vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
SYNCHRONY BANK committed fraud when they created an account on my behalf ; Pursuant to 15 U.S. Code 1693 ( a ) Account means savings account or deposit account. I the consumer have never done so nor will I ever. The language used on the bill was that youve given me XXXX but you say that I owe you. When a debt is owed it is shown with ( - ) before said amount, so this means that Ive been credited. As a consumer with open ended credit, I want my account credited. I am REFUSING TO PAY BECAUSE I AM THE MASTER CREDITOR AND ISSUER OF CREDIT. I am not giving you permission to cancel the terms of service and I will not be paying this alleged debt nor any future alleged debts.3. Take Notice, that Pursuant to 15 U.S. Code 1692a ( 2 ) the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium and in this specific case you SYNCHRONY BANK used email, postal service etc. to communicate indirectly with me a consumer who is defined Pursuant to 15 U.S. Code 1692a ( 3 ) as any natural person allegedly obligated to pay any debt.7. You SYNCHRONY BANK are also in violation of 15 U.S. Code 1692b ( 2 ) which states that you may not state that I, a consumer owes any debt. Furthermore, you have attempted to communicate with me on multiple occasion which is a violation of 15 U.S. Code 1692b ( 3 ) ; 9. Take further notice that Pursuant to 15 U.S. Code 1692e ( 9 ) articulates that the use or distribution of any written communication which creates a false impression as to its source, authorization, or approval as you SYNCHRONY BANK is stating that someone other then me a consumer in fact, is the creditor when I am the creditor Pursuant to 15 U.S. Code 1692a ( 4 )

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 2021-09-12 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: Chime Financial Inc
State: MD

Complaint narrative:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. IM SEEKING A COURTESY ON A LATE PAYMENT DUE TO UNCONTROLLED HARDSHIPS. PURSUANT TO 15 USC 1666B, FAILING TO PROVIDE A STATEMENT 21 DAYS BEFORE THE LATE PAYMENT IS A VIOLATION OF MY CONSUMER RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
Was contacted by portfolio recovery on a debt that XXXX XXXX sold them but has already been paid! Basically XXXX XXXX just scammed them! Im sure it was a mistake but I just want this corrected before Portfolia recovery tries to put this on my credit! A written correction!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
My husband and I were in a forbearance plan due to COVID. We were then, at the end of the forbearance, scheduled to pay XXXX, XXXX, XXXX and XXXX to be current this year. A total of close to $ XXXX. Carrington mortgage STILL REPORTED US LATE to our credit even though it was a forbearance. That is affecting us selling our home now and we would like it corrected on our credit. They should not have reported this incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I applied for Wells Fargo credit card and despite having XXXX credit score - my application was denied by Wells Fargo. Upon calling- i was told to wait for the letter ( which i am attaching with this ). 
Strangely my spouse who has lower credit score than me- got this card.

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 2021-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Was contacted by XXXX XXXX on a debt that capital one sold them but has already been paid! Basically Capital one just scammed them! Im sure it was a mistake but I just want this corrected before XXXX XXXX  tries to put this on my credit! A written correction!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: MD

Complaint narrative:
THIS DEBT COLLECTOR STATED I, THE CONSUMER, HAD 30 DAYS AFTER RECIEVING THIS NOTICE TO DISPUTE THE VALIDITY OF THIS DEBT, YET THEY REPORTED THE DEBT TO THE CONSUMER REPORTING AGENCIES PREMATURELY. THAT IS A VIOLATION OF MY CONSUMER RIGHT AND CONSTITUTES THE REMOVAL OF THIS ALLEDGED ACCOUNT IMMEDIATELY.

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 2021-09-12 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: CLGF Holdco 1, LLC
State: WI

Complaint narrative:
XXXX  credit card never sent me proper notification of the annual fee like I requested but instead charged me a late fee for an annual fee I was not notified of, when I called the bank to have the annual fee removed the customer service persona was rude and unhelpful. I do not feel there should be a late fee on an annual fee. they are predatory lenders and taking advantage of people with bad credit or low credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: AZ

Complaint narrative:
On XX/XX/2021 I sent a letter to equifax asking them to verify that items on my report were being reported correctly on my credit profile and if not to please update in a timely manner. On XX/XX/2021 I sent a follow up letting asking again to verfiy items were still being reported correct and no response from equifax. XX/XX/2021 I sent a follow up message to equifax asking them to delete the following account because todate they are still being report inaccuratly on my credit profile. According to FCRA Section 611 : States " Whenever a statement of dispute is filed,... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate. Equifax failed to do so and are in violation of my FCRA rights. I am asking that they delete the following accounts since they are still being report inaccuratly. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: Commercial Acceptance Company
State: PA

Complaint narrative:
Account name : COMMERCIAL ACCEPTANCE CO Creditor : XXXX XXXX Date : XX/XX/XXXX Amounts : {$2400.00} Repeatedly posting balance update : XX/XX/XXXX Previously called when I was a XXXX XXXX and threatened said debt would seriously damage my credit and reputation, used scare tactics and abused the ignorance/innocence of incoming students. 

Downplayed the lease duration as an issue, citing " very easy to find sublet as a popular student apartment '' at the beginning of the semester even though I have clearly mentioned " I will transfer in half a year ''. Where in fact, a lot of students do not want to move there due to horrible reputation of the management of the apartment complex and it is XXXX semester, which is well-known the students at the campus at that time. There are numerous complaints online against their management style and is publicly available on XXXX maps. XXXX back then can vouch for said statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Someone I do not know hacked my computer and made fraudulent charges on my name and was made on XX/XX/2005

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Sunday, XX/XX/2021 Affidavit XXXX  Dispute/Invalid Charge - CLAIM ID : XXXX To whom it may concern and with all due respect- I have made reservation on XX/XX/XXXX at XXXX 7 nights starting XX/XX/XXXX - XXXX, Now Due to covid 19 outbreak I have made sure I have the right to cancel to receive a full refund and I have a receipt/proof supporting that as well. 

On XX/XX/XXXX at XXXX I have asked to cancel the reservation at once. 

Late On JXX/XX/XXXX, XXXX/host got back to me admitting full refund policy if cancel before XX/XX/XXXX before XXXX at that day. 

Since then Im trying to get my money back from XXXX- they keep ignoring my requests and send me around to a different support team member or not taking responsibility at all till these days. 

For further questions, I can be reached anytime at XXXX Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: NC

Complaint narrative:
My husband and I were in a forbearance plan due to COVID. We were then, at the end of the forbearance, scheduled to pay XXXX, XXXX, XXXX and XXXX to be current this year. A total of close to $ XXXX. XXXXXXXX XXXX STILL REPORTED US LATE to our credit even though it was a forbearance. That is affecting us selling our home now and we would like it corrected on our credit. They should not have reported this incorrectly.

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 2021-09-12 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: NC

Complaint narrative:
My husband and I were in a forbearance plan due to COVID. We were then, at the end of the forbearance, scheduled to pay XXXX, XXXX, XXXX and XXXX to be current this year. A total of close to $ XXXX. XXXX XXXX STILL REPORTED US LATE to our credit even though it was a forbearance. That is affecting us selling our home now and we would like it corrected on our credit. They should not have reported this incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: NC

Complaint narrative:
My husband and I were in a forbearance plan due to COVID. We were then, at the end of the forbearance, scheduled to pay XXXX, XXXX, XXXX and XXXX to be current this year. A total of close to $ XXXX. XXXX XXXX  STILL REPORTED US LATE to our credit even though it was a forbearance. That is affecting us selling our home now and we would like it corrected on our credit. They should not have reported this incorrectly.

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 2021-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
Hello, Today I received a phone call and two emails from a company called " XXXX '' indicating that a {$1300.00} loan had been taken out in my name. I called the company back and I spoke with a person named XXXX XXXX the person who called me was named XXXX XXXX. I asked XXXX to STOP the loan, and any funds transfer, as I have never applied for a loan with this company. XXXX was unable to assist me and said I should file a police report instead. 

I have never applied for a loan with this company. The Loan Agreement Number is XXXX. 

This company seems to have my name, email address, and phone number. 

I never borrowed {$1300.00} and I do not know where this money is going, nor do I understand why XXXX was not willing to STOP the loan from moving forward. 

Can you please help me with this? 

Their phone number is ( XXXX ) XXXX. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
I contacted PHH Mortgage /Ocwen Loan Service . We asked them to supply us the direct phone number to Ocwen Financial Service in XXXX XXXX XXXX FL. 

We got an email back from PHH saying they are looking into my request for the phone number. 
Looking into my request it should be here is the number or no we will not give you this number. 

PHH ombudsman XXXX XXXX sent us a letter also XXXX.We will review issues raised. We were looking for a phone number is PHH stalling us or is this some sort of humor to them. 

Mr.XXXX  XXXX is representing PHH he sent us a letter dated XX/XX/2021. Another letter XX/XX/2021 that he represents PHH and then on XX/XX/2021 he says his firm acts for PHH and XXXX XXXX XXXX XXXX XXXX trustees. 

Nowhere do I have in writing that Mr.XXXX represents Ocwen Financial Corporation. 

We received an email from Mr. XXXX saying you will not be getting a phone number for Ocwen Financial Corporation and I also represent them. 

on XX/XX/2021 I sent Mr.XXXX email for him to show me authorization he represents Ocwen Financial Corporation. 
My request for proof was denied. 

We feel Mr.XXXX should produce authorization in writing why would he not? 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Account for XXXX XXXX is older than 7 years and has not been removed from XXXX, or Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: CA

Complaint narrative:
I have requested on three separate occasions in 2021, for Transunion to verify that they are reporting accurate and complete information on my credit one account. 4 months later, nothing has been done.

They are reporting a charge off account- with no history and I am unable to verify this 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 2021-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
I received a check through the mail last XX/XX/2021 as payment for artworks that I have made. The amount that I received was {$2300.00}, more than the amount that I asked for, {$400.00}. I tried depositing the check with my XXXX XXXX XXXX XXXX, but it was not going through. I also tried depositing it through ATM, but it said it can not accept the check. So I proceeded to the bank, and initially asked why it was not going through. According to the teller, the computer was not telling why but they deposited it anyway. 

The amount reflected on my account, and the scammer told me to send over the money. I was confident about the amount in my account because the teller from the bank deposited it and it was fine. I was able to send a total of {$1400.00} through Zelle in multiple transactions and {$890.00} in total through XXXX in two transactions. 

Last XX/XX/2021, I called the bank because of the negative amount in my checking account. I called multiple times for them to tell me that it was a bad check and I was responsible for it. They said they could not do anything about it. In one of the calls, an agent suggested for me to make a dispute on Zelle and XXXX. 

I contacted the person whom I sent money to through XXXX. They said they will refund the money. As of the moment, I have received alert that I will be able to get {$400.00}, but no update yet for the remaining {$480.00}. 

I also reached out to the person whom I sent money to through Zelle named XXXX XXXX with Zelle email XXXX. He claimed that he did not know me, and that his Zelle account was hacked a month ago. He also claimed that he is not using it because he can not log in. 

I have also filed a report through Zelle. It is the most unhelpful report system that I have ever seen. There is no case number and no date to let me know any updates from the report. It also said that " for security and privacy purposes, results or actions of our investigations will not be provided. '' How am I going to even get an update, or event track my report?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have contact XXXX 's on several occasion ( spanning a 1 year period ) regarding Acct # XXXX. 
The above mentioned account was opened in the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX They have send me several corresponded claiming the account was validated & verified however my request for proof of that validation process has been unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
LVNV FUNDING LLC. JUST POSTED THIS FILE ON MY XXXX CREDIT AS A DEROGOTORY ACCOUNT, AND IVE NEVER DEALT WITH THEM OR OPEN ANY RECENT ACCOUNTS. I AM REQUESTING A VALIDATION IN WRITING OF THIS ACCOUNT SHOW DATES AND AMOUNTS BECAUSE IT LOOKS LIKE THEY ARE TRYING TO REAGE SOMETHING THAT IM NOT FAMILIAR WITH. THE FAIR CREDIT REPORTING ACT SAYS IM ENTIGHTLED TO THAN IN A TIMELY MANNER. I AM XXXX AM ON XXXX, WHICH MEANS MY INCOME IS FEDERALLY PROTECTED. I AM ASLO REQUESTING NO FURTHER ATTEMPTS TO CONTACT ME BY THIS COMPANY AFTER I GET MY VALIDATION PROOF FROM THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12 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: FL

Complaint narrative:
XXXX has continually reported account being unpaid or unsettled when in fact they have received payment. back in XX/XX/2021 i filed a complaint and the response was that it was deleted. it was not deleted or blocked and remains on my credit report. i have submitted numerous proofs showing i met the terms of my settlement and account was closed and paid yet it remains. XXXX complaint ID for reference. this item needs to be blocked and deleted from my report. i am ready to seek legal action for violation of FCRA and for punitive damages. if this matter is not resolved. this account was settled back inXX/XX/2021 this needs to be resolved ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
ONEMAIN was on my consumer report as an inquiry so I disputed it. I did not give my consent for this and it injured my consumer report severely. On XX/XX/2021 XXXX removed ONEMAIN from my report but on XX/XX/2021 ONEMAIN was back on my report. Once again, without my consent. Today, XX/XX/2021, ONEMAIN is finally off my consumer report but the damages are already done. Not to mention, I had to contact fraud department for XXXX and send in dispute letters, more than once, for XXXX. ONEMAIN violated 15 USC 1681n ( a ) ( 1 ) ( B ) and I am seeking relief for the damages.

Company response to consumer: Closed with explanation