vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-03 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I filed a dispute with the credit bureaus that this account is incorrect. XXXX XXXX XXXX is stating that I have a balance of {$370.00} from Synchrony Bank. I have informed them numerous times that this account was paid in full years ago with Sam 's club   but yet XXXX XXXX continues to report it. I called them to request a payment for deletion letter to just be done with this and get it removed from my credit report to which the agent XXXX XXXX stated that he can not discuss any payment options with me via the telephone. I am requesting that XXXX XXXX get an update account information from Sam 's club and remove this collection from my credit file. If they still state that I owe money, I am requesting that they submit to me a payment for deletion letter so that I can pay whatever they fraudulently think that I owe have this removed from all credit reports! The account original # is XXXX. The XXXX XXXX XXXX account # 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 2020-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
BB & T Servicing is not sending any mortgage statements. Their online portal also does not contain any mortgage statements. I emailed them through their portal to demand that they issue me my mortgage statements and they have not done so.

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 2020-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: MI

Complaint narrative:
In XXXX of XXXX I opened a new account with XXXX purchasing a new XXXX and XXXX. I decided I did not want the service soon after the purchase so I went back into the same store and returned both devices the next day. I was told by the sales rep that I had 14 days to return the devices and cancel service. Recently I was checking my credit reports for accuracy and I realized I have a collections account with Source Receivables for {$1200.00}, the exact amount for both devices. I contacted Source Receivables to try and figure out why I was being charged for devices I returned and they told me I needed to provide them with a receipt showing I returned the devices and the account would be deleted from my credit report. I emailed the receipt to the company on XX/XX/XXXX. On XX/XX/XXXX I received an email stating I was credited for {$780.00} instead of the full amount. I again contacted Source Receivables to try and figure out what was going on and the rep told me " you will not receive the full amount when you return items ''. I asked her several questions regarding why and she was unable to answer anything. I was told to contact XXXX. I called XXXX and they were unable to give any information because I was unable to remember a PIN number on an account I had for 1 day!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03 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: KS

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX TransUnion allowed two unauthorized hard inquiries on my TransUnion Credit Report to an unknown inquiry.

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 2020-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: MS

Complaint narrative:
I have been trying to work with Fay Servicers Mortgage for months now. I have submitted an application to catch up my mortgage which was never approved because they tried to for me to buy homeowner/flood insurance that I was unable to get because of my credit scores while still charging to my account the lender 's forced insurance payments that are added to my mortgage monthly. 

I have tried on 4 occasion to make payments of which they are refusing. They will not work with me at all.

Could you please help and tell me what to do next. I do not want to file for chapter XXXX. I have lived in this house more than 16 yeas.  Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: ENCORE CAPITAL GROUP INC.
State: PR

Complaint narrative:
There is a company named Midland Credit Management that is calling my house number. 
I don't know why they are calling cause I am using the Do Not Call Registry. I don't have debts outstanding or in arrears with any company. 

I WILL KINDLY APPRECIATE YOU HELP ME TO TELL THIS COMPANY TO DELETE MY NUMBER FROM THEIR LIST. 

THEY HAVE A WEB PAGE, BUT CAN NOT BE ACCESSED UNLESS YOU HAVE AN ACCOUNT, WHICH I DON'T HAVE. 

THEY ARE CALLING 4 OR 5 TIMES DAILY. IT IS EXASPERATING. 

THANK YOU IN ADVANCE FOR YOUR COOPERATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Toyota Financial Service received a check paying off the loan completely on XX/XX/XXXX ( It was traded in the first week of XXXX XXXX. Payoff check was delivered through XXXX XXXX   tracking # XXXX. The check was received by XXXX  @ XXXX on XX/XX/XXXX. 
Although the check was received Toyota has not processed the payment and I have received multiple harassing collections calls. Even after explaining to each representative that has called that the car payment has been sent and received and being promised that the account will be updated to reflect the payment and no more collection calls will be made, my account continues to show past due and I continue to get harassing, rude collection calls and it is now XX/XX/XXXX. The last rep I spoke to her name is XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc.
State: NJ

Complaint narrative:
Hello I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that should not be listed. 
The inquiry was made by Factual Data/XXXX on XX/XX/2018 and I have no recollection of doing any business with Factual DataXXXX. I did not consent or give any authorization for my credit report to be viewed by your company. 
Please investigate these inquiries, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I was sent multiple ( at least five ) ads to open a savings account with Citibank and was promised frequent flyer points and a 0.75 % interest rate ( apy ). Immediately upon depositing the money they set my rate to 0.5 %, 2/3 of what was promised. I consider it false advertising and fraud. 

I called them and they said they have the right to change interest rates anytime they want. I've told them they have to honor what they advertised since it was on that basis that I opened the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citibank " closed '' my account, however they have not stopped accepting my payments and apparently still want to keep our relationship around long enough to get paid. That's fine. Well I want to view my transactions and account activity. 

Citi Bank closed my Mastercard out of retaliation and revenge earlier this year. They then locked me out of my online activity and will not allow me to access the card activity that had already occurred. 

If Citi wants me to continue making payments on the balance due, I want to continue to be able to see what it is I am making payments on.

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 2020-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NY

Complaint narrative:
Dovenmuehle mortgage paid my XXXX Property tax after I paid it. This has always been non escrow account. They mailed check on XX/XX/XXXX without notifying me they were doing this. 
They have been playing me along trying to get their refund back from XXXX Tax dept. each time I call with exact procedure for their refund they say they spoke to someone at XXXX tax & their refund would be 2 weeks. It is now almost a month no refund because they did not follow the procedure & not speaking to the person in charge. They want me to a ) pay them the thousands $ $ & they will eventually refund me when they receive their $ or b ) pay my mortgage plus over {$2000.00} each month to pay them back. 
Help. Never missed a payment in 21 yrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Santander keeps on adding additional fees to my account and I have tried to have them fix my account but they keep delaying it and adding more fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
I got a card issued through work and have had no issues till about 3 months ago. The card company is called money network. My card was declined while at a store but I had other means of payment and thought nothing of it. XX/XX/XXXX I attempted to use the card yet again to pay for college textbooks and other bills but was declined again. I called the company and was told my card was on hold, they never told me the reason, but told me to fax over my identification issued from the government, my proof of residency and my social security. I sent them out on Tuesday XX/XX/XXXX around XXXX or so. I called again the XXXX because my card was declined again. They said my ID was blurry. I sent my ID out on XX/XX/XXXX at XXXX in the afternoon. I called later that day. The card company told me they never received any of the faxs and that I needed to fax all three again. I asked to speak to a supervisor and he claimed it was just my ID, so I faxed it again XX/XX/XXXX at around XXXX. I called pretty much every day sense and have been told multiple things regarding why my card was still on hold. Several supervisors and customer service representatives have told me misleading information or left out information that would have helped me. I attempted to close my account and get a refund issued but they refused. I asked for documentation as to why it was on hold and they refused. Have not been able to use my account since around mid 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 2020-09-03 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: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
Santander USA has lost a lawsuit which alleged illegal practices for 35 states. It is attached. I will be entitle to compensation based on this lawsuit. All 3 credit bureaus have incorrect information submitted to them by Santander which shows my account as a charge off with money due to them. I have requested an extensive amount of information from Santander which they did not provide. That letter is attached. They can not validate the debt, loan terms are incorrect on my credit, they charge more than stated per the contract, charged more interest than the principal, fees that are not valid, never supplied me with any charge off information or why when I was STILL PAYING on time during their alleged charge off month of XX/XX/XXXX and OVERPAID according to my statement from XXXX until present. This is my last step before small claims court and they will not even provide me their legal address to serve them papers. This company has devastated consumers including me and after 8 years and paying them XXXX for a XXXX vehicle its enough. They even have listed my vehicle as a commercial vehicle making the contract null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: MI

Complaint narrative:
XXXX XXXX has lost a lawsuit which alleged illegal practices for 35 states. It is attached. I will be entitle to compensation based on this lawsuit. All 3 credit bureaus have incorrect information submitted to them by XXXX which shows my account as a charge off with money due to them. I have requested an extensive amount of information from XXXX which they did not provide. That letter is attached. They can not validate the debt, loan terms are incorrect on my credit, they charge more than stated per the contract, charged more interest than the principal, fees that are not valid, never supplied me with any charge off information or why when I was STILL PAYING on time during their alleged charge off month of XX/XX/XXXX and OVERPAID according to my statement from XXXX until present. This is my last step before small claims court and they will not even provide me their legal address to serve them papers. This company has devastated consumers including me and after 8 years and paying them XXXX for a XXXX vehicle its enough. They even have listed my vehicle as a commercial vehicle making the contract null and void.

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 2020-09-03 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: MI

Complaint narrative:
XXXX XXXX has lost a lawsuit which alleged illegal practices for 35 states. It is attached. I will be entitle to compensation based on this lawsuit. All 3 credit bureaus have incorrect information submitted to them by XXXX which shows my account as a charge off with money due to them. I have requested an extensive amount of information from XXXX which they did not provide. That letter is attached. They can not validate the debt, loan terms are incorrect on my credit, they charge more than stated per the contract, charged more interest than the principal, fees that are not valid, never supplied me with any charge off information or why when I was STILL PAYING on time during their alleged charge off month of XX/XX/XXXX and OVERPAID according to my statement from XXXX until present. This is my last step before small claims court and they will not even provide me their legal address to serve them papers. This company has devastated consumers including me and after 8 years and paying them XXXX for a XXXX vehicle its enough. They even have listed my vehicle as a commercial vehicle making the contract null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX has lost a lawsuit which alleged illegal practices for 35 states. It is attached. I will be entitle to compensation based on this lawsuit. All 3 credit bureaus have incorrect information submitted to them by XXXX which shows my account as a charge off with money due to them. I have requested an extensive amount of information from XXXX which they did not provide. That letter is attached. They can not validate the debt, loan terms are incorrect on my credit, they charge more than stated per the contract, charged more interest than the principal, fees that are not valid, never supplied me with any charge off information or why when I was STILL PAYING on time during their alleged charge off month of XX/XX/XXXX and OVERPAID according to my statement from XXXX until present. This is my last step before small claims court and they will not even provide me their legal address to serve them papers. This company has devastated consumers including me and after 8 years and paying them XXXX for a XXXX vehicle its enough. They even have listed my vehicle as a commercial vehicle making the contract null and void.

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 2020-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I keep getting billed for lock box with chase I never had one and don't have one now

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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: CA

Complaint narrative:
I was the victim of identity theft, which resulted in some accounts being opened in my name by fraud.

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 2020-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Attempted to pull {$500.00} from a Wells Fargo Bank ATM the money never came out, but it was taken out of my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
rushmore loan management services extended to me a 3 month furlough due to covid 19. 
i started paying the loan last month and they refused my payment saying i was late and the payment wasnt sufficient. 
i called the company and they stated they never gave me a covid furlough. 
i have all the paperwork at home regarding the payment relief they issued to me. 
they also file a missed payment with the credit reporting agency. 
which is false. 
they returned the check to me. so the payment was made they just refused the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am trying to transfer money to my wife Citibank account. I am explaining to the rep something is wrong with the website and app. I explained to them I can not clear the browser on a Federal Government computer. I am asking for the routing number rep is refusing to provide me with the bank routing information.

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 2020-09-03 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: CA

Complaint narrative:
I was the victim of identity theft, which resulted in some accounts being opened in my name by fraud.

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 2020-09-03 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: CA

Complaint narrative:
I was the victim of identity theft, which resulted in some accounts being opened in my name by fraud.

Company response to consumer: Closed with explanation