vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-19 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Problem is with Synchrony Bank and XXXX XXXX. From XX/XX/XXXX through XX/XX/XXXX someone fraudulently ordered more than {$2000.00} worth of merchandise on my Card. I reported it immediately. Synchrony investigated and decided that I had ordered the merchandise. I did not order or receive any of the merchandise I disputed. I cancelled my synchrony card and they issued me a new one. 
Then they said someone fraudulently reported my second card missing and amazon apparently issued a new card for me with a third, different acct number for me. Up until yesterday, I never cancelled my second card or reported it missing AND I never received that third card. 
So yesterday XX/XX/18 i received a bill from Synchrony reinstating all {$2600.00} of fraudulent charges. I cancelled all three accounts and explained my problems to several amazon customer service reps and to two fraud and investigative reps at Synchrony. They said they will open the investigation again. I am very frustrated and want all the frsudulent charges removed once and for all and a letter stating they have been removed.

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 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I consistently have problems with Transunion having incorrect information on my credit report. I contacted them because I was denied a loan due to low XXXX XXXX. My XXXX XXXX I watch closely because of Transunion. I have not been below XXXX in years. When I contacted transunion to find out what negative information on my credit report they used to come up with a XXXX score they would not answer. They also tried to charge me to send me a credit report with the information. On freecreditscore website I am able to retrieve XXXX and XXXX credit report but not Transunion. Due to the closeness in names, dob and address with me and my father this is a consistent problem with only Transunion.

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 2022-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX XXXX Date of XXXX XXXX Date of XXXX XXXX XXXX Date of XXXX NAME : XXXX XXXX XXXX, XXXX, A PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX PL XXXX, IL XXXX XXXX XXXX XXXX AV XXXX, IL XXXX EMPLOYER : XXXX  XXXX  XXXX XXXX  XXXX CO

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 2022-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
upon checking my credit report i notice a credit agency trying to collect a debt i have no knowledge of i have never signed a contract with them verbally nor electronically ever in the past

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Less than two years ago I started a membership with XXXX XXXX XXXX XXXX. It came with XXXX XXXX  Visa credit card with a {$1200.00} limit. I did not need the credit card because I have another XXXX XXXX XXXX Visa and XXXX XXXX both with XXXX XXXX dollar limits. I accepted the XXXX card with the purpose of just using it at XXXX so I could receive membership points and cash back at the end of the year. I seldom used the XXXX Bank card. 

On XXXX, I purchased a TV and Stereo speakers from XXXX for {$1400.00} using the XXXX XXXX Visa card. The transaction processed without a hitch even though it exceeded the {$1200.00} limit by almost {$300.00}. I thought the transaction would process to the limit of {$1200.00} and I would have to pay the difference with cash or another credit card. Within a week of my purchase, XXXX XXXX reported me to the credit agencies ( Equifax, XXXX and XXXX ) reducing my credit rating by XXXX points. Keep in mind that my debt payment date on the credit card was not until the end of XXXX. They did not even give me an opportunity to make good on the debt before reporting to the credit agencies. The debt was not delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: TN

Complaint narrative:
I sent letter to court house asking them do they release information to the credit bureaus and they responded with no they don't give out information to credit bureaus. On XX/XX/2021 I sent Equifax a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded stating that they " verified '' it through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX could not verify this item so they deleted it from their database. 

I then went back to Equifax on XX/XX/2021 and showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete the item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
My dad got in apartment/ home in his name when I was under age XXXX but he had to list his children in the lease since we would be living there as well. I am not sure what happen but they also put this apartment on my credit even though I wasn't the lessee as I am not responsible for this debt and should not be on my credit and it has been sent to a collection agency. I have made many attempts to remove this dept with no progress made. Please help as I am a young man trying to excel in life, I pay my debt. 
Creditor XXXX XXXX XXXX XXXX  Apartment account # XXXX account type : Collections Bureau Code : Joint date open : XX/XX/XXXX on XXXX, XXXX XX/XX/XXXX Balance : XXXX Payment Status : Collections/Chargeoff last reported : XX/XX/XXXX on XXXX, XXXXlast active XX/XX/XXXX, on XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
I tried to follow the response given in complaint CFPB XXXX. I called the number XXXX as directed to try to get my account unfrozen, to try to close the accounts. 

The number goes to " XXXX XXXX XXXXXXXX XXXX ''. I just want my accounts closed and am not able to do so. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
Per Nev. Rev. Stat. Ann 449.01511, Collection agencies are permitted from commencing civil action for debts less than XXXX and collecting fees of more than 5 %. Allied collection has been relentless in attempting to garnish my accounts and my pay. I attempted to settle this debt and offered XXXX dollars and they refused. I contacted the agency in XX/XX/2021 to tell them to stop collection attempts.

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 2022-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
Good Morning I received a letter from my Employer that I have a pending garnishment for {$860.00} for LVNV Funding LLC XX/XX/2020. I have not been contacted and tried to contact XXXX XXXX XXXX XXXX group. I cant get any answers no return call. I asked for a print out of what is owed and to whom. This is unfair practice

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
upon checking my credit report i notice a credit agency trying to collect a debt i have no knowledge of i have never signed a contract with them verbally nor electronically ever in the past

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
There was no box for exactly what TD Auto Finance is doing. This is for Vehicle : 2021 XXXX XXXX XXXX, Account # : XXXX. 

I signed up to use AutoPay for my new car loan and then wanted to verify that the the initial loan amount was what was on my contract and could not see that information in their online system, nor could I view statements. I messaged them online and they kept saying they were attaching documents but they did not, so I would message and request again and finally 2 calls back but the rep did not identify who she worked for ( XXXX XXXX ( SP? ) XXXX or what options to push when I called back - there was no option to connect to her extension on the number she gave me to call back to. 

Finally when I messaged back and said I was filing a complaint a supervisor called and said in order to be able to view/see my account detail online I could not be enrolled in Autopay, so she removed me and then informed me that I would have to manually make payments if I want to see my account detail online at any given time. 

Trying to view statements after the supervisor removed me from ebilling I am greeted with this message - so I still can not see my statements : eBILL STATEMENTS SUMMARY ACCOUNT : XXXX Congratulations! You are eligible to enroll in TDAF 's eBill program. Please click " Sign up for eBill '' below to continue. 

Feel free to contact us if you have any questions about the status of your account. 

I should not have to go back to having to send payments in via the troubled USPS just because their system is not set up to allow a customer at any given time to see their loan information. This HAS to be in violation of some consumer finance policy!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: Yamaha Motor Finance Corporation USA
State: NY

Complaint narrative:
I received a letter in the mail on XX/XX/2022 from Yamaha Financial Services stating their have been changes made with the credit card consumer agreement between myself and XXXX. 
I do not have a Yamaha credit card nor have I made a purchase with Yamaha. 
I called the number on the letter ( XXXX ) and they were asking me my social security number and phone numbers. 
I did not provide the additional information requested, but they do have my name and full address.

They said they would 'handle it '.

My concern is someone may be using a credit card using my name which I never requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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:
The information shown on my consumer credit report is inaccurate and unverified. My information was exposed in the Equifax Breach. I submitted two claims regarding this one in XXXX when I first was aware of the breach and again in XX/XX/XXXX after NO RESPONSE was received from Equifax. As a result of the breach I have several pieces of information that were FRADUELENT and NOT made by me on my consumer credit report. I have sent EQUIFAX my police report, Identity Theft Report and several other pieces if information about my disputes but they REFUSE to remove this information from my consumer credit report. Under the FAIRS CREDIT ACT I have rights as a consumer to fair credit reporting and EQUIFAX is REFUSING to remove these fraudulent inquiries with a generic response. I have been dealing with this for now more than 2 years and I am tired of the wasted time, pain and suffering, money and financial hardship I have experienced because of EQUIFAX. I want my credit report fix IMMEDIARTELY or I WILL FILE A LAWSUIT AGAINST EQUIFAX. I have attached the Equifax Breach claim along with supporting documents of the fraudulent inquires that were made on my credit report because of EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Deposited a government issued check from the Illinois Comptroller XXXX XXXX for {$600.00} on Saturday, XX/XX/XXXX. As of XX/XX/XXXX, there is still a hold on the check and no funds are made available. I have spent 3 hours on the phone with JPMorgan Chase bank asking for the hold to be removed due to it being a government issued check and they are still refusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX data breach and may have gotten into the wrong hands.

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 2022-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: LDF Holdings, LLC
State: WA

Complaint narrative:
On XXXX XXXX, 2022, there was an attempt to take money from my bank account via ACH for a loan payment to Lendumo db for the amount of {$310.00}. The payment was returned as NSF. 

I did not take any loan from this company. In doing my research, I discovered this was a payday loan company. I did not ever sign any sort of loan documents, did not ever request a payday loan from this company, did not receive any loan proceeds from this company. 

Now they keep attempting to collect money from me. They call me, send me harrassing emails, etc. I have also filed a police report on this fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: FL

Complaint narrative:
Binance.US does not return emails and has failed to make good on the return of my assets. See attached prior complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
I requested a covid 19 forbearance over phone on XX/XX/XXXX. On XX/XX/XXXX I called after recieving my approval I paid that month and called to update my situation as requested by my loan servicer, stating that I didn't need my forbearance for the month of XXXX. 

Early XXXX I received a letter stating that my forbearance was closed due to resuming payments and/or at my request. XX/XX/XXXX I called to dispute this information and was told that I didn't have a forbearance but the denial was a mistake on their part, that they would reinstate and backdate my forbearance. They read me an extensive forbearance agreement to which I agreed. 

XX/XX/XXXX I called again to update my financial situation, at this point, again, they denied having any record of a forbearance and hung up on me. I called again and they acted like everything I was saying was new information and I quote " you don't have an account with loss mitigation so I don't know why you're calling '' After doing some probing they admitted to having notes from my previous conversations. They read me the same covid forbearance agreement which I approved, again. They backdated the forbearance to XXXX to makeup for their mistake. 

In XXXX I received a late notice with fees added and a foreclosure warning via mail. I panicked, rightfully and called on XX/XX/XXXX. The same exact thing happened. No recorded of ever having a forbearance or being in loss mitigation. At this point they said I was 100 % responsible for missed payments and fees in XXXX and XXXX. Damage was done, my credit took a huge hit and I suddenly became even more behind. 
Worried about foreclosure I called again, same day and spoke with a very apologetic representative that said every code entered had been incorrect so the information was being fast tracked to the correct parties and her supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit Management haven't respond and failed to provide requested information about the debt owed. It has been more than 30 days since my last letter sent to them. The debt is being reported to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF THE WEST
State: TX

Complaint narrative:
I purchased a $ XXXX travel trailer in XXXX of 2021. I put $ XXXX down. Bank of the West was the lender and XXXX XXXX XXXX was the Dealership ( XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX it has now been 7 months and I still have not received my tags. I have provided everything they have requested, I have made many calls trying to get my tags but Bank of the West does nothing to finish the transaction. What is my recourse to get them to do their part to finish the transaction?

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 2022-01-19 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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