vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: PA

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX Tours Agent XXXX XXXX Lied to me and told me I would be able to cancel anytime without penalty. The next day on XX/XX/2021 after signing up, I sent a text message to him telling him that unfortunately after thinking about it, that we would rather not committ at this time, but never received the FREE cruise that was part of participating in the webinar. He sent me the FREE cruise which was not free at all and no options. I then contacted him again on XX/XX/2021 because I started to get harassing calls from Monteray Financial Services saying I owed a balance. I sent him the message stating that I have been trying to email to confirm cancellation of the membership and that I am not able to pay this because of a family emergency and I had been told I was able to cancel and that I cancelled with him back on XX/XX/XXXX and I should not be receiving calls. Also attached is the cancellation policy that specifically says that I can cancel without penalty with in 3 days of the above dates which was XX/XX/2021 and I followed that by contacting him on that specific date ( see text messages ) I told him that I was reaching out to membership services through email as well several times and no one has gotten back to me. He never answer back. Then I sent him another message on XX/XX/XXXX stating again I have reached out multiple times and that I need this service cancelled. I never used an services from them and their financial company kept calling and calling about this debt that I cancelled after being told I could cancel at anytime. The agent, XXXX XXXX, never responded to me at any time and when I finally got in contact with someone, they basically told me that I was a liar and that they would never say that. I still get unauthorized text messages from XXXX XXXX trying to get me to come to another webinar and try to sell me their product in which I never wanted the first place. They can text me about that, but their agents won't get back to me and lie about membership. Then yesterday, Monteray Financial has now reported a huge balance on my credit report in which should not be there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WLCC
State: CO

Complaint narrative:
I am the employer. Received a call from a debt collector to implement a garnishment on one of my employees. They did not give a persons name. Asked for an email address to send this document to. Received an email from XXXX. Letter was from XXXX. Googled apex servicing and found a post from Washington State Department of Financial Institutions stating Apex Servicing is not a licensed debt collector and to beware. Very similar contact info in that post from Washington government. Looked up phone number to XXXX XXXX XXXX XXXX is legitimate. XXXX XXXX says something about collecting debts on behalf of XXXX XXXX. This seems to be illegitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
This is my second complaint to the CFPB regarding Synchrony. The problem has not been resolved and continues. The first complaint was closed because it said the company responded. In actuality, the only response I got was that they were looking into it. No resolution. Here is the problem that continues : I have a Paypal issued credit card through Synchrony Bank. I have had the card longer than the 6 month trial period, so when I make a payment through their website, the user agreement states it will be applied within 2 business days. Synchrony does not apply my payments -- they state they are " large payments '' ( {$2000.00} ) and therefore subject to holds. This is not in the user agreement. The user agreement states the following for online payments : " Your Payment will be credited to your Card Account on the day when you make it, but may not be displayed on your Card Account for up to 48 hours. Subject to our receipt of funds from your payment, your available credit will be updated within two business days of the Payment Date. '' Every time I make a payment in the {$2000.00} range, they continue to hold that payment for what can be a week or more, not applying it to my balance. This is a business credit card, and I need my funds to run my business. I have to continuously call to get the funds released. They do not seem to have any right or permission to NOT apply these payments within 2 business days. I am requesting the CFPB contact Synchrony Bank to let them know they are breaking their user agreement and to stop putting holds on payments. Also, my credit limit is {$3500.00}, so making a {$2000.00} payment should not be suspicious or a large amount that has to be held. They are using my funds to for interest income. This is in their financial interests, not mine, and breaks their user agreement.

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 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RFNA, LP
State: AL

Complaint narrative:
The account was paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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 am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

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 2022-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was induced to apply for and purchase an American Express Gold XXXX credit card by an Amex employee who promised that I would be able to use the Gold card with a temporary/instant number, which was a lie and two charges were declined. The merchant told me personally that no charges went through. I want Amex to cancel the Gold Card, not charge/refund the annual fee, and rescind the hard credit inquiry. Basically reset to before Amex induced me to apply for the card. Amex refuses to do so and takes no responsibility for its misrepresentations and harm to my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
In 2020, my account was reported late 90 days ( XX/XX/ 2020 ) XXXX and again XX/XX/2020 with XXXX and XXXX. However, the account was paid on time. I have reached out to the company on numerous times to try and get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The account was paid as agreed.

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 2022-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: TX

Complaint narrative:
So it all started when I did my taxes with XXXX XXXX XX/XX/2022 I did credit karma to get an 2,500 advance which I received I believe that same day or the next. So I was having problem taking money off my card I was calling representatives back to back nobody could help so I linked my XXXX bank account with them to transfer money when I did thats when they sent me a confirmation email but with the wrong account number so they then locked my account without notifying me I could only contact the specialist team through email they never told me what was going on until later they needed proof of my identity and bank statement but the bank statement was for another account that wasnt mine that they wanted me to provide so I sent my actual bank statement and proof but still Im under review and my account is locked I talked to 2 supervisors and so many agents nobody could help and they keep saying they will email the specialist team thats all they can do they cant see anything in my account this been going on almost a month now I submitted my forms several times on their website and through email I told them just send my money in a check but no response please help I need my money and my tax money that suppose to be coming to that account Ive tried everything that they told me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
{$450.00} owed - covered by insurance. Coinsurance was incorrect. Tried to dispute. Still on credit report by American Collections

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 2022-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Company writes false information on all three credit reports after becoming military XXXX. XXXX XXXX military XXXX in 2015 after suffering an XXXX XXXXXXXX and becoming XXXX. Company writes that payments have been made by me in order to keep the report active. No contact with the company since the recovery of the XXXX. The payments that the company is reporting. Fraud is being committed and the company sold me a 6000.00 packet for debt protection and attempted to block my use of it. Company ignores the 7 year rule.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They use the Credit Reporting Agencies to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is not mine which is a violation of 15 USC 1692B ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to XXXX8 USC 1028. They use the Credit Reporting Agencies to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is not mine which is a violation of 15 USC 1692B ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi has a streaming service rebate that I signed up for. 
It reimburses the purchase if you use the citi debit card and enroll in the program. 
I did both but the purchase didnt register. 
After waiting the recommended 7 days, I call a representative and he confirmed that I was enrolled at the time and that the purchase should be reimbursed. 
He advised I contact my account manager.

Its been two weeks and he hasnt replied to my email.

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 2022-03-07 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: CO

Complaint narrative:
Alias name displays my father 's full/real/legal name. I do not have an alias or nickname and my father 's credit is not one I want tangled with mine because it is NOT the same. XXXX XXXX XXXX is my father and I am XXXX XXXX XXXX. My nickname or alias is NOT XXXX. It is not a nickname of XXXX. I was not even named for him it but for my mother 's maiden name of XXXX. I used to get his mail when I lived in the same state as him because my name was even then being considered a nickname alias of his when it shouldn't have been and was never recorded on documents by myself. If my father did then he was committing fraud trying to pass as his son 's name versus his own. Or if it was an honest mistake ok great, just needs to be fixed. Having received a copy of my credit report after applying for an apartment lease, had me see that my credit report lists his legal name as my alias when my alias is the same as my legal name -- XXXX XXXX not XXXX ) A ( not XXXX ) XXXX.

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 2022-03-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX XXXX TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX Account number XXXX - Date opened XX/XX/XXXX Late payments The dates associated with payments not made on time for the account XX/XX/XXXX XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 
4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ].

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 2022-03-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax & XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX Account number XXXX - Date opened XX/XX/XXXX Late payments The dates associated with payments not made on time for the account XX/XX/XXXX XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ].

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( Experian, XXXX XXXX XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX Account number XXXX - Date opened XX/XX/XXXX Late payments The dates associated with payments not made on time for the account XX/XX/XXXX XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 
4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ].

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 2022-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
on XX/XX/XXXX, I received an email that if I download a new banking App and pay my bill with the app by XX/XX/XXXX I'll get a {$10.00} bonus. I did exactly that, but did not receive the bonus and now the bank is not accepting this offer. I've saved the email

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