vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I noticed National Credit systems on my credit report stating that I owe an apartment complex by the name of XXXX XXXX. I called the apartment complex which the lady I spoke with said no we dont have your information on file. I called national credit systems and the lady I spoke with was very rude. She wouldnt let me talk and when I decided to speak up and inform her that I was a victim of identity theft and I never lived at this residence she hung up on me. I tried to call back she wouldnt answer. I found their email online on their website and emailed the required documents on XXXX XXXX. This collection is still on my credit report which it should not be at all. I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX XXXX XXXX. This debt is not mine.. The information listed below, which appears on my credit report, does not relate to me. This account was fraudulently opened in my name. XXXX also decided to hang up on me when I said I was submitting a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp
State: FL

Complaint narrative:
XXXX flood insurance quote was obtained from XXXX XXXX with XXXX XXXX XXXX This was at the request of RP Funding due to our shed being in a flood zone. Therefore, an escrow account could be established for the expense on the refinance loan. 

XXXX email between RP Funding Fulfillment Team, XXXX and XXXX XXXX at XXXX XXXX XXXX. It was determined a flood insurance policy was not needed due to the shed not being in a flood zone. Therefore, the policy that was started was cancelled before any funds could be placed into our escrow account. 

XXXX XXXX XXXX XXXX Notice was received by mail from RP Funding. It stated we do not have proof of coverage or the current coverage we have on record has expired. We require proof of coverage from XXXX forward. 

XXXX I contacted RP Funding. They told me exactly what the letter had stated. I needed to provide proof of insurance. I tried to explain what had happened in XXXX with the escrow account and it being established by the XXXX XXXX XXXX that Flood Insurance was not needed. 

XXXX I contacted XXXX XXXX about the audit and she sent me the emails that occurred on XXXX. Several documents were sent by FAX by XXXX XXXX at XXXX XXXX XXXX to the Flood Insurance Department to provide support to my not having insurance XXXX Another letter was received and was a duplicate of the first letter. Proof of insurance was still needed and if we could not provide proof that insurance was to be obtained at our expense. 

XXXX Sent formal letter with complete facts about this situation by FAX to the Flood Insurance Department. XXXX XXXX with Guided Insurance assisted me in getting a flood insurance quote sent to RP Funding. Both of us sent the information by FAX. 

XXXX Called RP Funding and was informed that insurance quotes are not accepted and would need copies of insurance policy when issued. I immediately called XXXX XXXX and had him bind the quote and sent the policy to RP Funding by FAX. Since there is a waiting period of five days the policy went into effect XXXX. The cost for the annual policy was {$820.00}. 

XXXX Several attempts were made by phone to find out if the insurance paperwork was received but no one was able to tell me anything for certain. I was however able to get the direct phone number to the Flood Insurance Audit Department. I was informed that the Fulfillment Team made an error in the determination of the flood designation for the shed. According to their records, it is in a flood zone and we would still be required to provide proof of insurance from XXXX to XXXX regardless of their mistake. 

XXXX RP Funding purchased the flood insurance and was posted to our escrow account for {$2400.00} XXXX Flood Policy Notice came in the mail along with the Notice of Insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I Was Charged For A Balance Transfer, By TD Bank, That I Did Not Approve. Plus The Fee. The Total Amount Is : {$2300.00}. This Transaction Was On XX/XX/2022. This Fraudulent Theft, In Addition To The Amount, That I Have Listed, In My Previous CFPB Complaint # XXXX Of {$2400.00}, Will Make The TOTAL That TD Bank Scammed From Me Is : {$4700.00}. My TD Credit Has Been Locked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/22 I placed an order with XXXX XXXX  in the XXXX XXXX that totaled {$120.00}. That did not include transportation charges. I asked them to advise me of what the transportation charges would be before accepting and shipping my order. The next day they told me how much that would cost, and I decided not to proceed and told them to cancel my order. My problem is that my credit card company did not refund the foreign transaction fee of {$1.00} and also refunded me {$1.00} less than the original purchase amount. To correct this I am seeking a refund of {$2.00}. I just want to be made whole for a transaction that never went forward and was cancelled.

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 2022-10-19 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX CONTINUES TO FASLEY STATE THEY HAVE NOT RECEIVED REQUIRED DOCUMENTS ACCORDING TO FCRA XXXX XXXX I HAVE SENT PROOF OF DOCUMENTS AND TRACKING NUMBER IN PREVIOUS CFPB COMPLAINT WITH EQUIFAX AND THEY CONTINUE TO WILLFUL NON-COMPLIANCE AND DEFAMATION OF MY CHARACTER ALONG WITH FURTHER DAMAGING MY CREDIT REPORT. I HAVE PROOF EQUIFAX FALSELY STATING THEY HAVEN'T RECIEVED MY DOCUMENTS IN THEIR LETTER I HAVE RECIEVED ON XX/XX/2022. I HAVE RESULTS THEY HAVE GIVING ME OF PREVIOUS DISPUTE RESULTS OF THEM RECEIVE MY POLICE REPORT AND FTC IDENTITY THEFT REPORT FOR EQUIFAX HAS REMOVED SOME BUT NOT ALLLLL FRAUDULENT ITEMS WHICH WAS REQUESTED NOW EQUIFAX REFUSE TO SEND ME PROOF OF AUTHORIZATION/WRITTEN INSTRUCTIONS FOR THIS FRAUDULENT ACCOUNT WITH XXXX  XXXX. EQUIFAX CONTINUES TO VIOLATE MY RIGHTS TO PRIVACY AND DISHONOR FCRA 605B AND NOT PROPERLY INVESTIGATION AND BLOCKING AMD DELETING ITEM ACCORDING TO SECTION 605B SO THIS WILL BE PROOF OF DEFAMATION OF CHARACTER, WILLFUL NON-COMPLIANCE, AND DAMAGING MY LIVELIHOOD DUE TO ENABLEMENT OF THIS FRAUDULENT ITEM AMD WILL BE PRINTED OUT AND USED FOR REMEDY AND PROOF FOR YOUR DAMAGES AND VIOLATIONS AFTER RECEIVING THIS REQUEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: GA

Complaint narrative:
I sent a dispute letter to this company on XX/XX/2022 but they did not update the status of my report or they might have completely ignored it, either way, it was a violation of the FCRA law. I want the CFPB to have records of these complaints for reference because I might come in handy in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I received today, XX/XX/2022, my Truth-in-Lending Disclosure from Affirm, Inc. for a closed-end installment loan to purchase a health/exercise program ( the " Product '' ) from the company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Affirm , Inc. and it's related company - Affirm Loan Services, LLC ( " Affirm '' ) provided the loan to purchase the Product via a bank partner - in this case, XXXX XXXX XXXX  ( the " creditor '' ). I signed up for the Product back on XX/XX/2022 and I was not able to " read before you sign '' because every thing was online and I was not able to access my TIL disclosure via online. I was not provided the TIL Disclosures via email - however - I did receive a " welcome letter. '' I was given false statements on how to make my monthly payments and after contacting " Affirm '' Call Center in the XXXX, they were finally able to get the TIL disclosures out to me - today, XX/XX/XXXX. XXXX says that I can not cancel and it is not refundable - they state that I had XXXX hours to cancel after getting my disclosures- back on XX/XX/2022. I never received such disclosures. Payment is Due XXXX - XX/XX/2022. I am disputing with Affirm but they say that a payment is due now even though I have postpone my Product to XX/XX/2022. XXXX is willing to postpone my Product to XXXX but Affirm is not willing to postpone my first monthly payment to XXXX. False statements and misrepresentations were given to me to get me to sign now versus later. I was told that I can make my monthly payments via my credit card and I learned today after receiving the TIL Disclosures that I can not make the monthly payment on a credit card. I feel I was pressured to sign immediately without reading the TIL disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: World Acceptance Corporation
State: MO

Complaint narrative:
On or about XX/XX/XXXX I checked my credit wise credit monitoring and found World Acceptance is frivolously reporting innacurate info on my credit report with XXXX saying I have a charge off/ delinquent account when I settled this account in civil litigation in XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX XXXX filed a XXXX satisfaction of judgement '' on this and told me it would not be on my credit report as part of the settlement! This is frivolous on XXXX XXXX part for reporting innacurate info and hurting my credit on a settled acct I may seek legal damages via lawsuit for my time spent and labor of my own investigation and calls made I'll never get back!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I enrolled in an interest-free credit card with Synchrony Bank XXXX XX/XX/XXXX for a three-year period for furniture purchases ( XXXX XXXX CO / SYNCHRONY BANK XXXX XXXX Despite the promotional interest-free designation, they charged me 30 % interest. I sent an email in XXXX alerting Synchrony to the issue and they agreed it was an error and claimed they would reverse the interest charges - I never saw the interest charges reversed. I checked the portal again in XXXX and saw that interest was continued to be charged at 30 %. I spent ~an hour on a virtual chat and despite numerous attempts was unable to have my claim escalated or receive notice that the appropriate parties were alerted.

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 2022-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I opened an account XX/XX/XXXX, with Citizens Bank because there was a promo going on, I made sure to have the promo code entered when I signed up for the account. The promo code offered me {$300.00} for receiving a direct deposit of {$500.00} or more within XXXX  days. I received a direct deposit from my employer on XX/XX/27 for {$510.00}. I've completed this offer in full and their terms state I was supposed to receive my bonus by XX/XX/XXXX but I still have no {$300.00} bonus posted to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-19 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not do business with these companies. Please remove everything, including these other accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit limit of XXXX. Also, these credit card accounts were closed due to some unknown charges after it got stolen : XXXX XXXX, XXXX XXXX Balance XXXX, XXXX XXXX Balance : XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  Balance XXXX. These are unauthorized charges made by someone else. Lastly, this is another Fraudulent inquiry that I want removed : XXXX FUNDING Date : 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 non-monetary relief
Consumer complaint received 2022-10-19 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not do business with these companies. Please remove everything, including these other accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Credit limit of XXXX. Also, these credit card accounts were closed due to some unknown charges after it got stolen : XXXX XXXX, XXXX XXXX Balance XXXX, XXXX XXXX Balance : XXXX, XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Balance XXXX. These are unauthorized charges made by someone else. Lastly, this is another Fraudulent inquiry that I want removed : XXXX FUNDING Date : 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 2022-10-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: LA

Complaint narrative:
BridgeCrest Loan company, repossessed my vehicle ( XXXX XXXX ) on XX/XX/2022 without judicial order. I called BridgeCrest on Monday, XX/XX/2022, requesting the location of my vehicle and informing them that I did not receive a court order in regards to the repossession. I informed the representative that in order to repossess my vehicle a court order must be file, and I would have to receive this notice regarding the repossession. The representative to me that a judicial order was file, but she refuse to disclose when the court order was filed and to which court circuit. BridgeCrest, is in direct violation of USC 15 1692f ( 6 ), which states, provides liability for unfair practices including [ t ] aking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I don't know the specific date or the specific amount of the transaction all I know is that there's an auto loan on my credit on my credit report they're showing under experience because XXXX and XXXX already removed it that I did not do I sent the police report on all proper documentation showing that this was fraud and they still don't want to remove it because they said that it's for documentation to prove to me to show me where it's been verified they have not been able to submit anything to me it's been over a year that I've been going back and forth with them with this issue and it's really annoying

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 2022-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX XXXX ) Account XXXX also ( XXXX XXXX XXXX Account XXXX has Violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the rights 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 2022-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
When my XXXX credit card transitioned from XXXX XXXX XXXX XXXX XXXX XXXX First National Bank of Omaha XXXX FBNXXXX XXXX this year starting around XXXX, I paid two bills online to XXXX ( by mistake ) rather than to FNBXXXX. I paid {$160.00} on XX/XX/XXXX. I paid {$420.00} on XX/XX/XXXX to XXXX for a total of {$590.00}. This money should have either been forwarded to FNBXXXX or returned to me. I learned of my mistake when I called FNBXXXX about late fees for non-payment on my XXXX Statement as FNBXXXX hadn't received payments. FNBXXXX reversed the late fees and interest, and I paid FNBXXXX in full. 

I called XXXX on XX/XX/XXXX, using a phone number that XXXX at FNBXXXX  happened to have handy and spoke with XXXX. At first XXXX claimed XXXX returned my money to my bank however my bank doesnt show any credit for the two amounts involved ( {$160.00}, XX/XX/XXXX ; XXXX, XX/XX/XXXX ). Then, after putting me on hold for a time, XXXX came back and said XXXX would work on the problem, that I would get a confirmation by email in three days to confirm XXXX was really working on figuring things out. He said it might take three weeks to get my money. When I asked for a tracking number as a means to follow-up, XXXX was unable to provide a tracking number so he gave me his badge number ( XXXX ). I never got a confirming email that XXXX was actually working on my problem. 

I wrote a letter to the CEO of XXXX on XX/XX/XXXX, ( copies to XXXX, FDIC, and CFPB ) explaining this problem in detail along with Proof of Payment documents from my bank both payments. As my account at XXXX is closed I don't have a way to see how the payments may or may not have been applied. I have not received any response from XXXX. I understand from FNBXXXX that I was not the only one to submit payments to XXXX  that should have gone to FNBXXXX

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 2022-10-19 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: FL

Complaint narrative:
While in the process of fixing my credit this all of a sudden shows up on only experian. 
Experian is a terrible company and ive had nothing but problems with them. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX ma XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
My Wells Fargo bank personal checking and savings accounts were hacked on XX/XX/2022. They stole all the money from both of my accounts totaling over {$5000.00} USD. 
Listed Transactions : NON-Wells Fargo ATM withdraws {$200.00} {$400.00} {$400.00} Unauthorized Transactions : {$1000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX to unknown " XXXX XXXX  '' obviously fake name {$490.00} {$490.00} {$130.00} {$490.00} {$490.00} Unauthorized transfers from savings to checking : {$2400.00} {$1400.00} Transactions totaling : {$9000.00}

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