vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I HAVE HAD ACCOUNTS WITH XXXX XXXX XXXX ON AND OFF XXXX XXXX 's AND NEVER HAD A PROBLEM. 
IN XXXX I WENT TO XXXX XXXX XXXX IN XXXX OHIO I PURCHASED A BED AND WASHER & DRYER, I SIGNED THE PAPERS AT STORE BY SELLS STAFF AND HAD TO DRIVE AROUND TO WAREHOUSE TO PICKUP FURNITURE, THE NEXT THING I RECIEVED A BILL FROM XXXX XXXXXXXX XXXX  OF WHICH I MADE ARRANGEMENTS TO MAKE MY PAYMENTS ON LINE. 
I MADE ALL PAYMENTS FOR TWO YEARS ON TIME AND NEVER MISSED A PAYMENT OR WAS LATE. 

WHEN I CHECK MY PAYMENT BALANCE IN XXXX IT WAS APPROXMATELY {$2300.00}. 
WHEN I RECIEVED MY XXXX STATEMENT BAL WAS {$6400.00} I CALLED XXXX XXXX XXXX XXXX  IN XXXX OH AND WAS REFFERED TO SYNCHRONY BANK, OF WHICH I WAS TOLD THAT WAS THE NEW AND CORRECT BALANCE BECAUSE THERE WAS A 24MONTH PAYOFF CLAUSE, STATING THAT I HAD TO PAY THIS BALANCE WITHIN THE 24MONTH PERIOD OR " INTEREST PAYMENT " WOULD APPLY.

AS I HAVE STATED I DON'T REMEMBER BEING TOLD BY A SALES REP ABOUT ANY " 24 MONTH CLAUSE " NOR AS THIS EVER HAPPENED IN ALL THE YEARS I HAVE BEEN DOING BUSINESS WITH XXXX XXXXXXXX, I AM ALMOST XXXX XXXX XXXX I AM A 100 % SERVICE CONNECTED XXXX VETERAN WITH A XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
IT IS OF MY OPINION AS A XXXX VETERAN AND ELDERLY PERSON OF HAVE BEEN TAKEN ADVANAGED OF, AND TAKEN IN A MONEY SCHEME OR SHAKE DOWN BY THIS COMPANY OR BANK, I DON'T REMEMBER SIGNING ANY DISCLOSER DOCUMENTS ABOUT 24 MONTH PAYOFF AND DO I REMEMBER ME GIVING XXXX  XXXX PERMISSION TO SELL MY ACCOUNT TO SYNCHRONY BANK I BELIEVED I WAS DOOPED INTO THINKING MY PAYOFF WAS CLOSE TO {$2300.00} WHEN {$400000.00} WAS ADDED TO MY ACCOUNT, I BELEIEVE AS A XXXX VETERAN AND XXXX  PERSON I WAS TRICKED AND TAKEN ADVANTGED OFF.

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 2023-11-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
I have sent emails trying to get information about this. When I called and actually spoken to a rep named XXXX, he tried to trick me in to giving him my card information for a payment of a XXXX to process the request of me inquiring about the debt. As of XX/XX/ and XXXX I have sent emails and waiting for a response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Our Real Estate Firm has been a target of ACH Fraud Cybercrime Extortion. We believe it to be a ring of predators constantly sending Fraudulent ACH Withdrawals to our XXXX XXXX Business account since XX/XX/2023. We have closed our 3 business accounts and opened 3 new accounts, but XXXX XXXX is saying the extortion attempts shall " Roll Over '' to our new accounts up to 90 days. 

Funds in amount of {$17000.00} were extorted XX/XX/2023 from our business commission account by Capital One Bank before we noticed it was gone 2 days later. We have been able to Stop Payment on 7 further attempts to extract funds since XX/XX/2023 and it has become a daily routine to login to our accounts as a preventative measure. 

We have filed reports with XXXX XXXX XXXX, XXXX XXXX XXXX Federal Bureau Of Investigation XXXX Federal Trade Commission and now XXXX XXXX XXXX XXXX. We realize ACH Cybercrime is currently at an all time high and would appreciate any assistance you can provide. 

-- Warmest regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX | XXXX South XXXX XXXX | XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
My HELOC loan From XXXX XXXX XXXX XXXX was transferred to a new company XXXX XXXX ( wholly owned by a company named Mr Cooper ). During that process the new company did not adequately communicate with me regarding the loan and seemed not to understand that a HELOC provides a line of credit to the borrower and was confused when I requested checks. As I am planning on making renovations to my house I decided to open a HELOC with a new provide and payoff the loan with XXXX. As you may know XXXXMr Cooper was hacked on XX/XX/XXXX and took down their systems. I have been unable to contact then to get a payoff or even check on my loan. They have not only disabled their entire online interface, but have also closed their call center, and their automated phone systems has stopped working. The company has provided no information whatsoever regarding the nature of the attack and has provided no guidance or information as to when systems will be restored. This is simply unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
cashapp managers send me 2 years in order to upload my selfies and my iD. i have done both. cash has not provided me access to my money. i am waiting for cashapp to give me access to my money or tell me how they will use my money. i need my money. please help. i sent the selfies and id and a piece of mail. i suspect cash app as a scam company. maybe one day, i will know about cash app. 
there is no way a company can just refuses clients access without having a good way to verify the client account. no bank does that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting 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: CT

Complaint narrative:
I just pulled my credit report and noticed inquiries that I did not authorize

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 2023-11-06 00:00:00
Product: Credit reporting 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:
I HAVE RECENTLY RECEIVED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS & INQUIRES ON MY CREDIT REPORT THAT WERE NOT OPEN BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THE FRAUDULENT ACCOUNTS AND INQUIRIES FROM MY CREDIT REPORT AS SOON AS POSSIBLE.

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 2023-11-06 00:00:00
Product: Credit reporting 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:
I HAVE RECENTLY RECEIVED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS & INQUIRES ON MY CREDIT REPORT THAT WERE NOT OPEN BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THE FRAUDULENT ACCOUNTS AND INQUIRIES FROM MY CREDIT REPORT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
My credit was used without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
My credit was used without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I recently looked at my consumer report on XXXX, XXXX, and XXXX. I seen that a Mercedes-Benz financial has been reporting missing months of payments. These multiple missing months of payments almost look as if they were late payments or payments that were never there. I reached out to Mercedes-Benz financial and asked them to correct this information on my consumer reports they told me that it seems to be showing correctly on our end, and that you would have to reach out to experience XXXX and XXXX, but upon reaching out to experience, which did a dispute, they werent able to get the correct information. Theyre still reporting it incorrect as well as XXXX is reporting the incorrect as well as XXXX has been reporting it incorrect. They need to update the way that theyre reporting it via metro to compliance. They are violating metro compliance either they corrected or remove it from my consumer reports completely. 15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports.

15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting.

15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting. 15USC 1681a ( d ) ( 2/A ) i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information... The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I asked XXXX Mercedes-Benz , correct the payments that are missing from my consumer reports. Which are XX/XX/2023 XX/XX/2023 XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I sent a letter of validation and the company has not responded. They claim they are collecting on behalf of the federal government but have not send me any documentation they are authorized to collect on this XXXX XXXX. The account number they provided is not the same as my XXXX XXXX. They recently sent me an " offer in compromise letter asking me to list all my bank accounts and financial assets. The " Consumer debtor financial '' document This document is very similar to XXXX Form 770 but it is not an official government. It is very misleading an implies that I am dealing with the US government but instead a private debt collector. I am not going to send sensitive financial information to a company that has not shown me they have any written authority over my account

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 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX I lost sight of my phone and my card that was on the Wallet attached to my phone. I was able to retrieve my phone back and none the less I cant even describe how happy and grateful I was until I logged into my bank account to see all the funds in my checking account has been cashed out through XXXX XXXX. A random persons name was shown as the XXXX  tag name. The name is XXXX XXXX. This person used my debit card and cashed every single dime out of my checking account. I am a XXXX XXXX employee and XXXX  trying to take care of my self and help my family out. I bank with td bank which to my knowlage theyre fdic insured. Well after trying to file a claim against the fraudulent charge that accrued in my account, I just kept Getting my claim denied even though td bank was notified when I got my card information stolen. I want this to be investigated because td bank is more than a horrible banking company I have always had problems where it would take more than the expected time for me to receive a deposit check and more of that sketchy banking system that accrued when a bank claims to be fdic ensured but in reality they are just lying to their customers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Multiple letters have been sent to XXXX XXXX XXXX to provide proof of ownership but no documents have been presented where I signed an agreement with their company. I've asked them to remove the accounts from my credit report since I do not owe them anything but it has yet to be done. They are reporting that I owe {$750.00} for a XXXX XXXX charge and {$980.00} for a XXXX XXXX XXXX charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm a victim of identity theft. I recently learned that my nonpublic personal information is being shared and furnished with different institutions and nancial institutions without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to Equifax, XXXX and XXXX by way of Financial institutions without full disclosure and without my written consent, unknowingly and unwillfully against my knowledge, and therefore request these accounts be removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 protection of nonpublic personal information. This is identity theft. Pursuant FCRA 603 ( c ) Financial Institutions must notify consumers in writing to CRA Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I, XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MID FLORIDA FINANCING LLC
State: FL

Complaint narrative:
This account was paid and should have been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
In XX/XX/2022, I selected to setup Autopay for minimum payment. Synchrony Bank system configurations disregarded my selection and replaced it with pay statement balance. In XX/XX/2022, the electronic payment was executed, and funds were taken from my account. Not only were funds deducted from my bank account, derogatory information was reported to all three credit bureaus. 

I contacted Synchrony to correct the error. Synchrony processes would not correct the matter immediately ; therefore, I requested a stop payment against the electronic payment. Later, Synchrony sent a check which made things more complicated. After this transaction, statements showed my balance to be {$11000.00}. In addition, credit reports reflected that I exceeded my credit limit of $ XXXX, which resulted in my credit score dropping drastically. 

Still today, they are reporting the incorrect high credit balance on all three credit reports.

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 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX I did a mobile deposit into my bank of America account. Because in the past I had no issues with 3rd party checks, I submitted a check that was in my companies name but signed check with my account name. I was told check will be cleared in several days. Days later I went into my online banking and it was closed. When I called Bank of America fraud department and risk department they said they closed my account based on this check I submitted which is a stolen check. I ask if they investigated with writer of check and bank who the writer of check banks with to verify it is not a stolen check, they said no to all the above. So I said how can they assume and then accused of accusations not correct if they didn't investigate. They said I will recieve a check with my funds left in account and account will be closed. After advising days before that check was stolen on XX/XX/XXXX they deposited check into my closed account that they closed based on this stolen check they said. If it's stolen why did bank deposit into my closed account? After calling everyday since this situation, no one in this department can give me dates or a time frame when they can return check of XXXX to the writer of check so that they may write me a new check and I can deposit in my new bank. Everyday it's the same thing, we have no time frame on when we will return writer the funds. When I state no time. Frame can mean months, years, and they said it can take exactly that. I have all recordings with all the departments spoken to at bank of America who again refuses to return funds that do not belong to them. The writer of check and the writer bank has given me a letter which shows that BOA deposit the check and that it was not a stolen check and that bank of America never contacted them to verify if this check was stolen or not before assuming and wrongfully accusing me of a crime never committed.

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 2023-11-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
ECSI has been aggressively sending bills and threats to my house address without explaining any specific options to me for my loan type specifically. They currently ignoring the matter as they do not have proper master promissory note for the full XXXXXXXX XXXX  amount from me and they refuse to communicate or provide a copy. They just send bills. They said that my loans are private and does not have any options, but they offered 1 federal deferment option and directed me to fill out a form that clearly stated federal perkin loan deferment ( In this case I have to be working and not make money ) which is not my case. There is no other deferment options available to me they are pushing for heavy payments that I can not afford without proper terms, conditions and without a master promissory note. Their loans is invalid untill they have a clear master promissory note by me which they do not have and they refuse to provide. All their loans is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account was paid and should have been removed

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This account was paid and should have been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account was paid and should have been removed

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