vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-25 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: NV

Complaint narrative:
I XXXX XXXX give authorization for Equifax to move forward with this complaint. This complaint is being submitted by myself XXXX XXXX and no third party is involved. I sent a letter with FTC report and accounts resulting from identity theft to Equifax on XX/XX/2021, the letter was received XX/XX/XXXX. I provided identity theft report and written instruction and request to remove and block information according to federal law with evidence, The law states that consumer reporting agencies have up to 4 Business days to block information resulting from Identity theft. It is now XX/XX/2021 and Equifax has started dispute but has not removed accounts from report and are now in violation and now hold criminal liability for willing and knowingly giving inaccurate information and not complying with the law. Attached will be letter with receipt so you can check the received date as well as the Law. Page 10 is evidence of US code that Equifax is violating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Reference complaint XXXX Synchrony bank closed three credit cards-JCPenney, HSN and QVC on the same date I accidently made an overpayment and their customer service told me that anytime they received an overpayment that Synchrony shut down any credit cards that the customer had. 
The letters they sent me, and I assue they sent to the credit bureau said my payment history indicated a risk of failure to pay. This is an untrue statement and I want a new notification that states the true reason for closure because there is NOTHING in my payment history that shows any kind of risk of failure to pay-this is a LIE!! 

My credit should not be judged on a false statement given by Synchrony. The answer to the original complaing is ambiguous-thay say it might not be for that reason that the account was closed! So state the real reason or reopen the accounts! 
Also, in answering the originl complaint, they sent an email with a name and phone number to call to discuss. I called at least 12 different times and left messages but no one called me back-the response said this woman tried to call me one time and didnt get an answer-she left no message so we could connect and discuss. They purposely sent out contact information with no intention of actually talking to me. I want a letter from Synchrony that does NOT say " Risk of failure to pay '' because that is untrue and a slanderous statement that they are communcating to the credit bureau and I am being judged unfairly. Tell the truth Synchrony and cease and desist sending false info to the credit bureau! Correct the closing reason or reopen the accounts! Correct the information you sent to the credit bureau.

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 2021-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX a payoff check was mailed from XXXX XXXX to XXXX XXXX to pay off our traded in XXXX XXXX XXXX XXXX. On XXXX XXXX I called them for the status of why I still had a balance listed on their website. I was informed the check had been received but it was XXXX short. I was told that if I paid them that they would backdate the check and it would be taken care of. We are now getting emails about late payments and its now three days away from reporting late on our credit bureau.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-25 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Funding is reporting that I owe {$1800.00} on an account number - XXXX. 
MIdland Funding is reporting that I owe {$1100.00} on an account number - XXXX. 
Midland Funding is reporting that owe {$770.00} on an account number- XXXX. 

I do NOT know who this company is. I have NEVER done any business with this company. I NEVER signed a contract with this company for anything. I have never given permission verbally or in writing to anyone to pass my information to this 3rd party that I never heard of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have received multiple letters/correspondence from Target Card Services that I have a balance on my credit card ( see attached as one letter received for the period of XXXX ). I have not used the card in about one year. I made a police report today ; the temp ID number with XXXX Sheriff is XXXX. I think this is related to XXXX XXXX, an ex-husband, accessing lines of credit. He was never on my Target Card. I called them on XX/XX/21 and the employee I was spoke with had an ID of XXXX. He said it was XXXX XXXX. I explained XXXX was never on this card and I asked for them to mail me a letter reversing these charging including the late fees. I have not gotten a resolution from them at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC
State: NC

Complaint narrative:
- On approximately XX/XX/XXXX our mortgage company ( Homeside Financial ) completed an escrow analysis on our account and sent an incorrect escrow refund check in the amount of {$4100.00}. The day after we received this check we were notified that the amount was incorrect and the check had been canceled. 
- I called Homeside Financial on approximately XX/XX/XXXX to determine what our correct refund was and to determine when a check would be sent. I was told that our escrow account had been overfunded by {$3100.00} and a check would be mailed to us in 30-60 days. We agree with this amount. 
- Our mortgage company has been aware of the overfunding since XX/XX/XXXX. 
- Multiple calls have been made over the past 9 months requesting a refund of the overfunded amount. We have been told 3 times that a check is being sent and it will take 30-60 days to arrive. No check has ever been received. 
- We have paid {$6900.00} into our escrow account since XX/XX/XXXX. Our current escrow balance is {$3800.00} because Homeside Financial is showing that they made a payment to us in the amount of {$3100.00} which we never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had my account closed for my capitol one credit card a long time ago when it was stolen by some kid when I lost my wallet and I paid off my balance which was about XXXX dollars at the time but for some reason my account this still open and accruing interest until this day. I dont own anything except a XXXX  credit card which has no balance and I also have a XXXX  XXXX  card as well which someone took it upon theirselves to withdraw money at an atm which totaled out to about XXXX bucks and put me in overdraft which now says XXXX dollars. I cant pay this I dont make enough money behind child support and my rent payments. Im being harassed by many different phone numbers trying to get me to pay as well as bills in the mail

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One advertises the SAVOR card as 3 % cash back on grocery purchases ( excluding big box ), dining and streaming services. XXXX is a streaming service, agreed to by Capital One customer service. However because XXXX does not send the charges with a specific code, the charges are ineligible for the cash back amount program. However, this specificity is not disclosed in the Bank 's rewards program and basically when I created a case with the bank I was told " too bad ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
When we sold our apartment we deposited a large sum with Citi. They encouraged being a citi XXXX  account. Now, years later I see fees showing up because they require the balance to be maintained on the XXXX of each month vs average over the course of the year. I have already addressed this part with the bank. 
What was fascinating to me and should be looked into further by this agency is that I was charged {$30.00} on XXXX because I didn't meet the balance requirements on that date. Later that month when I took out fees from a non-citi ATM, I was charged a {$3.00} charge which I normally wouldn't be charged because my accounts didn't reach the balance level on XXXX. How could it be that for those not meeting balance requirements and then get charged a fee to stay with that account type are then also declined the benefits of that account type. I care little about the {$3.00} and much more about how these discreet policies could be harming all Americans. 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 monetary relief
Consumer complaint received 2021-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XX/XX/21 An unauthorized check was cashed against my personal checking account in the amount of {$6500.00}. 

XX/XX/21 While reviewing my online banking statement, the fraudulent check was discovered and Santander bank was notified of the issue. 

XX/XX/21 A follow up call was made to the fraud operations department at Santander, the representative had little to no information in their notes from the original call. The representative noted the issue was marked high priority however had not been looked into by anyone at the bank as of XX/XX/21.

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 2021-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BSI Financial Holdings, Inc.
State: NJ

Complaint narrative:
Re : Proof of Claim filed in US Bankruptcy Court-XXXX NJ Division Case No : XXXX Filed by : XXXX XXXX XXXX XXXX , FSB , d/b/a XXXX XXXX, not in its individual capacity but solely as Trustee for the XXXX Fund I Trust We deny and dispute the claim and demand strict proof thereof. See attached Debt Validation letter and copy of proof of claim. Thank you for your assistance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Statebridge Company
State: NJ

Complaint narrative:
Re : Proof of Claim filed in US Bankruptcy Court-XXXX XXXX XXXX XXXX No : XXXX Filed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, not in its individual capacity but solely as Trustee for the XXXX Fund I Trust We deny and dispute the claim and demand strict proof thereof. See attached Debt Validation letter and copy of proof of claim. Thank you for your assistance. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hi- my name is XXXX XXXX. Last Monday I had contacted you on behalf of my family regarding the fact that Bank of America had put a stop payment on a check received 5 days earlier following a falsified report that the check was stolen. On Thursday we were contacted by a representative from BoA wanting to discuss the matter and hopefully get it resolved, as my bank balance was plunged into the negative because of their actions. 

I have been trying to call the person in question, a gentleman named XXXX XXXX, since that day. And every time I or my mother have called it automatically bounces to his voicemail. We have no idea where this person is or when he'll be in his office, nor can we wait another day or two because again my bank account, our only means of survival, is still in the negative and we are now completely out of money.

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 2021-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I'm not swayed that XXXX and XXXX Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on US BANK. Also, I tried contacting the XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: SC

Complaint narrative:
I received a letter from XXXX XXXX XXXX on XX/XX/2021. MRS BPO LLC are debt collectors attempting to collect a debt on behalf of XXXX XXXX XXXX  ( XXXX ) XXXX. I have not received any goods or services from MRS BPO LLC and I do not know how they received my personal information. 
MRS BPO LLC do not have a permissible purpose to contact me at all in regards to anything. I am not a party to whatever agreement they have with XXXX XXXX XXXX  ( XXXX ) XXXX. I did not agree to pay MRS BPO LLC or XXXX XXXX XXXX  ( XXXX ) XXXX  any fees for anything.

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 2021-10-25 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX  XXXX  XXXX-Date of Inquiry XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: VA

Complaint narrative:
Lendmark Financial is the absolute worse. Well the XXXX office in Virginia managed by XXXX. They have consistently harassed me with the calls about payment finally Ive expressed to them to stop and they were not authorized to contact me in reference to nonpayment. They have requested me to fill out automatic payment which I signed up for from the very beginning. Listed below in the prove you will see that I have side and authorize them to do automatic payments. They have not collected the payments but of course are adding interest I do not agree with the way how the situation has been handled by the team. I emailed the manager personally she has yet to respond but you have no problem having people calling me and harass me. This is not OK and I should not be penalized with additional fees when everything that was requested for automatic payment has been provided. I told him I prefer not to be disturbed with any phone calls because the payment is in the account and all you have to do is run it with the automatic information provided. I believe theyre maliciously and intentionally not doing it just to allow the loan to go to the creditors. This issue should be addressed and the entire team should be reprimanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: Credit Corp Solutions Inc.
State: NV

Complaint narrative:
This account recently appeared on my credit report. There is a collections amount of {$190.00} from XXXX XXXX that does not belong to me. The account number as shown is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GreenSky, LLC
State: AL

Complaint narrative:
This complaint involves XXXX XXXX  and their lender greensky. 
When applying for the 12 month no interest Greensky included a form authorizing payment in full to XXXX which initially seems like a reasonable form yet there is nothing in my contract that states that XXXX is paid in ADVANCE months ( 3-6 ) months prior to the windows actually being installed. when I called the representative with XXXX he unapologetic and even made reference to the form provided in the loan agreement with Greensky. This is deceptive and unfair to the consumer and should not be included in a loan application. secondly, this turns a twelve month no interest loan into a 6 month no interest loan. Realizing that the average consumer isnt going to start paying on a loan prior to work being completed. 
I respectfully request an inquiry into XXXX XXXX  and Greensky. Im certain theyre many consumer that are hit with 24 % interest from the inception of the loan due to this deceptive practice. It also leaves the consumer no way to even insure the work is done satisfactory when they have been paid in full months prior to work even being started. 
I have also contacted my State Attorney General with a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I received a letter from XXXX XXXX XXXX on XX/XX/2021. XXXX XXXX XXXX are debt collectors attempting to collect a debt on behalf of Capital One Bank ( USA ) NA. I have not received any goods or services from XXXX XXXX XXXX and I do not know how they received my personal information. 
XXXX XXXX XXXX do not have a permissible purpose to contact me at all in regards to anything. I am not a party to whatever agreement they have with Capital One Bank ( USA ) NA. I did not agree to pay XXXX XXXX XXXX or Capital One Bank ( USA ) NA any fees for anything.

Company response to consumer: Closed with explanation