vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
On the date of XXXX XXXX I received a notification about my credit score stating that I owe {$5100.00} to Credence Resource Manage . The original lender was XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
In XXXX of 2021, I filled out a paper application in a TJ Maxx store for a credit card. I was told by the store clerk this would not put a hard inquiry on my credit -- but I have a record saying on XX/XX/2021, I did have a hard inquiry. I provided my accurate email address and phone number on the application and on my TJ Maxx account. I never received further contact about the card, via mail, email, or phone number, and I assumed the application had not gone through. 

Today, XX/XX/2021, I checked my credit score to find out I had a bill from the said rewards card, owned by Synchrony Bank, which I have never received contact from. The bill was over 120 days overdue and I had never received contact about it. When I attempted to pay it online, I found I needed an account number, which I had never received. 

I called customer service and found the account had been closed, but I was able to pay it off using my debit card. My credit score has dropped over 100 points because of this incident and will take years to recover. I am single, almost XXXX XXXX XXXX, and can not rely on the credit score of a spouse when I need to use a line of credit. I'm infuriated, and frankly embarrassed, because I have otherwise never missed a credit payment and before this the only detriment to my credit score was that I am young and my credit is too new. 

I want Synchrony to take accountability for their lack of attempt to contact me, and for causing my credit score to drop so dramatically for a bill that was less than {$300.00}.

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 monetary relief
Consumer complaint received 2022-01-16 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: PA

Complaint narrative:
XXXX XXXX  ( aka XXXX XXXX payments ) refunded to my account {$11000.00} that I have a refund slip. It was sent to the original account ComenityXXXX XXXX Credit Card opened XX/XX/XXXX. The account was closed and paid in full XXXX, XXXX. The re-assigned credit card number is on my credit report. The refund fromXXXX XXXX was made XXXX, XXXXI have called so may times to Comenity bank and the same thing over and over is stated. You do not have a credit card with Comenity Bank. I have the listingon my crdit report and I have a credit card statement with my name, account number, address, etc. I paid off the {$11000.00} XX/XX/XXXX. I did so because of the interest, etc. There is a whole long story behin thisXXXX XXXX XXXX REFUNDED THE MONEY TO COMENITY BANK XXXX XXXX, XXXX. They stated their policy is to send to the original purchase point. I have a dialogue with XXXXXXXX XXXX. I sent a USP priority Mail packet with all the documentation I have to Comenity Bank XXXXs XXXX XXXX XXXX XXXX, XXXX. The tracking on this packet stated Comenity received this packet XX/XX/XXXX, XXXX dI received a letter bacvk thaat the account is closed and the balance is zero. SO what happened twith the {$11000.00} refunded by XXXX XXXX. I have documentaTION TO SUPPORT MY COMPLAINT. I can uplod my credit report pages as well. I have not scanned them as yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-16 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: Kikoff Inc.
State: FL

Complaint narrative:
you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : XXXX ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
XXXX ) What is your authorization of law for your collection of information? 
XXXX ) What is your authorization of law for your collection of this alleged debt? 
XXXX ) Please evidence your authorization to do business or operate in the state of Florida. 
XXXX ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried to cancel the experian membership several times. Its long hold times I am told the wrong dept. no response to emails the chat lines are always closed now they are blocking me from seeing my credit report when I tried to cancel the membership prior to the 30 days trial. 

They should remove the block and cancel the {$24.00} membership It wont even allow me to contact them to cancel the membership

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 2022-01-16 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: Premier Auto Sales, Inc.
State: FL

Complaint narrative:
you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : XXXX ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
XXXX ) What is your authorization of law for your collection of information? 
XXXX ) What is your authorization of law for your collection of this alleged debt? 
XXXX ) Please evidence your authorization to do business or operate in the state of Florida. 
XXXX ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-16 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: Westlake Services, LLC
State: FL

Complaint narrative:
you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX v XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2 ) What is your authorization of law for your collection of information?

3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please evidence your authorization to do business or operate in the state of Florida.

5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: TN

Complaint narrative:
On XX/XX/2021, I requested Experian to investigate the following items in my consumer file, XXXX XXXX XXXX  XXXX XXXX XXXX ( {$410.00} ) XXXX. XXXX XXXX XXXX ( {$7900.00} ) Inquiries : XXXX XXXX XXXX. 
Experian responded that Items were verified. 

On XX/XX/2021 I requested a reinvestigation on the same items, I requested a written procedure to determine accuracy and the written results of the investigation. 

I received a response after 30 days. 

Experian Responded the items were verified but refuses to respond with the written instruction I requested. 

On XX/XX/2021 I sent a no response on written instruction and made Experian aware that they have violated me as a consumer. 

Experian is withholding information in my consumer file and refuses to comply with the federal law. 

Experian doesnt have any permissible purposes to obtain any information in my consumer file, Experian is benefiting from my credit card, without authorization. That's causing XXXX to my reputation and XXXX to my family and living mode without explanation. 

Experian has yet to respond to the instruction that I Requested. 

Experian is reporting items that's inaccurate and it's obvious that this information is inconsistent, inaccurate and unverifiable. I've attached documents highlighted in yellow showing what's being furnished about my reputation is all different and as the original creditor this information is incorrect and needs to be deleted.

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 2022-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I received a Federal Student Loan from XXXX, upon graduation XXXX XXXX was the servicer on the Loan. As of XX/XX/XXXX my loan was transferred to Nelnet. My payments with XXXX XXXX were {$770.00} at a 6.9 % interest rate. Upon transfer my loan payments are {$800.00} with a 7.125 % interest rate. I was trying to seek information regarding the interest rate increase, in addition to payment and account history since XXXX. Nelnet told me to contact XXXX XXXX, XXXX XXXX told me to contact Nelnet. In the meantime, neither company has account history for the last eleven years, nor can they provide me with answers regarding the interest rate increase. I would like access to all of my loan documents, signed agreements, payment history, etc in addition to an answer as to why the interest rate increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
Name XXXX XXXX Date XX/XX/2022 Companies involved : Consumer Portfolio Services and XXXX XXXX XXXX On XX/XX/XXXX I went in to XXXX XXXX to purchase a vehichle. They are known to work with people in bankruptcies. I am currently in a Chapter XXXX and I had my approval letter from the trustee and all the documents that were asked of me. After 8 long hours I was financed by Consumer Portfolio Services. I asked the salesman 100 times was I financed because I didnt want to drive off with a car that I would have to bring back. 
XXXX XXXX called me for a welcome call from the finance department. I have a speech impediment and it takes me a while to respond and speak. She seemed annoyed so I asked if I could call my fiance mid thru the interview because she seemed annoyed. After setting up my banking info with the finance company and purchasing insurance, now 2 weeks have passed and XXXX XXXX wants the vehichle back. I made a down payment, purchased insurance and other items. XXXX claimed they rescinded on the loan because I did not disclose I paid XXXX XXXXt. This is clearly false. I submitted all my check stubs and it clearly shows that I pay XXXX XXXXt. I need my vehichle to get to work, and I dont have money to just give away. I think the loan was rescinded because I dont speak well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase credit card services was claimed that I rented a car on XXXX XXXX 2021. It was not my charge. I was working from home in XXXX GA that day and have proof with a check stub attached. They have come down ro the conclusion twice that it is my charge because I have a history of renting from XXXX is why. It's not fair for me to have to pay for someone else 's charges because I have a history with XXXX. I rented from XXXX in XXXX on XX/XX/XXXX to the XXXX and showed that I paid with my credit union debit card. I refuse to pay for someone else 's charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My credit card company failed to inform me about the penalties they imposed to me, i called costumer service XX/XX/XXXX XXXX they just told me they sent letter to me no action being made in favor to me which i feel this is not my fault they should call me and send email to me to make sure i dont get trouble with my credit card they dont do it because they want collect more money to me this is just a small amount of money but for me as laborer or just getting per hour job this is big to me and i feel injustice of my credit card company. they even failed inform to me that i have to pay them {$500.00} interest after XXXX of my credit card being activated, if i know this i never accept this agreement therefore i felt being a victim fraudulent activity of my credit card company

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 2022-01-16 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Proof of a XX/XX/XXXX {$250.00} charge by XXXX XXXX, written documentation that the charge was made is urgently needed. 

Synchrony Bank advised that there was/is NO WAY that can provide any documentation. I requested that generate a pdf. of the charge and they said they could not and would not provide a pdf. or text or email me this written proof. 

I was XXXX because I can not show proof of this payment to XXXX. 

I need this documentation now to prove my innocence and to have this arrest record expunged. 

I used my one call from prison detention to Synchrony Bank sand they refused to help even when zzz I asked for this to be escalated to their legal representative. 

The last 4 digits of my SS # are XXXX ; my home address is XXXXXXXX XXXX  XXXX XXXX, XXXX, NY XXXX : the last 4 digits of my Synchrony XXXX  credit card are XXXX ; the card is valid through XX/XX/2024. 

I appreciate your help and the swift response from Synchrony Bsnk.

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 2022-01-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Social Finance, Inc.
State: MN

Complaint narrative:
I ( XXXX XXXX ) signed up for a personal loan with SoFi via a referral link from my husband, XXXX XXXX on XX/XX/21. The loan was funded and eventually paid off. However, SoFi has denied the promotional referral bonus of {$300.00} each to both of us. They state that because I had previously referred him for a personal loan and we both received a referral bonus for that loan, that we are disqualified from the additional referral bonus. I reach out to SoFi repeatedly over the past several months and they eventually decided to deny the bonus. They quoted their referral link terms which state : " You will not receive multiple referral bonuses for the same friend taking out multiple loans or products, nor will your friend receive multiple welcome bonuses for taking out multiple loans or products. '' However, that is not the scenario under which I am requesting the referral bonus. Neither of us has taken out multiple loans. He took out one personal loan in the past, and I took out one personal loan, hence those terms which were used to justify denying the referral are not applicable to our situation. Hence, we should both qualify for the {$300.00} bonus ( for me as a referee and him as a referrer ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: National Credit Systems,Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2022-01-16 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo suddenly closed all Personal Line of Credits and this is affecting my credit score badly. I have tried contacting them and they are not doing anything to fix this issue.

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 2022-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC
State: TX

Complaint narrative:
Flagship reports I paid late During XXXX, XXXX, XXXX and XXXX of XXXX and from XX/XX/XXXX through XXXX of XXXX in collections status. I had attempted on several occasions to make payment arrangements with lowered payment amount however they denied and continued to charge same amount plus late fees. The reason for my request was I was experiencing a financial hardship at that time as my daughter was in and out of hospitalization and experienced a loss in the family

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 2022-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
My name is XXXX XXXX, PayPal account number is XXXX. I have been noticed an unauthorized PayPal international money transfer of {$1200.00} USD on XX/XX/2022 by text message, and I have notified PayPal for unauthorized transfer and open dispute case on XX/XX/2022. The case ID is XXXX. The money is {$1200.00} USD ( NT {$31000.00} TWD ) is transferred to XXXX to someone I dont know, and from my XXXX XXXX credit card. It seems that the money is still on hold till XX/XX/XXXX, and PayPal could reverse the transaction. But I received the email from PayPal today said they consider the fraudulent transfer activity valid. Which is definitely not true at all. Please take action to cancel the money transfer immediately and reverse the fraudulent transaction asap. Thank you!

Company response to consumer: Closed with monetary relief