vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-21 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: FL

Complaint narrative:
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 I'm being taken advantage of and being ignored for my disputes. 
I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused report me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: CCS Financial Services, Inc.
State: AL

Complaint narrative:
Upon review of my credit report, I noticed accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the creditor. I am providing information on these disputes. I am demanding these accounts be blocked from my credit report, due to the fact that they are not valid and/or they are not caused by me. I am a victim of identity theft an I have submitted documents several times.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Intelligent Mortgage and Consulting Services LLC
State: FL

Complaint narrative:
In extremely small print I was able to identify this company .While American service members stand ready to defend the nation, smalltime scammers and large corporations alike have them in their sights. 

Intelligent Mortgage & Consulting Services XXXX XXXX XXXX, XXXX XXXX, XXXX Liink : XXXX XXXX XXXX This company its using my name and personal information for marketing and solicitation without my consent. My name is being used into a multiple systems of marketing, Im receiving misleading # XXXX from this company also located at : Intelligent Mortgage & Consulting Services XXXX XXXX XXXX, XXXX XXXX, XXXX The amount of letters and unsolicited junk mail offering its very confusing VA- Loan offers will not stop. I just don't understand why this company is harassing me with unsolicited and never requested mail and loan offers. Misleading label ACTION REQUIERED XXXX I wo would like this company to stop once and for all. 

This company needs to respect the fact that my name is at the every credit bureau op-out list to included also the DMA. Please ask this company why they don't respect that, and Im pretty sure they're excused will be that my name got obtained out public records. I would like to know where? 

Please stop remove my name out their data base, and ask every marketing company associated with this company not to use my name. I'm a handicap, I'm a war veteran and also I'm a senior citizen being target by this misleading junk unsolicited mail. We military personnel get a steady paycheck and valuable benefits from Uncle Sam. And the eventual transition back to civilian life gives the scammers even more opportunities to target us the troops. 

I had never requested, and I will never do business with this company. STOP do not contact me, do not call me, do not mail me, do not email me please. 
Remove my name please from the headquarters and any marketing agency belonging to this company.. Do not contact me never no longer. ask your marketing companies not to contact me. DO NOT SALE OR DISTRIBUTE MY PERSONAL INFORMATION WITHOUT MY CONSENT-Respect the fact that my name its at the OP - Out list at the three credit bureaus and the XXXX I will contact the attorney general in LA if this harassment don't stop I had never requested your junk mail with my personal information STOP Please. Thank you

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I applied to be a Tennant at XXXX XXXX in 2020 and was told that all it was required was a {$50.00} application fee. 
At the end of the application, I was surprised with an additional {$500.00} as a " deposit. '' I inquired if I paid the deposit and decided not to move in if I would be refunded. The representative guaranteed me that yes I would be fully refunded. 
I decided NOT to move in, and asked for my deposit back. Months went by, and not only did not XXXX XXXX NOT refund my deposit but sent me an invoice for another {$570.00} claiming I had not paid the deposit and the application fee plus a {$25.00} returned check fee. ( I paid with a CC, not a check. I have and sent them both my CC statement and the receipt XXXX issued me for payment of the fee, and they still continue to charge me ) XXXX sent me to collections and reported me to a credit agency which ruined my credit. Even though they were the ones who owned me money. 
I took this issue to Small Claim Court and won a settlement for XXXX XXXX to pay me {$570.00} + Interest. 
XXXX refuses to pay the judgment and continue with their collection attemps and trying to ruin my credit even though I proved in court I was correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: CURO Intermediate Holdings
State: AL

Complaint narrative:
I contacted credit reporting agencies beginning XX/XX/2021 via certified mail disputing this account ( as it is not mine ) then was told it was verified I requested a reinvestigation and information on how this account was verified on XX/XX/2021 to the credit reporting agencies via certified mail and was told it was verified by creditor once again. XX/XX/2021 I then wrote creditor AD Astra Recovery Service requesting that this debt be validated including application with my personal signature. I received letter from creditor stating that it has been determined that information is consistant with information provided by client. I then sent another Letter via certified mail XX/XX/2021 again disputing this information and requesting that application bearing my personal signature and once again received the same exact letter from 1st request. There was no proper investigation or reinvestigation from the Credit reporting agencies nor creditor to validate this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX a fraud account I have the FTC report filled out my information was stolen thru data breach I have all documentation to show prof I would like that account that dont belong to me to be 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
Consumer complaint received 2021-09-21 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: NC

Complaint narrative:
XXXX XXXX a fraud account I have the FTC report filled out my information was stolen thru data breach I have all documentation to show prof I would like that account that dont belong to me to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I went to The XXXX XXXX store located in XXXX XXXX in XXXX XXXX XXXX, FL to buy 3 brushes and a shower cap. When I approached the register to pay for the items the store manager asked if I wanted to join their reward programs for discounts and I said to her sure, I just want to make sure that it is not a credit card and she replied : No, this is not a credit card, this is just a reward program I noticed that she asked for my drivers license but I didnt think it was a red flag because I thought that she needed it in order to have me join the reward program. Later about 2 weeks later I received a XXXX credit card in the mail, and I was furious! I called the bank, and they didnt know how to help me. I proceeded to call XXXX XXXX  corporate Office : XXXX and they created a case number:XXXX and apologized for what the employee did. I just reported the fraud to Equifax, and they need a report from FTC/ CFPB. I only own 2 credit cards : the XXXX card for my business and an extension of my husbands XXXX XXXX XXXX Credit Card. Therefore, I am not used to applying for Credit Cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc.
State: FL

Complaint narrative:
I got a loan modification with a new balance of {$180000.00} XXXX. I have a mortgage statement showing balance is {$160000.00} for one loan and {$0.00} balance for the other loan XXXX. Both loans have same initiation and maturity dates. Only one loan shows {$160000.00} balance due on credit reports yet servicer Real Time Resolution still sends collection letters for the {$0.00} balance loan not on any credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I have requested that some accounts on my consumer report be investigated. I sent letters to the three major credit reporting agencies requesting these accounts be investigated and the investigation took well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In summary, this was an inactive account to which an erroneous charge of {$4.00} was debited by a Vendor in XX/XX/2021. The account started incurring fees ( {$48.00} ) based on this erroneous charge. 

I was not aware of any of this activity until I received a call on XX/XX/2021 about the status of the account from Comentiy Bank Collections ( XXXX XXXX XXXX ) with whom I disputed the balance due to the non-use of the card. I don't believe they opened a dispute at the time, they continued the reporting. 

Subsequently, I had to contact the Vendor to get this matter investigated and resolved. The Vendor since has acknowledged their error and pushed through a credit to the account.

I spoke with Commenity Banks XXXX XXXX XXXX again on XX/XX/2021 who was kind enough to have the fees removed. They told me I have to speak to Customer Service to have the Credit Reporting History updated to remove any delinquency reporting. The discussion with Customer Service was not as fruitful as they advised they can not handle or make any corrections to the credit history reporting. After further inquiry they provided a dispute address. 

I am formally requesting for Comenity Bank to please adjust the credit reporting history removing any reported delinquencies as applicable for XXXX, XXXX, and XXXX. This charge never should have been charged and was removed by the Vendor acknowledging their mistake to my detriment and my credit history should reflect that accordingly as a XXXX balance account from XX/XX/2021 through year to date..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-21 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: CMRE Financial Services, Inc.
State: IL

Complaint narrative:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. CMRE Financial Services Inc violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ) ,15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a Bank of America EDD account, I live in California and somehow someone was able to make several transactions at one time in XXXX completely draining my account. I have reported this to BoA before the payments even posted and Bank of America said they wouldnt call the merchant to block or reverse the transactions and that they needed to post before they could make a fraud claim. It has been two weeks sense i made my claim and boa still has my claim processing and there is no point of contact to reach out to via phone or email to see why its still pending. They are just telling me to wait. And theres nothing they or i can do until it either gets approved or rejected. This edd program is under contract that recipients are supposed to be refunded for fraudulent claims. This bank seems to think if they leave my claim pending that they dont have to reimburse me my money.

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 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
We have submitted a letter from Equifax indicating that they were deleting seven hard inquiries from our credit report. Instead of reading the letter they continue to offer us paid subscription services as a solution to our complaint We do not want to pay for Equifax services we want them to do what they stated they would do in the attached letter -- DELETE SEVEN ( 7 ) UNAUTHORIZED HARD INQUIRES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Possible Financial Inc
State: CA

Complaint narrative:
I have requested that some accounts on my consumer report be investigated. I sent letters to the three major credit reporting agencies requesting these accounts be investigated and the investigation took well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A.
State: CA

Complaint narrative:
BBVA is a fraudulent company.

BBVA unilaterally closed my account without any notice or explanation to me.

I timely paid my balance in full last month and was told that would bring my account to {$0.00}.

I checked my account today and found that I am being charged {$6.00} for Interest charge promo charge and {$1.00} minimum charge.

I called BBVA and spoke to XXXX XXXX. I asked for an explanation of these new charges - she didn't provide one. I asked to have the {$7.00} reversed- she refused. I asked to speak to a supervisor- she said there was no-one available and they would call back but didn't say when. I offered to pay the {$7.00} if she would provide written confirmation that no more charges would be incurred- she refused. 

I want this matter investigated. I will not pay these fraudulent charges without verification that doing so will bring the account to {$0.00} for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been charge {$270.00} on my credit card from XXXX but they denied any charge for that amount but it showed on my credit card statement but when I disputed it with the bank they asking to wait 90 days witch way too much specially I didnt make those charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2019 with an amount of {$300000.00}.

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 2021-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
A correspondence was sent on XX/XX/21 in regards to collect a debt of {$42.00}. This company violated multiple laws : 1.Violation 15 USC 169 2e ( 2a ) was done by reporting a positive amount of debt owed.

2.Violation 15 USC 169b ( 3 ) was done by printing the logo on the top of the page.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK
State: WI

Complaint narrative:
On XX/XX/XXXX I made charges on my TCF debit card. TCF posted three of the charges on the XXXX and three of the charges on the XXXX. Also on the XXXX I made a XXXX XXXX dollar cash deposit. TCF only made XXXX of the XXXX XXXX available. Causing four overdraft fees of XXXX each. The remainder of the XXXX XXXX would be released the following day. 
First of all " who holds cash deposits ''. What is the reason? If TCF would post in real time I would have no overdraft fees. Instead they post in what ever order gets them the most fees. Something they have already been sued for. They have been doing this to me since I opened my account. They should be stopped!

Company response to consumer: Closed with monetary relief