF IM NOT SURE IF A CLOSE FRIEND, CO WORKER OR FAMILY MEMBER USE MY IDENTITY BECAUSE IM USUALLY SAFE GUARDED BUT THERE ARE FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA 'S. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
When retrieving my credit report of XXXX on annualcreditreport.com I noticed irregularities which led me to find out I am in fact a victim of identity theft. There has been several charges made on multiple credit cards of mine and then finding out of new accounts that I never opened. I did NOT make these transactions nor open any new accounts. This was definitely a direct result of identity theft. It has now come to my attention that my former roommate, XXXX XXXX with whom I moved in with after separating from wife, XXXX XXXX on XX/XX/XXXX. XXXX has called several furnishers to retrieve information and opened new accounts without my consent. XXXX preyed on my emotions at a very vulnerable time and as soon as I started to suspect irregularities in my financial portfolio, she took her son out of school and moved to XXXX XXXX, NV, I believe living with a grandmother that resides there. I have read The guidelines for the procedure by the FTC and have taken all measures necessary. In addition, I filed 2 police reports in both towns I live/lived for theft and fraud, have put fraud alerts on my credit report with all 3 bureaus, informed all necessary parties of the identity theft and have written letters to all furnishes and the bureaus. As a direct result of this I have lost {$50000.00} and have had hundreds of inquiries falsely made under my name. Today I still receive calls from debt collectors and loan officers. It has been a horrific year to say the least. I have ignorantly now fully educated myself on cyber crimes and the measures one takes to secure and recover their credit. I hope that I am given a refund for the money that the individual has stolen without my consent and my credit report will be corrected appropriately. I also would like to let people know that you dont know when it may happen or even if it will happen at all to you so now being a victim of identity theft I can only suggest to everyone to educate yourself on identity theft and take action to protect yourself. And hopefully together we can fight against cyber crimes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened a Business Fundamentals Checking account with Bank of America on XX/XX/XXXX in branch. The account came with a promotion to receive a {$500.00} bonus when depositing a cumulative {$20000.00} and making 10 electronic  transactions within 60 days of account opening. These requirements were fully met by XX/XX/XXXX. I did not receive the promised {$500.00} bonus after that .... 

The bank was contacted regarding this on XX/XX/XXXX and I was told it would be manually looked in to and credited. No bonus posted. 

A follow-up call was done on XX/XX/XXXX and I was told the issue was being escalated and I would receive a response no later than XX/XX/XXXX. 
No such response ever came. 

On XX/XX/XXXX a bonus of {$300.00} was posted. It is nice that they provided a bonus ... but it was not the promised bonus per the terms. They are still short {$200.00}. 

Upon re-reviewing the paperwork provided at account opening, the dates to match up as they are prior to the account opening. My guess is that the banker signed me up incorrectly for the promotion ( I recall her manually entering the code in to the computer and having to re-enter a different one because the first one she said was wrong ), which would explain the bonus not automatically posting. This is however, an issue caused by the bank, and I should not be punished for this. 

As of today, XX/XX/XXXX, i have been unable to get a satisfactory resolution from Bank of America and are asking for help as they still owe me {$200.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS
State: NY

Complaint narrative:
I was disputing a Bankruptcy on my credit report that XXXX   verified as accurate. Confused by this i sent them a letter on XX/XX/2020 through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX asking for their method of verification. On XX/XX/2020 i received a letter from them XXXX stating they were able verify that bankruptcy from my credit report by verifying it with a third party called LexisNexis. So on XX/XX/2020 i sent LexisNexis letter on XX/XX/2020 through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX asking for their method of verification. As of today XX/XX/2020 i have not gotten a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander Consumer USA charges too much on my car loan and has never sent me a contract detailing the fees, though I have requested it several times. Last month I had a problem with my bank account and was late in paying my autoloan installment because of it. When I looked at my statement I saw that they applied most of my installment to interest. I called and they told me they applied most of the payment to interest because I paid late. Please refer to included statement of account. : Date Posted Effective Date Transaction Amount Balance Principal Interest Late Fees Misc. Fees XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$16000.00} ( {$240.00} ) ( {$320.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$16000.00} ( {$390.00} ) ( {$170.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$16000.00} ( {$300.00} ) ( {$260.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$17000.00} ( {$230.00} ) ( {$330.00} ) -- -- XX/XX/XXXX XX/XX/XXXX XXXX {$560.00} ) {$17000.00} ( {$300.00} ) ( {$260.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$17000.00} ( {$310.00} ) ( {$250.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$17000.00} ( {$290.00} ) ( {$270.00} ) -- -- XX/XX/XXXX XX/XX/XXXX XXXX {$560.00} ) {$18000.00} ( {$180.00} ) ( {$380.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$18000.00} ( {$390.00} ) ( {$160.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$18000.00} ( {$300.00} ) ( {$260.00} ) -- -- XXXX XXXX, XXXX XXXX XXXX, XXXX ( {$560.00} ) {$19000.00} ( {$130.00} ) ( {$420.00} ) -- -- XX/XX/XXXX XX/XX/XXXX ( {$560.00} ) {$19000.00} -- ( {$560.00} ) -- --

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
Thank you for the opportunity! In XXXX I bought a house at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Puerto Rico ( PR ) with the bank XXXX XXXX, but Banco Popular de Puerto Rico ( BPPR and " the bank '' ) bought all mortgages from XXXX XXXX. In XXXX BPPR started a foreclosure case in XXXX PR, case number is XXXX. The corthouse website currently say that the case was resolved on XX/XX/XXXX, but that is not true. The bank says it is on a stopped foreclosure while a registral problem is resolved, but there is no registral problem. The bank blame the attorney of the development, Mr. XXXX XXXX XXXX with offices in XXXX XXXX XXXX XXXX XXXX PR, and the attorney blames the bank. XXXX, who works for the bank ( Loss Mitigation ) also told me after she spoke with a XXXX XXXX ( hopefully these are their real names ) that there is a company called XXXX XXXX ( which I XXXX  and found nothing ) that is working with that " registral problem '' ... since XXXX! Also that they don't know how long the " registral problem '' is going to take, and that they couldn't give any contact information to me so I can talk to them and ask them why is taking 12 years to resolve that " registral problem '' because " this is an internal process ''. This situation is making me literally mentally sick because this house is not supposed to be on my name after 13 years. I think they are lying to me, hiding something from me, and the worst is that they keep saying the house is mine, of course, because no one is doing their job correctly. I supposedly owe them {$110000.00} and is being on and off from my credit history 3 times so my credit score has been affected 3 times already. Please help me! I tried to talk to a lawyer in PR about suing BPPR for Damages but he never replied. I just want this house to be auctioned and my name be removed completely. Please, help me, I don't know what else to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Lendmark Financial Services
State: GA

Complaint narrative:
I purchased one vehicle from these individuals in XXXX XXXX 's little did I know that the vehicle needed a new motor shortly after purchase so I went back to the XXXX XXXX 's office to see about securing a personal loan of XXXX to repair the truck so after getting the loan I had the truck repaired 3 days after getting the vehicle back it was totalled by no fault of my own I did purchase the gap insurance and I was having difficulty making the payment I was told by the manager to let it get behind so I could do a differment so I did now I'm being penalized for something I was told to do I have tried to refinance but to no avail because they refuse to send any paperwork to the bank all the above money due has been reported to the credit bureau and it shouldn't be it all should have been resolved between the gap insurance and XXXX paying the truck off so now they continuously harassing me about making these payments what's really going on are they allowed to just do what ever they want? 
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I had a auto loan with XXXXl XXXX auto finance I refinanced the auto with XXXX XXXX XXXX XXXX who paid XXXX XXXX auto loan off and received the title however my credit report for Experian showed the loan as a charge off account I disputed the information and provided proof from XXXX   XXXX auto that the loan was in fact paid off with no balance r title received however Experian refuses to correct the account to paid in ful XXXX balance evpwrian continues to note the account as a charge off which is seriously effecting my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
I have been trying for almost a week to get a payoff quote from ally bank that includes my loan account number. I have spent hours on the phone and still do not have this most basic document. Ally bank is not relinquishing this information so that I can not refinance and so they can still keep earn interest on the loan at a ridiculously high rate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Convergent Outsourcing INC is representing XXXX in targeting me for an unpaid phone bill of {$1900.00}. This debt does not belong to me. I have had established phone service with XXXX and XXXX. Please assist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I disputed this alleged debt on XX/XX/2020 by certified mail return receipt Credit Acceptance had 30 days to respond to my dispute letter and report this alleged account to the Credit Bureau 's as a disputed debt by XX/XX/XXXX, XXXX Credit Acceptance has Failed to do both. Credit Acceptance has Fail to respond to my dispute within 30 days validating this alleged debt, Credit Acceptance has failed to report this alleged debt to the Credit Bureau 's as a disputed debt ( Violation of FCRA 623 ), as of today I haven't heard from Credit Acceptance or did they mark my credit report disputed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: GVA Holdings, LLC
State: OK

Complaint narrative:
This is a follow-up to claim # XXXX. Target Cash is refusing to settle the account which they clearly stated they would below. 
Target Cash Now is in receipt of the complaint filed with the CFPB. We take all comments good or bad very seriously. The following is our response to the items noted. First, we would like to take this opportunity to provide you with some background information on our company, its business practices, and our actions in response to our customer, XXXX XXXX. First and foremost, Target Cash Now is committed to complying with the spirit of all applicable federal laws and the laws of the XXXX XXXX XXXX XXXX. In regard to Ms. XXXX, the loan terms and conditions, as well as repayment options, were explained to her at the time of loan origination. Target Cash Now discloses the total cost to a borrower if only the minimum payment schedule is followed, and we inform our customers that this is an expensive form of borrowing. Specifically, the APR is disclosed both on the Target Cash Now website, as well as the loan documents that are reviewed and signed by the customer. All rates and loan fees are prominently displayed within the loan contract and were acknowledged by Ms. XXXX at each point by mandatory electronic signature. The loan agreement signed by Ms. XXXX is legally binding, and we have every right to expect payment as scheduled in the agreement. We certainly understand our customers experience financial difficulties from time to time, and we appreciate Ms. XXXX diligence in paying off her previous loan with Target Cash Now. Regardless, as a gesture of goodwill to a valued returning customer we will consider Ms. XXXX obligation settled for what has been paid and consider this matter closed. This will be notated in Ms. XXXX file. We will make every effort to reach Ms. XXXX utilizing the contact information she has provided to us. Correspondingly, Ms. XXXX, at her convenience, may call our customer service line and she will be directed to a representative who can assist her with any questions. We hope that this letter resolves any concerns. As noted above, Target Cash Now is subject to robust consumer protection requirements. We want to treat our customers well and ensure that they are pleased with our product. Respectfully, Target Cash Now

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was charged {$30.00} for credit monitoring which I did not know I had purchased a membership. 

I was applying for a Commercial Loan, and the loan broker asked me to pull a credit report from a web site of Experian. During the process, I had to put in my credit card number to purchase the credit report. In the terms and conditions, this also agreed to purchasing a membership on a trial basis and would be charged when the trial was completed. I received the charge on my Credit Card on XX/XX/2020, and noticed it on XX/XX/XXXX. I called to inquire what it was and was informed I was signed up for this service at {$30.00} a month. I do not need the services as my credit card give me the service. When I inquired about a refund, the agent told me there was no refund available because we were on the 4th day of the month. 
Call ID XXXX Agent Name XXXX I have canceled the service but want you to look into the practice of including a monitoring membership when purchasing a credit report. 
For a resolution, I would like a refund of the charges for the unneeded service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation