vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-28 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: TD BANK US HOLDING COMPANY
State: VT

Complaint narrative:
I contacted the company to confirm that the account was closed. After about 1-2 weeks the account was still being posted as open on my credit report. I contacted XXXX  in order to open a dispute. My account was updated with information that the account was closed at my request, but still remains on my credit report as open. This is the case for all 3 credit bureaus. Though it is not shown on the letter, the Customer Service representative mentioned that according to their records the account was closed in XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG HOLDINGS INC
State: PA

Complaint narrative:
In XXXX XXXX I ordered a mattress from XXXX using Tempoe why not lease it. I have used this company a few times before and they always offered me an option to pay off the purchase within 90 days of delivery for 10 % fee. My bed was to be delivered in XXXX but Gotback ordered. Due to this I cancelled and went to XXXX who also would let me use my Tempoe/why not lease it credit. I got my bed and then called the Tempoe To let them know I was going to choose the 90 day payoff option. They then advise me that because mattress firm process the order in New Jersey that state does not offer a 90 day option. I explain to them that every other lease I had done always offered that 90 day option and that it makes no sense why I would not be offered that seem option when Im still being delivered in Pennsylvania I never even went to New Jersey I just placed a phone call now Im dealing with having to pay three times as much for this mattress or return the bed and lose XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Yes my complaint is with synchrony home I purchase some furniture last year in XXXX for {$5000.00} not knowing that synchrony was the financial company so I received a statement from them the next month to start making payment an I have been faithfully making before the day an I pay way more than the minimum due and its almost been a year an my balance is {$4200.00} an every month I pay almost XXXX XXXX dollars an I call them an the clerk said that the interests rate is 29 % an {$110.00} goes towards the interest that makes only {$60.00} that goes toward my payment this has me where I have to may two payment a month an right I dont have my whole household just got over the XXXX XXXX  When I spoke to someone there about it she said that the interests rate is 29 % an we cant change it I responded back an ask if the interests rate are going down why isnt it here she said that we dont lower the interests rate I responded back and ask why were in a pandemic cant the company lower the interest rate this is so wrong this is how people can never pay off thing because all of their payment is going toward interest, how can I get the company to lower there interest rate after a year all I paid toward this bill is {$700.00} an over {$1000.00} dollar has gone to interest an they can just go up on the interest rate at any given time this is so not right to consumers if this was explained to me when I was purchasing it I would have never brought it, the salesman told me my payments would be only {$75.00} a month an when I got the first bill it was {$150.00} and I paid almost XXXX a month what can be done

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 2021-02-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
On XX/XX/2015 I had no other choice but to terminate my apartment lease. It was an unsafe environment for my family, surrounded with drug dealers & thief 's. The collection company FCO collecting on behalf of XXXX XXXX XXXX is reporting inaccurate information to my credit report & attempting to collect debt that is not valid. In the debt validation response I have received from FCO it clearly shows that I signed a addendum called " Florida liquidated damages/Early termination addendum '' that maximum amount I would be charged with or without a 30 day notice is {$1000.00}. The move-out statement shows a charge for early termination of {$1400.00}, also a random charge with no explanation " rebill '' in the amount of {$400.00}.

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 2021-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Synovus Bank
State: CA

Complaint narrative:
I was unable to resolve disputes for 5 unauthorized billing errors. So, I closed my First Progress secured credit card account. My First Progress XX/XX/2021 Statement proves the account closure date without the complete refund of 5 unauthorized charges on it, which total {$120.00}. I am due a full refund of {$120.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: GA

Complaint narrative:
On XX/XX/XXXX I received a first credit card bill from XXXX XXXX Bank ( of XXXX XXXX NV for {$2400.00} ( later this mysteriously became {$2500.00} ). I NEVER OPENED AN ACCOUNT WITH XXXX  XXXX. I had been notified by XXXX that the account had been opened & I disputed having done so & requested it be blocked. XXXX shortly posted the account as " closed '' after I'd written to XXXX XXXX XX/XX/XXXX & XX/XX/XXXX. NB : The XXXX XXXX bill had been sent to the wrong address ( repeatedly?, yet delivered by a mailman who knows me ) and the acct. # seems peculiar ( 15 numbers instead of 16 etc. I've never seen a list of transactions. ) XXXX XXXX then contacted me to say the account had been " resolved '' and it continued to appear on XXXX throughout XXXX as " closed. '' I corrected the address with XXXX XXXX  but they recently informed me ( via still incorrect address ) " my account '' ( fraudulent ) had been sold to XXXX, XXXX in XXXX NC, which appeared on my XXXX XXXX account under " For Collection. '' Then I heard recently from a collection agency called Halsted Financial Services XXXX XXXX IL ) they were collecting for aforesaid XXXX XXXX. Note : I never opened an account with XXXX XXXX ; I have never heard from XXXX XXXX directly, and have contacted Halsted with no reply ( XX/XX/XXXX ). I have filed reports with the FTC and XXXX Police, placed credit freezes and alerts with the 3 credit rating companies. I have searched and found that my name & email were breached & appear with XXXX  ( XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, & Share This ( XX/XX/XXXX XXXX. BOTTOMLINE : XXXX XXXX XXXX  if now trying to collect for XXXX XXXX for {$2500.00} on a fraudulent account I never opened. HELP! Someone fraudulently opened an account with XXXX XXXX in my name XXXX Where's the application to open this account? Must've been online : wrong address, 15 numbers in a peculiar arrangement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
I've been banking with Citizens Bank since I was XXXX, and until recently, they were a great bank. The employees at the XXXX  branch were always helpful and exuded amazing customer service. The Saturday before XXXX XXXX XXXX, I received a text message from what I thought was Citizens Bank alerting me that someone had to use my debit card. I responded NO to the text and then received a call from what I thought was Citizens Bank ( they had spoofed the number ). They assured me I would be receiving a new debit card, and they would waive the fee for expediting the card to me. I did not give them any information over the phone, but they were " testing '' a new fraud protection program to ensure my account was secured. They sent text messages to my phone through a testing account called dispute transactions. A few days later, I saw four separate XXXX transfers for {$500.00}. For the record, I don't use XXXX ; I only use XXXX. Apparently, Citizens Bank did not think four separate transactions for {$500.00} were suspicious behavior and did not contact me when the transactions went through. Upon seeing this myself, I filed a fraudulent claim. I was updated by a Citizens Bank representative that it's going to be incredibly difficult to get my money back and that I should contact the Attorney General 's office. 

Not only was this {$2000.00} for rent and utilities, but also for wedding and school expenses. My fiance and I are also saving up for a house and considered financing with Citizens. Every person I've spoken to from the Citizens Bank call center has been incredibly rude, callous, and condescending when I was the victim of fraud. What's even more disconcerting is that I found an XXXX XXXX article about XXXX and consumer scams XXXX https : XXXX ). Still, yet Citizens has left me feeling like nothing can be done to recuperate money I worked incredibly hard for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Suburban Credit Corporation
State: OH

Complaint narrative:
Last summer, Suburban Credit Corporation began attempting to collect a debt I do not recognize or owe. I sought more information in XXXX XXXX XXXX, and they sent only a bill that I had never received and that in no way demonstrated that I had incurred the debt. I also told Suburban Credit Corporation by phone at that time to stop contacting me. Because this is a medical debt, I also contacted my insurance company in the summer of XXXX which told me that I have no outstanding bills and that there is nothing attached to my name that indicates I owe any money or received any treatment that was not paid for. Then in XXXX of this year, Suburban Credit Corporation again began attempting to collect the debt by mail. Contemporaneously with this complaint I am sending a letter disputing the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Kind of a deja vu. 4 or 5 years ago I closed my capitol one card because I felt they were playing games with mailed in payments to collect late fees. Last year a friend recommend I use them again and they are doing it again. You can mail in a payment 10 days before payment is due they wont post for 2 weeks. They know you are busy and don't always check your statement. Last XX/XX/XXXX I paid XXXX which I believe was my whole balance but for sure way more than minimum due. It takes them 2 weeks to post the payment which was on Wednesday XXXX. Apparently they had a due date of Friday the XXXX. So counting weekend in their book 3 days late. With this they charged me {$25.00} dollar late fee. I just saw the fee today XX/XX/XXXX. The pony express ended 150 years ago but they seem to use it for their mail payment collection. It is wrong to not consider mail date when charging late fees especially in winter and nationwide weather problems. I only found out about this when I never got my XXXX statement and they used the winter weather excuse. I asked and was refused a waiver.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
My car was totaled out in XXXX I had gap insurance and full cover insurance! I kept in contact with CREDIT ACCETANCE after my insurance company paid most of the car off and they told me that they will do the gap insurance claim! which they did and i ask them was it anything i needed to do to or pay and they said gap insurance will pay the vehicle off! -I contacted them again about XXXXwo months later and the insured me that i didnt have anythign to worry about! Well last year i got my credit report and found out they was reporting late payments on my sccount they said thwy would fix it never did and then all of a sudden i owe them XXXX dollars and i ask them where did it come from and they said they would have to transfer me to another department well they did and they said gap doesnt pay all of the car off! I went to explain to them that i was told not to worry about it ausw they will file the claim and gap would take care kf the rest and I never knew i had to pay anything else untill almost a year later! They offer me a settlement and I paid it .It is still showing negative information on my credit report serious negative! This isnt prefessional that they didnt comminicate to me exactly what was going on after each called i made to them! I need this deleted or either the negative information reporting XXXX XXXX deleted! THIS IS A MISTAKE ON THEIR END AND THEIR IS HENDERING ME. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had {$840.00} stolen from my Bank of America EDD card. After filing a claim my account was frozen and I am unable to activate the replacement. I had reached out multiple times, verified identify, had a freeze from filed yet no one seems to have any answers. I am even being denied by Bank of America to talk to the claim department even though I have a claim number.

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 2021-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I filed a complaint with CFPB case # XXXX. XXXX XXXX responded to consumer and CFPB stating that the bankruptcy had been removed. Equifax, XXXX, and XXXX all responded saying that they had verified the information with XXXX XXXX. XXXX XXXX is saying that they have not heard back from Equifax, XXXX, or XXXX  during the entire investigation process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/2020 i purchased an airline ticket and when I received my Booking information, i noticed the Agent had an error. I immediately contacted the merchant and informed them of the error they had made. I also contacted the credit card company I used to purchase the airline ticket. 

It took seven months before the merchant ( XXXX ) to pay back my credit card. During that time period the Credit Card company keep sending me payment statements for a error the merchant had made. I contacted the Credit Card company ( Barclays ) XXXX XXXX credit card explaining the merchant must refund the credit card back, and that I should not be responsible for the error of the merchant. 

It took seven months before the merchant paid the amount in full. I contacted Barclays XXXX XXXX and ask them to remove the Fees and Interest rates that occurred on my account, due to an error the merchant made. I the customer should not be reliable to pay for the mistake of the merchant ( XXXX ). I request the late interest and fees be waive from my 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 2021-02-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
Ad Astra Recovery at XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX has been sending me collection notices in the amount of XXXX. The collection has been report as pasted due balance. I do no know this company. I have never done any business with this company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
Ad Astra Recovery at XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX has been sending me collection notices in the amount of XXXX. The collection has been report as pasted due balance. I do no know this company. I have never done any business with this company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
After pulling my credit report, I found inquires that were not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-28 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: EOS Holdings, Inc.
State: NY

Complaint narrative:
This account was paid in full in XX/XX/XXXX, proof provided by a paid in full letter dated XX/XX/XXXX. A new account has been opened as of XX/XX/XXXX, after verification of the account being paid in full. The account was paid again in XX/XX/XXXX, after the company refused to acknowledge the account had been paid since XX/XX/XXXX. I was put back into collections without prior notice 2 weeks after opening the new account. Now the company is still reporting that I owe the balance that was paid in XX/XX/XXXX. This account needs to be reported as paid in full or it must be removed from my reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Capio Partners LLC has submitted a debt to all major credit bureaus in a amount {$850.00}. The same debt amount & account provided by XXXX XXXX XXXX showed on my credit already. I do not owe this debt or have business with these companies. I have made numerous attempts to have this falsified information removed. XXXX XXXX XXXX has not provided the date of service, who provided & what service was done, doctors name under the FCRA. Without this information being provided, its a 609 fair credit report act violation. Both accounts needs to be removed from my credit report immediately. Also, this falls under double jeopardy law. I have provided an image with debt being claimed by both companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
After pulling my credit report, I found inquires that were not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
After pulling my credit report, I found inquires that were not authorized : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. There was never any problem, but this happened out of nowhere which really effects me negatively. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: CT

Complaint narrative:
XX/XX/2021 Professional Debt Mediation, has placed two ( 2 ) accounts on my report and they are duplicates with different amounts and false amounts. Inaccurate information is being reported on my credit report from this co.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation