vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX  Dear, Equifax I am writing to request the removal of the unauthorized credit inquiries on my Equifax credit report listed below. My latest credit report shows a number of hard inquiries that I did not authorize. This information is inaccurate and needs to be removed immediately!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I'm in belief that this is a fraudulent loan, I believe a lender normally evaluates the individual past credit history as well as the current income. 
I've spoken to the Santander representative several times indicating that my monthly calculated financial monthly payments well exceed my necessary expenses. I also asked how my income was reviewed and calculated which Santander responded by saying that on my credit application that I listed XXXX was my gross income, which Santander took advantage of their loan terms which had been initiated at the " End '' of the year XXXX, which can be verified by the loan document itself. There are also other expenses like rent that was not looked at by Santander which was later explained that i do receive housing assistance but majority of rent I pay myself. 
These issues play a major role in determining my eligibility towards financing, but Santander agreed to distribute this Loan based on misrepresented income and credit verification and were notified as well as the dealership or seller of this Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: DISCOVER BANK
State: TX

Complaint narrative:
Over the last year I have contacted XXXX about the error on thier discover entry on my bureau. I have also contacted discover. This account is full of errors as I have always paid on time and am still today. 

The attached letter indicating my account being erroneously reported has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: GOLDMAN SACHS BANK USA
State: VT

Complaint narrative:
When opening this card the rewards were stated as up to XXXX XXXX and it expounded on this with examples. Since opening the card I have never received the XXXX XXXX on any purchase including places/purchases specifically mentioned. On contacting Goldman Sachs I was told the reason is that I can only receive the XXXX XXXX if I do not use the physical card. This term has not been stated on any of the advertisements I have seen when signing up or when using the card. I specifically even went to a different gas station where they had signs about it and didnt receive it and those gas pumps did not even have the ability to tap to pay with Apple Pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Mercedes-Benz Financial Services USA LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Demand and Notice for Full Disclosure of Alleged Loan Agreement Dear Sir/Madam, I hope this letter finds you well. I am writing to you as a concerned customer regarding an alleged loan agreement between myself and Mercedes-Benz Financial Services USA LLC XXXX I kindly request your immediate attention and full disclosure of the loan agreement in question. 

It has come to my attention that there may be discrepancies and uncertainties surrounding the terms and conditions of the alleged loan agreement that I supposedly entered into with your company. In order to clarify these matters and ensure a transparent and fair resolution, I hereby demand full disclosure of the following information : XXXX. Loan Agreement Documentation : Please provide a complete and unaltered copy of the alleged loan agreement, including all amendments, addendums, or modifications made to it, if any. 

XXXX. Terms and Conditions : I request a detailed breakdown of the terms and conditions of the alleged loan agreement, including the interest rate, repayment schedule, any associated fees or charges, and any other relevant contractual obligations. 

XXXX. Payment Records : Kindly provide me with a comprehensive record of all payments made towards the alleged loan, including dates, amounts, and a clear indication of the remaining balance, if applicable. 

XXXX. Communication Records : Please furnish me with any and all correspondence, including emails, letters, or phone call records, pertaining to the alleged loan agreement between myself and Mercedes-Benz Financial Services USA LLC XXXX 

XXXX. Proof of Ownership : I require verification of the ownership and validity of the alleged loan agreement, including any supporting documents or evidence that substantiate your claim. 

I expect full compliance with this request within [ number of days, e.g., 30 days ] from the receipt of this letter. Failure to provide the requested information within the specified timeframe may result in further legal action to protect my rights and interests as a consumer. 

I trust that Mercedes-Benz Financial Services USA LLC values transparency and fair dealing with its customers. Therefore, I anticipate your prompt response and cooperation in this matter. I firmly believe that resolving these uncertainties will not only benefit both parties involved but also foster a more positive customer relationship. 

Thank you for your attention to this matter. I look forward to receiving the requested information at your earliest convenience. Should you have any questions or require additional information, please do not hesitate to contact me at [ your contact information ]. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Ashley Furniture Credit Card issued by Synchony does not allocate payments across promotional balances properly and does not provide detailed payment allocation on their statements. Payments above minimum due are not applied to deferred interest promotional balance but rather to fixed rate/fixed term promotions making it likely that deferred interest promotion balances are not extinguished by required date. There is no way to direct a payment to a specific promotional balance. Calling the customer service number listed on statement puts cardholder in a cue to sell other products causing multiple calls to reach actual customer service. Problem was resolved after 4 calls to reach and agent and over 30 minutes on the phone.

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 2023-06-15 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: MO

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland Credit Management continues to relentlessly pursue me regarding a debt from 2016 as best as I can determine. 
They filed a complaint with XXXX Ohio XXXX Court, and continue to demand that I answer " interrogatories. '' Midland says this debt is mine, but I have not paid any credit card debt since 2016 when I lost 50 % of my income. I can not afford bankruptcy court or to be represented by a lawyer. 
I am poor. I am a XXXX XXXX XXXX XXXX who relies on SNAP for food and HEAP for utilities. I have no assets. I rent and live a simple life. 
Midland Credit Management pursues the poor in a predatory manner. 
I filed with XXXX credit that this debt was not mine in 2016. 
I have no means to challenge them. 
These letters and phone calls come from : MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX, OHIO XXXX PHONE XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon checking my credit report on Equifax, I see they are reporting inaccurate information about me on my report. There is a collection report by XXXX XXXX. this alleged account listed as collection with a past due balance reporting and this alleged collection account statues states its open. This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards by the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted CDIA Metro 2 COMPLIANCE regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I scheduled my XX/XX/2023 mortgage payment ( {$1600.00} ) with Select Portfolio to be deducted from my XXXX checking account on XX/XX/2023. However, instead of deducting this payment eight days later as scheduled, Select Portfolio deducted {$1600.00} from my XXXX checking account on the next day XX/XX/2023. On XX/XX/2023 Select Portfolio deducted {$1600.00} from my XXXX checking account AGAIN. And on XX/XX/2023 Select Portfolio deducted {$1600.00} from my XXXX checking account again. Thus, in the month of XX/XX/2023, Select Portfolio has deducted 3 payments for my XXXX mortgage payment, totaling {$4800.00}. I have contacted Select Portfolio continuously over the past 2 weeks and they maintain they are looking into it. Meanwhile my checking account is negative and other payments ( bills ) are being returned and I am being charged XXXX NSF fees ( {$34.00} x XXXX fees = {$230.00} ). I am also without much needed funds for daily living as my checking account remains negative due to Select Portfolio 's internal accounting errors. My car note is also late due to this banking error ( {$65.00} late fee ). I am requesting that all late fees and penalties resulting from Select Portfolio 's erroneous and unscheduled deductions be reimbursed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I reviewed my credit report and there are accounts that are false and do not belong to me. I have no knowledge of these accounts.

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 2023-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SECURITY FINANCE CORP
State: OH

Complaint narrative:
Security Finance in XXXX Louisiana Im behind because i lost my job. They called one of my references and left a voicemail discussing my loan amount how im behind and how much money I am behind. they did not ask how to contact me or where i work but told them about my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My card was used fraudulently in multiple places including XXXX XXXX and various towns and cities in NC between XX/XX/2023 and XX/XX/2023 while I was in XXXX NC. Bank of America also approved charges that I had made in XXXX, NC on dates where the card/account was also being used out of the mainland USA. Clearly, one can not be in two places at one time.

I have or can obtain : 1. email receipts from appointments in XXXX that occurred while the card was being used in XXXX XXXX 2. email communication with my physician as a result of a dog bite that occurred while the card was being used in XXXX XXXX 3. adoption papers for the dog I did choose during the timeframe in which the card was being used in XXXX XXXX 4. school attendance records for my children ( while the XXXX XXXX XXXX XXXX XXXX was on spring break during time frame that overlaps the card being used in XXXX XXXX, I was in XXXX and my children were in attendance at public school ). 
5. XXXX calendar printouts showing when I XXXX XXXX XXXX XXXX XXXX during the spring semester and scheduled meetings that overlap the timeframe during which the card was being used in XXXX XXXX as well as while the card was being used in towns and cities surrounding XXXX XXXX NC XXXX 
6. Affidavits from friends/family/colleagues/and students can be obtained indicating that we were not out of the country nor absent from our jobs and school during the time this card was used without our permission. 
7. I have downloaded and attached the transaction history from our debit cards showing our location during the timeframe in question. 

I found the fraud when I received my electronic statement and contacted them immediately. 

I have attached documentation that I was local and not on vacation.

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 2023-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Capital One Credit Card, Since XX/XX/2023. Had to call them each month they trying to take out wrong amount for payment on auto pay turned off had to block account number because they took out double payments. Talk to supervisor each month to fix problem . Then same XXXX keeps happening each month. This month sent a check for XXXX. XXXX XXXX XXXX tried to tried to cash check for XXXX. Charge me late charges even though I sent check 6 days early. My bank again XXXX XXXX  is filling a depute on what they are trying to do. Called Capital again supervisor file something for credit with them. Not sure if I will get the extra charges back, This happens every month since XXXX. 

Just have to see if I get a credit again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
In Accordance With The Fair Credit Reporting Act XXXX, Has Violated My Rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
According to the CFPB all medical debt less than {$500.00} or less than a year old from date opened are to be deleted and not reported on credit report. Opening date was XX/XX/XXXX which is less than a year of todays date XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Received a promotion from American Express Bank via email addressed to me personally where if you deposited {$25000.00} in a high yield account and kept it there for 3 months, then you would receive {$350.00}. I deposited the money back in XX/XX/XXXX and kept it there for the required time but never received the {$350.00}. when I contacted them, they said I wasn't eligible. I forwarded them the email I received saying that I was eligible. They received the email with the info but keep saying they have to investigate. I have contacted them 7 times since XX/XX/XXXX. I have spoken to numerous managers who just keep saying that they have to send their boss an email to investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

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 2023-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: NJ

Complaint narrative:
I received a call from National Recovery multiple times. I spoke with them. They stated that I owed this dept and how would I like to pay for it. I responded by saying what debt are you talking about? I'm not familiar with this. A rep from National Recovery said that their customer came to them in hopes of them recovering this debt from me. I said I didn't have a problem paying for it if it's me that actually owes it to them. I then said provide me the original documentation with my signature. The rep said if I send you the documentation showing I owed this debt will I pay for it? I said sure. The documentation they sent me did not prove I owed this debt. I have enclosed a copy of the documents sent to me. They have failed to provide the proper documentation. I would like to have this removed from my credit report due to failing to provide proper signed and date of documentation proving this debt is mine according to the Fair Debt Collection Practices Act.

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 2023-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I was supposed to receive an account opening bonus of {$400.00} several weeks ago after meeting all stated criteria. After reporting this issue to PNC on XX/XX/2023 by chat, they opened a ticket ( XXXX ) with their research team and asked me to check back in 3 weeks. When I checked back in 3 weeks later, I was given confusing and incomplete information by their chat agent, XXXX, who re-asked for the same information and re-raised a request despite me asking her not to. I wanted an update on the reference that was raised weeks ago, and she continued to ask for the same information provided weeks ago. I do not feel comfortable with how PNC has handled this- if there was an issue with reference XXXX, they should have reached out to me, and they should have reviewed the original request to see that all information was provided. At this point, PNC has not handled crediting my account for this promotion or communicating with me properly regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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