vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XXXX XXXX XXXX  was the date SYNCB/TJX CO appeared on my credit report along with XXXX charges ( per conversation with XXXX customer service rep on XX/XX/2022 ). I never applied for this card. Reported it on the XX/XX/XXXX to XXXX XXXX Customer support letting them know I did NOT apply for this card and I have never applied for a store credit card with that company. Spoke with credit restoration specialist on XX/XX/2022 ( from XXXX ) as well as discussed case with SYNCB/TJX CO to dispute and remove from credit report. So contacted XXXX and XXXX to report and placed security freeze on all three credit reporting accounts. SYNCB/TJX CO to delete card and take action on their end to investigate ( per conversation on the phone with them and XXXX Credit restoration specialist ) on XX/XX/2022.

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 2022-11-29 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: AR

Complaint narrative:
I recently sent a dispute out to Equifax on XXXX for an account that doesn't belong to me. I have yet to receive any correspondence from Equifax and it has been over 30 days. Under the Fair Credit Reporting Act, the account XXXX XXXX XXXX must be deleted since Equifax has failed to respond to the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Predatory Servicing- NewRez LLC XXXX ShellPoint Mortgage Servicing XX/XX/XXXX XXXX sent XXXX Notice of Intent from ShellPoint to foreclose. First attempt was XX/XX/XXXX. 

Trial and Final Judgment dated XX/XX/XXXX and dismissed with prejudice. 
Shellpoint ignored final judgement details for XXXX years and now is creating a new default date " to be in compliance '' with a judgement of XXXX  years ago. In doing this after XXXX years- which they could have done long ago- they have now created a new default date on an offer I was never offered and a much larger amount due from XXXX years ago. 

Missing payments- never applied for XXXX  years ; abusive and deceptive servicing Fabricated delinquent dates XXXX  in an effort to foreclose on a default I never had in the first place. I spent thousands of dollars of legal fees for over XXXX years trying to get the judgment enforced. In those XXXX years no one ever adjusted the balance or credited the payments I paid and have cancelled checks for nor offered me any payment plan as they should have over 6 years ago. ( XXXX years previously with another servicer ) Please see attachment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: FinCo Services Inc DBA Current
State: AZ

Complaint narrative:
My account has gotten money stolen out of it from a XXXX XXXX account ( {$1400.00} ) ( XXXX XXXX ). When contacting XXXX, they asked for my information and none of it matched with the account that my money was going to. When discussing the situation with one of their customer care representatives, they said that it was indeed fraud and to have the money refunded through my financial institution. After showing these documents and statements to Current, they still have denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CENTRAL BANCOMPANY, INC
State: IL

Complaint narrative:
I opened an account on XX/XX/XXXX ( Checking + savings ) with Central Bank in person at the XXXX, MO branch. The girl who signed me up said she was new and she had XXXX XXXX who I believe is the assistant branch manager ) behind her coaching her what to do to open my account. As part of a new customer promotion with Central Bank, I was offered a sign a sign up bonus of {$400.00} after meeting certain requirements ( {$300.00} checking bonus + {$100.00} savings bonus ). To receive these bonuses, I was told I needed to make at least 2 direct deposits and have the account open for 90 days to receive the {$300.00} bonus in my checking account. I was also told I would receive {$100.00} extra bonus if I also opened a savings account and put {$500.00} in it. I funded the account with a XXXX payment of {$550.00} and moved {$500.00} into savings to get the extra {$100.00} bonus. 

On XX/XX/XXXX, I called Central Bank to inquire about a fee that was charged to my account on XX/XX/XXXX which resulted in my checking account now reporting a - {$0.00} balance. I spoke to XXXX who explained it was a maintenance fee to me that was being charged because I did not have a direct deposit during the previous statement cycle ( unlike the firs/previous two months ). I asked since I was unaware if he could provide a one time fee waiver and he said it was not possible. I then asked if there was anything I needed to do to avoid getting extra fees and he said no as there are no extra fees added when a negative balance is result of a maintenance fee. I also asked him if he could provide me with an expected date of when my bonuses would be deposited as he confirmed I met the requirements and he said that it could take up to 21 days for the bonuses to report as accounts are manually reviewed. 

As the bonuses still had not reported, I called to inquire about the status and was told Central Bank was disqualifying me from both bonuses because their maintenance fee put me at a negative XXXX cents balance on day 91 of my account being opened. I tried to explain and spoke to XXXX and she also directed me to to talk to the branch manager XXXX to which I left a voicemail. On Tuesday XXXXXX/XX/XXXX, branch manager XXXX returned my call and already knew the details of my account and why I was calling before apprising her of why I was calling. She said there was nothing I could do to get either bonus and was also denying me the extra {$100.00} in my savings account. I asked about escalating and she said there was nothing she/I could do so I asked about filing a CFPB complaint and she suggested I try that route to get my expected resolution though it didn't seem like she knew what the CFPB is.

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 2022-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, XXXX 's sent me an email in acknowledging they have received my billing error dispute for the amount of XXXX. XXXX 's is indicating that I have a past due amount when the amount in question is in dispute. From my knowledge, when an account is in dispute they are not to report my account late for any reason. The creditor shall not take any adverse action against the obligor for disputing his or her account. The online account is showing that account in question is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
XX/XX/XXXX : Received a billing statement for an account with Comenity Bank that I was unaware was still active. I previously opened this account to buy something on XXXX month special financing terms which ended in XX/XX/XXXX. The current billing statement showed 22 individual {$.00} charges which I did not recognize. Based on previous experiences with other creditors, this is a typical activity of fraudsters. This particular card issuer apparently lacks safe gaurds to identify this type of activity. Any other banks I have worked with would have called me to notify me of such illegal activity. The card was unused for years and then randomly has numerous small charges in a row. Seem 's like a red flag but I am no expert. 

XX/XX/XXXX : Went to the card issuer 's website from my home computer which had a login and password saved on it for their website. I called the number on the website to report a fraud claim. Spent XXXX hours hold over the phone and was unable to report to their fraud department. The only person I was able to communicate with was through a 3rd party call center. I sent messages on XXXX and their online portal to call me and cancel the card. I was contacted via XXXX support then and was told someone would call me the following business day. 

XX/XX/XXXX : I received a phone call today and was immediately put back into a phone queue with seemingly endless hold time. I've waited hours on hold for the past 2 days. I can not manage my workflow and keep waiting on hold so I have yet to report the illegal activity. It is not reasonable to wait on hold all day to report fraud. I have a job and a family to care for. This company should have the proper staff to accept fraud reports in a reasonable amount of time. I still have not reported this to their fraud department and can not wait on hold for hours to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022, I applied for a new checking account with XXXX XXXX  XXXX XXXX XXXX. Since I have a credit freeze with all three credit reporting agencies, I was informed Equifax is the credit agency the bank uses. 

I temporarily lifted the Equifax credit freeze. At the time of the freeze lift, Equifax showed my credit score to be XXXX. When I went back to sign various banking documents, I was given a document showing my credit score to be XXXX. When I questioned the bank representative about the significant credit rating difference ( more than 100 points difference ), she said she would investigate the matter. In addition, I contacted Equifax directly and was told the XXXX score is based on a proprietary formula and often other financial institutions may use a different credit rating formula. However, the Equifax credit score showing XXXX should have been the score issued to the bank. In a follow up call with the bank representative, I explained that Equifax had stated the credit score of XXXX should be the credit score the bank received by Equifax. This means that the bank has their own credit rating formula. The bank representative indicated the score of XXXX is what was received by Equifax. 

I have asked to see the actual credit report the bank received from Equifax. Also, I stated if the bank uses a different formula for determining credit ratings, I wanted that information too. As of today, there has been no further communication with the bank. Either the bank is lying or Equifax. There is a serious problem when the three credit reporting agencies show a credit rating of over 800 points and a bank tells me my credit score is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-29 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: MS

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
Case # XXXX My cash app was hacked by people I don't know... When I made a report/ claim I was told not to worry .. they are working to fix the issue of me being hacked and XXXX $ being stolen from my account.. upon further investigation... I noticed all my information on account page was all different/ changed to the hackers information... I told the operator / tech I spoke with about this .. she helped me change my information back ... THEN... In process of making a decision to refund my stolen money the cash app people sent an email to my hackers... Asking them if there was an issue with MY account.. of course they said no being as they just got away with stealing XXXX $ from me... I'm sure they found this hilarious, however myself, being as I'm on a fixed income living from check to check, found this a huge inconvenience to me. 
Please help me right this unjustified wrong doing by the cash app company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and result from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA Section 605b. In order to help prevent false information from being submitted to my report, I have included a few papers. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 US.C 1681 section 602 A. States I have the right 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more man seven veers 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate 15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2022-11-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 US.C 1681 section 602 A. States I have the right 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more man seven veers 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate 15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Repeated calls almost at every hour. I've blocked the number but they still call using a different number ; I'm still able to see on my caller id that it's Midland Credit. On XX/XX/ at XXXX I said to the individual calling to put my number on their XXXX XXXX They called again today XXXX  at XXXX. I did not answer. But having calls from them at every hour feels like I'm being bullied, harassed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
accounts have been open in my name that i did not apply for and inquiries to my credit have been made that i did not request

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I received a bill in the mail from Affirm claiming that I owe {$100.00} and Ive never used Affirm before.

Company response to consumer: Closed with explanation