vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CURO Intermediate Holdings
State: WI

Complaint narrative:
On XXXX XXXX received alert from XXXX XXXX of new account. After I noticed a drop in credit score I was looking for the account. The account was speedy cash an was started in XX/XX/2021. I never applied for loan or received funds. After I put freeze on my credit I contacted speedy cash. They told me a loan was taken but banking account was different. The banking information didn't match I made them aware of my bank of 14 years. They advised me to file a report with my local police. I went to my local police. They informed me I need to file a report with FTC they don't create report for identity theft. I inform speedy cash they sent me affidavit to get notarized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/XXXX I tried to log in and make a payment on my credit card. I was given an error message when I attempted to log in. It stated that the website was currently unavailable and to try again after XXXX XXXX est. I was able to make a payment the following day and subsequently called to have the late fee removed and was told late fees are not removed. I know this is false because I have had a late fee removed in XXXX of XXXX. Generally you are allowed one every calendar year. Instead of attempting to refund the late fee, supervisor XXXX XXXX employee id # XXXX XXXX argued with me stating the website was never down and that customer service is XXXX XXXX which is false. I was unable to use the pay as guest feature because I do not have a physical card, therefore I can not enter a card number. I also receive XXXX statements which do not list your full card number. You also need to log in to view said statements. Again the site was down and would not allow me to log in. I would like the {$39.00} fee for my {$42.00} payment to be removed. My account is and has been in good standing.

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 2021-05-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XXXX, in the XXXX XXXX https : XXXX XXXX XXXX XXXX, NY store XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX salesperson XXXX asked me to become a member of the store. She explained that this would result in a soft enquiry on my credit report ; after some questions she clarified that membership means a store credit card. I agreed, based on the understanding that it would not result in a hard credit enquiry. When Synchrony bank tried to confirm my identity on the phone, I asked them to confirm that it was soft credit enquiry. They confirmed it was a hard enquiry. I asked to stop the application, but Synchrony bank said the credit check has already been run at that point. 

XXXX, and her manager XXXX, confirmed that they understood the enquiry would result in a few points drop of credit score. They nevertheless called it a soft enquiry, claiming that that's what their training taught them to say.

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 2021-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: WI

Complaint narrative:
Received an email from " XXXX '' stating that I have a balance of {$7300.00} and is willing to settle for XXXX from a creditor of XXXX XXXX XXXX XXXX I have never had any dental work done, and searching the creditor shows a Kentucky business. I have only spent but a couple of hours in Kentucky at night. Email states that this is an attempt to collect a debt, but nothing about disputing the debt. I did reply same day disputing the debt ; no response has been given. I was given an account number in the email, and going to their website gives me an option to either make a payment, or to see my options. Under options, I put in the account number, as well as my own information, but their system keeps telling me that there is no matching account. Furthermore, the phone number provided in the email ( XXXX ) seems to not be a legit number XXXX XXXX XXXX XXXX ). Additionally, searching " XXXX  phone number '' gives me a phone number of XXXX, which shows a different debt collection company from XXXX. 

I have not received a letter via USPS mail, and as of the time of this complaint, have not heard back from the company. Original email is being held on to, along with my reply

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: CT

Complaint narrative:
we have been trying with BSI to do a loan mitigation. 
- They are asking for a large down payment of {$30.00} -They have being doubling our escrows -Increasing our mortgage payments by 1/3 -Not being transparent in their charges -Impossible to talk too ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The company LVNC Funding, LLC has never been able to verify or send valid information of this debt after several of my attempts over the past 2 years. The debt is {$920.00} with XXXX XXXX XXXX. 

Finally, I contacted them last week at XXXX to ask for an agreement in writing. This agreement from me was that, if I pay a certain amount, they will remove this debt that doesn't belong to me from my report. 
They told me that they no longer own the debt and that it was sold to XXXX XXXX XXXX, who I contacted at XXXX. 

I called XXXX XXXX XXXX to ask for this pay to delete letter and they stated that, they are not authorized to collect from the State of Florida, where I live. They said that they will send the debt back to LVNV Funding to collect from me. I called LVNV right back to explain this and they said " Oh well once we get the debt back, we will send you a notice ''. 

They have not proven that this debt belongs to me. I disputed twice and a credit repair company disputed once. It was been removed and replace on my XXXX and XXXX  reports under different collectors. I want this item removed for good. They keep shuffling it around to creditors who are not authorized to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: CA

Complaint narrative:
I contacted Equifax about unauthorized inquiries on my credit report and a letter stating that inquiries are a factual record of permissible reason, maybe not exactly what they stated. 
The point : The following inquiries are not tied to any accounts on my credit file and were associated with accounts under a young lady from XXXX, Miss. I was told to send a FTC report by fax which I did ands still they remain. The letter was faxed XX/XX/XXXX and was told it takes 5 business days! 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The following inquiries as the ones above were not tied to any accounts that I have on my account and I did not give anyone permission to access my credit file from these companies. Two were solicitations for a mortgage for a home which I just purchased and I declined their offer. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The following inquiry was unauthorized by me and there is no account associated with this inquiry. The date are incorrect as well since I did have an account with them in XXXX. 

XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies. 


I would like this account to be legally deleted from my credit report as i have taking the step from credit litigation against you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: MI

Complaint narrative:
This is the third bill/credit collection I have received related to XXXX XXXX. On XX/XX/21 I received a letter from Synergetic Communication Inc attempting to collect a debt for XXXX XXXX in the amount of {$480.00} ( see attachments ). This account is not mine and is related to someone who either stole my information or a hospital mis-keyed his information. You have identified and resolved this twice before. I have sent an email to XXXX and I will be faxing them today as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
RMP services keeps calling me from an auto dial with a recorded message asking me to call them. With fraud I told them stop calling me and to send me a bill though the mail. They state they will not send me anything through the mail and Im only allowed to call the number the voicemail provides. I have said calling me multiple times a day is harassing me and they dont care. Ive told them twice to stop calling and I have yet to be taken off the list for these robot auto calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
I took out a car loan from Hyundai Motor Finance in XX/XX/XXXX. My payments are automatically withdrawn from my bank account and I was assured that I was permitted to make principal-only additional payments.I made my first principal-only payment of {$200.00} on XX/XX/XXXX and noticed that it was divided into principal and interest. I called XXXX and spoke with a representative. I was told that all payments were added as principal and interest unless I called and had them redistribute to principal-only. I made a second principal-only payment on XX/XX/XXXX in the amount of {$300.00} and it was credited as {$280.00} principal and {$17.00} as interest. I called their customer service number on Friday of that week and requested the change. I was told that it would be made but would take up to 3 business days. I called again on the following Friday was was told that the change had been made ; I pointed out that according to my account it hadn't been. I was assured the error would be corrected within 3 business days. I proceeded to call each Friday for the next 4 weeks and was told that I should ignore my statement since the change had been made. I then contacted them by email at XXXX and asked for their help in correcting the error on my account. They responded to my first two emails but have not responded since. My emails were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with a final email sent on XX/XX/XXXX. As of today the issue has not been rectified. 

I have attached 2 files : 1 showing my payments and 1 containing the email I sent the company.

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 2021-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC
State: MI

Complaint narrative:
This is the third bill/credit collection I have received related to XXXX XXXX. On XX/XX/21 I received a letter from XXXX XXXX XXXX attempting to collect a debt for XXXX XXXX in the amount of {$480.00} ( see attachments ). This account is not mine and is related to someone who either stole my information or a hospital mis-keyed his information. You have identified and resolved this twice before. I have sent an email to XXXX and I will be faxing them today as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was a victim of identity theft and as a result several account have been reporting in my credit report i have try resolving this matter directly with the company providing then documentation of these fraudulent account XXXX XXXX XXXX  # XXXX 
XXXX XXXX XXXX # XXXX XX 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 2021-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Received a credit alert advising that I have a collection account from 1st Point Coll Resources, which reported on XX/XX/21. I never received any information or communication from this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
Good Morning, I need help, please. On XX/XX/XXXX, I received a letter in the mail from Freedom Mortgage stating I qualified for the Covid-19 Loan Modification. On XX/XX/XXXX I signed the form and sent it to the Loss Mitigation department as requested, On XX/XX/2021, I was sent another Covid-19 Loan Modification notifying the first one, which I did not know that until I made a phone call to get an update on the status, during this time I was still making partial payments to try to keep from going into foreclosure, the customer care rep. stated that I should continue to make the payments and that the Covid-19 Loss Modification was approved I should receive something in the mail by XX/XX/XXXX it never came. I called Freedom Mortgage spoke to XXXX. XXXX said everything was approved and to make the XXXX payment of XXXX which is the modified loan payment, however, I have not received anything in writing if I make the XXXX payment it will go towards the exiting loan. Here is XX/XX/XXXX and I still have not received anything from them nor has the loan been updated. I was told not to make any more payments towards the old loan. If I stop making the payment it will seem that I am abandoning the loan which is not the case, then they will be able to foreclose on the house once everything is lifted. I have had close communications with Freedom Mortgage, but it seems they are not working in my favor. I don't know who to speak to or where to go. I honestly believe they are trying to foreclose on the house. Can someone please tell me what to do? Thank you

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 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion, upon my signing up for an account, charged me {$26.00} for a membership. On the sign-up information, there was no clear indication that I was going to be charged or receiving my credit score would cost money. I only realized I was charged when I reviewed my bank statements. I called Transunion and they reversed the charge.

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 2021-05-24 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: CA

Complaint narrative:
I contacted Transunion recently to dispute unauthorized inquiries on my credit file. The following inquiries were for mortgage solicitation according to Transunion but they couldn't produce proof of my permission for the following creditors to access my credit file. I also stated that these inquiries were excessive from the same company in a short period of time! Also the remaining mortgage companies would not be contacted if the credo report was used since it includes all three reporting Bureaus. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX The following inquiries is unauthorized and not tied to an open accounts are closed accounts on my credit file. 

XXXX XXXXXXXX. XX/XX/XXXX The following accounts dates of inquiry are incorrect and has been changed. The XXXX XXXX was tied to an account when I moved into my current apartment in XX/XX/XXXX. 

XXXX XXXX XX/XX/XXXX These are included with the class act lawsuit currently with Transunion!

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 2021-05-24 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 Original Creditor : 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 2021-05-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TrueAccord Corp.
State: SC

Complaint narrative:
A relative of mine received an email from this company ( trueaccord.com ) indicating they were " working with XXXX XXXX '' to resolve a debt. Since this contact was made thru email, several privacy violations occurred including providing my name, personal address, account number ending, date of origination as well as date of default. I have settled this debt already and believe this company is fishing for debt that is no longer valid. I have reached out to this company with no response multiple times and informed that my personal information, including an account number created by trueaccord was provided to someone other than myself. I plan to take legal action if this issue can not be resolved. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies. 


I would like this account to be legally deleted from my credit report as i have taking the step from credit litigation against you guys.

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 2021-05-24 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies. 


I would like this account to be legally deleted from my credit report as i have taking the step from credit litigation against you guys.

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