vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN. 
ON XXXX XXXX MY A.C. WENT OUT ON US SOME I CALL XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX ( XXXX ) XXXX AND XXXX ( XXXX ) XXXX AND THEY CAME OUT THATSAME DAY AND SAID THAT THEY CAN REPLACE THE A.C THE SAME DAY AND THAT IT WOULD FINANCE BY SYNCHRONY BANK OF XXXX, FLA.XXXX  AND I TALK TO THE BANK ON THE PHONE AND THEY SAID THAT I WOULD BE PAYING ABOUT {$50.00} TO {$60.00} PER MOUTH THAT WAS OK WITH. I FINANCE THE AMOUT OF {$6200.00} OF THIS BANK AND THEY SAID THAT I WOULD GET A PAYMENT BOOK IN FER WEEKS THAT WAS OK WITH ME SO I WAITHED ABOUT 3 TO 4 WEEKS AND I DID NOT GET A PAYMENT BOOK SO I CALL XXXX AT XXXX  AND SHE SAID YOU WOUD GETTING THAT PAYMENT BOOK FROM SYCHRONY BANK SO I CALL THE BANK AT XXXX AND ITALK TO A WOMEN THAT AND SHE SAID YES YOU WILL BE GETTING THE PAYMENT BOOK IN TOW WEEKS! WILL THE PAYMENT BOOK NEVER THE PAYMENT BOOK, SO I CALL XXXX UP AT XXXX AGAIN AND SHE GAVE ME SOME PHONE NUMBERS AND THE ONLY THING THAT THESE PHONE RESULTS OF THESE CALL WAS ALL HANG UP ON ME APPROXMATELY 3 TIMESAND THE BANK PUT IN TO A COLLECTION AGENCY NAME XXXX XXXX , XXXX OF XXXX, MO. ITRY TO CALL THE BANK AND THEY JUST HANG UP ON ME I GET PEOPLE IN XXXX, XXXX, THE XXXX. SO I CALL XXXX AGAIN AT XXXX AND SHE GAVE ME ANOTHER PHONE NUMBER TO CALL CUSTOMER SERVICE AND I GOT A WOMEN NAME XXXX TALK TO HER ABOUT MY PROBLEM AND SHE SAID NOT MY DEPARTMENT AND HUNG UP ON ME. SO I CALL XXXX BACK AND SHE SAID THAT XXXX THE FINANCE OFFER AT XXXX  TALK TO THE BANK ABOUT MY ACCOUNT AND THEY TOLL HIM THEY IT WAS THERE MISTAKE ON ALL OF THE ABOVE. BUT XXXX DID NOT GAVE ME A CALL BACK AND NOT THE BANK AT ALL. XXXX SAID THE BANK IS NOT GOING TO HELP YOU WITH YOUR ACCOUNT PROBLEM AND THAT I SHOULD GET LEGAL ADVICE ABOUT MY ACCOUNT PROBLEM WITH SYNCHRONY BANK. AND BY THE WAY THE XXXX XXXX , XXXX WHAT'S {$6800.00} ABOUT {$590.00} MORE THEN WHAT I FINANCE FOR. AGAIN I NEVER GET ANY LETTER FROM THE BANK FOR I HAVE NOT MOVE FROM MY ADDRESS. THEY ALSO WRECKED MY AND MY SISTER CREDIT AT ALL CREDIT BUREAUS AND MY OWN BANK. VERY TRULY 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 monetary relief
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: AR

Complaint narrative:
Discover has been garnishing my paychecks illegally. I have a judgement that I never got serve papers for. I have contact them multiple times and they haven't done anything to settle this issues. I have encloses proof of them violating 15 USC 1692 laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Total Card, Inc.
State: CA

Complaint narrative:
I was alerted about an account with Total Visa that was opened without my knowing when they contacted me about the debt. I was the informed by the agent that the address on file was a hotel. There were payments made on the account by a person some returning and others posting linked to a XXXX XXXX. I received another call for a {$300.00} balance on XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX/XXXX XXXX ... XXXX XXXX XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have complained about this numerous times with the credit bureaus and with the company directly to no avail. This loan is past the statute of limitations for reporting on my credit report. The date of last payment and the date the account was closed was XX/XX/XXXX. Over 9 years ago! The last time it was reported was XX/XX/XXXX which is odd because they are reporting on something that was paid in full, closed and a year after the fact. This needs to be removed from my credit report immediately. 

The account number is Account Number xxxxx 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 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have complained about this numerous times with the credit bureaus and with the company directly to no avail. This loan is past the statute of limitations for reporting on my credit report. The date of last payment and the date the account was closed was XX/XX/XXXX. Over 9 years ago! The last time it was reported was XX/XX/XXXX which is odd because they are reporting on something that was paid in full, closed and a year after the fact. This needs to be removed from my credit report immediately. 

The account number is Account Number xxxxx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have complained about this numerous times with the credit bureaus and with the company directly to no avail. This loan is past the statute of limitations for reporting on my credit report. The date of last payment and the date the account was closed was XX/XX/XXXX. Over 9 years ago! The last time it was reported was XX/XX/XXXX which is odd because they are reporting on something that was paid in full, closed and a year after the fact. This needs to be removed from my credit report immediately. 

The account number is Account Number xxxxx 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 non-monetary relief
Consumer complaint received 2021-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
Dear sir or mam LoanCare XXXX XXXX mortgage continues to mis apply my payments. I have contacted the company multiple times and have submitted 2 previous complaints to the CFPB. Please referee the two following cases for specific detail on this on going issue. - XXXX XXXX My payment amount was changed due to escrow need, I changed the amount to meet was is expected. When I reviewed the payment for XXXX, it was misapplied again. Loancare was only able to process my payment correctly for three months. 
I sent a request to correct this issue once again. This error has continued to occur 10 plus times.

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 2021-03-23 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Thank you for answering my complaint No. XXXX. I understand that you believe that the information sent to the credit bureau is correct. I can't verify it because my annual credit reports don't show it. This is why I first complained. I thought that you would send me the results of your investigation with a statement and everything that you have on this account. I send you a copy of my report other two are the same way. 
Accounts are : SYNCB/BANAREPDC ( opened XX/XX/XXXX ) # XXXX SYNCB/CARE CREDIT ( opened XX/XX/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 2021-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
i submitted a dispute with Transunion its been wayyyy over 30 days still no response from Transunioin

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 2021-03-23 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: Block, Inc.
State: CO

Complaint narrative:
I had a cash app account with Square many years ago, and someone sent me a payment to it, but I have not been able to open the account. After providing copies of my id and other steps as requested, the company stopped responding to COUNTLESS emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: AL

Complaint narrative:
There is a fraud charge on my account as of XX/XX/2021 for {$7.00} from XXXX. I have called several time to get this handled. This charge is absolutely fraudulent. Way 2 Go card company is stating, they dont have reason to believe this charge is fraudulent because the information I provided doesnt add up. If one plus one dont equal two, I dont know what to tell them. I am beyond livid with the process and the service of this company. I have no reason to call in and close my card and go through all this XXXX service for XXXX dollars and XXXX XXXX cents, if it was not fraudulent. Who ever you all have as investigators they did not do their due diligence. Im a mother of XXXX and I just lost my mom and I wasted over 4 hours today alone, explaining to different representatives that this charge is not mines and I would like my money back. I called several times before and every encounter has been horrible with hours of my time wasted. The first time I called the representative told me I couldnt even flag the charge until it posted which was ridiculous. Im not sure how their process works but this all started with someone charging my account {$0.00}. and a {$15.00} and then it was supposedly refunded per the representative and I noticed the Kroger charge because representative went over the transactions. 
Overall I just want my money back. This company needs to be reported to the XXXX XXXX XXXX. There is no way Im just going to be okay with this company saying that this is my charge and I know XXXX well I didnt do this. There is not even a XXXX in my area. Basically every representative I spoke with from XXXX and XXXX both stated once the decision is made there is nothing you can do. 
So my concern is that this customer service is soo poor that just because you guys didnt do what you needed to do to protect my account Im just suppose to accept fraud on my account? I will take this to the highest extent possible to get my money back. I know they have done this to someone else and they take you through the ringer just so you want continue to fight for whats yours but I would like to have my money back and the corporate office information

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I dont know where this debt came from never got a call or letter in the mail. It just popped up on my credit report. I sent a letter stating that I looked their license up to verify if they could collect a debt in Illinois and they couldnt do it so it needed to be removed immediately. Nothing happened

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
I previously filed a complaint and the company responded to you that they gave my money back. I have not received my money nor will they tell me where it is at besides the fact they will not give it back to me. 
This all started when my phone was stolen and someone logged into my cashapp account and changed all my information over to them. I alerted the company and they stated they closed the account. Clearly the account is not closed and this person is still using it. My stimulous check went into this account after they told me it was closed and they said they would combined my old account and new account at one point, then they retracted and said my request to access my funds was not approved. 
They still will not give me any info as to where my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
My PayPal account was hacked and I submitted a dispute for the charges with both PayPal and my banking institution. According to my bank and Paypal, the dispute was resolved and funds were returned to me. Now I'm receiving a letter from XXXX XXXX XXXX XXXX stating I owe the same money that was returned to me. PayPal shows that my account was in good standing and was closed after the resolution of the dispute. I don't want this reported to my credit if PayPal says it's resolved on their end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Yes I have contacted XXXX XXXX  XXXX? XXXX XXXX XXXX? Wellsfargo? XXXX aka XXXX? XXXX XXXX? XXXX XXXX? XXXX XXXX and several others reporting activity tbats being done in my name including 4 reports to XXXX XXXX the DMV a complaint with XXXX XXXX Sheriff 's dept and my drivers license are even being used and I cant get any help nowhere.

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 2021-03-23 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: CT

Complaint narrative:
On XX/XX/XXXX and XXXX, XX/XX/XXXX, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 30 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 2021-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
I can not contact my Mortgage company, Suntrust/Truist to get the proceeds from a check my insurance company sent with my, my spouse and suntrust name as payees back from Suntrust. It means we are unable to continue to work on our property which was damaged in XXXX when Hurricane Laura devastated our town, XXXX XXXX, La, and damaged our home which is financed with Suntrust. There is no way of contacting them by phone to speak with a representative. For several days in a row, I've waited 2 hours by phone and simply had to hang up. I called at XXXX, their opening hour, and immediately go on hold for hours. I need help with finding out about the check sent to them for a signature 3 weeks ago. We are at our wits end. Is this something your agency can assist me with? If not, I simply dont know how to contact them as your calls NEVER get you to a representative that can assist you, only recordings. 

Sincerely, XXXX and 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 2021-03-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have Home equity loan ( fixed ) Shellpoint Mortgage Serving. 
It clearly states on the letter datedXX/XX/2021.That I am on a Forbearance plan. 
Loss income due to COVID-19. I Only have Social Security and Unemployment ( that may end soon ) They will not extend the Forbearance because I have Income. 
I stated I am not working and Social Security in NOT working income Income being my Social Security and Unemployment ( which may end soon ) I ask to defer my past 13 payments. They said I would need to pay off 10 payments and they will defer the 3 months. ( I do not have that kind of money ) The rep stated that the investor rules would not allowed deferment because of my Lates ( I said under the CARES act you can not count miss payments as Late ) I ask to speak to a supervisor and she said it be 24 -48 hours

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery Associates began reporting a collection debt to my credit report as of XXXX XXXX for the amount of {$450.00}. 
I sent my first written debt validation request on XXXX XXXX and my 2nd validation request on XXXX XXXX via USPS Certified mail. I recieved a response letter dated for XXXX XXXX. Their response was limited to a copy of a billing statement for the alleged original creditor. Dispite several requests for substantial proof of validation as well as 3 rounds of debt validation request and a complaint of noncompliant to XX/XX/XXXXandXX/XX/XXXX Portfolio Recovery Associates has yet to provide me with verifiable proof that I'm responsible for this debt. They have continuously ignored my requests to provide a copy of a contract with the original creditor with my written signature on it as well as my request for them to provide Agent 's names and ID numbers, proof of licensure to collect a debt in my state, proof that the debt is within the statute of limitations to be collected and evidence of how they came to the amount they say I owe. Portfolio Recovery Associates is in violation of the FCRA and has continuously violated my rights as a consumer by reporting inaccurate, unverified and derogatory information on my credit reports, effectively damaging my credit score and limiting my opportunities as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
mortgage company refuses to pay my taxes. Yes I pay them for my taxes.

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 2021-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
I did not know about the debt until it popped up on my credit report. I sent a letter stating that I dont know about the debt and also stating that I looked their license up in my state which is Illinois to see if they could collect debts legally and they werent licensed to so do I asked them to immediately remove the negative collection off of my credit report and it hasnt been done

Company response to consumer: Closed with explanation