vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My XXXX has a credit card with Synchrony Bank he XXXX  away in XX/XX/XXXX suddenly, he was hospital from XX/XX/XXXX and never returned home to continued enjoying our retirement, we both decided that we would stay home and enjoy the rest of our life. I lost my job due to XXXX, my XXXX had already retired. This was great, we both work hard send our kids to school we were living the American dream. 
My husband was loosing his hearing and he decided he should get XXXX  XXXX, he did visited XXXX XXXX  XXXX they fitted him with a hearing aid and told him he was approved for a credit card that will pay for XXXX  XXXX. He did get the card and made payments to the credit card company, when my XXXX was hospitalized I took over the role of paying the bills and that included his credit cards hoping he will be home and resume paying off his obligations. After he XXXX I reported his passing to he XXXX XXXX XXXX, and was told to donate the hearing aid and to inform Synchrony Bank. I did and provided them with a copy of the death certificate. They continued to send me bill in my husbands name after numerous attempts advising that my XXXX is XXXX, they started sending the bill in my name. I never applied nor did I received a card, I was not a co-signed on he account. Synchrony Bank has reported me to numerous credit bureau without my knowledge, I am unable to secure credit, In addition I had XXXX other cards, which was closed without my knowledge. 
On Friday I received a letter from and Attorney XXXX XXXX XXXX XXXX XXXX asking me to respond by XX/XX/XXXX to dispute all or part of the debt, stating if a judgement is received in court I can lose Social Security, unemployment benifits and and several forms of income to repay his debt.I live on Social Security the house In is my only place of resident and I am struggling to make ends meet. 

Thank you, Kindly Sincerely, 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 2022-09-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Control Technology, Inc.
State: NJ

Complaint narrative:
XXXX university wrongful sent a XXXX XXXXXXXX debt to collections which was removed by credit reporting agencies as i was not responsible due to a billing error for the XXXX  of XXXX ( covid beginnings ) XXXX was also defendant in class action in XX/XX/2022 which paid out to former students which i received a share of proving that no actual debt existed or the share would have been retained and applied to this debt. Actions qualified me for borrows defense discharge of all school payments as a result completely releasing me from this supposed debt. Collections refuses to mark as settled and school refuses to release debt until collections does.

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 2022-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
I have a Bank of America XXXX XXXX. When I received the card, I also received a booklet " XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. On page XXXX it describes XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( " ... are injured or become sick during the triip... you are covered for transportation ''. ) I experience an emergency in XXXX ( XXXX; XXXX XXXX XXXX hours and had blood work and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and had to return to XXXX for treatment. I have hospital documentation, and I have seen a XXXX when I returned for follow up. When I called Bank of America to receive a claim form the agent told me I don't have that coverage. How does this get resolved if they claim I don't have a coverage I clearly believed I did and is in writing? This seems shady. 
The travel agency handled the return fare but I had to use my credit card. This charge should be credited back to me. 
I have not filed a lawsuit or arbitration. 
XXXX Tours {$1300.00}. 
XX/XX/2022 I would like to work with them to file a claim for this trip interruption benefit from XXXX. 
Last 4 digits of credit card 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 2022-09-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/22 My capital one credit card was fraudulently used to purchase in the amount of {$58.00}. I did not make this transaction at XXXX XXXX for {$58.00}. Ive told capital one it is a fraud transaction, however they still refuse to dispute this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc.
State: CA

Complaint narrative:
I received a settlement offer dated XX/XX/2022 which has two options. The first option was to " Settle your account for a one-time payment of {$370.00} ; this option saves you {$150.00}. You can take advantage of this option if we receive your payment within 30 calendar days from the date of this offer. If paying at XXXX, use promo code XXXX to unlock your settlement while making your one-time payment. Please note that we are not obligated to renew this offer. '' Option # XXXX is to log into their secure mobile site to design a customized resolution for the account. 

When I tried to use the mobile site to make the one-time payment of {$370.00}, on XX/XX/XXXX and XXXX, it would not let me apply the promo code - error message of " Promo Code Not Valid. '' I called on XX/XX/2022 @ XXXX XXXX, and the credit specialists said he could take my payment for a higher amount than {$370.00} because additional interest had accrued. However, the offer clearly states the offer is a " one-time payment of {$370.00} '' if executed within thirty calendar days from XX/XX/2022, with no mention that there is additional interest or that it is a discounted percent from the total.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Minto Financial dba Minto Money
State: MN

Complaint narrative:
I lost my job XX/XX/XXXX and requested assistance for loan forgiveness. The company is charging me 516.09 % Minto Money File : XXXX Finance Charge {$12000.00} Amount Financed {$2500.00} Total of Payments {$14000.00} Loan # : XXXX Loan Type : Installment Loan Agreement Date : XX/XX/XXXX Effective Date : XX/XX/XXXX Due Date : XX/XX/XXXX every two weeks Minto Financial d/b/a Minto Money XXXX XXXX XXXX XXXX, AK XXXX Phone ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: MS

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-09-06 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX Bank of America claims XXXX or XXXX XX/XX/XXXX started claim pending status on the reconsideration For {$1900.00} XX/XX/XXXX my card declined and I called BOA, they said to call XXXX XX/XX/XXXX XXXX says they have no idea why BOA would close my card XX/XX/XXXX XXXX said check back XX/XX/XXXX XX/XX/XXXX spoke with multiple people at XXXX and multiple people at Boa was told that I was put on a list and that they would have it resolved in 2-3 days XX/XX/XXXX supervisor XXXX said call back everyday till they resolve it but he doesnt know how to resolve it XX/XX/XXXX XXXX BOA said that he would be frustrated too, but BOA doesnt give them any information he filled out a form and waited for a supervisor to respond to his form. 
They dont understand why my account has been closed to begin with, XXXX said that he sees no problem with my account and he also sees Ive been calling for over a week to resolve this issue. The supervisor says they apologize but it takes 1-2 business days for them to clear the account and they are awaiting a response from XXXX. I offered to call on 3 way multiple times to connect BOA and XXXX yet no one will allow me to. No one can give me any information on how XXXX corresponds with BOA or vice versa. Im being told that theres no problem on either end and both entities are blaming the other one! 

XXXX then transfers me to the supervisor who is XXXX claims department edd part of prepaid XX/XX/XXXX XXXX XXXX XXXX XXXX stopped payment and told me she would call me Monday however she didnt. She was supposed to be sending out my check. 

XX/XX/XXXX NO NOTES ON MY file!!! Says XXXX unemployment this system is so incredibly broken! I asked for the elevated response unit but wasnt able to get help or be transferred XXXX my card was finally restored after 7 full days of calls from XXXX to XXXX Calling the assembly man XXXXXXXX XXXX  office XX/XX/XXXX all my money was transferred out!!! 

With no explanation!! No information about where the money went to! 

I called again XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX Sent in additional fax information about my claim yet still no one has explained where this {$1900.00} has gone and its now almost 2 YEARS! 
This is insane

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 monetary relief
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX, I settled my Brandsmart Card Account with XXXX XXXX XXXX. The XXXX at the time was {$3000.00} and we settled at {$1200.00} over XXXX monthly payments of {$50.00}. We sent payments monthly from XX/XX/XXXX all the way through XX/XX/XXXX and then in XX/XX/XXXX we received notice that XXXX XXXX could no longer honor the settlement because they no longer had it in their office. This obviously made no sense to me because we had an arrangement in place that was taken care of and then out of nowhere it's no longer in place? That is incredibly unfair! I tried reaching out to XXXX XXXX but they told me they could not do anything and that it was Synchrony Bank 's decision to " recall '' the 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 2022-09-06 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: MS

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-09-06 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: TX

Complaint narrative:
I have received my credit report and there is fraudulent accounts being reported on my profile from XXXX and Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: CL Holdings LLC
State: TX

Complaint narrative:
Someone duped XXXX XXXX out of {$3400.00} I will presume using my SSN or other identifying information. Although I have contacted XXXX XXXX and the collection company they sold the debt too the issue remains. I have not ( and never will ) ever been a customer of XXXX XXXX. There is 0 % chance they have any documentation with my valid signature authorizing this debt. I tried to go through XXXX and they " verified '' the debt. How exactly? Like I stated I have never opened an account with XXXX and I am 100 % certain that my information was used illegally. This should be XXXX 's problem not mine. They gave away {$3400.00} to a criminal not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: PENTAGON FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Hello Today I received a letter stating I had opened an account with PenFed Credit Union. I have no knowledge of ever opening an account with this institution. I call to PenFed Credit Union and the first call was directed to rewards center. after a representative transferred the call. I called back and the call was placed on a very long hold, reprentative came back on said they were filing a fraud claim. I then asked to speak to a supervisor and again a very long hold time. This representative advised me that the account was opened XX/XX/2022. I asked who set up the account she had no knowledge of who opened the account. I then advised the representative that someone used all my personal information to open this account.Supervisor advised because I opened a loan with loan pal and i agreed to this account being opened. I never agreed and this may be fine print

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 2022-09-06 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: GA

Complaint narrative:
I am filing this complaint because I see that Transunion Privacy Policy states : With your consent. Apart from the reasons identified above, we may request your permission to share your personal information for a specific purpose. We will notify you and request consent before you provide the personal information or before the personal information you have already provided is shared for such purpose. You may revoke your consent at any time. 


**At this time I am revoking consent for Transunion to share, sell or furnish my personal information. **

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 2022-09-06 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: MI

Complaint narrative:
TransUnion XXXX XXXX XXXX, XXXX, PA XXXX In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXXXXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX 2022

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 2022-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I checked my credit report and noticed a collection that is on the report. I contacted XXXX XXXX, the originator of this account and they told me to contact Transworld Systems, the collection agency. They have it in their records that an address in XXXX ( XXXX XXXX XXXX # XXXX, XXXX, TX XXXX ) used my name, home address, and social security number to get this service in the amount of {$1000.00} and its more in collection. I don't know anyone in XXXX and somehow they connected my actual home address to this account even though they used it for a XXXX address. I contacted XXXX and provided the police report that I had written at the police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX. XXXX XXXX XXXX {$2100.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX- {$1200.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX {$2600.00} XXXX inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX XXXX added to account were incorrect 5. XXXX XXXX XXXX {$1600.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX {$880.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX {$1000.00} - inaccurate status, remarks and payment history XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} - inaccurate status, remarks, and payment history XXXX. XXXX - {$2800.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX {$1800.00} - inaccurate status, remarks and payment history XXXX. XXXX Department XXXX- {$3200.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX XXXX XXXX inaccurate pay status and payment history XXXX. XXXX XXXX- {$7400.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX- {$9300.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX- {$4700.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX inaccurate remarks and payment history XXXX. XXXX XXXX - {$2400.00} - inaccurate pay status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX XXXX {$2700.00} and {$1000.00} - inaccurate pay status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX credit card- {$9700.00} - inaccurate balance and credit limit and payment history 20. XXXX XXXX XXXX XXXX XXXX {$660.00} - inaccurate status and payment history XXXX. XXXX XXXX XXXX XXXX XXXX inaccurate remarks and payment history 15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681, Section 604-A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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