vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Foundation Title & Settlement Services, LLC
State: HI

Complaint narrative:
I have communicated with XXXX XXXXFoundation Title and Settlement Services multiple times now that they have facilitated and continue to cover for fraudulent Real Estate transactions. PLEASE VIEW ATTACHMENTS. The fact two different versions of title paperwork exist should be a red flag. XXXX mortgage and XXXX are investigating concurrently and have already provided conflicting information compared to Foundation Title and Settlement Services XXXX 

A home sale has occurred without my signatures being obtained. Their own records indicate that my name is on borrower contract and on conveyance documents but The company will NOT1. Provide home sale signatures of mine that would have allowed sale of the property. 2. The signatures/paperwork that STATES if and how XXXX XXXX became sole title holder. 3. The companys own 4th statement line agreed to the proceeds, means I was, in fact of law, an owner. So again, I ask for copies of ALL PAPERWORK mentioned. What this company did was show segmented portions of a complete transaction. They did NOT provide records of said transaction that is required by law or by The Real Estate Settlement Procedures Act ( Respa ) as they would have had to actually see any transfer of property signatures of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: SC

Complaint narrative:
I disputed items off of my credit report due to inaccurate information to all credit bureaus. Neither one of these credit bureaus responded in 30 days, nor did they provided proof of the accurate information. I've sent them 2 letters and no response have been made

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
According to Portfolio Recovery a XXXX XXXX XXXX  credit card was opened in name. The person used the address of XXXX XXXX in XXXX which I have never lived at. I am currently disputing this address on my credit report, as well as the credit card. Over the years my wallet and ID have been stolen and I believe this is one of those times. The amount owed is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I believe that this company is knowingly cheating and forcing consumers into paying undue interest on purchases that are advertised as 0 % interest financing for periods ranging from 6 to 24 months. I made a purchase in the amount of {$450.00} on XX/XX/2021, for 0 % interest if it is paid off in 6 months ( set to expire on XX/XX/2021 ). I also made two additional purchases under the 6 month 0 % interest agreement for {$100.00}, and {$230.00} I made two large purchases under a 24 month special financing agreement, where I am to pay equal payments for 24 months on each purchase, one for {$1000.00} and the second for {$760.00}. I have made repeated efforts to pay off the small purchases early, before my 6 month grace period ends. However, PayPal Credit continues to apply my early payments to my first 24 month installment loan. There should 20 payments remaining for this purchase, and now there are only 12 remaining, even though I made the purchase this year. The balance on each of the 6 month promotions remains the same, and I am unable to pay them down no matter how much extra money I send them each month. PayPal Credit has promised me on several occasions since XXXX that they will make adjustments to my account, and this has never happened. Now, starting next month, I will owe {$32.00} on my first purchase of {$450.00} - this is interest I should not have to pay, as I have more than kept up my end of the bargain. The following month I will owe yet more interest if this is not resolved. From what I can see, I will have to pay off the remaining balance of {$500.00} on my first 24 month purchase, plus {$130.00}, {$100.00}, and {$230.00} in order to avoid paying interest.
I am certain that this company is taking advantage of consumers who do not know better such as elderly folks, young people, and people who do not monitor their credit card statements. I have an exceptional payment history for all of my accounts and simply intended to pay these small purchases off early to avoid paying interest, as was my agreement with this financial institution. I feel powerless and hope that they will correct this seriously dishonest practice ASAP. Please help. Thank you! 

The following payments were made since XXXX : XX/XX/XXXX, {$150.00} ; XX/XX/XXXX ; {$110.00} ; XX/XX/XXXX {$97.00} ; XX/XX/XXXX, {$160.00} ; XX/XX/XXXX, {$100.00} ; XX/XX/XXXX {$100.00}.

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 2021-07-09 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: GA

Complaint narrative:
I have been sending letters to the bureaus regarding some account reporting erroneous late notations. I have submitted complaints to the company directly and while they can acknowledge their mistakes, they refuse to help saying I have to take it up with the bureaus.Some of the lates are from my hardship due to Covid, where the bureaus so yourself have said you expect them to make goodwill efforts on credit reporting. I have received no help! So I have been sending letters but the mistakes don't seem to be clearing up. I will attach a copy of the letters sent, please fix accordingly.

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 2021-07-09 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: GA

Complaint narrative:
Transunion LLC, has been providing false information that public record XXXX XXXX bankruptcy was verified by XXXX XXXX XXXX GEORGIA when courthouses do not verify public records with credit reporting agencies, credit bureaus, third parties, and vendors via the FCRA. Transunion LLC, has been falsely verifying a public record XXXX XXXX bankruptcy with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX who is not the original data furnisher of the information as required under the FCRA and could not verify the public record being reported. Because XXXX does not have this public record on file and could not verify it, I have requested for Transunion LLC to stop reporting the public record and delete the public record for false reporting under the FCRA.

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 2021-07-09 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 — Problem with personal statement of dispute
Company: Service Finance Holdings, LLC
State: TX

Complaint narrative:
I was past due on an account. I spoke to the company and got a deferment due to being affected by covid. I was told that no negative reporting would happen during the deferment period. After have some conversations with one of my credit card companys I checked my credit report to find that the account was noted past due during the deferment period. I disputed it and the company refused to change the reporting saying it was accurate. I spoke to the company them selves they refused to change it because it was past due before going into deferment. I explained that I was told by the person I spoke to that it would not be reported negative during the deferment and they said but you were past due before deferment so we are not changing it. I feel this is unfair reporting as I was in a deferment period and told that there would be no negative reporting to the credit bureaus during this time yet here we are they reported negatively to the credit bureau during this time. The company is refusing to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Please see attached documents that contains all XXXX account in the PDF. 

I received a 1099-C ( cancellation of debt ) notice for the following account : Amazon.com Store Card Account Number Ending in XXXX JCPenney Credit Card Account Number Ending in XXXX Sam 's Club Personal Credit Account Number Ending in XXXX These accounts were charged off as of XX/XX/XXXX. I reported these accounts under a 1099-C on my XX/XX/XXXXTax Returns as Paid in Full. 

I sent a copy of all documentation to the credit bureaus to update the accountsas paid in full. By me sending the form 1099-C they negatively impacted my credit score 80 points and restarted collection efforts on an attempt to collect a debt on these three old credit card accounts that were charged off in XX/XX/XXXX" NOT XX/XX/XXXX'' The information was sent to have it remove the balance to zero from all credit reports not to restart collection attempts.

Synchrony Bank is reporting to the Credit Burues that I still owe the debt in full!! 

I have attached documentation that SHOWS SYNCHRONY BANK ATTEMPTING TO COLLECT A DEBT that is not owed!! 

I want these accounts to be removed from all 3 credit reports ASAP and to reflect the balance as XXXX balance. 

I will be contacting my States Attorney General to look into this matter and will be filling a lawsuit against you for collecting on debt not owed to you. 

I have reached out to you several times via email and have left several messages via phone. 

Till this day I have yet to receive a phone from YOU. 

I can be reached at 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 2021-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
Cash app has a promotion for a {$15.00} bonus when you invite friends and they send a payment. Twice now two of my friends have downloaded the cash app with my code and done what cash up said to do. Twice cash app has screwed me out of my bonus for some reason. They always have a reason to not give me my bonus!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
According to XXXX XXXX a capital one credit credit card was opened in name. The person used the address of XXXX XXXX in XXXX which I have never lived at. I am currently disputing this address on my credit report, as well as the credit card. Over the years my wallet and ID have been stolen and I believe this is one of those times. The amount owed is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I contacted on XX/XX/21 Expeian about there response to the cfbp they submitted, experian said they do not know who responed to cfbp ( XXXX ) is the dispute agent with experian. I ask XXXX if he has the letter from XXXX XXXX he said yes, I need to get XXXX XXXX on the phone to have them to say to remove the bankruptcy off of my credit report that the letter they have is not enough to remove it off of my report. XXXX also said to get XXXX XXXX agent on the line to ask them to remove the bankruptcy, the agent said he would not talk to XXXX XXXX.Lady from XXXX XXXX disconnected her line and then the agent from experian hung up on me. Experian has broke the consumer reporting law. I at this point I will seek Legal Aid with my concern, I can not go to work with the county in my state with this bankruptcy on my experian credit report.

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 2021-07-09 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: GA

Complaint narrative:
I have been sending letters to the bureaus regarding some account reporting erroneous late notations. I have submitted complaints to the company directly and while they can acknowledge their mistakes, they refuse to help saying I have to take it up with the bureaus.Some of the lates are from my hardship due to Covid, where the bureaus so yourself have said you expect them to make goodwill efforts on credit reporting. I have received no help! So I have been sending letters but the mistakes don't seem to be clearing up. I will attach a copy of the letters sent, please fix accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
Screen Shot XXXX at XXXX ... png ( 85 KB ) XXXX XXXX  30 Day deposit ... docx ( 15 KB ) Speedy Cash Loan.pdf ( 582 KB ) Good Morning, It is unfortunate that I must resort to such a complaint. However Speedy cash has given me no choice but to officially report my issues with them due to repeated unheard complaints to them. 

XX/XX/2021 weeks ago I attempted to get a " speedy cash '' load to tide me over until payday. a few days later I got a notice that they had released funds to my bank and would the availability would be determined by the bank. So I called and was told that there was a issue on their side. I told them I didn't need it now and we can just cancel the loan. I was told to send a statement to customer service and let them know not to pull funds from my account, which I did XX/XX/2021. XX/XX/XXXX they again asked for t he documentation showing no loan was processed by my bank, so I sent my entire statement. This morning XX/XX/2021 I noticed they have placed a hold on my account for loan ( that I did not receive ) repayment. I contacted Speedy loan and they were unable to fix the problem. 

As you can see below the only transaction that has taken place in my bank account has been a withholding by speedy cash, therefore I want to file an official complaint against that company. They never provided the load they promised, only the recovery. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My credit report with Experian was merged with my sisters credit report. Her accounts and addresses and everything were taken off. There was a dispute with the XXXX County Recorder about a tax lien on properties ( 2 items ) and they belong to my sister, not me. They are insisting they are correct but they are not. Our Social Security numbers are one number off. My sister is XXXX XXXX ( XXXX ) XXXX. I want this information off my credit history because it was never mine.

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 2021-07-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Back in XXXX, I received an offer from Regions Bank to open a savings account and fund {$2000.00} to receive a {$200.00} bonus.

I opened the account and added the {$2000.00} to account in the time frame required to earn the sign up bonus.

I waited for the {$200.00} to show up, but it never did.

I contacted the bank and they told me that I won't be getting the {$200.00} bonus because the {$2000.00} that I funded did not come directly from an outside bank.

No where in the terms in conditions states that " New Deposits '' have to come from an outside bank. They refer to " new balances '' but not " new deposits. '' I believe that their terms & conditions are purposely vague and misleading to prevent people from earning the bonus.

Therefore, I would like the CFPB to help me get the {$200.00} bonus.

I will attach a copy of the email promotion.

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 2021-07-09 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: PA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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 disputed items off of my credit report due to inaccurate information to all credit bureaus. Neither one of these credit bureaus responded in 30 days, nor did they provided proof of the accurate information. I've sent them 2 letters and no response have been made

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bay Area Receivables, Inc
State: MD

Complaint narrative:
On XXXX while signing the closing documents to refinance my home, I was provided with copies of my credit report from the 3 major credit bureaus. On the XXXX  report I noticed that it stated I had an account in collections. After closing, I immediately went to XXXX and requested a copy of my credit report from XXXX. On the report, I saw that I had been placed in collections for {$86.00} by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, United States ) with a debt collection agency Bay Area Receivables INC ( XXXX XXXX XXXX XXXX, XXXX, MD XXXX ). Since I had never been notified by XXXX XXXX XXXX or the debt collection agency of any outstanding balance, I immediately phoned the collection agency at the number listed on the credit report, XXXX. I spoke with a representative and advised that I had never received any notification of the debt, so I was upset that it had been reported to a credit bureau. He advised that a letter was mailed to me in XX/XX/2020 to my home address. I advised that I never received that letter. I requested that they resend the original letter and / or verification of the debt. He refused to do so and said that I had chosen to either ignore the letter or that I had misplaced it. I advised again that I had never received the letter. Further on in the conversation, he advised that the original debt was for {$250.00} and that my insurance had paid {$160.00} and the remaining balance was {$85.00}. This immediately concerned me, as that information was totally incorrect. I informed him that I was the one that had paid the {$160.00} out of pocket and that per my XXXX XXXX XXXX website account, there was no outstanding balance against the original debt from XXXX XXXX, as the insurance plan discount was {$85.00}. He asked that I email him this information, and I said I would not do so without some verification of the debt in writing and asked multiple times for him to resend me a copy of the original letter they claim to have mailed to me. Each time he refused and said that I had only 30 days from the date of the original letter to ask for verification of the debt or dispute the debt. I have attached a copy of the medical claim made with XXXX XXXX XXXX verifying the above stated amounts. In addition, I am also attaching a file downloaded from my HSA account website showing all of my transaction, on row 63 you can see that I paid the {$160.00} on XXXX on transaction number XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I closed the account, it was a secured credit card and they sent me a closed letter account but they keep calling and harassing me. They dont leave their name or why they are calling. And when I ask who is calling they hang up on me. 

Capital one. Tuesday, XX/XX/2021 at XXXX am XX/XX/2021 at XXXX pm and XX/XX/XXXX at XXXX pm. When it says on the account and my credit score the account was closed.

Company response to consumer: Closed with explanation