vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-28 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 have been trying to resolve these issues with the companies but i have not been able to get anywere. The following account are not mines : XXXX XXXX/XXXX  {$210.00} XXXX XXXX/XXXX   {$260.00} XXXX/XXXX {$310.00} XXXX/XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX/XXXX XXXX {$760.00} XXXX XXXX XXXX  {$890.00} XXXX/XXXX {$0.00} XXXX/XXXX  XXXX {$1100.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX. 
{$1100.00} XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX XXXX XXXX {$600.00} XXXX  XXXX XXXX Original creditor : XXXX XXXX  {$380.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-28 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: FL

Complaint narrative:
This is my second attempted to rectify my credit profile with Transunion and as a result, they again lowered my score by fifteen points with absolutely no justification. 
This is the second time Transunion lowered my credit score in retaliation.

This has to stop and they need to be held accountable.

I'm beginning to think this is not just an act of retaliation, but discrimination as well.

1. I've submitted two photo documents showing the XX/XX/2020, credit score. 
The same day the complaints were filed, and : 2. The drop in credit score on XX/XX/2020.

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 2020-01-28 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: ONEMAIN FINANCE CORPORATION
State: NY

Complaint narrative:
On XX/XX/2019 I submitted an request to XXXX  to request physical verification of the accounts listed in my consumer credit report. Some of the items were removed because they could not be verified and on none of the others were verified. I was not provided verifiable proof and requested under Sec 609 ( a ) ( 1 ) ( A ) of the FCRA. 

On XX/XX/2019 I submitted a 2nd request to XXXX  to request physical verification of the accounts listed in my consumer credit report. None of the item were verified. I was not provided verifiable proof and requested under Sec 609 ( a ) ( 1 ) ( A ) of the FCRA. 

I did receive a letter from One Main Financial stating that my request did not provide sufficient information. However on 2 occasions they reported unverifiable information. I have attached both notarized requests along with the certified return receipt of my requests. Also I a letter from One Main Financial stating there was insufficient information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
On XX/XX/XXXX my spouse, XXXX XXXX XXXX, was killed while on an XXXX overseas assignment. Between XX/XX/XXXX and XX/XX/XXXX, I notified all credit card companies/creditors of his death and provided a copy of the XXXX XXXX Notice of Death that was sent to me by the State Department. 
There was no estate or Probate. 
I was notified by all credit card companies/creditors that my spouse 's debts would be discharged and there would be no other communication. 
On XX/XX/XXXX I received a 1099-c from Synchrony Bank in my spouse 's name. 
The Cancellation of Debt in the amount of {$9800.00} was based on an identifiable event occurring on XX/XX/XXXX. This date has no legal significance or relationship to my spouse 's death in XXXX. 
I contacted the IRS assistance telephone line and was advised that Synchrony has processed the debt incorrectly and now must issue a corrected 1099-C XXXX  out all amounts.The debt was not cancelled, it must be discharged due to the death of the debtor. 
I spoke with 'XXXX  XXXX and 'XXXX  ' at the Synchrony number and was advised to just ignore the 1099C. It  doesn't work that way. Since the XXXX is still processing travel reimbursements for my husband, unless Lowe's/Synchrony issues a correct ( XXXX ) 1099C, I will be forced to pay taxes on the {$9800.00}. 
All the other credit card companies/creditors handled the situation correctly, now it is Synchrony Bank 's turn.

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 2020-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Athena Bitcoin Inc
State: NY

Complaint narrative:
On XX/XX/2020 I filed out an application to become a bitcoin XXXX XXXX. I received an email on Monday that my application was accepted. They send me a check with email instructions and they assigned a surveyor whos name is XXXX XXXX. I deposited the check as instructed and proceeded the next day with the assignment which was not successful because the bitcoin atm is not working. The surveyor was texting me the all time. Once I couldnt complete the assignment he demanded I buy gift cards with the money and send the rest of the money which was a total of {$3600.00} to his account. Since I thought the check was cleared I sent the money to find out the check bounced a days later. I tried calling the number is busy and no one is answering my emails. The promise was that I complete the assignment and a survey and be compensated {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XXXX I had a fraudulent XXXX  transaction. I called the bank as soon as it posted ( less than 2 business days ) The bank basically says I did it and will not put the money back. I asked for paperwork supporting the denial and they sent 3 screen shots. Luckily a teller at the bank printed the whole investigation file ; ) so I know that what the bank says and what they found are not the same.

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 2020-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES
State: CT

Complaint narrative:
I was contacted by a company called Zwicker and Associates on behalf of XXXX XXXX. I tried contacting XXXX XXXX to explain that I have never had an account with them and that I have been a victim of identity theft and that I did not authorize these accounts. I gave them my information and they updated it within their systems, and then told me that my account was transferred to a debt collection agency. I contacted them and was told that these accounts were forwarded to a civil matter. I was not made aware nor was I served any papers for a civil matter. The information that they had within their system does not and did not match my address the only information that matched was my name and social. I tried explaining that I have been a victim of identity theft and they are telling me that I am responsible for these accounts. I did not authorize these accounts and they do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: HI

Complaint narrative:
The complaint is in regards to removing PMI from my home mortgage. I am currently just short of the 5year mark for having my home and have been trying to remove the PMI for almost 1 year. I have sent several  written letters via mail to Rushmore Loan Management Services with copies of county tax assessments as I was instructed to do so with no luck. Two weeks ago I called and spoke with a woman who was intentionally vague about giving me any information as to how much I needed to pay towards the principal in order to have the PMI removed and lower my monthly payments. She finally said {$37000.00} " should '' work. I paid {$38000.00} to be safe. I then read everything I could on the matter and decided to pay an additional {$5000.00} to be sure bring my loan to debt value to % 73. Today ( 10 days later ) I spent about 45 minutes on the phone and was placed on hold 3 times while trying to get the PMI removed. I was repeatedly told that I needed to yet again write a letter mail it in wait for a response then mail in an authorization form so Rushmore could have an appraisal done to my home at my expense and they may or may not remove the PMI after that. The way the law is written I understand it to state that since my loan to debt value is % 73 the PMI should be  removed with no appraisal necessary automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I am writing in reference to my Advance Checking/Saving Accounts with HSBC Bank. On XX/XX/2019, in response to HSBCs advertisement offer ( Offer ), I opened an Advance Checking/Saving Accounts ( the Account ) in the local HSBC branch ( XXXX XXXX, NY, Personal Banker XXXX XXXX XXXX # XXXX ). Pursuant to the terms of the Offer and, as stated in my Account documents, after opening an HSBC Advance combined Checking/Saving Accounts with a balance of at least {$10000.00}, I would automatically receive {$370.00} after 90 days from the date of the account opening. As indicated above, the Account was opened on XX/XX/XXXX of 2019. I complied with all the terms of the offer by opening the Accounts for the required {$10000.00} and maintaining the balance of at least {$10000.00} for more than five months now. According to the terms of the offer and my Accounts documents, I became eligible to receive the promised {$370.00} in XXXX, 2019. However, HSBC declined my request for payment of {$370.00} without providing any explanation for their failure to honor the terms of the agreement. I called and spoke with at least 4 representatives at HSBC and the Manager XXXX but, as of today, I have not been given any explanation as to why my request for the promised {$370.00} was declined. I opened my Accounts in reliance of HSBC representation of promised payment of {$370.00} within 90 days. I have satisfied all the requirements for payment eligibility and HSBC breached its promise without providing any explanation for their refusal to honor the terms of our agreement. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: PLS GROUP, INC
State: IL

Complaint narrative:
I been receiving letters & mail to my job for this loan that was send to collection since XX/XX/2020 i believe there's nothing much to say since it was send to my credit report without being & when i apply for this loan i was also told it wouldn't expired until XX/XX/2020 & it was send to collection before the due day? i was told to make 2 payments an month of {$59.00}, the information i was told was not current, after sending it to collection i still receive mail & calls from this loan company PLS trying to do take payments from my paystubs.

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 2020-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On or around the week of XX/XX/XXXX we received two phone calls from Raymour and Flanigan XXXX stating our furniture would be delivered to XXXX XXXX XXXX, XXXX, PA. We called the number left on the voice message and told them we did not purchase any furniture and certainly not to that address. They stated, Ok, we must have had the wrong number. 

I logged into my TD bank ( Raymour and Flanigan ) account on Sunday the XXXX and found two charges one dated XX/XX/XXXX in the amount of XXXX and one dated XX/XX/XXXX in the amount of XXXX. 

I immediately called TD bank and alerted them to the fraudulent charges. They placed the charged in dispute. I also called Raymour and Flanagan 's fraud department, spoke to a man named XXXX, who confirmed that the orders were placed online at the XXXX store and the buyers were supposed to come in an confirm identity. He also confirmed the above delivery address. He was supposed to check the store camera 's to see who the people were. He opened fraud case and assigned a case #. 

TD bank sent me a letter dated XX/XX/XXXX confirming my dispute. They sent a letter again on XX/XX/XXXX confirming the above amounts were in dispute. They sent me a letter on XX/XX/XXXX stating a credit would be placed on my account for the full amount. 

XX/XX/XXXX I get a invoice directly from Raymour and Flanigan with a new account number which I did not authorize with two identical lines items listed as " balance transfers '', totally ignoring my original dispute and their own case #.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a Visa Credit Card issued by Capital One stating that it came with extended warranty protection as a benefit. 

I had an item break within the extended warranty period. I submitted for claims in timely manner and complied with instructions. 
The warranty is managed by a third party through Visa. 
The company did not respond to emails, a supervisor later told me over phone ( claim # XXXX, talked to XXXX ) that emails are not read, and that therefore information submitted via them does not count as submitted. I read back the auto-reply from emails that clearly states emails are reviewed and will be responded to. Because the submitted information was not read, the claim file was closed as incomplete. I called Capital One, the card issuer, to resolve this issue. After speaking with their contracted company, I was told that despite me having evidence that I responded to all emails in a timely matter, no further review would be made ( this was all with Capital One on the phone ). I was then told that Capital One was 'not responsible ' for the issue as it was an outside party that provided the insurance, despite advertising that the card carries such consumer protections. 

For reference the last employee I spoke to at Capital One was a supervisor named XXXX, employee ID # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: CO

Complaint narrative:
I was issued a Rewards Card from my credit card company ( Ent bank ). This card was issued XX/XX/19. The card was defective and was not working at the register when I went to use it. So, I called the C/C company and told them and they deactivated it and said they re-issued another replacement {$100.00} rewards card. I never received it, so I called and they said it had not been sent out. So, I called again to be sure it was on the way and got the run around when I did. I was told repeatedly that no card had been re-issued, and was given another 1-800 number and was told my account did not exist. I called the Credit card company back and was given more run around. These calls happened on XX/XX/XXXX, and XXXX. It took a total of 9 phone calls to get an answer. Each time I call I am told there is no such card, or the Rewards card is not the correct type or no card has been issued, or they are re-issuing a new card and then there was no card re-issued. My rewards card has been with-held from me and I believe I am being discriminated against due to the excessive amount of dismissing and poor treatment I have been given while trying to receive help from these people. This is either a scam program or they are breeching their part of the agreement. I want action taken against them for fraud.

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 2020-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CSO Financial
State: OR

Complaint narrative:
Okay in XX/XX/2018, I had three jobs. I got evicted because my partner forgot to pay rent, then the power got shut off. 18 hours of work in one day, move a box off of the couch and a knife fell out, and I sat on it. I had to take an ambulance ride. After that I XXXX XXXX And lost all of my jobs, and my home. Long story short, the ambulance didnt bill my insurance and I owed them XXXX that I wasnt ever notified about. I called CSO.financial to pay off an unrelated debt and come to find out now I owe XXXX in less than a year? They never contacted / reached out to me. I requested the breakdown of info so I could file a claim with my insurance, the woman said she had already sent one and then sent me a notice stating your request for future documentation will be denied, we have already provided all required documentation. I called the XXXX XXXX billing and got ahold of my records there. Then my insurance cleared my outstanding balance. This debt collection agency now wants over XXXX. I cant afford this absolutely outrageous debt. The agency was an absolute joke, assigning me to a case manager that was never in the office and when she was treated me like a piece of garbage. Honestly everything about my case manager was shady, I dont know who else to turn to for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
My Social Security Number was lost at a point in time around XXXX of XXXX. When I started receiving stamens in the mail for a QVC account that I have never once viewed nor purchased one single item ever. This has now affected my credit and I don't know who is purchasing items. 
Im currently XXXX and have only once ever tried to do anything to impact my credit. In XXXX i applied for a in store XXXX XXXX credit card. Was immediate approved. Now my credit is XXXX. Im so lost on how this can happen and my credit has fraud activity.I didnt even know what QVC was untill getting statement letters in the mail for items ive never purchased or received. please help.

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 2020-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
Initiated a dispute with PayPal which was initially refunded in the amount of {$39.00} ( Refunded XX/XX/XXXX ). Refund was for a cancelled subscription service that was cancelled under the free trial period and should not have been billed. Initial transaction was erroneously made on XX/XX/XXXX. 

Later, PayPal reversed their credit and placed the paypal account into a negative balance for the transaction amount ( XX/XX/XXXX ). In the course of this, PayPal limited the account and it is unable to be used before satisfying the negative balance that should not be present. 

PayPal 's assigned case number is Case ID : XXXX. PayPal credit mastercard was also billed on XX/XX/XXXX by the same merchant which has a cancelled account, a dispute has been initiated with the servicer of the PayPal Mastercard. 

PayPal has not responded to requests in an expedient manner. PayPal also ignored 2 other small claims ( amts of $ XXXXCAD and $ XXXXCAD ) that were made for items not being delivered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-28 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: DC

Complaint narrative:
I have never solicited or sought to acquire an auto loan through XXXX XXXX XXXX XXXX date of the letter I received was XX/XX/2019. I am going to assume they received my information from an unknown source in an attempt to get a car loan. 

The control number is listed as XXXX. 
I want to know why they sent me a letter of which I never inquired about from their organization.

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 2020-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
LOANCARE SERVICING CTR {$490000.00} <1 % paid off 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/2019 Account type Conventional Real Estate Loan, Including Purchase Money First Balance Loan Amount {$490000.00} {$490000.00} Payment Info Status Current, was past due 30 days Updated on XX/XX/2019 Past due amount - Original loan amount - Monthly payment {$2700.00} Late payments XX/XX/2019 You've made 96 % of your payments on time for this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 30 On Time 30   Days Late THE ABOVE MENTIONED MORTGAGE HAS BEEN REPORTING INCORRECT 30 DAYS LATE AND THEY ARE NOT ADMITTING, THAT THEY WERE ARE FAULT. MY INFORMATION WAS FRAUD AND INCORRECT. BY THE TIME WE FOUND OUT THE 30 DAY  LATE, IT WAS TOO LATE, DAMAGED OUR CREDIT SCORES AND REPORT. WE VERIFIED THEY HAD WRONG CONTACT, MAILING, EMAIL INFORMATION. WE DID NOT RECEIVE ANY TYPE OF CONTACTS. WE FOUND ABOUT THE LATE WHEN WE WERE BUYING A CAR. WE CONTACTED THE MORTGAGE COMPANY AND STILL WE ARE BEING BLAMED FOR.

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