vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the item/s be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

Complaint narrative:
Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

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 2021-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) -- been suggested i seek CFPH help because of the impasse here. I am trying to work with you and progress or cooperation on your part.

1. automatic monthly payments with high interest rate charges have been made and accepted every month 2. reviewed all the accessible receipts XX/XX/XXXX and accept those charges for the month. 

3. reject all other charges from day card was opened to present ( except for XX/XX/XXXX ) because you have not provided these receipts for me to review. 

4. expect a refund for full amount except for XX/XX/XXXX since request for list of all charges from inception of card to present has not been provided -- assuming these are fraudelent. 

Best Buy Citibank VIsa Balance : XXXX Valid Purchase:XXXX Fraudulent Purchases : XXXX Outstanding Balance Refund Owed to Me : XXXX XX/XX/XXXX XX/XX/XXXX XXXX Costco Autopayment XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX FRAUDULENT Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX FRAUDULENT ACTIVITY Autopayment XX/XX/XXXX XX/XX/XXXX XXXX Autopayment XX/XX/XXXX No Purchases Autopayment " XX/XX/XXXX XX/XX/XXXX XXXX Autopayment " XX/XX/XXXX No Purchases Autopayment " XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX XX/XX/XXXX XXXX Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment XX/XX/XXXX No Purchases Autopayment

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 2021-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America charged me a late fee of {$25.00} on XX/XX/2021. I was suffering from XXXX and it slipped my mind to make a payment before the due date of XX/XX/2021. I made the full account payment on XX/XX/2021, but this was Sunday, so the payment was not credited until XX/XX/2021. 
They charged me the late fee. I asked them to reverse it, but they did not agree.

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 2021-09-14 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: KY

Complaint narrative:
Wrong credit information on my account that is affecting me closing on a house and mortgage.

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 2021-09-14 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: MARINER FINANCE, LLC
State: AZ

Complaint narrative:
I currently have a loan with this company. I monitor my scores on all levels with all 3 agencies because there are lots of weird issues that I have and have tried disputing which companies don't seem to care about the law. I went to refinance this loan and they denied me stating I had an XXXX score of XXXX, which I have never had and I kindly said you must have a mistake. I called XXXX 5 mins later requested my report from them, asked if my score was indeed that low and they said no. The company states they use the vantage 3 scoring model which I can see is and was at XXXX that day. I requested to that companies cooperate number and I notified the customer relations department. I was contacted by a member and she said it was shown as XXXX however weirdly enough thats not the score she sees in her system, and not what shown now. she told me to call the branch I had requested the loan again. I was told by XXXX employee my score was not XXXX that there is no way they would show that if they were simply using the information provided by XXXX XXXX The store assured me they dont use any scorring models of their own, simply XXXX information. XXXX told me to have them run my credit again which they did and another inquirie on my report and they have a score again well below my score. Denied for the loan I dispute the score, I requested a copy of the report they used to make the determination which they denied. There own website has a check your credit score tab which also showed my score to be almost XXXX and they still would not listen to me or provide me any fair information that shows me how they can deny me with a score that wasnt mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on TD BANK USA/TARGETCRED and currently reporting as late. I have read enough to understand my rights. The late history should not be showing late because I think I paid on time. The Bureaus are attempting to violate this clear understanding, MUST REMOVE THIS ACCOUNT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: MOHELA
State: TX

Complaint narrative:
On XXXX XX/XX/2021, I checked my credit report and noticed that Mohela hadn't updated my student loan information since XXXX XX/XX/2021. I paid the loan in full on XXXX XX/XX/2021. Since Mohela hadn't updated my credit report since XXXX XXXX, I disputed the information ( loan balance ) on XXXX XX/XX/2021. On XXXX XX/XX/2021, even though the loan had been paid in full, Mohela refused to update and give accurate information with the rationale that they weren't required to do so until the end of the month instead of accurately and truthfully answering a consumer credit dispute with accurate information. 

I have attempted to rectify this situation to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am in recepit of a letter dated on XX/XX/XXXX from XXXX XXXX XXXX. They have stated that they are the new creditor on an alleged debt and stating that I owe an alleged debt. While reviewing the letter, I came across many violations pertaining to my consumer rights. Under the FDCPA, Congress states that a debt may be sold from a credit, but not my private information. 15 USC 1692c ( a ) alone states " without prior consent of the consumer given directly to the debt collector ... a debt collector may not communicate with a consumer in connection with the collection of any debt. '' I have never consented to contract with XXXX XXXX XXXX and they have breached my privacy.

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 2021-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: IN

Complaint narrative:
Lakeview XXXX XXXX XXXX Lakeview XXXX XXXX XXXX bought my mortgage on XX/XX/XXXX from XXXX XXXX  / XXXX  I did not receive any notification and XXXX  XXXX  auto drafted XXXX and XXXX payments. 

I received a certified letter from Lakeview / XXXX XXXX  that my mortgage is in default and will start foreclosure process on Late XXXX and that is when I realized my mortgage was transferred. 

I then called XXXX XXXX and they told me this is a common practice and both of my payments, XXXX and XXXX had already forwarded to Lakeview / XXXX XXXX. 

I called loan care and they acknowledged the problem and they said it will be fixed within 24 hrs to 48 hrs. I was also told that I will receive a phone call from them.

They again and again failed to notify me. Each time they give me different deadlines when I call back. First was XXXX. Then now XX/XX/XXXX. 

They acknowledged that they didnt meet the time requirment. 

XXXX payment was due XXXX with a grace period of 15 days. They now want XXXX payment. I was going to make a payment but then they told me it will apply to XXXX payment. Basically they want all 3 months payments in order to apply XXXX payment. 

I feel like they are in breach of contract for not timely transferring the mortgage within 60 days and also not accurately posting my payments. 

Meanwhile my credit scores dived. I was planning on buying a new car this is not happening.

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 2021-09-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I got my unemployment in XXXX of 2020 and have XXXX dollars in casino  charges and a XXXX  XXXX  XXXX  on line gambling I have XXXX even heard of if you look at my statements that have same day casino charges then XXXX charges in XXXX XXXX from each other I have almost had a nervous break down due to just trying to recive a paper statement then to have them freeze my account 7times have to wait for a card change my adress to my neighbors get disqualified from end dividing understand why give me some provisinalncredit reverse it say you paid me XXXX and lied about giving it back to me I need my money back I have called merchants casino they tell me to call bank for help I can ony do so much

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 2021-09-14 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XXXX XXXX- we went to court and I paid them as agreed by the judge XXXX they in turn took me back to court and did not show up for the matter the judge them dismissed this case in my favor but XXXX  XXXX wont remove this off of my credit and after the judge decision they told me I owed them XXXX. I believe they are targeting my unfairley and did not follow the ruling of the court they are trying to hold my credit in bad standings until I pay what they want me to pay not the order of the court.

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 2021-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
I purchased a XXXX XXXX XXXX  on XX/XX/XXXX from XXXX XXXX in XXXX, Va. I traded the XXXX XXXX  to XXXX XXXX in XXXX, PA for a XXXX XXXX XXXX XXXX pickup truck on XX/XX/XXXX with the agreement to payoff my XXXX XXXX loan as part of the deal. While seated in XXXX dealership they did call XXXX XXXX on XX/XX/XXXX and received a 20 day payoff amount of {$28000.00}. XXXX mailed a check to XXXX XXXX on XX/XX/XXXX to meet the 20 day payoff, and the check was processed on XX/XX/XXXX for the amount of {$280.00} not the amount of the actual check sent. 

I have called XXXX XXXX on numerous times to resolved the discrepancy and I am stonewalled and sent to the collections department. 

I went back to XXXX XXXX and talked to the manager in the accounting department XXXX at ( XXXX ) XXXX and he was told on XX/XX/XXXX the issue is being reviewed and given a case # XXXX. At this point my account # XXXX is in collections department. 

I am reaching out to your office to help resolved this issue and send the title to XXXX XXXX to complete the deal, and show my account paid-off. 

Kind regards, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Has been sending me collection notices in the about ( XXXX $ ) The collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: AZ

Complaint narrative:
My husband send money through Google Pay and Google Pay XXXX XXXX deposited the money on Monday but withdrew the money on Tuesday and is now playing XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
In XX/XX/2021 my husband and I went to Lowes Home Improvement store to purchase decking supplies. The sales person at the Pro Shop desk sold us on opening up a business advantage credit card so we would get the 20 % off our purchase for new applicants and a 5 % discount each time we made a purchase at Lowes for having a business account.

We agreed to applying since it would afford us time to pay the amount and we would also get our order by the beginning of summer. Unfortunately the total for the supplies maxed the credit limit on both my card and my husbands. 

On XX/XX/XXXX my husband and I both received a letter from Synchrony Bank indicating our accounts were closed due to few commercial financial accounts and few open commercial credit card accounts. 

This is very unfortunate as we never indicated to the sales person we were contractors or professional commercial builders. This credit card was recommended by that sales person and never advised us there was a possibility it could be closed in the near future for these reasons. 

Upon calling Synchrony Bank Lowes and speaking to a supervisor we were advised there was nothing they could do and recommended we apply for the Lowes Advantage credit card. 

I informed the supervisor how is that fair when we applied in XXXX and why was it approved if the credit report showed no commercial accounts. We no feel we were approved just to get is to make the purchase snd now we are locked into paying this money and the interest if we fail to payoff before the promotional period. 

Not only do we have no credit card but we will be subjected to another inquiry on our credit report. When this was already done back in XXXX. My credit report shows they checked my consumer credit history so for them to say they only checked my commercial credit history is untrue.

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 2021-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I received an email a few weeks ago congratulating me for opening a new TD bank checking account. I reported the email to their claims department and heard nothing back. I kept receiving emails about my new account, and I finally called TD bank when I did not get responses to my concerned emails. I spoke with TD banks fraud department and they told me I am a victim of identity theft and need to file a complaint because my social security number has been compromised. They said they would be closing all accounts on their end but now I am very concerned about my information being stolen or used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
I am in recepit of a letter dated on XX/XX/XXXX from Credit Corp Solutions. They have stated that they are the new creditor on an alleged debt and stating that I owe an alleged debt. While reviewing the letter, I came across many violations pertaining to my consumer rights. Under the FDCPA, Congress states that a debt may be sold from a credit, but not my private information. 15 USC 1692c ( a ) alone states " without prior consent of the consumer given directly to the debt collector ... a debt collector may not communicate with a consumer in connection with the collection of any debt. '' I have never consented to contract with Credit Corp Solutions and they have breached my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Closed account for CapitalOne Visa and made payment the same day ( XX/XX/2021 ). Payment has been taken out of my checking account via EFT and also shows up under payments on CapitalOne 's credit card account detail page but they will not credit the payment to my account. They advised there is a system glitch and they can't apply the payment to my account. They are working to try to fix the problem but my account still shows as past due and I will be reported to a credit bureau as delinquent after 30 days past due. We are already at 10 days and they can't fix it and don't know when they will be able to. The problem they say is with customers who cancel their accounts the payments aren't applying to their accounts.

Company response to consumer: Closed with explanation