vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LTD Financial Services, L.P.
State: NV

Complaint narrative:
XX/XX/2019 -- - Signed one year lease. 

XX/XX/2019 -- - failed to disclose 3rd party and fees. 
Receipt from 3rd party. 
Attachment XXXX MOVE OUT STATEMENT A. Attachment XXXX. 
1. Charged for utilities twice. I paid utilities directly. 
( a ) Attachment XXXX 2. Charged for smoke damage. 
( a ) I lived there for 8 years and cooked everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Investigations taking longer tan 30 days, already a FDCPA VIOLATION, since is acquiescence. Administrative process is now complete. Companies have not validated any claims only hearsay of reporting accurately and furnishing reports without my consent or proof thereof.

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 2021-10-23 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have this accounts that are not mine and i want them to be removed. 

1. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft SYNCB/XXXX  Account Number : XXXX This is not mine.

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 2021-10-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CHALLENGE FINANCIAL SERVICES
State: FL

Complaint narrative:
I, the natural person, Consumer who is protected under the federal law is demanding, as a consumer of heaven, protected under the federal law, Title 15 Chapter 41 subchapter 5 1692 ( k ). compensation for DAMAGES, WILLFUL INJURY, UNLAWFUL ACCUSATION, ETC. I am demanding compensation and damages under a commercial tort, commercial security agreement including a fee schedule submitted under a UCC! with the Secretary of Treasury and in response to the Bill of Particulars sent to company certified mailing. ; for the false claims of an alleged debt to them. CHALLENGE FINANCIAL SERVICES AND XXXX XXXX XXXX XXXX, both have conspired against my 4th amendments rights, liable for damages and injury, not only that but My rights to privacy, while also breaching contract due to false and deceptive forms, business malpractice, and willful intent for emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Loan Number XXXX I purchased used car From XXXX and Loan was with GM Financial. I paid of the loan and I haven't received my pro rated gap insurance money back yet it been 4months

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Movement Mortgage LLC
State: TX

Complaint narrative:
I lost my job because I refused to take the non-FDA approved vaccine, so my company let me go. I have a family of XXXX, and now all law firms that I have applied for, have blacklisted me because of not taking the shot. I'm the sole provider for my family, as my wife is XXXX due to a car accident. We have XXXX young children.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I filed a compliant already they didnt correct the the removal date on my bankruptcy its posting for 10 years. Then I have recent unknown information on my credit ( XXXX XXXX XXXX XXXX XXXX, Mt XXXX ) I have never done business with them that is inaccurate then my score dropped over 60 points for removing the inaccurate information which I dont understand why. Please removal all hard inquires that Im not doing business with that are over 30 days old on all 3 reports. I am in distress this is really affecting my credit. 
its been over 30 days and only certain things were addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: ResidentCollect, Inc.
State: GA

Complaint narrative:
We we're never made aware of the debt. It was only when the collection hit that we found out. Once we saw this, we tried to call them to pay the debt and they told us it was too late, that it was in collections, even though we were never given the opportunity to pay. We never received a written notification, phone call, or email. Even though they has access to our phone number & emails and could contact us. This has impacted my credit report as it is my first ever collection and overall negative remark. 

INNOVATIVE RECOVERY IN Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX {$800.00} Collection opened XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: PA

Complaint narrative:
I have disputed this information with all 3 credit bueuras, XXXX and XXXX has investigted this problem and removed these fraudulent accounts from my credit file, However I have been disputing this with experian for years. My identity was stolen and compromised in XXXX. I strongly belive a family member did this. I filled a police report and sent to all 3 creditors, I've sent in ID, and a copy of my lease to show proof of where I lived at the time these accounts were opened. This person has opened bank accounts, credit cards, taken out loans in my name they have complety stole my identity at the time i was suffering from XXXX. Ive done everything i can to get my identity back. Experian is the only credit burea not sending proof of how this credit was obtain and not removing this from my credit file. I have contacted the orginal creditors they will not send me any proof of how this debt belongs to me or how it was obtained. I was told that there is a statue of limitation and it has been reach. This is NOT true the law states that in pennsylvaina the statue of limitations for any action upon contract, obligation or liabilty is 4 years. there is a minor exception for actions involving damanges stemming from identity theft, in which the statutory timer starts upon the dtae of discovery of the identity theft. ( I discovered this in XXXX and immediately disputed this ) I really dont check my credit as much as i should however that isnt a reason to hold me accountable for these accounts. 

XXXX {$14000.00} Opened XXXX XXXX  XXXX XXXX {$2500.00} Opened 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 2021-10-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
I have had a Target card since 2015 and has never missed a payment with Target. I also have many other cards on my credit report with a 100 % payment history. Target XXXX recently reduced my credit limit from XXXX to XXXX, when I called to inquire, the response was it was the credit bureau decision. Most recent Target XXXX decreased my credit limit again this time to {$900.00} which was a huge impact on my credit report impacting my credit utilization ratio. Target XXXX is not able to provide me with a reason why they are constantly decreasing my credit limits even though I have no missed payments. I work for XXXX as a XXXX making well over XXXX yearly and I dont understand why my credit limit is being decreased as well as no one can explain why.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: IL

Complaint narrative:
I filed a compliant already they didnt correct the the removal date on my bankruptcy its posting for 10 years. Then I have recent unknown information on my credit ( XXXX XXXX XXXX  XXXX XXXX, Mt XXXX ) I have never done business with them that is inaccurate then my score dropped over 60 points for removing the inaccurate information which I dont understand why. Please removal all hard inquires that Im not doing business with that are over 30 days old on all 3 reports. I am in distress this is really affecting my credit. 
its been over 30 days and only certain things were addressed.

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 2021-10-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed a compliant already they didnt correct the the removal date on my bankruptcy its posting for 10 years. Then I have recent unknown information on my credit ( XXXX XXXX XXXX XXXX XXXX, Mt XXXX ) I have never done business with them that is inaccurate then my score dropped over 60 points for removing the inaccurate information which I dont understand why. Please removal all hard inquires that Im not doing business with that are over 30 days old on all 3 reports. I am in distress this is really affecting my credit. 
its been over 30 days and only certain things were addressed.

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 2021-10-23 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: V and H Portfolio
State: TN

Complaint narrative:
Re : Collection Account # : XXXX Information belongs to someone else ( Identify theft, fraud, error ) Im sending this complaint requesting validation of this debt you say I owe you. Please review additional information attached to this complaint as for address verification. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Earlier in XXXX, I received a pamphlet from TD Bank enticing me to open a checking account with them, promising a {$300.00} bonus after required steps are complete. I read the fine print at the bottom carefully whose relevant part is cited below : " Offer valid from XX/XX/XXXX through XX/XX/XXXX and is available to the new personal checking Customers who received a promotional mailing and who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria. '' However, after I opened a new checking account on XX/XX/XXXX and completed all the steps and after the supposed deposit date for the {$300.00} bonus has passed I visited a local TD Bank branch and was verbally told by the local banker that I should be eligible for the {$300.00} and they are not sure why it has not been deposited. They asked me to check back after a week while they communicate with the back office. A week later I checked back and the local banker told me the back office denied my {$300.00} bonus on the ground that all prior customers who had received a similar bonus in the past is no longer qualified for the {$300.00} bonus. 

Admittedly, I did open a similar checking account with TD bank in XXXX and received a prior bonus for doing so. The previous checking account was closed in XX/XX/XXXX, and thus I was relying on the language of the pamphlet to conclude that since the " preceding 12 months '' would start to run from XX/XX/XXXX through XX/XX/XXXX. However, the position of the TD Bank 's back office is far more restrictive - it is stating that if I had received similar bonus ANYTIME in the past, for example, 5 years ago, I will no longer be eligible for the current {$300.00} bonus at dispute. This position directly conflicts with the wording on the pamphlet and constitutes fraudulent advertising inuring to the benefit of the company and to the detriment of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I contacted my present mortgage holder, Wells Fargo, to inquire about refinancing my mortgage. The representative name was XXXX XXXX. We discussed details and I decided not to refinance. I never unlocked /unfroze my credit history for XXXX to view. My XXXX credit report shows a hard inquiry by Wells Fargo on XX/XX/XXXX the day that XXXX and I spoke. I spoke with XXXX last week and he agreed there should be no hard inquiry from Wells Fargo for our discussion. The XXXX website states that I can not dispute a hard inquiry at their Dispute center. A hard inquiry effects my credit score. How to I fix this hard inquiry error?

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 2021-10-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 
XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX  XXXX XX/XX/2021

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 2021-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank
State: MD

Complaint narrative:
On XX/XX/21 I mailed a billing error/ cease and desist notice to First Progress and their registered agent Synovus Bank ( with attention to XXXX XXXX the current CFO ). Inside this letter I stated that this is my written notice that I have discovered a billing error on my account pursuant to 12 cfr 1026.13. I also stated that I believed with this discovery that the First Progress is conducting misleading practices with deceptive forms pursuant to 15 usc 1692e. Knowing my rights as a consumer I requested all documentary evidence according to their journal and ledger entries described in IRS Pub. 583 and that if there is a surplus that the amount over be directed to me the consumer in the form of a check. To conclude I also informed first progress that I was aware that while disputing this error no adverse action should be taken pursuant to 12 cfr 1002.2 ( c ). On XX/XX/21 both letters were delivered. Then on XX/XX/21 I attempted to check my account via mobile site and noticed First Progress had closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
I received a phone call from the debt collector in question on XX/XX/XXXX. I told the gentleman on the phone that I had no knowledge of the debt he was attempting to collect on and would be immediately disputing. He said he would be sending me all of the information on it and marking it as disputed. After discussing the above, i verified on my credit reporting app that no additional information was provided and actually discovered that the debt has originally been reported to all the agencies on XX/XX/XXXX. The debt collector proceeded to violate Section 809.a of the FDCPA by failing to provide me written notice, within five days of initial contact, of all necessary information regarding the debt. They also violated section 809.b by reporting the debts to the credit agencies without making contact with myself and eliminating the thirty day period to provide written notice of dispute. Thus eliminating my ability to properly dispute a debt as required BY LAW. They have also allowed the collection attempt to remain active on two of three credit bureaus after being notified of my dispute. Due to these violations and failure to provide adequate information, I have repeatedly requested the debt to be removed from my history because as far as I know this is a fraudulent debt collection attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: GA

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 
XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XXXXXXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: LA

Complaint narrative:
XXXX debt with XXXX  XXXX  XXXX  account was paid and agreed to be deleted from credit reporting agency. 

Collection was never deleted only updated to 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 2021-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monarch Recovery Holdings, Inc.
State: NY

Complaint narrative:
I moved out of my apartment on XX/XX/XXXX. Responsibility for gas service ended on that date. XXXX XXXX sent me to collection for {$190.00} for XXXX XXXX. I wrote to Allied and sent a letter from XXXX XXXX where they took responsibility. I sent a letter on XX/XX/XXXX with the back-up and Allied did not respond and this month it appeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
SPS is illegally foreclosing on my house. I sent them a tort letter that they have yet to respond to when its only a week before my foreclosure date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experience has been charging me for credit reports for over a year now. I have told them to stop billing and refund me multiple times. I have been ignored. Billing started XX/XX/2020. Amounts are {$24.00} every month. I have called them, emailed them, submitted online requests. No response. Today I went through the process again. And for the first time ever was given an option of changing my membership to a {$0.00} fee service. 
They still do not have an option to end all services. 
As bad as they've been about this and how they provide information in my credit report ; this company doesn't deserve to be in control of people 's credit history. 
They should be shut down permanently. 

Separate note about this reporting complaint system. 
In the next section I am given an option. Of providing the last four numbers of my social security number. 
One of those numbers is a XXXX. 
Your system is not accepting the last four of my social based on that XXXX. 
Please fix this error.

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