vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Please, see letter below I'm sending for XXXX time to Synchrony Bank XXXX XXXX, FL XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Synchrony threat letters without assigned case number To Whom It May Concern : Dear EXTORTIONISTS FROM SYNCHRONY BANK =. 

I have provided your lousy trained company personnel with dispute letter explaining chronology of events between your XXXXXXXX junk selling company QVC and yourself and yet you are threatening me with alleged balance due that I dont OWE you since XX/XX/XXXX I have returned junk from QVC to QVC  XXXX XX/XX/XXXX ( see attached proof ) and spoke with both QVC  XXXX and your company XXXX  on XX/XX/XXXX and was assured that all charges including your GREEDY finance charges were removed. 

I just got another letter from you that somehow you are not satisfied with your own XXXX  resolve and will now attempt to EXTORT money from anyway. 

Your company is a menace on United States body of business and individuals. You should not perform any business on this land and just close the doors and go away where CRIMINAL EXTORTION is legal. Your lack of business ethics is astonishing. You are making us customers to hold your business affairs as your employees are not educated enough to make research and keep records. Shame on you. 

Please, remove all charges against my name associated with QVC  purchase and return of their junk  sold on their site. 
You are committing EXTORTION against lawful Citizen and that is ILLIGAL in our country. 

XXXX XXXX XXXX : CFPB

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 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
From XX/XX/2022, until XX/XX/2022, I have been trying to unfreeze, my credit, and update my name, which has been legally changed, in a US Court. Equifax XXXX. has repeatedly lost my documents, put me on hold, for hours, at a time, refused to send, my call to the appropriate department, and lastly claims that I haven't gone through identity verification, when I have. It, all, seems to be a game, over, something, very, simple. I have a state ID, proof of social, proof of address, and a judge 's order. Equifax refuses to receive the judge 's order, as proof of, my legal name change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
Countless times, XX/XX/XXXX - XX/XX/XXXX I have reached out to the original creditor ( Speedy Cash XXXX XXXX ), which now Ad Astra Recovery SE is now the collection agency. I notified both companies in writing that I am a victim of identity theft, and requested that they close the unauthorized account, remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files, XXXX, XXXX, and XXXX. I have contacted FTC Identity Theft Report to report this. I have both companies to send me a letter explaining their findings, and that I am disputing the fraudulent charges. I have mailed so many letters, yet, no response. The amount is {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/XXXX I tried to use my USBank XXXX card, only to discover that it was cancelled. During a conversation with the US Bank representative, it was explained to me that there was a request to cancel the card due to allegedly our move to Texas from Minnesota and a new card was requested to an address in Texas. According to the representative, the request was placed on XX/XX/2022. We, obviously, did not move anywhere. The information given to the US Bank was fraudulent. We were never contacted by USBank and, according to the representative, a new card was issued and sent to the Texas address. The representative would not give us the Texas address. We requested to immediately cancel the fraudulent card and notify us and verify with us, in case any address changes or any other changes on our credit account are done by anybody in the future. We have not received our XXXX statement, so we do not know if any fraudulent charges have been made in our name.

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 2022-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
This past fall I received multiple emails from Fedloan Servicing that I had to re-certify my Income Driven Repayment plan or I risked falling out of good standing for my loan repayments ( even though there continues to be a student loan deferment/forbearance for all student loans due to COVID-related executive orders of the XXXX XXXX  XXXX Administrations XXXX. After multiple reminders, I did what my Fedloan Servicing instructed and resubmitted my information. I have now learned that this is not true, and that per the Executive Order, my payments should return to their pre-COVID levels. By recertifying my payments, due to incorrect warnings from Fedloan, my payments will increase substantially when they are restarted in the coming weeks. As such, I am reaching out to your organization to contact Fedloan Servicing and inform them that their incorrect guidance/warnings violated the Executive Orders of both the XXXX XXXX XXXX Administrations which dictate a return to pre-COVID payments following the end of the forbearance. Fedloan Servicing is unwilling to re-evaluate my loan payments based on this new information. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: OH

Complaint narrative:
Last year in 2021, XXXX Equifax removed a XXXX Bank account from my credit report that was proven inaccurate reporting. I recently checked my credit report and notice the account got reinstated which is in violation of my consumer rights under the FCRA 15 USC 1681i. I request that this account be blocked and removed immediately per violation of 15 USC 1681c-2 ( A ). Equifax is in complete violation of my rights as a consumer under the FCRA and I am seeking immediate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: FL

Complaint narrative:
On or about XX/XX/XXXX, CREDIT CONTROL CORP issued notice to the credit bureaus indicating I owe {$270.00}. 

On XX/XX/XXXX, I contacted CREDIT CONTROL CORP and spoke with Representative XXXX XXXX who confirmed the date of birth and name on their account records did not match the information I confirmed over the phone. The debt was incorrectly issued to my record. I was informed the record would be corrected, and the credit bureau records would be updated accordingly. 

On XX/XX/XXXX, XXXX issued another notification to me which indicated the CREDIT CONTROL CORP balance for {$270.00} remained on my credit report, and further stated the status of the debt was " seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department. '' The debt was incorrectly issued to my record. 

On XX/XX/XXXX, I contacted CREDIT CONTROL CORP again, and spoke with Representative XXXX, who, again, confirmed the date of birth and the name on the account did not match the information I provided over the phone. XXXX informed the matter would be escalated for resolution. In the interim, the incorrectly issued debt remains on my record. 

On XX/XX/XXXX, XXXX called me and requested I email a copy of my driver 's license to CREDIT CONTROL CORP. XXXXXXXX admitted CREDIT CONTROL CORP already had my social security number. I shared with XXXX that I had concerns with emailing my personally identifiable information via email due to a prior data spill and breach. 

I do not have any record or recollection of visiting CREDIT CONTROL CORP or affiliates for any services in person, via phone, or internet. I also do not have any record of providing CREDIT CONTROL CORP with my social security number at any time. 

CREDIT CONTROL CORP delays in expeditiously removing the incorrect information on my credit report has negatively impacted my ability to obtain goods and services where credit is required.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with fraud alerts or security freezes — 
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
XX/XX/2022 XXXX XXXX sent me information about a couple in XXXX XXXX FL. 
I have a lot of information on them now as this company screwed up again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: MO

Complaint narrative:
BSI Financial paid my taxes before they were due and now are requiring me to pay them thru escrow. My mortgage clearly states that escrow is waived. this has resulted in my payments not being applied and late charges incurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: MA

Complaint narrative:
I requested that my payment plan and monthly payment amount be returned to what it was before the XXXX forbearance period. I was harassed by continuous email reminders to re-certify my income for IDR plan even though I later found out that this was not required during the XXXX forbearance period. I submitted an IDR income re-certification, and now my payment plan is {$100.00} more than before the XXXX forbearance period and they applied one more month of administrative forbearance to my loans, which adversely affects the number of eligible payments that will count toward PLSF. I feel cheated by FedLoan and their inability to promptly respond to correspondence. In addition, more than three months have gone by since I requested that FedLoan return the payment I made in the beginning of the XXXX forbearance period. I have yet to receive any correspondence acknowledging the request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I think the loan was overpaid. I can not access the statement to see and haven't received a check for the overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I tried to get the free annual credit report from all XXXX agencies yet was told I could only get XXXX scores, that credit scores were no longer given out unless I purchased : TransUnion : Purchase Your One-time Credit Score What You Need to Know : There are various types of credit scores, and lenders use a variety of different types of credit scores to make lending decisions. The credit score you receive is based on the VantageScore 3.0 model and may not be the credit score model used by your lender. Purchase a credit score for {$0.00} ( plus tax where applicable ) by clicking above. 

XXXX : I had to request it via contact XXXX : no credit score offered unless I purchased Isnt the law set up so I can obtain my credit scores one time per year for free? 
Please investigate. 

thanks, 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 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I tried to get the free annual credit report from all XXXX agencies yet was told I could only get XXXX scores, that credit scores were no longer given out unless I purchased : XXXX : Purchase Your One-time Credit Score What You Need to Know : There are various types of credit scores, and lenders use a variety of different types of credit scores to make lending decisions. The credit score you receive is based on the VantageScore 3.0 model and may not be the credit score model used by your lender. Purchase a credit score for {$0.00} ( plus tax where applicable ) by clicking above. 

Experian : I had to request it via contact XXXX : no credit score offered unless I purchased Isnt the law set up so I can obtain my credit scores one time per year for free? 
Please investigate. 

thanks, 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 2022-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Gotmortgage.com
State: CA

Complaint narrative:
I asked for us to get locked in on 4. % Rate the day we did application also they needed money for appraisal I sended it and now they won't send me a copy I asked several times and I got yes tonight ill send it and yes and they never did I called the number on paperwork all disconnected XXXX XXXX XXXX on web for Lending 3 Inc also paper work I signed same number don't work I spoke with XXXX XXXX and she is answer phone once and ignores her number is XXXX XXXX XXXX XXXXplease help me get what I paid for and what ever else I'm intitled to for this company causing me anguish thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: NY

Complaint narrative:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIRST ADVANTAGE CORPORATION
State: CA

Complaint narrative:
I have reached out to the team at Vitalchek to procure a certified copy of my birth certificate. I supplied them with the requested Driver 's License documentation in order to process my request. 

I placed the order using the name that matches the name on my Driver 's License and the name that matches the credit card that was used to place the birth certificate request. 

Since then, I have been bombarded with non-stop interrogations by Vitalchek 's Customer Service team regarding a name variation on my birth certificate. 

The name that I currently use is the same name that I have used from elementary school through college. The name that I currently use is consistent with the name that is on my social security transcript and consistent with my passport identification. 

Vitalchek should not be used as an extension of any local or state agency 's records processing team -- Their order processing team is dismissive and abusive to the public, at large.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: NY

Complaint narrative:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-03-18 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: NY

Complaint narrative:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
My insurance XXXX XXXX XXXX recently paid off my medical bills on a 3 way call with the creditors. They was informed by my insurance company that they wasnt supposed to bill me because I have Medicaid and we was told on the phone call it would be removed in 30 days after it was paid. I have disputed these claims multiple times and it either comes back accurate or verified. This is becoming a issue on my credit report I was never supposed to been billed in the first place.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: AP

Complaint narrative:
I paid a deposit of {$450.00} to a company called XXXX XXXX for a trip on XX/XX/XXXX. The trip did not happen due to Covid 19 travel restrictions and was cancelled by XXXX XXXX around XXXX of XXXX. XXXX XXXX did not return my deposit and they did not offer an immediate refund. XXXX XXXX did say that after 1 year they would return my money to me. 1-year passed and they did not return the money. I reached out to XXXX XXXX and they instructed me to file a claim with my credit card company XXXX American Express ). American express informed me that the timeframe within which I could file a claim had passed. American Express concluded that they would not be able to reimburse me the deposit to XXXX XXXX. In XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NJ

Complaint narrative:
Taxes not being paid on time through escrow. All my payments are on time. Received a delinquent notice on XX/XX/XXXX for taxes due XX/XX/XXXX and contacted company. Sent a copy to them and said it will be taken care in 5 business days. Received a XXXX delinquent notice and have contacted company every 5 days only to be told to call back in another 5 days. Also promised call back from supervisor but never heard anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: TX

Complaint narrative:
Countless times, XX/XX/XXXX - XX/XX/XXXX I have reached out to the original creditor ( XXXX XXXX XXXX XXXX ), which now XXXX XXXXXXXX XXXX XXXX is now the collection agency. I notified both companies in writing that I am a victim of identity theft, and requested that they close the unauthorized account, remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files, XXXX, XXXX, and Equifax. I have contacted FTC Identity Theft Report to report this. I have both companies to send me a letter explaining their findings, and that I am disputing the fraudulent charges. I have mailed so many letters, yet, no response. The amount is {$1700.00}.

Company response to consumer: Closed with explanation