vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
My husband passed away and Citizens bank began charging really high fees for an overdraft count and did not notify me of the overdraft charges. I asked them to remove the charges nd close the account. They would only remove 2 which is not fair to me. I did not know it was negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Their website does not work, there is no phone number to call, and I haven't received a paper statement. 

Care Credit  Synchrony Bank

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 2021-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Around XX/XX/XXXX Capital one denied me a consumer credit transaction through the dealer XXXX. I applied for the transaction after I found a XXXX XXXX XXXX XXXX  I liked. They stated I had no credit information and said their information was based whole or in post on my consumer report. They also failed to provide a numberical number. I received no specific answers as to why I was denied my right to defer debt, other than that consumer reporting agencies couldn't report on me. I didn't get a telephone number for Capital One. Just a return address. Consumer reporting agencies can't possibly report on my credit as a natural person since I have never written for them to do so. Let alone accurately or with privacy. Capital One used my social for a completed application for credit. I sold them my credit, I received nothing from it, and they got paid using it. As a natural person with an open ended credit plan, my rights were violated and I was denied a vehicle for personal use.

15USC 1602i- defines consumer. Being I am a natural person I am also the consumer.

15 USC 1602f- defines credit as a RIGHT to defer debt or payment. I was denied my RIGHT.

But Capital one still used my credit card as defined in 15 USC 1602l.

12 CFR 1002.2C ( 1 ) ( i )- I received adverse action without a counteroffer.

15 USC 1681m ( 2 ) ( a ) - I never received a numerical credit score and this says it must be provided if you use it to in while or part to make a decision. As Capital One says they did.

Capital One is a financial institution ( 15 USC 1681a ( t ). They're supposed to hold accounts belonging to consumers ( natural person ) which is what I am.

Was my credit card used to open an account under my open ended plan without my benefit?

According to 15 USC 1602p the consumer must get a benefit from a credit transaction. I received no benefit after usage of my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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:
I received my credit report to find that things were put on my report that  was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: GA

Complaint narrative:
I. XXXX XXXX XXXX am a victim of identity theft. There are fraudulent accounts on my profile that need to be removed 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 explanation
Consumer complaint received 2021-09-21 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: IL

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
Since XXXX XXXX Sunrise Credit Service , Inc has been harassing and demanding i pay a debt every day since then they have been calling me every morning or throughout my day. The last call i received was XX/XX/2021.

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 2021-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EMCC Holdings, LLC
State: TX

Complaint narrative:
I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Unfair or deceptive acts by businesses : PNC bank gave me a PPP loan around XX/XX/XXXX, after requesting for and reviewing all the loan application documents they wanted from me.. The gave me a loan of {$100000.00}, which was supposed to be forgiven if it was used for the intended purposes. I used the loan for its intended purposes. In XXXX XXXX, they informed me that based on those very same documents with which they had approved the loan, they now felt they had given me too much money and demanded I pay back over {$11000.00}. They stated they would only forgive about {$88000.00} and not the full {$100000.00} as I had been led to believe. At first, I thought that they had made a error in calculating the appropriate loan amount, but now I do not believe that. How could it be error? They had all the supporting documents and sufficient time to make a determination on how much of a loan to give to customers like me. 

Business conduct that causes or is likely to cause injury to consumers : this conduct by PNC bank has hurt my business because I now have to find over {$11000.00} to pay back a loan which, as I have stated to them multiple times, I should not, and do not owe. 

Business conduct that will mislead or is likely to mislead consumers : PNC bank is misleading customers like me for their own financial again. They knew very well exactly what amount of XXXX loan I was entitled to, based on the documents that they had me send in to them. They were well able to calculate the proper loan amount. Yet, they gave me a loan o {$100000.00}, and then a year later, told me that they should have given me only around {$88000.00} based on those same documents that I had submitted to them. They have done this so that I will be forced to repay a portion of the loan with interest to PNC bank, and the interest constitutes monetary gain to PNC bank. So, they have pulled a bait and switch- given me more loan than they feel I am qualified for, with the goal of collecting interest in the unforgiven portion on the loan, and with the intent of profiting the bank by so doing. This is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
emails are sent saying payment is not current and more interest is added before next payment .most recent email past week or so. contacted fdic about company and was directed to this number as the company is not a member if XXXX  when i thought all credit companies were supposed to protect funds especially during pandemic times. i dont feel like naming this company online yet because i have also tried to contact other legal services in my state. i have still paid a payment every month even with the pandemic and dont see any balance change. i also received a letter in the regular postal mail that said they are not accepting written documents for communication purposes. this was received this week in XXXX XXXX something is very wrong with this i can send a copy of that letter if necessary. i cant resolve this issue by telephone only! please refer me as nessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
I AM A NATURAL PERSON AND I AM A VICTIM OF IDENTITY THEFT, FAIR COLLECTION & OUTSOURCING HAS OBTAINED MY INFORMATION ILLEGALLY AND HAS BEEN COMMITTING FRAUD USING MY PERSONAL NON PUBLIC INFORMATION. I AM AWARE AND HAVE PROOF THAT THIS COMPANY ILLEGALLY OBTAINED MY INFORMATION FROM XXXX XXXX XXXX HAVE SENT THIS COMPANY SEVERAL CORRESPONDENCEDEMANDING THAT THEY EITHER VALIDATE THIS ALLEGED DEBT OR CEASE & DESIST WITH ALL COLLECTION ACTIVITIES.

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 2021-09-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
On XX/XX/2021 I ( XXXX XXXX ) leased a new XXXX XXXX XXXX from XXXX XXXX in XXXX, FL. The Finance company is Southeast Toyota Finance.

The first payment needed to be made after the invoice was received then the auto pay could be set up. 
We sent the first payment on XX/XX/2021, It was received and cashed on XX/XX/2021. 
I then set up autopay to start for the remainder of the lease payments commencing on XX/XX/2021. 
I started receiving phone calls from Southeast Toyota Finance as of XX/XX/2021 saying they had not received our payment and we needed to submit asap. 
After 22 phone calls between 2 phones, speaking with 6 representatives who said they would rectify after I had the bank fax the proof to them, nothing. The calls keep persisting multiple times a day. No one there is taking care of and now it is on our credit bureau report. I need help since they seem to be incompetent and this is effecting my life daily. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: GA

Complaint narrative:
I. XXXX XXXX XXXX am a victim of identity theft. There are fraudulent accounts on my profile that need to be removed 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 explanation
Consumer complaint received 2021-09-21 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: GA

Complaint narrative:
I. XXXX XXXX XXXX am a victim of identity theft. There are fraudulent accounts on my profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
In XX/XX/2021, I filed for bankruptcy but specifically did NOT include open accounts TD/Target or XXXX  because they did not have balances. Recently, I checked my credit reports and see that both of the accounts are Closed and have derogatory comments stating that they were included in the bankruptcy. This is not accurate and has had a very negative effect on my credit scores. I have attached a list that I received from my lawyer of the accounts that were included in the bankruptcy. As you will see, TD/Target and XXXXXXXX are not listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: CA

Complaint narrative:
This debt is not mine please send proof of me signing for this alleged debt, This debt is hindering me from getting employment and housing during this pandemic

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: WV

Complaint narrative:
Good Day. I am writing to have the items listed with my report deleted deleted from my credit profile. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I went to a wells fargo in XXXX, pa. I have 2 accounts there with substantial money in both accounts. I gave manager my valid license and she refused to cash a XXXX wells fargo check, my check. I had credit cards, medicare card, XXXX XXXX XXXX with me and she said no cash. She said the only way to cash my check is only with wells fargo debit card, which I do not have or want. I was a long term customer of wells fargo for decades. I filed 3 complaints with this psycho woman and they took her side. I need help with this matter.

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 2021-09-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: AZ

Complaint narrative:
I received an initial communications letter from XXXX XXXX XXXX XXXX on Monday XX/XX/2021 stating they are trying to collect a debt that I do NOT recognize. On XX/XX/2021, well within 30 days after receiving their letter, I sent them a letter to the stated correspondence address disputing the validity of the debt and requested validation of the debt. The letter was sent via USPS Certified Mail with Return Receipt and was signed for on XX/XX/2021. On XX/XX/2021 I sent them a follow-up letter notifying that they have failed to validate the referenced debt and that they are still reporting the account as valid in violation of the FDCPA. Again the letter was sent via USPS Certified Mail with Return Receipt and was signed for on XX/XX/2021. The collections account has been continuously reported and is still currently, credit report shows the account was updated XX/XX/2021, being reported on my credit reports as a valid collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
Financial Credit Network updated my credit report negatively and reported as an open collection on XXXX/XXXX/2021 when I had a Chapter XXXX discharged approved and reported on XX/XX/2021. 
This agency was included in the notice to creditors. Once I was alerted the discharged debt was updated as open collections I used their website requesting immediate correction and attached the notice to creditors which listed the agency and debt along with the order for discharge. Financial Credit Network did not respond to me or correct my credit report. 
I had to file a dispute with XXXX to have the account removed. 
I again had to provide proof to get this corrected. This is harassment, collection is court ordered to stop. Updating consumer files incorrectly should have consequences for the agency. 
Consumers should be given more control or negotiation powers before affecting their credit. 
This agency acted in an inappropriate and dishonest manner, I have proof of service regarding bankruptcy filling. Consumers are not given any information before information is added to their credit files. My daughter 's name is listed on my credit file as an alias along with many misspellings of my name. Neither myself nor my daughter have ever used each other name. I have also never misspelled my own name, it is not appropriate to list alias when the people using different versions of my name are companies who pay for consumer lists creating unsolicited junk mail delivered to my home and soon after I have a new alias listed on my credit file.

Filling bankruptcy significantly harms my credit profile, having an open collection post days after a discharge is devastating. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bonneville Billing and Collections
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Alleged Debt {$500.00} - Account XXXX BONNEVILLW COLLECTIONS INC XXXX XXXX XXXX XXXX UT XXXX Explanation, Counter offer Dear Sir/Madam I disputed this alleged debt on XX/XX/XXXX, so I reached out XXXX XXXX XXXX Regarding this alleged debt is not accurate and not even exist in first place so long story short I started visit medical center for treat my XXXX XXXX XXXX with XXXX  and XXXX  XXXX XXXX and XXXX XXXX  XXXX we agreed I pay only {$50.00} for visit instead of {$150.00} Because I wasnt insured and I been visited 8 ( Eight ) times and I have recorded and receipt for every visit so the agreement we made of {$50.00} pay for visit, so I purchase insurance on XX/XX/XXXX then I went 2 time visit on XX/XX/XXXX, XX/XX/XXXX and here is transactions from my bank statement, Which I can send copy - XX/XX/XXXX DEBIT CARD PURCHASE, XXXX, XXXX  XXXX VISA XXXX XXXX XXXX XXXX XXXXXXXX XXXX * PA {$50.00} XXXX XX/XX/XXXX DEBIT CARD PURCHASE, XXXX, AUT XXXX VISA XXXX XXXX XXXX XXXX XXXX XXXXXXXX * PA {$50.00} So when I checkout on XX/XX/XXXX, XX/XX/XXXX I did asked the receptionist I got insurance, but i already paid {$50.00} today but it seem like you guys out of network on my policy, she said we can try so based on that the agreement pay per visit {$50.00} which I paid and I can send proof its variable contract, so the alleged debt is not even excist in first place, but morally because XXXX XXXX and XXXX XXXX XXXX were very nice to me I can offer rest of this two visit which is {$150.00} counter offer of original amount after paid already {$100.00} for this 2 visit Please let me know whether you are to accept counter offer for on time payment to settle this account. If so, please tell me in writing my offer to accept it, so I can issue Cashier check once I received a settlement letter amount of {$150.00} on time payment lum sum of ( XXXX XXXX XXXX Dollars only ). 

Note : i'm offer this amount morally based on my manners not because i owe you Thank you for your corporation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I have been in contact with XXXX XXXX XXXX regarding a debt that is reporting to my credit report that is not owed. I have received documentation stating that I don't owe the amount and that this account is to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
I keep getting called about a debt for somebody else but they have been calling me everyday for years. Sequium asset solution is the company they say they are located in Georgia. I keep telling them to stop calling me.

Company response to consumer: Closed with explanation