vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Synovus Bank
State: NV

Complaint narrative:
Synovus Bank took {$220.00} for pre paid debit card. on XX/XX/XXXX, XXXX XXXX XXXX took the money and same day mail me a letter on XXXX XXXX then mail me a letter stating they need make sure it me and ask for copy of my drivers license. Utility. 
They took the money I paid extra to expedite the card. This company is nothing but a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
I was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. The collection never shouldve been on my report to begin with as the bill was mailed to the wrong address. Please help me get this resolved. I have tried disputing it with the credit bureaus but it still remains. I am trying to get a home loan and this negative mark is drastically effecting my ability to get the best rates. Please help me resolve this issue as it should not have been on my report to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I obtained a interest free loan with Synchrony Bank to finance the purchase of a home HVAC unit in the spring of XXXX. I received paperwork that detailed the amount due per month on a 12 month agreement. During the pandemic in XX/XX/XXXX i noticed that monthly payments were still being deducted from my bank account and I called Synchrony.They told me the 12 month period was completed and after 12 months I owed @ {$1400.00} but now they tacked on this incredible interest of {$3400.00}. They did not notify me at 12 months to settle any outstanding due but just slapped this big interest due on the account. I am XXXX years old and the Covid pandemic was very challenging. I paid the amount due but I don't think they acted fairly.

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 2021-06-10 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: LA

Complaint narrative:
i filed a dispute its been well over 30 days and i have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
XX/XX/XXXX I contacted XXXX  to dispute the dates on collection account. They replied XX/XX/XXXX, after 30 days and stated they meet FCRA requirements. I contacted XXXX on XX/XX/XXXX, and the representative stated " I don't have verification of your account the collection agency and send us proof ''. He stated they got my information from National Credit Adjusters. He also stated, XXXX is not violating my rights by not showing me validated proof of the account. The XXXX representative refused to remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Pay Pal Credit refuses to close my paid off account. Representative lied and said my account was closed. It clearly is not. Multiple fraudulent charges on my Pay Pal Credit. It is not a safe way to pay. There is no Paypal protection!! When i attempted to close my account, Synchrony bank immediately cancelled all of my credit cards. They closed XXXX XXXX. XXXX, XXXX, and many more for no reason. My credit score dropped. I also beleive Paypal has internal employees stealing from consumers. Truly astonishing!!

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 2021-06-10 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: TX

Complaint narrative:
I mailed all three credit bureaus XX/XX/2021, to verify there reporting on my credit report and they failed to do so. They had 30 days to reply are delete the reports by law. They are in Violated of 15 usc 1681b.

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 2021-06-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: CO

Complaint narrative:
To Whom it May Concern : On XX/XX/2021 I withdrew my exact payoff amount of {$23000.00}. I opened an account with US Bank to pay off my lease through US bank. I did this hoping to make the process as smooth and easy as possible. I called the bank several times before to verify I was sending them the correct documentation. 

US BANK told me numerous times over the phone that if I overnight the check and documents, they would send it back with my title within 24 hours. On XX/XX/2021 at XXXX XXXX my check for {$23000.00} along with proper documentation was sent to US BANK. My check and documentation was received on XX/XX/2021 at XXXX XXXX. 

It is now XX/XX/2021 almost a MONTH later and I still have not received my title. I spoke to yet another representative who told me, " I have devastating news, your title has still not been sent out. '' From the utter confusion that these customer service reps have, to not receiving a manager call back, and waiting over a month for a title when I was told several times I would get it within 24 business hours ; this is utterly ridiculous and predatory towards the consumer.

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 2021-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: TN

Complaint narrative:
XXXX XXXX called to say modification for me any my husband was denied. 
She was very rude, disrespectful and unprofessional during our conversation. 
She said she still haven't gotten all the docs needed to complete the modification. 
I sent the letter requesting the docs and submitted them. She said they were not current. I told her they are the most current I had because my wife is no longer working, because Mr. XXXX had an recent XXXX XXXX. She said Mr. XXXX should have thought about this when they were behind, and this was no concern of hers. I have sent all requested papers but XXXX XXXX refuses to help us. Our income has changed and my wife vehicle is paid off. She has told me a lot of timesshe is not going to look at the paper work we send her. I no longer wanted to finish the conversation because I knew it wasn't going to get any better and she was talking to me rude. I want the conversation pulled to show that she was disrespectful and unwilling to assist. I remained calm ended the call

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: FL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: CA

Complaint narrative:
There are a couple of accounts that do not belong to me on my credit reports. Please remove them.

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 2021-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2021 my bank paid a overdraft of {$1200.00} for a rental car but on XXXX XXXX the decline my rent payment of {$1300.00} so with all my overdraft fees I currently owes the bank {$1600.00}. I tried to get them to reverse the payment to XXXX XXXX XXXX. They refused and told me the only way they would then I would have to deny authorizing the payment. I told them I wouldn't so they said then I couldn't. When I'm trying to get essential bills paid or cash. The bank tells me I ONLY have a limit of {$250.00} yet they pick and chose for me. What debt they will pay I think it's VERY unfair to my bank to tell me. Who they think I should accummulate a debt with if I had my choice it will always where I lay my head. They done this before to me and I was shocked to find out in XXXX that they paid XXXX when I called to pay the company. And the company information me my bank paid them. As a customer who is expected to pay them back again I'm full. I think I should have some say in who I am paying back. Up to this point I was in good standing with my bank. But I will not be bullied into paying something because they say I got that rental car I could of made payments. Until I brought that current rent you either pay or you get charged late fees, court fees and possibly evicted and that's what I'm dealing with right now. And if I must pay them and they are allowing a excessive amount overdrafts. Then I want the rent include if not the XXXX payment removed. So I'm being told who will decided which payment they will pay for me and I have no say so plus I requested them days before XXXX. Got paid to stop the payment like they did the rent payment. And they paid anyway and then told me it takes days but here 's the quicker I never asked them to pay them before when the funds wasn't available. And they were limiting me to a only a {$250.00} limit and they say it's the system. I'm very upset and I don't think this fair I feel like I'm dealing with the XXXX  and XXXX  banking.

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 2021-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
Sequium ( XXXX ) added an account to my credit that does not belong to me. I never received any notice, letter, or contact from this company and never heard of them until I checked XXXX XXXX. When I call Sequium ( XXXXl ) ( FOCUS RECEIVABLES MANAGEMENT ) no one answers and the voicemail is full. I have sent several emails that go unanswered. I have never had a XXXX XXXX XXXX account. This account does not belong to me. I sent Sequium ( XXXX  ) a letter to dispute XX/XX/2020, got no response. As of today, no reply has been received. Sequium ( XXXX ) first broke the law by failing to provide any notice before it was added to my credit. Sequium ( XXXX ) continued collection activity after I contacted them by verifying the item with all three major bureaus while ignoring my request for verification. This is wrong and illegal ; Sequium ( XXXX ) has no signed contract, no audio recording, no e-signature, nothing to verify this is mine because it is not my account. I do not even know the address where the service is located because no one responds. Also. I am a former XXXX XXXX XXXX employee, but I have never had the service. The phone number listed for the company does not work. The voicemail has been full for months. Per the last communication this was to be removed from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: ID

Complaint narrative:
I have had my XXXX XXXX payments switched to a us bank relicard debt card since we are closing our XXXX XXXX account where the XXXX XXXX payments used to be deposited. The XXXX XXXX account was closed so I had a refund ( {$180.00} ) from a dentist office sent to my new relicard. The us bank then froze my account, not allowing me to use my XXXX XXXX because they claimed no deposits can be applied to the relicard unless government funded. They also claimed those instructions where on the form that was sent with my relicard and i should have been notified of this. I have the form in front of me and can send a copy that does NOT state this anywhere. They have froze my XXXX XXXX account because I can not supply a receipt of an over the phone deposit from the dentist office. This is my money and I need access to 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 2021-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: ID

Complaint narrative:
This company contacted my daughter, ex-husband, current employer, current husband with threats. The loan was taken out XX/XX/2018. They have now delivered papers to my employer that I have not seen because we are out for summer. When I called and asked about the loan and information, The representative told me good luck in court, and hung up on me. I have not seen any court paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
Attempting to collect debt on an account that the statute of limitations has passed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: MI

Complaint narrative:
//XXXX - I GOT A POLICE REPORT FOR IDENTITY THEFT FILED A IDENITY THEFT CLAIM ON XXXX FROZEN, BLOCK THIRD PARTY COMPANYS. UPLOATED DOCUMENTS ONLINE/ XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have this accounts that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft 12 CAPITAL ONE NA Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10 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: CA

Complaint narrative:
My husband and I were affected by COVID these from XXXX through XXXX. I was charged late fees on XX/XX/XXXX for {$38.00} XXXX, XX/XX/XXXX {$40.00}, and XX/XX/XXXX for {$40.00}. I asked the credit card company, Capital One credit card to refund me due to the Covid hardship I spoke with XXXX and XXXX a senior account supervisor and she could not help and could not refund it. She said I should have called when my husband was ill. I find this to be bad business and not true to their website. Their website states that they can help with financial issues during COVID. I found their supervisors to not be helpful at all. They said I should have made a call even though he was sick. I could not make a call during that time. I could not, I had a sick husband and a special needs kid. They said it was my fault for not calling. I find that to be bad service and a pandemic is a unique, difficult situation. I was caring for my husband and focused on his husband 's life, not calling the credit card company. It is also a financial burden. 

Can you please help to reverse my late fees? 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I sent a fax on XX/XX/2021 and received no response.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
My daughter purchased a vehicle through GM Financial in XXXX on her own and it was repo. in XXXX. 
Her vehicle us showing up on my credit reoort within my bankruptcy and I never had an account with GM Financial. 
They fraudulently repo. car with up to date payments on it, and refused to give her the car back. 
None the less it was my daughter car not mine. 
GM Financial also resold the car for what was owed, and they keep popping up on my daughter credit, she keep having them remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
During the pandemic in 2020 our mortgage servicer, Mr. Cooper, offered us forbearance which we gladly accepted since we lost our XXXX  and I lost my job, leaving us both out of work. 
We have since gotten another XXXX going and I am now working. Our mortgage servicer is now saying we have to pay the entire balance of unpaid payments in one lump sum payment ( {$18000.00} ) or we are going to lose our house to short sale or deed in lieu. They told us they can't do a loan modification to spread out our payments.

I overnighted them a financial hardship letter explaining our situation, sent them a letter explaining our situation, spoke to several different reps explaining our situation and their response is attached to this complaint. 
I was under the impression, based on the information on your website, that mortgage servicers are not allowed to do this. Please help. We are now in a position to pay our mortgage no problem but simply do not have the almost twenty thousand dollars they said would be able to be spread out to be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: GA

Complaint narrative:
I submitted my letters to the credit bureaus to investigate charged off accounts that are not my accounts as well as another persons information listed as mine. I have submitted and asked for deletion of that information and have not received a response nor deletions in the timeframe allotted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: FL

Complaint narrative:
Hi, I hope you are doing great! 

I do not recognize accounts in my credit report. Please take a look and let me know what to do with them. I file a report and I hope that this situation will be resolved shortly. These items killed my score and all my XXXX  activities just stopped. Its not fair and I asking for your help here to tell me what to do and how I can remove these fake accounts from my credit report. I am obviously victim of identity theft.

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