vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
Synchrony Financial issues a XXXX XXXX XXXX Credit card. With this card, you earn rewards in the form of XXXX Dollars that you can use to satisfy a XXXX XXXX or to acquire XXXX products. I have been a cardholder since very early in the history of the XXXX XXXX XXXX. Recently, due to known and shared technical issues, Synchrony tracks the XXXX Dollars earned BUT it is NOT posting this information on its own Mobile Application or transferring the information to XXXX. The net-effect of this is that the XXXX Dollars earned XXXX NOT be accessed or utilized. And, if you miss a XXXX billing cycle, you end up not being able to use the Reward Dollars to pay that invoice. 

This happened a few months ago. I reported it, complained about, and the situation was fixed. BUT it took a huge effort. NOW, it is happening again. My paper XXXX PDF XXXX statement accessible on the XXXX XXXX website indicates that I earned {$150.00} Reward Dollars through XX/XX/2021. HOWEVER, the XXXX and XXXX applications indicate XXXX XXXX ZERO XXXX  XXXX Dollars. I am attaching screenshots that show all of this. 

XXXX has to know about this and by NOT fixing it or failing to make sure it works XXXX knowing there were historical problems XXXX  it is undermining the very purpose for using the XXXX XXXX card. Essentially, the XXXX Dollars earned are being held XXXX and made so cardholders like me can not access the very benefits that were earned. 

The fundamental purpose for the Visa Card is, therefore, being undermined and rendering inoperative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX is currently updating an account on a monthly basis that was XXXX in a Chapter XXXX Bankruptcy over XXXX years ago, on XXXX and XXXX  XXXX reports XXXX which violates the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
Since at least as of XX/XX/2021, I have been receiving calls at my cell ( XXXX ) from Comentiy Capital Bank for a XXXX XXXX debt owed to them from XXXX XXXX. ( Background : This woman is my father 's ex-wife and they divorced when I was a minor in XXXX and I haven't spoken to her in over 20 yrs ). My voicemail identifies me by my first and last name so the caller will know who they are trying to reach when they get my voicemail. 
I first received calls from a XXXX and a XXXX area code, as early as XXXX XXXX  ( PT ). I have voicemails from them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. By XX/XX/XXXX the calls began to come from a XXXX area code ( primarily XXXX and XXXX ). The calls are increasing and the most recent message, left on XX/XX/XXXX at XXXX ( PT ) by a Mrs. XXXX (? ) from XXXX, used my name in the greeting saying they are trying to reach " XXXX XXXX XXXX ''. This number had previously called me on XX/XX/XXXX at XXXX ( PT ) and also called again on XX/XX/XXXX at XXXX ( PT ). On XX/XX/XXXX at XXXX ( PT ) Mrs. XXXX called again from the XXXX number and I answered and informed her this was not the number of XXXX XXXX , I had been repeatedly called by this number, and to take my number off their list. 
My understanding is that a creditor may only contact a 3rd party for a debtor 's debt once. I have at least 8 documented attempts of them contacting me for Ms. XXXX 's debt. They have also contacted me before XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX I have no problems or issues with getting Transunion, or Experian free yearly credit report. But ever since Equifax had that huge data breech about 5, 6 years ago getting an online free credit report has frankly been a real pain in the XXXX. 

I'm tired of it. I don't think it's right that I should have to pay for their XXXX up every single year. 

Once again, snatching XXXX from the XXXX of XXXX, they refused again- this year. On XX/XX/XXXX, I wrote them in writing requesting a copy of my credit report- if they won't let me download it online, then they can send it to me by mail. 

Today is XX/XX/2021, that's 7 weeks ; I'm fairly certain that once again Equifax is blowing me off. 

XXXX XXXX I want to know why, in writing, when I have a total credit score of XXXX they told XXXX to decline my application. XXXX XXXX number : XXXX ) I don't know which is more irritating : that I can't download my credit report, that when I requested in writing an explanation of why my XXXX gas card application was rejected with an average credit score of around XXXX, or they haven't fixed their system after 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX is currently updating an account on a monthly basis that was XXXX in a Chapter XXXX Bankruptcy over XXXX years ago, on Experian and XXXX  XXXX reports XXXX which violates the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX is currently updating an account on a monthly basis that was XXXX in a Chapter XXXX Bankruptcy over XXXX years ago, on Experian and XXXX  XXXX reports XXXX which violates the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 non-monetary relief
Consumer complaint received 2021-07-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a fraudulent account reporting onto my credit report. I have pointed this out to XXXX, XXXX, and Experian. XXXX  and XXXX has resolved the issue. The results from XXXX has came back as deleted but Experian has not resolved the issue. I have sent Experian several FTC reports and several lettersXXXXExperian has ignored all letters and FTC reports. Every time I call Experian, they tell me that they did not receive my FTC report, with is a lie because I sent my letters certified mail. My certified mail shows me that they have received all of my letters. Experian has violated several of my rights and they have not taken my situation seriously. I have not receive any results from them. They have not responded to any of my letters at all. I have not receive any letters from them in the mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: MO

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND XXXX XXXX ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. IND. XXXX ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: MO

Complaint narrative:
Back in XXXX I went into XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX Mo XXXX to purchase a car at this time they received my information ( SSN # ). Fast forward to XXXX I received an email stating my credit report was ran by XXXX XXXX XXXX XXXX on XXXX XXXX. I have not been to this dealership nor inquired on any services from this dealership since XXXX. I contacted the dealership and spoke with the manager where I was informed my information was still on file and my credit was ran by mistake. The manager also notified they would send a letter to the credit agencies to correct their mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
My checking and savaving account are closed by XXXX XXXX XXXX on XX/XX/2021, because I have deposit a check amount {$3800.00} that I have received by XXXX from XXXX XXXX XXXX XXXX to purshases some devises to work with it .It seems that this check is returned for the reason-Enable to locate Acc.After that theu report me to Credit Reporting Agency CRA ( Chechx system and XXXX XXXX XXXX ), Currently I was rejected by the financial institution to open a new account.I w

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
My name is XXXX XXXX and I am inquiring about an account thats noted on my XXXX  Credit Report. I have called XXXX  to inquire about that account and they gave me your info to contact you. I then contacted your bank and they have no info on the account and what it pertains to. It is critical that I obtain written confirmation saying that account isnt mine or whatnot from you in order to removed it from my credit report. May you please respond back as soon as conveniently possible. My XXXX XXXX husband is getting XXXX soon and its vital that we close on this pending house for our children and I so that he can be at peace while hes XXXX. We have been calling around to find out more about that account thats opened under my name because I have no recollection of ever opening an account with XXXX XXXX XXXX  Thank you so much for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: GA

Complaint narrative:
I have tried for for over 1 year, and 6+ certified mailings to correct these invalid entries on my consumer credit file for each of these following credit reporting agency. THEY IGNORED ALL OF MY LETTERS ABOUT LEGAL COMPLIANCE. I sent them multiple Credit File DISPUTE LETTERS to correct the following errors : CREDIT REPORTING AGENCIES : 1. EQUIFAX, INC CREDIT FILE ERRORS : 1. Incorrect Address Reporting ( multiple entries ), Willful NonCompliance.

2. Invalid Bankruptcy Reporting, Fraudulent Unsubstantiated Re-Investigations.

3. Fraudulent Collection Agency Reporting, Unsubstantiated Re-Investigations.

VIOLATIONS : 1. Violations of the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). 
2. Willful NonCompliance, ( e.g. as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D. Cal XX/XX/1995 ). 
3. Failure to respond satisfactorily within 30 days of receipt of consumer dispute.

4. Fraudulent Unsubstantiated Re-Investigations. 
CHARGING : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
I was order into mediation by the courts with Mr. Cooper XXXX Mortgage Co. ) They RECEIVED ALL DOCUMENTS that was required. The Modifications status would CHANGE or DELAY!! Every attempt to contact Mr. Cooper was meant with NO RETURN CALLS. 
Only to receive a letter dated XX/XX/21 That they could not completed or give me a Modifications due to paperwork was not given ON-TIME. 
This is BOGUS/FRAUD..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Credit Service of Logan, Inc.
State: MD

Complaint narrative:
Issue is with making payments. Company will not accept debit or credit cards. These methods allow payments to be made on time. As a result of having to drop payments I am late and fees are added and once again they are trying to repossess. They accept checks but deposit to soon causing NSF and as a result not able to write checks. When I demanded to wait for deposit the check clear but after they refused to take checks as prior the one that cleared they deposited two early and they did not clear. Money orders are dropped but payments could be on time if we the consumers could pay by card. I am seeking some resolution with help us the consumers to pay by cards. Please advise. The payment collect method keeps the consumer behind and at risk of losing property along with fees added.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1981 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX I.C. SYSTEM, INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious I.C. SYSTEM, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1981 ADDRESS XXXX XXXX XXXX, XXXX, FL 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