vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX I recieved communication from Equifax that they would not respond to my dispute due to " not being specific ''. Equifax has been contacted by me several times by certified mail and via telephone in regards to their continued illegal reporting of inaccurate information and accounts. Equifax continues to ignore the laws as stated in 15 U.S.C 1681a ( 2 ) ( B ) all while sending corespondence that makes it " appear '' as if they are acting on the best intrests of me the consumer. Equifax has untruthfully stated that theycan not response to my disputes because they dont understand what accounts are being disputed, when in fact they have recieved several written corespondence from me detailing their illegal activity and asking them to " CEASE and DESIST '' in continuing to 1 ). Illegally share information pertaining to me to ANY third party compaines or credit agencies without my consent. 2 ). Continuing to place in their report innacurate accounts and acount information. 3 ). Give a detailed report of how and who verification was completed with. All alleged accounts enclosed in the dispute were also contacted about information being reported. Several of these companies responded and have either deleted these accounts or have no knowledge of the alleged account in their systems. Equifax continues to list these accounts as " verified accurate '' when in fact the accounts have not been verified in accordance with FCRA. Equifax continues to seek information from a third party vendors and not the acutal companie and report information from the vendor as " acurate '' when in fact it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.

Complaint narrative:
i mr XXXX XXXX was travelling my XXXX car no. XXXX i lost my credit card of citibank so i want to contact driver please help me out my number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: NY

Complaint narrative:
The Bureus Inc XX/XX/2016 {$800.00} That bill doesnt belong to me never made such spending and never used any credit from that company I have no idea why it stands on my report and I request urgent removal from my credit report Ive also tried to dispute through experian.However I never received any email or mail regarding such bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Called capital one to correct the payment history as Ive been marked 90 days past due on my credit report. I asked them for relief due to Corona virus to defer one or more payments or to make a partial payment, they gave me ok for partial payment and then they reported me as delinquent 90 days. I had a severe illness and then XXXX. I was struggling to make the minimum payment. I kept calling them continuously to address the issue. Their answer is making partial payment is not going to affect your credit rating. Then I got hit by 90 days past due. I got promised from Rep. to solve the issue but unfortunately, no improvement.!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XX/XX/2017 {$730.00} Portfolio Recovery That bill doesnt belong to me never made such spending and never used any credit from that company I have no idea why it stands on my report and I request urgent removal from my credit report Ive also tried to dispute through XXXXHowever I never received any email or mail regarding such bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX account is 5 yrs. and 6 mos. old. It was opened XXXX XXXX, 2015. This account has reached the statue of limitation. XXXX XXXX XXXX has ghosted my social security number and it shows on my credit report that I owe them {$67.00}.

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
Consumer complaint received 2021-03-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have submitted 6 rounds of disputes for inaccuracies on XXXX, equifax and XXXX. I have not received any results. This started on XX/XX/2020. I have demanded they remove all inaccurate information as this is hurting me financially and emotionally. I have waited 45 days between disputes to allow time for mail delivery and I am not receiving results from these disputes. I have demanded my rights for fair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV Funding Llc XX/XX/2016 {$950.00} That bill doesnt belong to me never made such spending and never used any credit from that company I have no idea why it stands on my report and I request urgent removal from my credit report Ive also tried to dispute through XXXX.However I never received any email or mail regarding such bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: OH

Complaint narrative:
I received a USBank Reliacard debit card today XX/XX/2021 for unemployment. I am most definitely NOT unemployed, I own my company and did NOT lay myself off. I have tried repeatedly to contact the state of Ohio unemployment and they hang up on you after ridiculously long wait times. USBank has a fraud form to fill out to close the card, but at the end it states I must then inform the failed government agency that I can not ever reach! This is unacceptable and I am furious to see first hand that these type of things are happening and most definitely at the taxpayers expense!

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 2021-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Assoc XX/XX/2016 {$340.00} That bill doesnt belong to me never made such spending and never used any credit from that company I have no idea why it stands on my report and I request urgent removal from my credit report Ive also tried to dispute through XXXX.However I never received any email or mail regarding such bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: HI

Complaint narrative:
I began the application process for a 15 year REFI loan # XXXX, for XXXX XXXX XXXX, XXXX HI XXXX on XX/XX/XXXX. I was contacted by, XXXX XXXX who emailed me a list of documents needed for my application ( I think on XX/XX/XXXX ). I believe that I submitted all that was pertinent for my application by XX/XX/XXXX. I paid the application fee of {$500.00} and awaited re-contact by Ms. XXXX to verify that I had submitted all the documentation that was needed. 
On XX/XX/XXXX I received an emailed request-list for documentation that was basically identical to the one sent by Ms. XXXX on ( XX/XX/XXXX? ) from a XXXX XXXX ; I replied by email that I would contact Ms. XXXX and comply with all items required by her as I had already submitted almost everything on the list from Ms. XXXX. I also asked Ms. XXXX who I should be working with on this application. ( She did not answer this ). 
I then ( I think on XXXX ) called and spoke with Ms. XXXX and asked her to tell me the status of my application, After some delay she mumbled that some things still needed her attention and would call me back later that day. She has not called since. I have since left her two voice mails requesting information on my application, but she has not replied. 
On XX/XX/XXXX I received another emailed list ( actually a duplicated email from the email of XX/XX/XXXX ) from XXXX XXXX. I emailed back and asked her to contact Ms. XXXX about this application. I then called Ms. XXXX and left a voice-mail asking for the status of my application. Getting no reply from Ms. XXXX, on XX/XX/XXXX I left another email request for status, ( the new interest rate, etc. ), and informed her that if I did not receive information that allowed me to believe that my application was moving forward by XXXX XXXX  EDT, that I would be demanding a refund of my {$500.00} application fee. 
It is now 4 hours passed the deadline that I gave Ms. XXXX for a status-report, and she has not replied so I have initiated a phone dispute of the fee with my credit card company. 
I claim that Amerisave loan company has very poor customer service, and may be operating fraudulently ( accepting application fees, then discontinuing performance on the application ). XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Apple card advertised the promotion below - " Don't miss out. Get {$75.00} with a new Apple Card when you spend $ XXXX with Apple Pay at XXXX for a limited time. '' I applied and was approved for the card and within the 30 days I made a purchase at XXXX for {$96.00} on XX/XX/20. I was not given the {$75.00} as advertised on the sign up bonus. 
I have tried three times with the issuer of credit card - Goldman Sachs. The first two times, my complaint was taken but no confirmation or action was received. They first said the purchase was made after the date or did not acknowledge the promotion. They said I would receive an email confirming the conversation but nothing was received. Then the third time i called, they acknowledged and registered the complaint. I did receive an email saying it was under investigation. On XX/XX/XXXX, they sent a decision saying the dispute was regarding the 'daily cash earned. ' I am not questioning the daily cash earned as explained many times to the representatives at Goldman Sachs. I am disputing the {$75.00} credit which was not received.

I have an email detailing the promotion from Apple and the one interaction with Goldman Sachs. They did acknowledge my other calls and did not know why no email confirmation was provided. 

I am requesting a {$75.00} dollar credit as I met the terms of making a purchase using the card at XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
No permission was given to any consumer reporting agency to report any consumer information which is a violation of my consumer rights 15 USC 1681b ( b ) ( 1 ).

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 2021-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I PRINT MY CREDIT REPORT FROM XXXX, XXXX AND XXXX, AND IT SHOW A SECURED CREDIT CARD THAT I NEVER APLLIED FOR THIS CARD BELONGS TO BANK OF AMERICA THAT WAS OPENED ON XX/XX/2019, WITH BALANCE OF {$400.00}, THIS DOSENT BELONG TO ME, IM REQUESTING A IVESTIGATION ON THIS REPORT AND I WANT THIS TO BE REMOVED ASAP AND I NEED A COPY OF THIS REPORT SEND ON PAPER TO ME

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 2021-03-20 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
Unfair practice by GM Finanical. Please help! 
I had a lease with them on a XXXX XXXX  that was turned in on around XX/XX/XXXX. I also bought a new XXXX truck from the XXXX dealership. I was alerted by my mortgage company ( that I am trying to get a mortgage through ) that my credit score just dropped over 100 points due to GM Financial. I called GM Financial today XX/XX/XXXX and spent over 90 minutes getting transferred 4 times to different areas and sitting on hold over 15-20 minutes on each transfer. Only for them to tell me that they sent one ( only one letter ) letter about the additonal charges ( mileage overages, extra wear and tear ). Which I never received. How could you ruin my credit without alerting/billing me of the problem? They then said they called me numerous times on this debt. I then asked what phone # they called and they told me my old office number from my old home. Obviously, I never received a call. They proceeded to tell me it was my fault because I never updated my phone number. 
First, I turned in my lease and bought a new XXXX from the dealership and gave them all my new information. Why would it ever even cross my mind to update the information ... when I turned in the leased truck in and gave them all my new information on the new truck? 
I have no problem paying my bill, but need them to be fair and remove this from credit report. My mortgage agent said GM Financial has done this to many customers! This is not fair that they do this to good customers ... I have tried to resolve fairly! Need help with GM Financial, as this is not right that they can ruin my credit, without alerting me! 
I can pay the bill ... Any help you can give is appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Called XXXX XXXX to correct the payment history as Ive been marked 90 days past due on my credit report. I asked them for relief due to Corona virus to defer one or more payments or to make a partial payment, they gave me ok for partial payment and then they reported me as delinquent 90 days. I had a severe illness and then COVID. I was struggling to make the minimum payment. I kept calling them continuously to address the issue. Their answer is making partial payment is not going to affect your credit rating. Then I got hit by 90 days past due. I got promised from Rep. to solve the issue but unfortunately, no improvement.!

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 2021-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
My mortgage was sold to PHH Mortgage. They refuse to send statements, tax documents, or any documentation of my mortgage. They refuse to give me online access to my account. Each time I call to discuss the issue I am told a special agent needs to help me, that they are not available, and that the agent will transfer me to their voicemail. I called today XX/XX/XXXX and was told the same thing. They refuse to give me written notices of what I owe and why. I need help as they refuse to work with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Banana Republic solicited me to be a BR Card ( the Card ) user in XXXX. The BR Card is issued and managed by the Synchrony Financial. Synchrony Financial is a consumer financial services company headquartered in XXXX, Connecticut, United States. 

Subsequently I set up an online bill pay from XXXX  XXXX XXXX with the intention to pay off the account balance every month automatically. I have not used the Card since late XXXX and during the entire COVID period. I saw an automatic email from XXXX XXXX XXXX showing I was sending an auto-payment of {$78.00} to the Card on XX/XX/XXXX. This prompted me to review the account history. To my shocking disbelief that I have been paying the Card {$70.00} to {$90.00} a month every month since XXXX. The total amount of interest I have paid to the Synchrony is around {$5000.00}, far surpassing the charges I have ever incurred on the card mainly from using it in Banana Republic Stores. 

I subsequently made phone call to the Card and was greeted with disgruntled employees based in XXXX and XXXX with minimum training of US customer protection regulations and rules. A few subsequent calls exploring if anything can be done to rectify the situation given the obvious " mistake '' and such payment pattern doesn't fit the customer profile have been met with nonchalant attitude. A brief conversation with customer service around potential interest adjustment on the ground of COVID relief has been met with cold response. All conversations with the Synchrony employees were unproductive and the company 's attitude towards regulators when brought up by me was dismissive. In a subsequent conversation with XXXX credit card services, its employee suggested such behavior from Synchrony is " shady ''. 

Synchrony Card has charged me 25 % interest and pushed the minimum principle payment to < {$25.00} so that the company can make this " unnecessary debt '' outstanding for 12 years to collect thousands of dollars of interest. Additionally I have not received a single " paper '' statement in my mailbox for years. I have a habit of verifying what I am paying on a regular basis, this would have been caught by me easily if the paper statement has been delivered to me. 

This interest charging and letting customer paying absurd minimum balance for the client who is qualified for {$15000.00} credit limit is borderline fraudulent practice and predatory to the particular segment of customer base ( >750 credit score with sufficient financial resource to payoff {$2000.00} principle ). 

This is the only credit card I have ever had any problems, this is verifiable with all credit cards I have owned.

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 2021-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX I was contacted by someone claiming to be XXXX XXXX a hiring from XXXX XXXX XXXX. They told me about a job offer and that we could schedule the interview over XXXX. We then had a text interview where I was eventually hired and told I would be receiving a check to pay for my work supplies. I received a check on XX/XX/XXXX totaling {$3400.00}. I was then told to deposit the check and send what was available which totaled {$400.00}. I then was left with a negative account balance. I filed a complaint and claims with Wells Fargo # XXXX and a reference number # XXXX. I also filed a police report, 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 monetary relief