vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank closes 5 account stating the I was a high risk for failure pay. 3 account are {$0.00}. One {$2500.00} approx and another {$6600.00} approx. 
I have never missed a payment and I have an excellent payment record. 
Call bank and they claim the credit bureaus reported me as a high risk. I checked all my reports and call all credit bureaus and none claim that I am a high risk. I have never missed a payment and that is what my statement reflect. 
Call bank again and they told me they can not help me an log the complain. They can only see that I am a high risk and no other information has been given. 
I have asked all the operators I talked to if I was delinquent in any payment. They all confirmed my accounts were always pay on time. 
I want to understand why Synchrony Bank is lying about my financial behaviour and why they closed my account with no really fundament in their claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: EQUIFAX, INC.
State: LA

Complaint narrative:
This agency is reporting inaccurate information to my credit file associated with trade line XXXX XXXX ; Inaccurate open date. I didn't receive enough information to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
My name XXXX XXXX XXXX I use paypal to get money from a car sale which my first time using this and they lett me setup an account just fine so i sale a car through XXXX the guy pays with paypal  then drives from north Carolina to tennesse to pick up car then when he arrives back home he makes a claim to paypal  and XXXX he never recived the car which he did pick up so they take the money back then he loses the claim and they put money back to my paypal but pay pal   says I'm risk so they close my account and now wont let my hold off my account I have XXXX kids I need my money I deserve the guy has my car I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: NY

Complaint narrative:
Identity theft. I do not recognize this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Cottonwood Financial Ltd.
State: AZ

Complaint narrative:
These people keep calling me saying I owe a payday loan from 2015 to The Cash Store. ( The store is located in a state i have never lived in ) They called my mother and my sister in law stating I wrote bad checks and that I have a warrant out for me. I have never taken out a loan or written bad checks. I called them back and tried to get their address and business name. They refused to give me their address but gave me their name as XXXX XXXX XXXX XXXX. They got very aggressive with me when I refuse to give them any personal details until I verified if they were legit. He said I was going to be served with court papers if I didn't pay. The man then stated my full social security number over the phone in front of at least 2 known workers and my date of birth. I asked him to send me an email with confirmation of who they were again he became aggressive. This is the 2nd time I have tried to dispute this claim with this company and they won't stop harassing me and my family. I'm afraid that these are scanners because now I know they have my full social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$4900.00}, {$6300.00}, {$7800.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 2020-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$4900.00}, {$6300.00}, {$7800.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of  verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 2020-07-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$4900.00}, {$6300.00}, {$7800.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of  verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: Mr. Cooper Group Inc.
State: DE

Complaint narrative:
In XX/XX/XXXX I financed my home with a USDA rural housing loan for {$100000.00}. XX/XX/XXXX I put my home up for sale at XXXX XXXX XXXX XXXX, PA XXXX with XXXX XXXX XXXX due to employment need. The home could not sell and foreclosed XX/XX/XXXX {$2400.00} to the Mr.Cooper Bank whom was serving the loan at that time. On XX/XX/XXXX the Bank sold said home at auction for XXXX and the consumer later sold the home to its current owner for {$110000.00}. In XX/XX/XXXX I was notified by Mr. Cooper that the USDA insurance coverage satisfied the balance roughly {$33000.00} which was in line with my loan type. The account was reporting as early as XXXX on all major 3 credit reports as {$0.00} balance. However I discover Mr.Cooper Bank started reporting the mortgage again for the loan amount of {$100000.00} as if they never received payment. I called Mr.Cooper at XXXX on XX/XX/XXXX and spoke with XXXX representative in TX who informed me that is was I still owe and that she had no record of sale and or money received from USDA funding which guaranteed the loan. And because of that they had a right to report the balance as unpaid. The loan # is XXXX. She say the property is currently bank owed, a completely false statement. Public record shows this property was sold at auction! And Federal Money paid the remaining balance. This bank is in violation of FCRA and Fair Debt Collection Acts. This misinformation is impacting my debt to income for a new loan. Also the are trying to collect money for a loan that was satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
Dovenmuehle Mortgage account was disputed and removed in XX/XX/XXXX from my XXXX  credit report. This was a mistake, at the time of the first reporting account was unfamiliar but in fact valid.This was due partly to the loan being transferred from my previous lender, which I was unaware of at the time of the dispute. Since then, the account has been reported by Dovenmuehle the lender as accurate and updated monthly. Yet, XXXX still continues to suppress this information and essentially blocking the tradeline. As of XX/XX/XXXX account was reporting creating a fico score of XXXX, as of XX/XX/XXXX this information went missing resulting in a lower fico score of XXXX. This is damaging to my credit score and worthiness as a consumer. Covid-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
Noticed a debt collection on my credit report from XX/XX/2020. I disputed the amount and recieved paper work about 45 days later. I didnt have the money to settle/pay debt. I was able to pay debt in XX/XX/2020. I reached out to Convergent Outsourcing to settle debt. They stated they no longer had this account it was transferred to another collection agency. I was able to contact the agency who had my account and the debt was paid and no other action was needed. I reached out to Convergent to request that the collection be removed from my credit report as they no longer had the account. I spoke with several representatives as well as " supervisors '' to rectify the situation. I just wanted something stating that they were going to delete the account from my credit report. I was told varying stories about how they wouldnt give me a letter stating it would be removed, but they requested the deletion to the credit bureaus. I asked if I could have documentation of that and they refused. They said I would have to wait until they reported their monthly progress to the credit bureaus. They were supposed to update on XX/XX/2020 and it has not. I am trying to get a mortgage and can not because of this.

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 2020-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BYL Collection Services
State: MS

Complaint narrative:
Company placed alleged account for collections on my credit report. I never received any mail or notice. I was not notified and allotted the proper information in order to verify or dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Since XXXX until today, XXXX XX/XX/XXXX, my Credit Score has been nearly 850 for 2-years. I am a member for 30+ years! 
American Express stopped all unsecured loan applications without a detail explanation to the customers. My account has not received unsecured loan offers since XXXX, so the reason can not be Pandemic related. 
This is unacceptable, as it appears the company is hoarding its cash reserves for undisclosed reasons to the customers. 
Please investigate! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
In XX/XX/XXXX I financed my home with a USDA rural housing loan for {$100000.00}. XX/XX/XXXX I put my home up for sale at XXXX XXXX XXXX XXXX, PA XXXX with XXXX XXXX XXXX due to employment need. The home could not sell and foreclosed XX/XX/XXXX {$2400.00} to the XXXX Bank whom was serving the loan at that time. On XX/XX/XXXX the Bank sold said home at auction for XXXX and the consumer later sold the home to its current owner for {$110000.00}. In XX/XX/XXXX I was notified by XXXX XXXX that the USDA insurance coverage satisfied the balance roughly {$33000.00} which was in line with my loan type. The account was reporting as early as XXXX on all major 3 credit reports as {$0.00} balance. However I discover XXXX Bank started reporting the mortgage again for the loan amount of {$100000.00} as if they never received payment. I called XXXX at XXXX on XX/XX/XXXX and spoke with XXXX representative in TX who informed me that is was I still owe and that she had no record of sale and or money received from USDA funding which guaranteed the loan. And because of that they had a right to report the balance as unpaid. The loan # is XXXX. She say the property is currently bank owed, a completely false statement. Public record shows this property was sold at auction! And Federal Money paid the remaining balance. This bank is in violation of FCRA and Fair Debt Collection Acts. This misinformation is impacting my debt to income for a new loan. Also the are trying to collect money for a loan that was satisfied.

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 2020-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
In XX/XX/XXXX I financed my home with a USDA rural housing loan for {$100000.00}. XX/XX/XXXX I put my home up for sale at XXXX XXXX XXXX XXXX, PA XXXX with XXXX XXXX XXXX due to employment need. The home could not sell and foreclosed XX/XX/XXXX {$2400.00} to the XXXX Bank whom was serving the loan at that time. On XX/XX/XXXX the Bank sold said home at auction for XXXX and the consumer later sold the home to its current owner for {$110000.00}. In XX/XX/XXXX I was notified by XXXX XXXX that the USDA insurance coverage satisfied the balance roughly {$33000.00} which was in line with my loan type. The account was reporting as early as XXXX on all major XXXX credit reports as {$0.00} balance. However I discover XXXX Bank started reporting the mortgage again for the loan amount of {$100000.00} as if they never received payment. I called XXXX at XXXX on XX/XX/XXXX and spoke with XXXX representative in TX who informed me that is was I still owe and that she had no record of sale and or money received from USDA funding which guaranteed the loan. And because of that they had a right to report the balance as unpaid. The loan # is XXXX. She say the property is currently bank owed, a completely false statement. Public record shows this property was sold at auction! And Federal Money paid the remaining balance. This bank is in violation of FCRA and Fair Debt Collection Acts. This misinformation is impacting my debt to income for a new loan. Also the are trying to collect money for a loan that was satisfied.

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 2020-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX  account was disputed and removed in XX/XX/XXXX from my Equifax credit report. This was a mistake, at the time of the first reporting account was unfamiliar but in fact valid.This was due partly to the loan being transferred from my previous lender, which I was unaware of at the time of the dispute. Since then, the account has been reported by XXXX the lender as accurate and updated monthly. Yet, equifax still continues to suppress this information and essentially blocking the tradeline. As of XX/XX/XXXX account was reporting creating a fico score of XXXX, as of XX/XX/XXXX this information went missing resulting in a lower fico score of XXXX. This is damaging to my credit score and worthiness as a consumer. Covid-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i checked my account and theres was MULTIPLE transactions i did not do, I filed claims with my bank ( bank of america ) and they just did denied it in a matter of 4 days. I am sick all of my money is gone

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 2020-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I applied for the Apple Card on XX/XX/2020, I got a denial due to only one reason : " You have recently been past due ''. 

This is NOT true! I checked my XXXX  credit report and there is NO lates in the last 7 years? It said I had a score of XXXX, I don't know how someone can have that score with " past due payments ''. 

Please review and correct, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I owe {$0.00} to XXXX  and card should be active. 

card is stayed i owe money and closed. This is in accurate

Company response to consumer: Closed with explanation