vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Thaxton Investment Corporation
State: TN

Complaint narrative:
I never applied for a loan and made so many disputes since this showed on my report..I never had a loan from this Heights Finance/ XXXX to miss a payment. My payment history was 100 % before they reported that I had an account with them and then started hurting my credit with 30 to 60 days late payment knowing that the monthly payment as they stated is {$86.00}. I have larger amounts to pay my car loans and some of my credit cards and kept a 100 % payment history before this happened..If it was mine, I would've never risked my credit going bad and I would've paid it all off. But this account in Fraudulent.

During m phone call to this company, I was informed that they send pre approved checks to mail boxes and they sent it to my previous address that I left earlier this year. So no credit application, no risk assessment and when the check went to an old address and God knows what happened with it..They started putting it on my report and I started disputing for inaccuracies first but when thy started blaming me for late payment getting my 100 % payment down to 98 %, I realised that this is Fraud.

Please ask this company if they have any credit application from me, studied my credit worthiness, risk assessment or even made sure the check went to the right correct address and I know for a fact that none of these criteria for lending were satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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 — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I closed my Indigo/Genesis credit card on XX/XX/21, and received a refund of the credit/overpayment on the account in XXXX. After this, also in XXXX, the credit card reopened my card account, without my permission, and subsequently allowed three charges to go through. Then they debited my checking account yesterday for an auto-payment, without my permission. I called them this morning, and their solution is to dispute the three charges with the merchant, which they allowed, and if they are able to resolve it, I will receive a refund of my unauthorized auto-payment after 60-days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I closed a XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX, NV XXXX ) credit card account with a {$0.00} balance in XXXX of XXXX. When doing so XXXX XXXX held the account open charging an {$8.00} fee every month AFTER the card was closed. They acknowledged the error and said they would report it to the credit agencies showing a {$0.00} balance with NO LATE PAYMENTS in which they have failed to do. This account was closed with a {$0.00} balance and was never late. I don't have one late payment on any one of my 7 credit cards and would not of let one be for {$8.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I lost my social security in 2018. Ive recently just received a new one. I have a lot of inquiries and a collection I do not recognize or gave permission. I would like them removed immediately please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I thought about cashing a check through my mobile app but decided against it. They are holding my money for 60 days and have caused me a lot of problems. My kids are not receiving things because of this.. My cell phone has been turned off, car note, insurance, credit cards, loans are all late and being charged with fees for what? So Usaa can feel better about themselves? My veterans XXXX check is the only income I have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
This is a violation of the fair and accurate credit reporting act. 
This is a medical debt through XXXX XXXX XXXX XXXX that was solvd to Portfolio recovery and they refuse to change how it is listed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Ive been having this comenity bank charge on my account for years, years ago i was employed at XXXX XXXX, we are talking over 7 years ago, it was a requirement for us to try out for a corporate credit card upon employment, i was denied of course never received a card from my director and or company, a few years after i left the company i noticed these charges from comenity bank that were in collections Ive tried to rectify this situation for years now, no luck Ive contacted XXXX XXXX corporate, Ive spoke with the card issuer, yet still no luck i have now been getting Unknown phone calls and voicemails stating that they are taking me to jail and are going to contact my employer as well, theyve contacted my sister and left her threading Voicemails as well, now i have comenity bank and also XXXX XXXX, which is the collection agency that took over this account, yet both of them still report negative after years and years of trying to get this wrongful account removed from my credit, i cant take the harassing phone calls every morning for the last week now, and also contacting my family, this is ridiculous, this is my final step before i do contact an attorney on this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I noticed fraudulent opened account on my Experian credit report. I filed police report and FTC identity theft report to dispute this account and remove from my credit report by Experian. I am asking to block this fraudulent account with valid supportive documents and by law FCRA 605 ( B ) which I have right to as a consumer. After submitting my documents Experian credit bureau representatives keep saying only statements " we follow guidelines '' but not even taking more time to documents that is immensivele will help me to resolve my problem. I kindly request to delete XXXX XXXX account as it is result 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 explanation
Consumer complaint received 2021-09-16 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I opened a credit card through Value City Furniture/Synchrony Bank for the purchase of a couch. I made my monthly payments on time and have owed a XXXX balance on this card for SEVERAL months prior to receiving a letter on XX/XX/2021 from Synchrony Bank stating they decided to close my card due to reasons that do not apply to me. I haven't owed them, I paid on time and yet months later they ran a credit score on me and made the decision to close my card based on my score being XXXX ( which their documentation states XXXX is within range ). So they damaged my credit score further by this decision. I want that corrected. Customer service told me today when contacting them " no one will ever be able to fix the error, the business decision was made based on the details in the letter, I can not help you ''.

This is BAD business to damage my credit when I was paid in full and on time with this bank. There seems to be no one to contact within the bank that made that decision to appeal or discuss this with, also BAD business. 
I recently was diagnosed with stage XXXX XXXX XXXX and owe approx. XXXX in medical bills. Other than that I pay my bills on time so why can a bank take from your credit but not repair a problem or points back when a consumer doesn't warrant the bad credit mark? Who can I report Synchrony Bank to for making this decision and damaging my credit score when I was paid in full with XXXX balance?

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 2021-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CARVANT FINANCIAL LLC
State: NY

Complaint narrative:
I asked ask Carvant financial to validate the debt which they were not able to in XX/XX/2021. I asked them to send over the contract in XX/XX/2021 which has so many violations. I sent in my affidavit XX/XX/2021 and still have not received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I lost my social security in 2018. Ive recently just received a new one. I have a lot of inquiries and a collection I do not recognize or gave permission. I would like them removed immediately please

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 2021-09-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I lost my social security in 2018. Ive recently just received a new one. I have a lot of inquiries and a collection I do not recognize or gave permission. I would like them removed immediately please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: MD

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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:
XXXX XXXX XXXX XXXX- This is a complaint against the XXXX XXXX which I was never able to use even once. I spoke with their employee ( s ) but I can't remember their name ( s ). They had my ID during the whole process. I was offered gifts such as cruise, trip to Hawaii, free points, etc which I never received except for a brochure, that's all. They told me I was actually making a good financial investment and promised things would be positively different each time things got worse. The person I dealt with kept going back to mgt and they would come back, like they were actually getting an approval in order to grant me the price being offered and then I get pressured & rushed when they said it's my last chance at the lowest price. Everything was felt rushed especially when they didn't even gave me ample time to read through the contract and understand it's contents so I can make myself fully aware of what I'm getting into. I was XXXX XXXX XXXX at the time, I felt my age was taken advantage of and was used to put pressure on me easily. They also had me open a credit card for this. I wasn't properly educated of the whole cancellation process, there were information that were withheld such as not informing me as to how many days to cancel. I'm having financial difficulties due to this timeshare especially right now with the situation we have on Covid, and having this timeshare just makes it worse and hard for me. It's been very stressful having to deal with this and any questions I try to ask, I can never get anyone to talk to & they never call back to provide assistance. This caused me work stress, issues like possible closure of school and unemployment. I even lose sleep over the stress of this timeshare because it was a huge mistake, and it only worsen my situation since I am the only one paying. I was never able to use this not even once, all I got is being stressed out ever since I had this timeshare. I was simply defrauded, lied to and was taken advantage of.

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 2021-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I do not generally pay intereset when I get a credit card. I typically pay it off in full when I recieve the bill. I asked to go paperless on my Capital One account because like everyone else, I want to save the planet. I rarely use this card so when I did not receive a bill for the first couple of months I was not alarmed. I really got it as an emergency backup card. When I finally did use the card I never got a statement. From the period of XXXX XXXX to XXXX XXXX I was charged interest on an amount that I NEVER recieved a statement for. This interest totaled {$530.00}. I only noticed that this was happening because they also negatively affected my credit score. My bankcard, in which I pay everything with, was hacked and I had to change all my bills over. I used all my statements to make sure I did this but was unable to do it with this credit card because as I said earlier, I never recieved a statement. When I contacted Capital One around XX/XX/XXXX they notified me that there was a technical problem on there end and that sometimes statements do not go thru with XXXX email adresses. There was not a problem with my email adress and the statements did not got to spam, they just did not go thru. I spoke with a manager there with employee # XXXX. She notified me after I got off the phone with there technology department that I would have to make a payment before any dispute could be made and to call back in a couple of days when the payment is processed. I called back once and their system was down apparently. I was finally able to talk with another manager, id # XXXX, on XX/XX/XXXX. He informed me because of the terms of agreement that he would not be able to take away the interest charges. I informed him that on those same terms of aggreement it states that I will get a notification of any statement balance. He agreed that I should have gotten a statement and that it is hard to pay a bill or balance that you are unaware of. He also stated that he understands my frustration with the {$530.00} but says he is unable to reimburse me for the interest charges because of the terms and conditions of the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: CT

Complaint narrative:
We are XXXX & XXXX XXXX and we are filing a complaint against Monterey Collections. We have tried to cooperate with this company so we can get our credit in good standing and bring our association with Monterey to an end. We have not gotten a straight answer from the agency, and have hardly received any notifications from them. Our account was sent to them when our timeshare membership with XXXX XXXX was still opened. We have been notified by XXXX XXXX that our account has now been terminated. When we called Monterey they refused to speak to us about the situation, claiming we can not be helped until our balance is paid. Monterey told us we owe {$1900.00} in maintenance fees and {$1600.00} for the contract. This is a contradiction to what the resort has told us. We are no longer timeshare owners so we need this balance removed from our credit report. Monterey is still demanding the money from us and has stated that even if we pay them they can not confirm that our account will be canceled. We feel Monterey is trying to get paid under false pretenses. They are paying pennies for this debt, why are they insisting on holding onto it? They want to take our funds without canceling our account. They have ruined our credit and have set us back from moving forward in our lives. We can not buy a house or refinance. This situation has caused us a great deal of stress, and we feel it is unnecessary. Monterey has revealed to us that they are greedy and have little to no understanding of fair business ethics. We ask that you please help us solve this matter so we can return for the sense of normalcy that we are desperately longing for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: VT

Complaint narrative:
Repeatedly, TD Bank has frozen my card for suspicious activity overseas. I dont have a big issue with this. 

The issue I have is that they routinely will refuse to lift the block after I go through all identifying information they request, to include voiceprint analysis because I dont have a US number registered to me. 

As a traveler, I use XXXX ( as does TD ) and other such services. 

Currently, once again, I am blocked from funds in my account and they refuse to budge because I dont have a US phone number. Which of course is impossible to do with no funds. 

There standards and enforcement are sporadic and with all the other information verification, to include a voiceprint, this matter of a US number is beyond ridiculous. 

BUT, the fact they know its me and refuse to release the block, fully knowing that I am trapped in a foreign country with no money, little food etc., is utterly reprehensible and goes unpuniished. 

Please note that TD has had to make several settlements for fraud. One of which was with CFPB and have constently been caught rigging penny arcades, structuring transactions, etc. 

Why are these people allowed to operate in the US?

Company response to consumer: Closed with non-monetary relief