vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Synchrony/SAMs MC with a balance of {$2000.00} was settled via phone conversation between XXXX  XXXX  XXXX  agent and Synchrony Bank representative XXXX XXXX for {$710.00} lump sum payment to be received by Synchrony Bank on or before XXXX. {$710.00} was debited from reserve account with XXXX XXXX XXXX  on XXXX. Check # XXXX from XXXX XXXX XXXX was endorced by Synchrony Bank on XXXX. PLEASE NOTE the account of origin for this check.. this was not a personal checking account, but a reserve account that would have only been in place to serve in debt consolidation efforts. This was a settlement payment! Check was incorrectly posted by Synchrony Bank as a payment on the pre-settlement balance rather than accepted as the settlement payment in full. XXXX XXXX  notice, received XXXX ( 4 years later! ), stated that the account remains unpaid with a balance of {$1600.00}. Copies of settlement agreement, reserve account debit, and endorsed check mailed to XXXX XXXX  on XXXX. XXXX XXXX  notice, received XXXX, states that payment of {$840.00} will settle the account for less than full balance. 

This account was settled in XXXX. No further settlement terms are needed or secure.

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 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
my name is XXXX XXXX with XXXX # : XXXX reaching out to request for you to look at my report and remove the inaccurate information that are damaging my credit. i am planning to apply for a loan so please dont make things hard for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: MO

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
money was deducted from my checking account and got a confirmation of a payment to XXXX XXXX in the amount of {$490.00} XX/XX/2021 at XXXX got a phone call from impersonator saying they process payment and that he represented XXXX and that they were going to cancelled and refund payment in an hour to send them the message confirmation to XXXX them to cancel and i did then they sad number to and that they were going to cut my service because the amount they process didn't go through my bank and they need it another payment deposit in the same amount I called the XXXX number has they were in line they called me several times because call got dropped and I was on a waiting line but XXXX representative said it was fraud because they never process payment online and that i should call my bank called and reported payment has fraud to stop it but i see online an the payment was process through XXXX I don't know and I never authorized this payment then they call me im attaching the payment i see in my bank process to this guy I don't know and the emails with m & t back after i call to cancel my checkcard

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 2021-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAND HOME FINANCIAL SERVICES
State: CA

Complaint narrative:
Under CARES Act protection I entered into forbearance for 3 months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I made all of my payments on time before and after that period. Since XX/XX/XXXX I have been trying to resolve the unpaid amount from the forbearance period. I was told they lend would reduce my payment by 20 % while maintaining my 30 year mortgage. This did not happen. What happened instead is the lender is offering to extend my mortgage to a 40 year mortgage causing me to pay an additional {$70000.00} or more in interest. When I call weekly to Land Home Financial loss mitigation department they can not discuss any of this with me and promise a call back from a supervisor in 24 hours, which never happens. The loan modification docs they sent said to call and discuss this 40 year modification or the other option to just defer the 3 missed payments to the end of my current loan. I have been calling to discuss and declined the 40 year mortgage modification option and formally requested the 3 payment be deferred until the end of my current 30 year loan. The loss mitigation department can only make this noted on the file and say my servicer or their supervisor will reach out to me in 24-48 hrs. I just want to roll these 3 payments ( defer them ) to the end of my current mortgage. I dont want to be strong armed into a 40 year loan with an additional {$70000.00} or more in additional interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: TX

Complaint narrative:
I have sent numerous 609 letters regarding disputes to my credit file in addition to a 611 report asking the bureaus how they arrived to the decision to leave multiple charge off accounts as verified. 

XXXX XXXX XXXX  : Theyre  alleging that I owe for an account with them but all 3 bureaus are not only verifying the accounts without a proper investigation, theyre illegally changing the date of last activity & the date of charge off theyre giving is XX/XX/XXXX while the bureaus are changing the information with every dispute. The information is not in line with what the creditor is reporting so it needs to come off. 

XXXX  XXXX : The credit card on my credit file ending in XXXX was paid off on XX/XX/XXXX & I was told by the representative I paid this off with that it would be deleted from my credit reports but its still being reported as derogatory when its been paid in full. This needs to be deleted. 

XXXX XXXX  XXXX XXXX : This account is showing open when in fact its already been charged off & with every dispute youre allowing updates in payment history & for this to be factored into my available credit. The date of last activity is also being reset to this year which is incorrect. This tradeline should also be deleted XXXX XXXX : On my XXXX credit report its showing that I was 60 days late & Experian its showing 30 days late. I would like for the late payments to be removed since the creditor cant seem to keep up with accurate information regarding my account. 

XXXX XXXX : The credit card I had with them was paid in full but XXXX is still reporting this account as negative & Experian as well as XXXX are still reporting balances. This account also needs to be deleted XXXX XXXX  : Last Active dates are all showing different which has something to do with the way its aged on my reports.This is inaccurate information that needs to be deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
On XX/XX/XXXX, I called to request validation of the debt owed to my address because the company said they were filing a lawsuit against me and the request was denied. On XX/XX/XXXX, I called again and requested validation again but the request was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
On XX/XX/2021 this collection account in the amount of XXXX appeared on my credit reports. Commonwealth financial is the collection agency. The address on file is XXXX XXXX XXXX XXXX XXXX, PAXXXX Phone number listed is ( XXXX ) XXXX I immediately called and asked about the debt requested verification of the debt and gave my updated information. They told me two weeks to get the letter. No letter arrived. So I sent a certified debt validation letter to the above address on XX/XX/XXXX. The letter was received on XX/XX/XXXX and I have the confirmation of delivery. 

It is now XX/XX/2021 and I have received nothing requested. I disputed this account with the credit bureaus also. And commonwealth responded to them. Not me.

One, this debt is not mine. Id know if I visited any emergency room and I have not. I want to see my signature on a document dated stating I owe the debt to the original hospital or drs office.. I want a detailed list of services supposedly rendered and I want to know why I was not contacted in any capacity prior to this going on my credit report. So I could report it for what it clearly is. Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/XXXX, two orders were placed using my Bank of America Debit Card for {$1000.00} and {$1400.00} respectively at what appears to be a wholesale beauty shop run by a company called XXXX XXXX. The money was deducted from my Bank of America checking account on that day. The orders were then cancelled by the store which sent me emails to confirm that the orders were cancelled and that money was refunded. However, the money never was refunded to my account. Instead I called Bank of America and the company gave me a temporary reimbursement for each of the two transactions, which it then revoked on XX/XX/XXXX. 

I claim that this order was placed fraudulently using my Debit Card. I have never made any similar purchases at beauty stores, especially not in the wholesale quantities indicated here. In fact I have seldom made any beauty store purchases, a fact that is born out in the 15 year banking history that I have with Bank of America. Furthermore, I am a XXXX XXXX by trade and training and have no qualifications or inclination to go into the beauty business. I have been a sole proprietor of my own XXXX XXXX XXXX business since XXXX. 

I have a copy of the order details which Bank of America sent to me when it declined to uphold my claim of fraud. These order details state that the IP address that made the purchase was in XXXX, CO. I have been living in XXXX since XX/XX/XXXX and was there at the time of the fraudulent purchase. 

Additionally, the articles that were fraudulently purchased were never delivered to the address on the order and I never received any shipping notice or tracking information. I have tried to contact the company that the orders were placed at and their phone line is disconnected. Their web page says they are not open, and I don't entirely believe that the are a legitimate company. 

I have now filed a Police Report with the Police in the town I reside in when I am in the US. 

These fraudulent transactions add up to a significant sum. I have submitted and resubmitted fraud claims with evidence backing up each portion of my story above to Bank of America but they have denied each one saying that myself or someone with my information placed the orders and they were legitimate. They have now denied my third claim and refuse to open the investigation further. 

I would like to do something to get my money back, but I can't find the " XXXX XXXX  '' company to take to small claims court, and I can't get Bank of America to believe that this wasn't me who made the order in order to get them to refund my money.

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 2021-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2021, I received a scam call from a person who was impersonating an ICE ( U.S Immigration and XXXX XXXX ) officer, and I was fooled by this voicephising. So I had to make a money transfer of {$1900.00} from my Bank of America saving account to a person named XXXX at XXXX. He was planning to steal a total of {$3400.00}. He told me to send {$1900.00} first, so I sent him. He told me to send another {$1500.00} and I tried to, but due to the withdrawal limit of my saving account, it failed. He told me to try {$1400.00} then, but it failed again due to the withdrawal limit. At that moment, I realized that this is a scam trying to steal my money. So I immediately stopped making the second payment. I tried to cancel the first money transfer of {$1900.00}, but I couldn't reach to the bank due to high volume of customer service calls.

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 2021-09-17 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17 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: Overland Bond & Investment Corporation
State: IL

Complaint narrative:
BEWARE!!! I purchased a car from overland bond investment Corp ( XXXX IL ) in XXXX to start building my credit. But it has done everything but build my credit. Initially when I got the car they was reporting to 2 major credit bureaus now they only report to XXXX  that was the beginning of the nightmare. Fast fwd to XXXX I found that the company had NOT reported my ON TIME payments to XXXX. When I reached out to them they got very upset and didnt take my concerns seriously. I disputed the inaccurate information with XXXX  it was updated after 6 months of going back and forth having to prove my self. Fast fwd to Mid XXXX the pandemic hit I was effected by it and my job had dropped me down to part time/ the company humiliated me by making me submit that information just to reduce my car payment from {$230.00} bi-Wkly to {$130.00} a few months ago I was completely let go and couldnt go back to work do to personal injuries on top of Covid I still remained paying the agreement payment plan we made which was XXXX but when I noticed that hadnt been reporting to the credit bureau again for the SECOND time I reached out to the company they got very upset again they ignored numerous emails/calls. I have all my paper trial. When I disputed it with XXXX and the XXXX they got furious and updated my credit report saying Im delinquent which wasnt the agreement they was supposedly helping customers effected by Covid which I still currently am. Not only is it cruel to do this to a customer whos trying to stay honest I was jus trying to get my credit report updated because I take my credit serious I pay my bills on time. Its funny the company responded the same day when I reached out to the XXXX  but never responded to personal emails or phone calls? And now all of a sudden because Im reporting your negligence they want to say Im behind on my note and its now effecting my credit score and worthiness which is negatively effecting my family I have XXXX small children and trying to make a living. I would like them to completely remove the account from my credit report. If I was behind on payment what company lets you owe over XXXX in back pay!? Why wasnt the alleged past due balance reported last year? Its clear your company is making false allegations because a customer does their research and found out youve been taking payments on a car thats wrote off and not reporting to the credit agency accurately! I still havent received a phone call from them! Horrible customer service. Zero benefits and on top of it they charged 3x the amount they should be allowed to! Their loan sharks taking advantage of tax paying citizens! I wouldnt recommend this car if you was XXXX standing in a blizzard

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: DE

Complaint narrative:
I submitted disputes for a fraudulent account and fraudulent hard inquiries on my credit reports. 

XXXX XXXX Equifax Account - XXXX  XXXX {$2500.00} XXXX  Hard Inquiries - XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: MD

Complaint narrative:
I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: MD

Complaint narrative:
I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

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