vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Hello Digit, LLC
State: MA

Complaint narrative:
There was no explicit mention of a regular fee for using the app. All I did was connect my Checking account and the next day an amount of XXXX USD was deducted. There was no intimation or confirmation of any kind. I have closed my account now but would like a refund for the uninformed transaction carried out. While deactivating my account, one of the reasons they ask is if it is because of unknown hidden charges ; which proves they are well aware of their practices. Lastly, it would be germane to have Digit mention it clear and bold about their charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
On XX/XX/20 I was perusing the internet to find dental implant offices ( XXXX XXXX XXXX  ) XXXX are very expensive and the site boasted financing options. 

I had filled out an application to see for how much I would be pre-approved. I applied with https : //www.carecredit.com/XXXX which is a company underwritten by Sychrony Bank . 

I was not shown / told how much I would be approved for, they simply said congrats and gave me a {$3100.00} line of credit. I did not want this line of credit, I simply wanted to find out if I was PRE-approved. I do not want/ need this credit card. It's absolutely worthless to me. 

I contacted Synchrony via chat was told they cant help me, I contacted Synchrony via telephone and was told I'd need to wait 3 days for the account to be active, then they could cancel, which would be a big hit on my credit score. 

Care Credit / Synchrony is unscrupulous, they lie and are predatory lenders. I feel like I was mislead while trying to get pre-approved. 

The Amount I requested was {$30000.00}., no where near the {$3100.00} they " Gave " me. There's absolutely no reason they should have just decided on their own to give me a card for the approved amount, I feel I should have been given the option to decline the amount first.. Especially if its only 10 % of the original request. That is nonsensical. It does me no good.

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 2020-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my credit report and noticed accounts on my credit that did not belong to or authorized by me. I quickly contacted police where they did a police report and provided me a copy. I then sent in that report as requested by the credit bureau along with other verifying information such as drivers license, utility bill and a copy of my social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ

Complaint narrative:
Back in 2015 I rented an apartment with XXXX  XXXX XXXX   XXXX company in XXXX XXXX IL, upon moving they stated I owed fees never contacted me put it on my credit and when the Debt collector fair collections contacted me I paid the debt immediately with the agreement that they would remove the debt upon payment. I had numerous complaints against them including them entering into my apartment several times without my permission. The girls in the management office were extremely rude and told me they were going to make it hard on me to move as soon as my lease was over I moved. I have nothing showing I ever owed the debt but was forced to pay it because I was trying to purchase my house. The original creditor has sold the property and Fair collections will not provide proof that I owe the debt it is still on my credit report I have been disputing this and all they give me is attitude and lies. They refuse to remove the debt they refuse to provide proof of the debt I have reached out to all 3 credit bureaus trying to dispute this and they will not remove it still no proof the debt is owed to the company. Since the money is no longer owed I want it removed from my credit report and since they have no proof of the debt it should not be there. They should not be in business because what they are doing is illegal it has to be.They are all over the internet for fruadlent activities and the original creditor should be investigated as well for criminal behavior.

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 2020-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
My account was permanently suspended and they give me no way to contact a human being on the phone and get my funds that were in the account. They gave me no explanation or reasoning other than I may have violated the member agreement. Which I know I have not so I dont understand whats going on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX B FOCUS FINANCIAL SERVIC XXXX FOCUS FINANCIAL SERVIC XXXX FOCUS FINANCIAL SERVIC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious B FOCUS FINANCIAL SERVIC XXXX FOCUS FINANCIAL SERVIC XXXX FOCUS FINANCIAL SERVIC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
on XXXX XX/XX/XXXX, sent the XXXX a letter asking them to investigate some erroneous information on my credit report ( see letter attached ), they never responded to my complaint. I then sent them another letter on XX/XX/XXXX ( also attached to this communication ), still they never responded. Then of XX/XX/XXXX, they received i sent yet again another letter requesting that they block this fraudulent information from my report within 4 days as required .. and got no response ... ( see attached certified letter receipt ), i

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 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am requesting that Equifax, XXXX XXXX and XXXX room bankruptcy reporting information from my credit profile. I have disputed in the past and all three keep advising they verify the information with XXXX XXXX I have reached out to validate with XXXX XXXX and have confirmed that they are not reporting a bankruptcy in their system. Equifax, XXXX XXXX and XXXX need to reverify their information with XXXX XXXX and remove the incorrect information from my credit profiles. Per FCRA correct and accurate information must be reporting and that is not the case with my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit card or prepaid card — Store credit 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: Colony Brands, Inc.
State: CA

Complaint narrative:
Company-XXXX XXXX  PAID FULL AMOUNT DUE {$47.00} ON XXXX XXXX. 
rECEIVED STATEMENT IN XXXX WITH PAYMENT SHOWING. XXXX  BALANCE. 
XXXX STATEMTN RECEIVED WITH {$4700.00} BILLED PAST DUE PLUS 20.00 LATE CHARGE.cALLED BILLING, ADVISED BILL WAS ALREADY PAID, tHEY VERIFIED XXXX BALANCE DISREGARD BILL.XXXX RECEIVED ANOTHER BILL, nOW ADDITIONAL LAE FEES. cALLED AGAIN AFTER SENDING WRITTEN BANK STATMENT SHOWING PAYMENT, AND iNTERNET COPY OF BILL WIWTH XXXX BALANCE. cALLED AGAIN EXPLAINING SENT LETTER TO ADDRESS OF BILLING STATING FORMENTIONED ACTIONS. wAS TOLD i HAD MULTIPLE ACCOUNTS WHICH WERE NOW AT 4. i ONLY HAD ONE. wAS TOLD BY XXXX A BILLING REPRESENTATIVE SHE WOULD INVESTIGATE AND SEND ME A LETTER FOR THE PURCHASES. i NEVER RECEIVED A REPLY. jUST ANOTHER BILL IN XXXX FOR MORE LATE FEES AND SENDING TO COLLECTIONS IF NOT PAID. i CAN NOT DO ANYMORE THAN THE CORRESPONDENCE i HAVE ALREADY SENT TWICE WITH NO REPLY EXCEPT ANOTHER BILL. i WANT TO FORMALLY FILE A COMPLAINT AGAINST XXXX XXXX FOR THEIR ERRORS. tHEY WILL NOT RESOLVE THIS ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: CA

Complaint narrative:
Loans and debt that are not mine. Trying to buy a home and this is affecting my ability to do so. Please help me get this removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
my current address is wrong on my equifax report. I have never lived in XXXX XXXX KS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am requesting that XXXX, XXXX XXXX and Experian room bankruptcy reporting information from my credit profile. I have disputed in the past and all three keep advising they verify the information with XXXX  Nexis I have reached out to validate with XXXX XXXX and have confirmed that they are not reporting a bankruptcy in their system. XXXX, XXXX XXXX and Experian need to reverify their information with XXXX XXXX and remove the incorrect information from my credit profiles. Per FCRA correct and accurate information must be reporting and that is not the case with my credit reports.

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 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am requesting that XXXX, Trans Union and XXXX room bankruptcy reporting information from my credit profile. I have disputed in the past and all three keep advising they verify the information with XXXX XXXX I have reached out to validate with XXXX XXXX and have confirmed that they are not reporting a bankruptcy in their system. XXXX, Trans Union and XXXX need to reverify their information with XXXX XXXX and remove the incorrect information from my credit profiles. Per FCRA correct and accurate information must be reporting and that is not the case with my credit reports.

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 2020-05-21 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: CA

Complaint narrative:
I was laid off of work about two months ago so I applied for a small loan with XXXX and unfortunately I was not approved because there are several accounts reflecting badly on my credit report. I wasn't aware that these accounts were on my credit history before today XX/XX/20 because none of those accounts are mine. I didn't open any of those accounts nor do I have any written/verbal contract with any of those companies. I did not benefit anything at all from these accounts that were opened in my name without my permission and I did not contribute to any purchases or payments made towards these accounts. I don't know who could have got a hold of my personal information to open these accounts in my name without my permission but I already filed a police report in hopes of getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: AES/PHEAA
State: NV

Complaint narrative:
Since Covid19 CARES at placed all student loans on hold until XX/XX/2020 my loan company FEDLOANSERVICING placed remarks on all of my loans on my credit. My score dropped 60 points due to this. There is comments of remark removed but that does not clear the report that they reported me and late and does nothing to fix the 60 points my score dropped. I have contacted them by email and phone with no answers. This is disgusting and they have never acknowledged this or even told me that this was happening to my credit. Not an I'm sorry or we are working on fixing this. Who is going to fix my credit score? There is no option to dispute what they wrote on my credit. 
Im XXXX. I have worked so hard to repair my credit and get it to good standing and fedloan destroys me and my score and is hush hush. Fix my credit score and completely REMOVE the notes from my credit scores!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: AR

Complaint narrative:
I opened an account with Simple Bank about a month ago. I transferred money in from another bank ( XXXX XXXX ) and my unemployment benefits dd into the account. for some reason, my account has been 'flagged ' and is 'under investigation '. I am single father and laid off. The money that is in the account is all i have to live on - i can not pay my rent, feed my family, or anything right now. All of my transactions are legitimate. Transfers are from national banks, Arkansas unemployment, the federal government, etc. Not only can i not speak to anyone - i am told that there is no eta until the 'investigation is complete '. 2 weeks of unemployment are being held by them. plus all the money i have in the world. they will not release MY FUNDS back to me or unfreeze the account.. THIS IS INSANE. I am no criminal - I am a XXXX XXXX, single father, with no way to feed my family. PLEASE HELP ME. they have literally put me in a desperate situation. I have done not a thing wrong and they have literally stolen my money. I HAVE NOBODY TO HELP ME - this is wrong and i need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
XX/XX/XXXX ONLINE ADVANCE XXXX XX/XX/XXXX ONLINE ADVANCE XXXX  XX/XX/XXXX ONLINE ADVANCE XXXX Wellsfargo bank account. Those online advances made by scammers.

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 2020-05-21 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: CA

Complaint narrative:
Loans and debt that are not mine. Trying to buy a home and this is affecting my ability to do so. Please help me get this removed 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 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Loans and debt that are not mine. Trying to buy a home and this is affecting my ability to do so. Please help me get this removed 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