vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: STERLING JEWELERS, INC.
State: PA

Complaint narrative:
I received a phone call at my employer on XXXX/XXXX/21. I was not at work at that time and they left a number which is XXXX. They said they have a case number against me which they stated it was XX/XX/XXXXXXXX. They said it was for XXXX which is my name. But no last name. 
There are 2 XXXX  that work at my job and they gave it to the other XXXX and she called and they asked for her last 4 numbers of her social that is when they informed her they weee looking for XXXX XXXX which is me. When I got to work on XXXX/XXXX/21 they handed me the note and I called. They then told me to call another number when I would get out of work or they would send papers to where I work because they said they tried to deliver me papers at home but they couldnt. I have emergency custody of my granddaughter and someone is always here with her because of covid and the circumstances of why I have her she is at home most all of the time. When my husband and I leave for work her caretaker comes to our home and stays here. When I asked they said I should have received it in the mail and I said I never received anything in the mail and they blamed it on the mail system. 
It was a debt I owed 12 years ago to Kay jewelers for a charge of {$78.00} and they told me the total charge now was {$720.00}. 
Because I was so upset my daughter called the number and they said it was XXXXXX/XX/XXXX in California and that I was to speak to a XXXX XXXX. Also when my daughter said she was going to report then they called her a XXXX and hung up They had my social security number and my birthday. And I am worried about them calling my employer and them being concerned about me

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
My identity was stolen I reported it to the police

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had negotiated an interest rate reduction on 2 of my Bank of America credit cards in XXXX of 2020. Bank of America agreed that I would be on an auto pay plan for the 2 cards with the first payment to commence on XX/XX/2020. However, although the payments were being made as agreed and taken from my account monthly, they still had me marked as late from XX/XX/2020 through XX/XX/2020. This is obviously negatively impacting my credit rating. Bank of America was notified and it still has not been corrected.

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 2021-03-09 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: WA

Complaint narrative:
XXXX XXXX incorrectly listed my status as a late payment - XXXX XXXX - letter from them included herein - has Crrected this error. 
all other credit reporting agencies have Corrected their reports but Transunion wont correct theirs and it hurts my 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
Consumer complaint received 2021-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
As of XX/XX/2013 I got behind 2 payments on my mortgage loan they kept threatening me with foreclosure sending me certified notices so my only option was to get a loan modification I did not realized because of the 2 months I was behind they were going to add 15 years to my mortgage loan is that legal? I kept sending the mortgage company certified letters requesting how many months I was past due before I got my loan modification but they ignored all my request, I finally found a letter from mortgage company stating I was only behind 2 months, a default on a loan is not until the loan is behind 4 months so I am not sure why they kept threatening me with foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: AZ

Complaint narrative:
I spoke with EOS collection company today regarding a collection for XXXX XXXX. I spoke with XXXX wireless multiple times prior to be sent to collections as well. When I cancelled our XXXX XXXX, they continued to charge for service, so when I got our final bill I spoke with them to have them correct it. They agreed to correct the amount because it was in fact incorrect. However, we were sent to collections prior to XXXX correcting the issue. They are trying to collect {$4800.00} when the bill is less than half of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is the last time I am sending this letter to your company, Transunion, before I sue you for violating my rights as an consumer. Remove the alleged account below from my consumer report as you are in violation of 15 USC 1681b, being that I, the consumer, did NOT give you WRITTEN instructions to include this alleged information on my credit report. You are also in violation of 15 USC 1681a as it looks as though this alleged account is from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Transunion is also in violation of 15 USC 1681c-2 as you refused to block this information within 4 business days of the receipt of my identity theft report even after I called and it was verified that your company received my documents and was then told that your company policy says 30 business days ... well that is NOT what the law says. Transunion is also in violation of 15 USC 6801 as both you and the creditor of this alleged account are apart of constructive fraud while simultaneously causing substantial harm to me as a consumer. 


XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: MD

Complaint narrative:
I have disputed 2 account that I do not feel are accurate, nor has the company ever provided proof to me that this debt is owed! The first time I disputed this through the credit bureaus was XX/XX/XXXX. I disputed again on XX/XX/XXXX because I didn't receive anything in the mail from the bureaus. It is XX/XX/XXXX and I still have nothing from anyone! No investigation has been started, no verification was given by the creditors or the bureaus and no response was sent to me, electronically OR through US mail!. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have disputed 2 account that I do not feel are accurate, nor has the company ever provided proof to me that this debt is owed! The first time I disputed this through the credit bureaus was XX/XX/XXXX. I disputed again on XX/XX/XXXX because I didn't receive anything in the mail from the bureaus. It is XX/XX/XXXX and I still have nothing from anyone! No investigation has been started, no verification was given by the creditors or the bureaus and no response was sent to me, electronically OR through US mail!. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
This was a secured MC credit card from Citi, located at XXXXXXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX. I closed this card in XXXX of XXXX. There was an outstanding balance on the card at the time it was closed ; at that time, I was given to understand that I would continue to make the monthly payments until the balance was XXXX, at which time my deposit of {$200.00} that was used to open the account would be refunded. I called to check on the progress the first time on XXXX, at which time I was told by customer service that the check was processing, and I should expect it at then end of XX/XX/XXXX. I called again on XXXX, and was told the same thing ... the payment had been issued, and I could expect the refund of my deposit at the end of XXXX of XXXX. Since I still had not gotten it as of today, XX/XX/XXXX, I called the company again today at XXXX EST. This time, I was told a completely different story : that since I had a balance per the XX/XX/XXXX statement of {$220.00}, that my security deposit was applied to that amount, so when I went to pay my bill on the XXXX of XX/XX/XXXX, all I owed was {$27.00}. I was surprised, because I knew the outstanding balance was more, but I paid up. So, I was very frustrated to find out TODAY that the above is what happened without my input ; in other words, I was not given the opportunity to ACTUALLY pay the balance off so that I could get my deposit amount returned to me. I let the customer service agent, and the supervisor of accounts payable named XXXX, know of my ABSOLUTE frustration with what I called their behind-the-back, snake-in-the-grass, and underhanded way that this situation was handled. I would have appreciated being reminded of this clause in the terms at the time that it happened, and thereby expecting NOTHING to come back to me, instead of being led on by false promises of a refund that they knew they were NOT GOING TO ISSUE AT ALL thanks to the way they applied my refund to the outstanding balance that I KNEW I had from the beginning instead of giving me the option of ACTUALLY PAYING IT OFF so I could get my money back. I was advised to call back on XX/XX/XXXX to accept a {$25.00} credit, which XXXX emphasized that he was not supposed to do, as if that would make up for the fact that I'd been cheated out of my deposit amount of {$200.00} thanks to their underhanded way of doing business. I will NOT be calling them back on XX/XX/XXXX or any other time to get their chump change, but I decided that I would make known their less than honorable business dealings that they practice so they can get out of refunding people their money. So, here it is. I await the results of your investigation. Thanks

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 2021-03-09 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: CA

Complaint narrative:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I spoke with Synchrony on XX/XX/XXXX and requested a settlement. They agreed to settle for {$550.00}. It was agreed that I would give 3 payments ( {$180.00}, {$180.00} and {$180.00} ). These payments would be automatically taken out on XX/XX/XXXX ( Confirmation XXXX ), XX/XX/XXXX ( Confirmation XXXX ), and XX/XX/XXXX ( XXXX ). respectively. I was advised by Synchrony that once everything was cleared and verified, I would then receive a final settlement letter. Late XXXX of XXXX, I received the final settlement letter from Synchrony dated XX/XX/XXXX. The letter stated that everything had been verified and account was now settled. It also stated that the credit bureaus would be updated. My account was taken care of and it sat closed with no activity from XXXX XXXX of XXXX. In XXXX of XXXX, it started showing charge off again. I disputed this through XXXX and submitted my settlement letter. They advised that Synchrony was not agreeing with their own settlement letter. I began received calls from XXXX collections. I spoke with them and provided my letter to them through email. I then received an email back saying they were seizing collection activities due to the settlement letter, and would refer the file back to Synchrony. In XX/XX/XXXX, I received letters from Synchrony notifying me that I needed to provide proof of payments. I mailed them a copy of the settlement letter ( Certified ). I spoke with them on XX/XX/XXXX and they advised that the Settlement letter they sent me, was not enough proof. I also spoke with XXXX on XX/XX/XXXX and advised them of settlement, and recent activity on my credit. They opened a new dispute with the settlement letter, and referred me here.

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 2021-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I have inquires listed on my credit file that are not mine, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX i have not applied for any loans with these companies the inquiries are from fraudulent applications remove them from my file

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 2021-03-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America has an account service called goals. You are able to transfer money from your checking or savings account into this account in order to save money for a desired goal. I transferred {$300.00} into that account and {$45.00} went missing. I called Bank of America to inquire about the missing funds and the representative told me that they had moved my money somewhere and it is no longer available. I asked the Bank of America associate to release my funds and they would not do so. I also asked to speak to a supervisor and one was not provided for me.

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 2021-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: IN

Complaint narrative:
I have attempted to contact this debt collector that is attempting to collect a debt that has not been validated with original documentation bearing my signature.I do not recall this account. The only response I have gotten is an unknown billing statement. I would like for NCA to validate the debt with the original documentation bearing my signature that I have entered an agreement with said company or remove this account from my credit report as they are reporting in error if they are not able to validate this debt with original documentation bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OR

Complaint narrative:
Mortgage servicing bank for my home loan debited my checking account for my {$2200.00} XX/XX/2020 automatic ( EFT ) mortgage payment but did not apply the payment to my loan account. Without notification or explanation, the mortgage bank then returned my XXXX mortgage payment by mailed check in XXXX of 2020. 

The mortgage bank then reported, without notification to me, to all major credit reporting agencies that my XX/XX/2020 payment was past due by over 30-Days. This resulted in a drop in my credit score of over 100-Points that is now preventing me from getting a new loan at the lowest interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am a victim of identity theft, I am writing to dispute [ a ] fraudulent charge ( s ) on my account on Us Bank, XXXX XXXX XXXX XXXX and XXXX XXXX .I am a victim of identity theft, and I did not make charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.

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 2021-03-09 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: TN

Complaint narrative:
on XX/XX/21 I sent a letter regarding Violations for unauthorized items/accounts on my consumer report. Pursuant 15 USC 1681a ( 2 ) Permissiabe Purpose of Consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I am deeply disturbed by these fraudulent acts and I am demanding these items be removed from my consumer report immediately. or I will be seeking litigation. theses fraudulent violations have caused me to go in distress and I demand they be removed promptly.

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 2021-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
Loan made under my credit I did not personally apply for

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 2021-03-09 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: NV

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX fraudulent withdrawals were made on my Bank of America ( BofA ) Nevada Unemployment Debit Card, totaling {$1900.00} I contacted BofA in order to report the fraudulent activity. They proceeded to close my account and mail me a new debit card. Upon receipt of the new card I learned that it had already been closed due to a fraud report on my account. I also received a letter from BofA dated XX/XX/XXXX which states that my fraud claim has been closed. 

Upon contacting BofA I was informed that I needed to contact my " sponsor '' ( Nevada DETR ) to verify my identity in order to reopen my account.

I contacted Nevada DETR and sent all identity validation documents necessary to reopen my account. 

My debit card account with BofA is still closed and I am unable to receive any weekly unemployment benefits ( my only income ) until the account is reactivated. BofA refuses to look into the matter, and also refuses to investigate my fraud claim or reimburse my stolen funds ( {$1900.00} XXXX. 

The funds were ALREADY on the the BofA debit card, and I believe it is their responsibility to investigate the claim in a timely manner.

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