vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: MI

Complaint narrative:
On XX/XX/2021 I contacted TransUnion about removing an erroneous inquiry, from my credit reporting. I informed TransUnion that I attempted to resolve the issue with the reporting creditor to no avail and was now XXXX XXXX XXXX ) attempting to file a dispute with them. They gave me the number to the FTC and told me to call. They said I needed to request a letter from the FTC, upon which one would be sent, in support of removal of the inquiry. I would need to send that letter that I would receive from the FTC, plus written correspondence to XXXX  PO Box to have the inquiry removed. I have been unsuccessful finding out or receiving answers to the inquirys removal and XXXX  has misled me with bad information in regard to getting it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Amazon Synchrony bank was notified in XX/XX/XXXX of charges on my Amazon credit card. 
The charges on account totaled {$420.00}. 
I had not used the Amazon card for two years. I should have a XXXX balance. It showed six separate charges showing books purchased every week in XX/XX/XXXX. 
Synchrony bank said we will show fraud and cancel card. We will send you a replacement. Not to worry. 

Well they have denied my claim and show I owe the total. 
I have called Synchrony bank since XX/XX/XXXX to XX/XX/XXXX. 
I sent copy of orders with information on the account to support the fraud and display the tracking numbers displaying other addresses, all addresses were XXXX XXXX, Georgia. 

I sent the bank police report case number dated XX/XX/XXXX. It was determined the package delivered was not my address and not books. The recipient was contacted. 

Synchrony send letter of denial XX/XX/XXXX. 

I have appealed their decision with supporting documents and as of today, still declined. 


I never ordered books and I never charged anything.

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 2021-02-03 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: TX

Complaint narrative:
I disputed several accounts for big inaccuracies and only one account was removed for only one bureau while there are more inaccurate accounts, besides, investigation is taking so long and the bureaus haven't sent any response.

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 2021-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
I have contacted this company several times about freezing my credit report and not sharing any information about me to anyone. I have submitted my Security Freeze request well over 45 days ago and submitted a new request and the company has still failed to place a security freeze on my credit report. I have attached proof of my identity below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: NY

Complaint narrative:
Disputed a bill from XXXX XXXX that showed up for 3 months in XXXX, marked as delinquent then was somehow marked as payed. I have no record of payment, I have not had a XXXX XXXX account since XX/XX/XXXX. In retaliation for questioning the report, XXXX XXXX has now marked this same account as delinquent for XX/XX/XXXX and XX/XX/XXXX, previously it was marked as paid and closed in XXXX. They have provided no information as to where this account came from, and I have no knowledge of the balance or the service provided.

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 2021-02-03 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: FL

Complaint narrative:
Dear ..., I am forced to contact you directly as I am victim of Identity theft, recently I saw my report nd I got shocked. There is an account that I do not recognize absolutely I guess somebody used my personal information, or its an error however I want you to delete it from my report as I can not move on in my life. Please check and this information and come back to me shortly. Thank you

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 2021-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Technology Federal Credit Union
State: FL

Complaint narrative:
Made {$4000.00} in deposits by mobile check deposit, and checks cleared out of bank into my new account. Bank suspended debit card and atm and frozen account and kept my deposits. I reached out and been hung up on multiple times. I complained to report them and First Tech Federal credit union said do it no one will do anything. They have had funds for a month now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I received a notification for debt settlement in the amount of {$83.00} from CBE Group over a year ago regarding a debt owed to XXXX XXXX. I disputed the debt, sending a written letter within the 30 day period requested. I never received any further letter from CBE validating the debt nor asking for any further information on my behalf. Recently, on XX/XX/2021, a collection report in the amount of {$83.00} showed up on my credit score, thus effecting my overall score. Am I correct that CBE must legally verify debt before taking action on an individuals credit? The debt is not valid and I have not seen any validation of it. I have kept outstanding credit my entire life and have had nearly perfect credit, paying everything on time, so this is extremely concerning and unfair. Please help keep companies like CBE accountable for their legal liabilities and fraudulent actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX has been reporting incorrect payment history to all three credit bureaus. My loan and been in deferment and forbearance all of 2020 until now, but the mortgage company is reporting me being 60+ days late to all three bureaus. I have called them in and I have sent them a letter in XX/XX/2020 asking them to correct my payment history. I can not be late if there haven't been any payments due. 

They are violating the rules of the FCRA, the CARES ACT, and the Fair billing act by reporting incorrect payment history to Transunion, XXXX, and XXXX. Each bureau is reporting different payment information because XXXX  refuses to fix their reporting. 

I have included my letter to them requesting that they correct the payment history, the forbearance letter from them, and a copy of my credit report showing the incorrect payment history.

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 2021-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: PA

Complaint narrative:
Received a text to my cell phone about a debt. When I called, they had my social security number and stated it was a payday loan from XX/XX/2012. I never took out a payday loan. They said it was in the amount of {$790.00} and they wanted my credit card number. They have my current address and my previous address. His name is XXXX XXXX and it is case number XXXX from ACE Cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: PA

Complaint narrative:
XXXX - REQUESTED PROOF OF VALIDATION OF ACCOUNT, REQUESTED VERFICATION OF DEBT LETTER, REUESTED PROOF OF ASSIGNMENT OF ACCOUNT, REQUESTED BREAK DOWN OF ALL FEES OWED, REQUEST NOTICE IN WRITING ABOUT REFUND FOR {$24000.00} DUE TO ME FOR OVERPAYMENT, REQUESTED FOR ACCOUNT TO BE DELETED UNTIL AMOUNT DUE IF VALIDATED PER THE FCRA AND FCDPA BUT COMPANY IGNORED MY REQUEST ; I AM ALSO A VICTIM IF EQUIFAX SECURITY BREACH, ALL INCORRECT INFORMATION NEEDS TO BE DELETED ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX - REQUESTED PROOF OF VALIDATION OF ACCOUNT, REQUESTED VERFICATION OF DEBT LETTER, REUESTED PROOF OF ASSIGNMENT OF ACCOUNT, REQUESTED BREAK DOWN OF ALL FEES OWED, REQUEST NOTICE IN WRITING ABOUT REFUND FOR {$24000.00} DUE TO ME FOR OVERPAYMENT, REQUESTED FOR ACCOUNT TO BE DELETED UNTIL AMOUNT DUE IF VALIDATED PER THE FCRA AND FCDPA BUT COMPANY IGNORED MY REQUEST ; I AM ALSO A VICTIM IF XXXX  SECURITY BREACH, ALL INCORRECT INFORMATION NEEDS TO BE DELETED ASAP

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 2021-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio recovery is harassing me almost daily. About 6 months ago I finally answered and they said I owed this debt from XXXX  XXXX about {$400.00} and I told them I don't owe anything, I currently have XXXX  XXXX and have bought a house and refinanced in the last two years and this debt is not on my credit. I have told them to send me in writing the debt and that I would like to have the calls stopped. It continued and I kept getting calls every day for multiple numbers and is beyond harassment. I sent a letter a couple weeks ago explaining all of this again to them and to cease and desist all contact with me. They have still been calling me, almost every other day. I do not owe this debt and I'm so frustrated. I looked up the company and there gave been multiple lawsuits against them for the same issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I entered into a consumer credit transaction with only the U.S. Department of Education only in 2013. However, Great Lakes Educational Loan Services Inc. acted as the servicer and debt collector for this alleged loan. They have violated countless federal laws by collecting, attempting to collect an alleged debt and illegally sharing transaction details of a federally protected consumer with several other uninvolved parties and without my prior written consent. I have begun my private administrative process and attached below is my first Affidavit of Truth, Cease & Desist letter, Exhibits and Invoice for all there willful and negligent violation of federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I opened an account with Commenity Bank or A.K.A. XXXX XXXX  around XX/XX/XXXX, In XX/XX/XXXX I was traveling throughout XXXX at the time and unfortunately I had lost my debit card on 2 separate occasions the first time in XXXX XXXX when I notified the bank of any transactions that were not mine. After 10 days the applied a provisional credit and then the second time unfortunately in XXXX, I had lost my card and at the time I had my phone stolen. I had been using my digital card a lot because I was traveling and I was trying to prevent any type of identity theft which is common in the areas I was traveling through.. I was contacted by XXXX because there was a numerous suspicious charges on my account. So I closed the card filed a dispute and in 10 days I received a provisional credit. Well in the end if XX/XX/XXXX I was notified they denied all my disputes and would be taking back all provisional credits they had provided me in the past. 4 times I contacted a XXXX XXXX  to ask why they had changed there decision and they promised to send documentation as to why they were denied. Nothing has been received still as of XX/XX/XXXX, I asked if I could appeal this decision to all my disputes and I was told no that all decisions were final. They took back in total about {$1300.00}. Since then they closed my account I can not access statements and I am told that any funds left will be mailed to me but will not provided any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
This account was Opened XX/XX/XXXX closed on XX/XX/XXXX ( 1 yrs, 7 mos ) {$300.00} Reported balance Remarks : Charged off as bad debt Profit and loss write-off Company : SYNCB/AMAZON PLCC XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ) XXXX This account has 18 late payments posted on my report and I had or have no knowledge of it. If you could help me with this matter I would appreciate it. {$300.00} is not worth it to risk my credit score. If I had knowledge of any debt with amazon I would've paid it or disputed immediately. They ( Amazon ) never reached out to me by email or by phone. I only found out about this recently when XXXX XXXX gave me a plan to fix my credit after I inquired about trying to get a VA loan for a house. I logged in XXXX XXXX afterwards and saw the details ( as stated above ). I wish I would've been checking my credit report and not just my credit score as it looks like it has been there for a while. I just had to look a little deeper. Originally I thought my credit score dropped 100 points due to my credit to debt ratio increasing up to 508 % in XXXX. Please help me if you can because my credit score used to be 720+ and now its like XXXX. 

Thanks

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 2021-02-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
REQUESTED PROOF OF VALIDATION OF ACCOUNT, REQUESTED VERFICATION OF DEBT LETTER, REUESTED PROOF OF ASSIGNMENT OF ACCOUNT, REQUESTED BREAK DOWN OF ALL FEES OWED, REQUEST NOTICE IN WRITING ABOUT REFUND FOR {$24000.00} DUE TO ME FOR OVERPAYMENT, REQUESTED FOR ACCOUNT TO BE DELETED UNTIL AMOUNT DUE IF VALIDATED PER THE FCRA AND FCDPA BUT COMPANY IGNORED MY REQUEST

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
Back in XX/XX/2020 I settled with Kay Jewelers and they were suppose to report to the credit bureau as a XXXX  balance they yet to do so. Since this has been misreported for months now I want this REMOVE NOW!!!! .. The promise on their part was not upheld like my was when I paid the settlement. They have had plenty of time to report to a XXXX  balance and have decided not to do.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: NV

Complaint narrative:
The original debt amount was incorrect. I settled on a 3 payment payoff after agreeing to the final amount of {$230.00} which was more than the original final payment. The collection 's representative NEVER informed me of an ADDITIONAL charge for each payment. The first payment as stated by the representative XXXX on XX/XX/2021, at approximately XXXX XXXX, was in the amount of XXXX with two additional payments of {$66.00} to be automatically deducted on XX/XX/2021, and XX/XX/2021. Today, I looked at my bank account, and the company withdrew an extra XXXX without my permission or knowledge. When I contacted Receivables Performance Management to inquire, they said it was an additional fee for service. This information was never presented to me or I would never have agreed to the settlement as the original amount was incorrect as I had told them. This is a practice of deception to the consumer and particularly in a time of pandemic and financial devastation for many, including myself.

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 2021-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: AL

Complaint narrative:
MediCredit represents XXXX XXXX Hospital, they have reported a 2009 dollar debt on my credit report that does not belong to me. I have disputed this debt. They have not proven that this debt belongs to me and they continue to damage my credit with it. They take accounts and resell them to debt collectors or the debt collectors change their names and continue to harass citizens for money that they do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
REQUESTED PROOF OF VALIDATION OF ACCOUNT, REQUESTED VERFICATION OF DEBT LETTER, REUESTED PROOF OF ASSIGNMENT OF ACCOUNT, REQUESTED BREAK DOWN OF ALL FEES OWED, REQUEST NOTICE IN WRITING ABOUT REFUND FOR {$24000.00} DUE TO ME FOR OVERPAYMENT, REQUESTED FOR ACCOUNT TO BE DELETED UNTIL AMOUNT DUE IF VALIDATED PER THE FCRA AND FCDPA BUT COMPANY IGNORED MY REQUEST

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 2021-02-03 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: CCS Financial Services, Inc.
State: AL

Complaint narrative:
Credit Collection Service is reporting an account from XXXX XXXX that is not mine. This is the same account that they were recently reporting on my dad 's credit report with the same account number, same balance, same open date, same last active date, etc. All information is the same. This account is not mine. The company can not move an account from one person to another person. Note, my dad and I have the same name. However, the suffix at the end of our name is different and all other identifying information such as SSN and date of birth are different. This company needs to get their records straight or be sued!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: Credit Karma, LLC
State: VA

Complaint narrative:
I used Credit Karma Tax to file my taxes for 2018. They misled me by making me omit an important tax form that caused me to owe more than I reported ( {$7000.00} including penalties ). This was the first time I received payments as a consultant and wasn't sure how to process it. I wasn't aware I needed to upload this form because they didn't ask me about it like my previous tax preparing software did ( XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation