vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: CARD Corporation
State: CA

Complaint narrative:
I got a card.com card specifically for the XXXX they offered to me and my friend the referrer if I satisfied their direct deposit amount by a certain date. I got the dd info immediately online they said I could set it up even before my card came in mail I gave it to my employer and they tried to do my pay it wouldn't work .I never got my card and I had moved so I called them to advise and that my dd wouldn't work they said they would send a new card and to try dd again I did again my employer tried it didn't work. I got a card and after 3 attempts my pay went on there but then they never gave me or my friend the XXXX and when I called about it they denied us because its only for " 1st '' time 1st card issued. Because I never did get my card the first one nobody knows still where it is, and tgey had sent a second card which I have now they say im not eligible! Thru no fault of mine, the card I have was and is my first account and card with them they know I never received first card, they are calling this card my 2nd card! They are rude and wouldn't link me to anyone for escalation so I quit routing my pay to card and now tgey keep charging me every month a service fee for not having my dd now I am on unemployment and I need that XXXX for me and my friend .we met their requirements and I have never gotten or been able to use the first account because I never got a card XXXX is their number XXXX bank is issuer through card.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found several items on the report that are inaccurate. The account in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the account listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please dont respond to my request by saying that the account has been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following account be properly verified or removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX USA ACCOUNT NUMBER : UNVERIFIED AMOUNT LISTED ON CREDIT REPORT XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc.
State: WA

Complaint narrative:
On XX/XX/ 2020 I made an online ( XXXX ) payment to my medical account with XXXX XXXX XXXX in the amount of {$190.00} by debit card. The account payoff was for my guarantor account # XXXX, which includes several invoices all tied to my guarantor #. In XX/XX/2020 I received a notice of collection from Central Portfolio Control ( CPC ) for {$120.00} for the same account that I paid XXXX months earlier, I asked for details of the collection which they would not provide - so I contacted their corporate to no response, and filed a XXXX  complaint. I also contacted XXXX to ask about my paid off account, they said that my online payment was not distributed correctly to pay off my invoices ( internal issue ), where one showed a credit and the other showed a balance owed. XXXX did not distribute the payments, stated they would make the correction and contact CPC to pull back the collection notice. That was completed and corrected in XX/XX/2020. On XX/XX/2020, CPC files a collection on my credit for this same issue from 2020. I have already remedied through XXXX where XXXX confirmed the debt is not collectible as it was paid in full to Highline in XX/XX/2020. Details, dollar amounts, etc. are all identical to their previous attempt. I need this remedied again with CPC as they are asking for additional payment on something Ive already paid and closed with the original creditor, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I applied for credit at XXXX XXXX store card through Synchrony Bank and was approved for an interest rate of approximately 14 %. I went to the store and made a purchase based on that. At the time of purchase I was offered a 0 % deferred interest rate for 12 months with the rate going up to 28 % at the end of the term. I declined that offer because I preferred the 14 % rate. 

I received my first statement today showing an interest rate of 27.99 %. At no time during the approval process was it indicated that the interest rate had increased. Of course I would have accepted the 0 % offer if I'd had any doubt that my rate was much lower than 28 %. In addition to the statement, I received a letter indicating I had not received the best rate they offer. 

I contacted the store to see if they could apply the 0 % deferred interest offer and they directed me to call Synchrony. 

I contacted Synchrony at XXXX on XX/XX/2021 the first agent indicated they would try to get the 0 % offer applied to my account, which could take up to 2 billing cycles. She indicated that it would be applied retroactively and any interest charges in between would be credited back. After escalating to a supervisor on the same call, I was told that applying the 0 % offer wasn't possible through Synchrony and that I would need to go to the store. Further, I was told that 27.99 % is the best offer available which is counter-indicated by the letter I received. 

After being disconnected several times I ended with an agent that indicated she would request the 0 % offer and that all customers get 27.99 % interest for this card. She did not believe that applying the 0 % offer would be possible. 

To be clear, I tried to get the 0 % deferred rate applied as a less-bad outcome. My preference would be to apply the promised 14 % rate to my account. That is the basis on which I made the purchase. 

Synchrony - XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, WI 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 2021-02-21 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: MO

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found several items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

ACCOUNT : XXXX XXXX account number ending in XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citi Reference Number : XXXX " We will continue to send you a monthly billing statement as required by federal law as you are still legally responsible for making required payments for your account. '' Send me billing statements as often as you'd like, they will only get ignored. I am not responsible for making required payments because I don't owe your company a dime. I had disputes on my account that were left unresolved, including disputes where I showed you proof of the merchant billing me twice but you still went in favor of the merchant. There's {$600.00} in just one dispute alone that you told me you were crediting back to my account permanently. You later on decided to undo that action. You can not tell a customer you're making a conditional credit permanent, and then later on bill them for it. I also have your promise of a permanent credit for the nearly {$600.00} charge in writing, and I will be using it for supporting documentation, along with proof of all other disputes your company mishandled. And I will be reporting this to the credit bureaus, as well as whatever collections agencies you decide to sick after me. So I suggest you save your time and effort right now and remove the balance from my account, which is only as high as it is due to all the late fees and interest charges which have incurred due to the fact that that were transactions I refuse to pay for because you didn't do your job. 

Have a wonderful day!

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 2021-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I first started a refinance with PennyMac on XX/XX/2020, hoping the loan would close before year 's end when I could reap the benefits of a lower interest rate and claim points on taxes. 

Delay after delay and error after error have made the process drag on to the point where almost 4 months later, the loan has not closed and I'm worried it never will at a time where interest rates are increasing. 

I have an 800+ credit score, delivered every piece of information and signed document they asked for, usually within hours, but never more than a day, yet they have : 1. Failed to communicate promptly after several emails and phone calls ( sometimes taking over a week to get back to me ).

2. Cancelled a necessary home appraisal ( after I paid for it ), before telling me it was actually required again and they needed to delay closing because of the mistake.

3. Done a hard pull of my credit report twice because it's taken so long, impacting my credit.

4. Made me reschedule closing 3 times and counting after repeated mistakes.

5. Tried to require I bring something like {$18000.00} in cash to close to cover taxes that had already been paid ( though they corrected this after several follow-ups to document that it wasn't needed ). 
6. Kept stringing me along saying the process was almost over, preventing me from using an alternate lender when rates were still low.

Not closing the loan has already made me pay several months of higher mortgage payments and interest and contributed a huge deal of stress during an already hugely stressful time. 

If the loan doesn't close, it will cost me $ XXXX or $ XXXX of thousands in damages over the life of the loan they promised to provide, and I'm hugely worried at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX, XXXX and transunion reporting incorrect personal information on my credit reports such as my name, address, Wrong balances and open date. This is considered as misleading and is hurting my credit. My next step will be taking the agencies to court.

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 2021-02-21 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: NC

Complaint narrative:
experian, XXXX and XXXX reporting incorrect personal information on my credit reports such as my name, address, Wrong balances and open date. This is considered as misleading and is hurting my credit. My next step will be taking the agencies to court.

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 2021-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: MO

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found several items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

DISCOVER FINANCIAL SERVI XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Credit Inquiries- I've called and advised them many times that these credit inquiries with no credit history status does not belongs to me. I asked if they can remove the inquiries I was told No. As the consumer I have the legal rights to demand removal if and indeed these accounts does not belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my XXXX  credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX 
XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX G Inquiry from XX/XX/XXXX XXXX XXXX XXXX 
XXXX Inquiry from XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry from XXXX  XXXX, XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I paid off the Sheffield note, but they didn't give me the exact payoff on the date I paid it. Obviously, they neglected to include an imminent accrued interest of {$5.00}. So {$5.00} was left owing on the note. I actually asked for the current payoff on the telephone and PAID IT THAT DAY, so this was the clerk 's mistake for giving me the incorrect payoff. The clerk also confirmed the note was paid in full at the time. It was not until the " late payment '' showed up on my credit report that I even knew there was an issue. ( I did not receive any additional payment requests ) At the time, I spoke with Sheffield, they apologized, I paid the {$5.00} and they assured me my credit rating would be returned to " Paid as Agreed '' but I see it is STILL showing I was delinquent. Since the company didn't remove the error as they agreed, I felt you were my only option to getting this issue resolved.

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 2021-02-21 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: GA

Complaint narrative:
Credit Inquiries- I've called and advised them many times that these credit inquiries with no credit history status does not belongs to me. I asked if they can remove the inquiries I was told No. As the consumer I have the legal rights to demand removal if and indeed these accounts does not belongs to me.

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 2021-02-21 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: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
There is an unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. FORD MOTOR CREDIT ( Inquiry : XXXX XXXX, 2020 ). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation