vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
My wallet was stolen at a gas station with my license, credit, debit and other sensitive information in it. I have been trying to report the fraudulent charge for {$100.00} from XXXX for months now to XXXX XXXX  credit card. You can only report the charge over the phone with their fraud department the customer service representative told me. Then they put you on hold for hours! I've even waited hours and then it hangs up on me. I tried reporting the autopay from the fraudulent charge to my bank, and XXXX XXXX credit card charged me {$30.00} for reporting the autopay. I'm so frustrated there's no way to resolve this! I don't want this on my credit record, so am I just forced to pay all of this? It is such a scam! I just want a resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has 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 non-monetary relief
Consumer complaint received 2022-08-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: GA

Complaint narrative:
My property taxes are behind. XXXX XXXX  : XXXX, Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Sheriff served me on XX/XX/XXXX, by leaving a letter on my mailbox on XX/XX/XXXX. 

XX/XX/XXXX I called the Sheriff and they said my property tax balance was {$12000.00}. My taxes were paid by a company named XXXX XXXX I called XXXX and they told me that I was approved to call XXXX. I called the servicing # and I left a voice mail yesterday. The Sheriff advised me that I can get on a payment plan. I pulled the property taxes from the Tax Commissioner website. This information had not been here over the past 6 years. On the Tax Commissioner website, they said they were sending it to my old XXXX  address. I have been living on my home since XXXX after coming back from XXXX  in XXXX. I have not lived at this old address since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC.
State: GA

Complaint narrative:
I keep getting calls from individuals claiming to be a debt collector for Afni. They refuse to identify what their company does without being given information first. I had to look up the name and have found that multiple people have been called/scammed by them. They have an automated system when you call their number back that provides a website, afnicollections.com, and it is a flagged website. I asked them to remove my number from their list but they kept wanting me to repeat my number and give them personal information ; name, DOB, etc. The number I keep receiving calls from is XXXX. When I answer the calls, I can hear lots of people in the background and it sounds like a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home American Mortgage Corp
State: CO

Complaint narrative:
I applied for my first mortgage loan for a new build with HomeAmerican Mortgage Corporation through XXXX XXXX after they assured me my excellent credit would be enough to qualify me for a $ XXXX home in XX/XX/XXXX. They did not check bank statements after being approved for the loan. They gave me an estimated monthly mortgage payment of {$2100.00} and did not ask how much I am putting down on the house. They required I pay the earnest deposit of {$3900.00} to secure the home because property was selling fast. I did so and received estimated costs of mortgage to be {$3300.00} nearly 6 months later, when the home was closer to being built. Unfortunately, I bring home {$4300.00} a month and can not afford this {$3300.00} payment. HomeAmerican Mortgage knew the amount I was bringing home because they checked my XXXX and pay stubs. 

When the home was near completion in XX/XX/XXXX I was asked to join the closing meeting, to which I informed my loan officer and sales representative at XXXX XXXX that I am unable to pay this mortgage. They have since stopped communication with me and I have asked for the earnest money of {$3900.00} back and the Senior Division President at XXXX insisted that my deposit was only transferrable to purchase another XXXX XXXX. Since then, they have marked my application for the home as " Buyer 's remorse. '' After this incident, I have researched that I should only qualify for up to {$340000.00} based on my check stubs. Without having done their due diligence of checking bank statements, savings, assets, etc., I believe I am a victim of predatory lending. I even confirmed with another mortgage company, XXXX, and they informed me that I only qualify for up to $ XXXX. In this case, I only want my deposit of {$3900.00} returned and nothing further. Please help. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
My card was sold to another company. The payment agreement I had with XXXX did not transfer to Barclays. The autopay continued to work until it suddenly stopped. This resulted in a pst due payment reported. Is this allowed? I certainly would have paid the proper company had I known.

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 2022-08-25 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: NC

Complaint narrative:
I, XXXX XXXX, am a consumer, a natural person. I am demanding notice the CRA 's and the following companies broke the law. 

1. I have been denied credit for a home twice ; because of this my family may be homeless since you refused to remove these items from my credit report.

2. Your are reporting falsely to my credit report that I have been late from the following companies - XXXX XXXX XXXXXXXX XXXX and XXXX, XXXX is reporting me late and there are no such thing as late payments on open ended credit plans. 

3. You have failed to remove these accounts after my previous attempts of communication with your company after my right to privacy ( 15 USC Code 6802 ) has been violated and you have no proof or validation that I was late on any payments. You have also participated in unfair practices by being one sided with the companies and not the consumer.

You have violated my right to privacy and defamation of character by providing me with deceptive forms and reporting negatively to my credit report. I have disputed this account before and nothing was done about it. The company XXXX XXXX, XXXX ( Acct # XXXX sold the debt to XXXX and XXXX and you are falsely reporting this on my credit report since this account has been charged off and there is still an balance on my report. 

I have attached the following files for your review pertaining to this compaint showing that I have been denied for credit for a home through XXXX XXXX XXXX. Also I have attached XXXX still being on my credit report after they charged it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: NC

Complaint narrative:
I, XXXX XXXX, am a consumer, a natural person. I am demanding notice the CRA 's and the following companies broke the law. 

1. I have been denied credit for a home twice ; because of this my family may be homeless since you refused to remove these items from my credit report.

2. Your are reporting falsely to my credit report that I have been late from the following companies - XXXX XXXX XXXXXXXX XXXX and XXXX, XXXX is reporting me late and there are no such thing as late payments on open ended credit plans. 

3. You have failed to remove these accounts after my previous attempts of communication with your company after my right to privacy ( 15 USC Code 6802 ) has been violated and you have no proof or validation that I was late on any payments. You have also participated in unfair practices by being one sided with the companies and not the consumer.

You have violated my right to privacy and defamation of character by providing me with deceptive forms and reporting negatively to my credit report. I have disputed this account before and nothing was done about it. The company XXXX XXXX, XXXX ( Acct # XXXX sold the debt to XXXX and XXXX and you are falsely reporting this on my credit report since this account has been charged off and there is still an balance on my report. 

I have attached the following files for your review pertaining to this compaint showing that I have been denied for credit for a home through XXXX XXXX XXXX. Also I have attached XXXX still being on my credit report after they charged it off.

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 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo has also opened an account in my name without me even knowing about it. They have since closed this 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 monetary relief
Consumer complaint received 2022-08-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In XXXX, I order merchandise that was sent to the wrong address. I filled a dispute with Kohls in XXXX informing them that items was sent to the wrong mailing address. Per Kohl a dispute was entered and refund would be posted to my account with in 7 days of dispute. On XX/XX/XXXX I followed up with dispute and was informed no ticket was open in regards for this matter. Then on XX/XX/XXXX i was also reinformed that a dispute would be entered and an incident reports was completed to reflect incident and i was again informed that a refund would be reflected on my account for items that was never received. The refund was never issues and I contacted KOHLs again on XX/XX/XXXX, after being contact by KOHLS to collect funding for these charges, in regards to this matter and was then informed a letter was going to be sent to my mailing address to reflect the conversation and that a credit would be posted onto my account. A credit was never refunded and the account continued to accrue charges and late fees until the account was closed off and listed as a charge off on my credit report. I have reached out to them once again to resolve this matter and was informed that the credit was going to be applied to my account and that the late fees and charge off would be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25 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.

Complaint narrative:
Equifax is billing me every month for their services but its been a while since I have no more access on my account. I go on the site to recover it and it says that I dont have an account ( not what my bank account says but ok ) I try to make a new account and it says that I already have one.. Never got an answer from someone on the phone. They just take my money for years and I have no service. Straight up robbery. The second I can get out of there I will and never come back. It supposed to be a place where you can monitor your activity, but you cant and they take your money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TEXAS CAPITAL BANCSHARES, INC.
State: FL

Complaint narrative:
ONLINE BANKING IS DISABLED. I CAN NOT MAKE A DEPOSIT OR WITHDRAWAL MONEY. I SPOKE WITH CUSTOMER REPRESENTATIVE THAT SAID ACCOUNT IS IN INVESTIGATION .REPRESENTATIVE DID KNOW A REASON OR HOW LONG WILL LAST INVESTIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: TX

Complaint narrative:
XXXX XXXX of 2022 I found out my social security number was being used for someones Business number & that they also had an XXXX bank account at PNC bank. That prevented me from opening an back account for myself. Also I visited an PNC bank branch & they did a quick & petty investigation, gave me a call back the next day & said basically it was nothing they could do & that I should call social security & the IRS myself. Plus they was closing the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Control Technology, Inc.
State: FL

Complaint narrative:
I paid account control technology {$1200.00} on XX/XX/2022.

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 2022-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am submitting this compliant against Spring Oak for the federal violated they have committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: OH

Complaint narrative:
I am a small business owner and went on a vendor/wholesalers website to purchase items. I was told we could get credit with Acima and make payments on items we purchased to SELL in our stores. I made 2 purchases and one was {$870.00} and the other was {$470.00}. So Acima stated this is rental property and would have to pay {$1700.00} for the first and {$950.00} for the second. I reported a loss of income due to being sick and I missed the early purchase date. Then I was told I could not sell the merchandise until I made all the payments. I asked how am I to make money if I could not sell the items I purchased in my store and why was I being charged so much. I contacted the original owner and she stated that is why she stopped using Acima because of their deceptive practices against her customers. Acima told me I could return the merchandise but I will lose all the money I have paid so far which is almost {$2000.00}. The merchandise will be out style and out of season by the time i ma done paying off the lease. I think this is predatory lending practices due to the price and then they keep changing my payment amounts and how the take the XXXX from my account then lie and say they havent changed it but they have. The products I have, have already depreciated in value because they have been sitting there so I am paying on products that i will not be able to sell and i will be out of over {$3000.00} in the end. The products arent event worth {$3000.00}. I think Acima lending practices are a totally rip off and I want my money back or my lease end at hos much the product is worth when I acquired them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX only said that the reporting of the item was accurate without any explanation and did not give me their method of verification or any documentation to back their claim.

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 2022-08-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have been with CareCredit over 20 years and, never missed a payment. My mother ( user of the card too ) passed away last year and when I informed them to remove her as she passed away - just complete lack of empathy- I probably should have closed all my Synchrony accts after that but I didnt. 
So Im recent weeks I have become a victim of massive Identity Theft - yet my CareCredit acct wasnt affected at all - and before I could finish sending letters to the 3 bureaus to block specific information on my reports due to Identify Theft, CareCredit had closed my account without any notice. Similar to most of what Im hearing, calling to inquire or request re-open is waste of time as they are not entertaining the idea at all. 

I manage a XXXX facility where we offer and we recommend CareCredit all the time for our clients. Almost every client we have applies for CareCredit as we are able to give them first hand personal experience of it being so useful and go into detail about when and how often we actually use it. After the sudden closing of my account and my recent experience with CareCredit and Synchrony, our practice will no longer continue to offer or recommend CareCredit at all.

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 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This company is reporting a inaccurate account on my consumer report and has been doing so since XXXX I have sent numerous letters since XXXX asking for validation they did not provide any procedures and steps they took to validate this account but told me it is accurate. According to the fair credit reporting act every information being reported must be 100 % accurate and verifiable

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 2022-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Credit bureaus stated my account was properly investigation but how is that possible if the open date inaccurate, the last active date is inaccurate, the account says open but others say closed. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states i have rights to privacy. 

15 U.S.C 1681 section 604 it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
I began questioning the financial company XXXX XXXX XXXX XXXX XXXX ) last XXXX. They said they would investigate and get back with me. They never did and I have had numerous medical issues and surgeries, so I wasn't able to keep on top of it. 

In XXXX, I requested a copy of the loan contract and received a contract with numbers that I didn't sign for. This included a loan amount that wasn't what we asked for and no sign of our down payments ; all these numbers were clearly stated on the credit app. Also, it was not signed and when I questioned this, they said that it didn't matter if it wasn't signed. 

Last week, I asked them to furnish my entire file and they responded that they weren't required to do this. The only things that they have given to me was the payment history, the loan contract ( 1st unsigned and than all of a sudden signed with transposed signatures from the credit app ) and a Bill of Sale ( that we never received from the dealership, with numbers that don't add up either ).

Company response to consumer: Closed with explanation