vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-21 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: TX

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

Account Name : XXXX Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$2000.00} Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$200.00} Account Name : XXXX & XXXX XXXX XXXX Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$110.00} Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account was Opened : XX/XX/XXXX Account Balance : {$490.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$630.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was Opened : XX/XX/XXXX Account Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
i HAVE CONTACTED AMERICAN EXPRESS FOR ALLOWING A CRIMINAL TO TAKE MONEY FROM MY XXXX CHECKING ACCOUNT. THEY RESPONDED THAT THEY REVERSED THOSE CHARGES AND THAT XXXX IS IN CHARGE OF THE FUNDS NOW. HOWEVER XXXX IS SAYING THAT AMERICAN EXPRESS DID NOT RETURN THE FUNDS DUE TO TIME LIMIT ON RETURNING FUNDS. 
MY XXXX CHECKING ACCOUNT # XXXX WAS USED FRAUDULENTLY TO FUND AN AMERICAN EXPRESS ACOUNT # THAT WAS NOT MINE AND I DO NOT KNOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.

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 2021-07-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: U.S. BANCORP
State: RI

Complaint narrative:
I chose to buy out my lease. My wife sent US Bank a personal check for the agreed upon price plus state taxes. Just over thirty thousand dollars. The check was cashed. Two days later the funds were returned. As soon as I noticed the returned funds I called US Bank. The associate I spoke to told me that the check was not signed and I needed to send a new check. I called my wife and told her we made a mistake and we need to send a new check. She replied by sending me a picture of the check written out perfectly. So I then called US Bank back to question what was wrong with the check. I was told by a bank employee that I needed to sign the front and endorse the back of check and overnight the new check to US Bank. I asked to speak to a supervisor because Ive never heard of endorsing a check that I wrote and I was worried about US Bank having two checks equaling {$61000.00}. The employee told me that no one was available to talk to me and someone would call me back. I called back to talk to someone new and after much questioning was told to write new check properly and mail it to US Bank. I still wanted to talk to a supervisor so I waited for my callback. Two days later I still had no response. My wife called our bank and they said I should send a bank check there is no way US Bank can not except it and they would send it for us. The bank check was taken out of our account and mailed to US Bank. The bank check was signed for by US Bank the next day. I called about a week later to make sure all was well. I was told my account was closed and I should expect the title for my vehicle in the mail. That day the title arrived. Everything seemed good. Until my wife and I are on vacation and my wife goes to a pharmacy and trys to pay for her products to find her card was declined. How embarrassing! Come to find out US Bank cashed the first check we sent for a second time and overdrew the account. I called US Bank immediately in a panic. After a long conversation I finally spoke to a manager who told me that nothing can be done until Monday. She told me an investigation would be started Monday morning. When I called Monday no one knew anything about my issue and nothing has been done but was assured that someone would look into it. As I am writing this it has been five days and they still have not resolved the problem. Every time I call its a struggle to talk to someone who knows anything about my problem. My wife and I are both very busy and finding it difficult to work a deal with this problem. I have to repeat my nightmare story every call. Ive had to give my social security number to so many people Ive lost count. We are scared this is going to effect our lives greatly.

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 2021-07-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been disputing things with the bureaus for a very long time now and have gotten nowhere. I sent deletion letters and have been saying the late payments are wrong and they have been no help. I need them to remove things from my credit. I attached letters please respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: CA

Complaint narrative:
I have been disputing things with the bureaus for a very long time now and have gotten nowhere. I sent deletion letters and have been saying the late payments are wrong and they have been no help. I need them to remove things from my credit. I attached letters please respond.

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 2021-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BREMER BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I bank with XXXX XXXX ( one of their program bank is Bremer Bank ) and they have frozen my account now for 2 months with no explanation or answers when I try to reach out. This occurred on XX/XX/XXXX, it is now XX/XX/XXXX with no response from them as to why. When I have called customer service several times over the past 2 months I am told, " reply to the email that was sent out '' and they dont reply. I have emailed 7 times. I can not access my funds. No, I did not deposit any fraudulent funds either. To have a bank freeze your account but not reply to you to give reasoning or ask you questions to even identify yourself to get to the root of the issue is very frightening. At this point, I am reporting stolen money in the amount of {$6500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: LA

Complaint narrative:
I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1981 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
SYNCB/PPMC XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1981 ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2021-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Td bank is adding negative fees to my account after letting charges I ask to not accept and my account is negative right now something that's never happened to me and I just got back from XXXX XXXX so I won't be getting paid no time soon

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Someone has taken complete control of my identity. I have been getting notifications that the same companies keep sending the credit bureaus request for my credit report. I have not applied to any of the companies that is on this report and not sure who has my information or how they got it. I have been calling the credit bureaus explaining this but as of today they have not been any help. Please Please Please help me take my life back.

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 2021-07-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Granite Edvance Corporation
State: CA

Complaint narrative:
In mid XXXX I had completed the last of 9+ {$270.00} to my collection agency of which GSMR had converted my account too. After completing this rehabilitation goal and paperwork the collection agency continued to draw payments when I subsequently cancelled. GSMR / XXXX is supposed to take the account back but to date XXXX late XXXX XXXX they have not done so. Recent news headlines give an idea as to why. This is after years of harassment from the company non-stop phone calls and physical mail. Also inconsistent credit hits when payments have been made. This company is fraudulent.

Company response to consumer: Closed with explanation