vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-20 00:00:00
Product: Credit 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:
I went to XXXX XXXX Department XXXX and purchased XXXX was asked if I wanted to apply for credit through XXXXXXXX XXXX and id receive some $ off on my purchases... I paid and left. I get a bill for {$89.00} from Synchrony bank... I paid that much for the clothes and was surprised... Wasn't aware I had a Synchrony debt now. I appealed but never heard anything... They've called me XXXX  of times over the last XXXX XXXX ... Now they say interest has increased the debt to $ XXXX dollars ... They say they are willing to settle debt for {$330.00} I ask to speak with their supervisor... 
XXXX is not available... 
I want to report them for predatory practices...

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 2024-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
On or around XX/XX/XXXX, I contacted Affirm for a refund. I advised them that is has been 2 months and I have not receied the service I paid {$12000.00} for from the merchant. I had signed up for a service to help with marketing for my business from a company I found on XXXX called XXXX but it was advertised from XXXX. I contacted Affirm since they were they onces I am paying back for the {$12000.00} which they have paid to this company. The reason for my refund request is that it has been 2 months and nothing has been done. I signed up around XX/XX/XXXX. Due to nothing being done, I missed Black Friday and I missed the opportunity for Chisristmas to generate a substantial amount of revenue to make back the XXXX and more. Affirm asked me to contact the merchant and the merchant claims I am not entitled to a refund at this point. I disagree because they did not do what they were paid to do and frankly they ( XXXX XXXX ) had no reason why nothing had been done in 60 days. That is horrible customer service and a disrespect for me as a businessowner trying to make a living. This delay has been extremely stressful. Due to putting my last deposit in with the expectation of making money over the holiday has placed a massive hardship on my finances. One of the messages from the seller states they were planning on a XXXX launch. When was that suppose to be communicated with me, because I would have NEVER agreed to that knowing my financial situation. After I contacted the seller now they want to rush and do what they were paid for but at this moment I want my money back and move on. Either way, it does not take XXXX plus day to put together a campaign. They sent me numberous form to complete but nothing concreate in terms of a campaign launch. As for Affirm, I want them held liable because they did absolutely nothing to help me in this matter. I want a full refund, I want to cancel my agreement which I do not recall signing one. I am contacting you because Affirm is not helping at all even though I am making monthly payments to them they need to pay for my pain and suffering. I do not have money to give away for not doing your job and I definately do not want to do busines with anyone who does not value me as a customer that's with Affirm and XXXX XXXX. This has caused an extreme amount of pain and suffering personally and professionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting 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:
Equifax has admitted that my information was part of the data breach and I am a victim of this data breach. There are fraudulent transactions on my report and I am requesting immediate removal of these items as it is negatively effecting my credit worthiness. There are hard and soft inquiries on my report that were done without my permission or consent which is against the law. As well there is transactional history reporting that also violates XXXX law. There are accounts with entities I have no agreement with and erroneous I have asked that this information be corrected and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Mercari, Inc.
State: OH

Complaint narrative:
The website and question is called mercari, I sold some personal items on there site and once the customer received the items, they refused to pay siting that I was and eligible to withdraw funds due to some technicality that was buried so deep in their paperwork no one would ever see it. I don't even know what it was they wouldn't tell me. But they kept almost {$400.00} a money. I've reached out a customer service multiple times but the only response I get back from them it is " you violated the terms '' they refuse to pay me the money I'm owed or return the product that I sold. They have made money off of my personal items and scammed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Elite Recovery Group LLC
State: OR

Complaint narrative:
I noticed I had a negative mark on my XXXX XXXX from debt XXXX Elite Recovery Group LLC for a past due balance. I have never received any notice that any account of mine was going into collections. And I never received any communication from Elite Recovery Group LLC regarding any account of mine. The entry of my credit report was dated XX/XX/year>, so it's been nearly XXXX XXXX  and I have never received anything from Elite Recovery Group LLC.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Concord Servicing Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX I applied for a credit card because my XXXX XXXX was listed as very good. I pay for XXXX service to stay on top of my credit so I check it regularly and have the app downloaded to my phone. When I was denied the credit, I called XXXX to ask why, and they stated that my XXXX and XXXX credit was showing late payments and a delinquent account. When I signed up for the XXXX service to obtain my credit report, it showed negative reporting multiple times from Concord Services. I called Concord Services to ask who they were and why they were reporting negatively to the credit bureaus. Over the phone, they were unable to provide me any account information except the account number XXXX and email XXXX. I emailed and they told me I am not authorized to speak on the account, that it wasn't in my name. I added my husband to the email, who would be the only other person on the account and they have refused to respond to any additional requests sent by us both ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). We do not have an account with this company, have never had an account with this company and do not have any knowledge of any account with this company. They have been reporting negatively to XXXX and XXXX ( not XXXX ) since XX/XX/XXXX. I have filed disputes with both XXXX and XXXX and those are still pending. I sent the history of emails to them both to review. Please help with this fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting 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:
My information was sold and bought illegally because I was a victim of the XXXX XXXX. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX Open XX/XX/1XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Sincerly 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 non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I received XXXX ( XXXX ) {$100.00} Amex XXXX XXXX ( {$200.00} total ) for XXXX this year. Card/Account Numbers can be provided if needed. I have tried to use the card XXXX XXXX in multiple locations but it does not work. I can confirm that there is a credit balance of {$100.00} on each card. American Express customer service sites security protocols to protect the consumer and says that there is no issue with the card. 

After this happened I looked into this a bit more, and came to find out that this is a common occurrence and XXXX  other people have been effected by the same or similar issues. I am hoping that by filing a claim this will force Amex to rectify this issue. I would also like to get compensated for the money that was spent on the gift cards. 

Until American Express resolves this issue with their cards, no one should purchase them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
4 weeks ago ( XX/XX/XXXX ) I purchased 4 prepaid visa cards for {$500.00} each. The cards were successfully activated and when I called in was told there were no fraud blocks or any reason they should not work. However, none of the four cards worked as advertised ( " works anywhere visa is accepted '' ). They were each declined multiple times at normal stores such as grocery stores and XXXX and multiple calls were made and there was no resolution. 

After multiple attempts, I then requested a refund for all 4 cards. Each card was purchased for {$500.00}. So I requested a refund in the amount of {$2000.00}. The agents said the would send me a refund check for each card after I sent in copies of the front and rear of each card. I only received a check for {$500.00} on XXXX XX/XX/XXXX and further calls were fruitless as the agents could never figure out which card was on which of the four cases I was assigned. 

Apparenlty blackhawk in it's infinte wisdom decided to combine some cards into some cases and then mark others as duplicates and close them. It had been real simple : XXXX card for each case and XXXX cases total. Each card 's front and back was emailed to XXXX with the subject line the case number for that card. So there were XXXX emails sent with front and rear of each of the XXXX cards. 

My case numbers are : XXXX ) XXXX - XXXX XXXX ) XXXX - XXXX XXXX ) XXXX - XXXX XXXX ) XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
In XXXX of XXXX  my ID was stolen and several accounts were opened in my name. TD Bank was XXXX of those accounts. I requested that the account be closed and that all information be forwarded to the police XXXX in charge of the investigation. After the XXXX did not receive the information I filed a formal FCRA 609 ( e ) request that was also ignored by the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My information was sold and bought illegally because I was a victim of the equifax data breach. I want these item deleted from my credit reports effective immediately. I am attaching proof that equifax has admitted that I was in fact a victim of the data breach and equifax has done nothing. Please help me delete these illegal accounts from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Incorrect Information on Credit Report Dear Experian Dispute Department, I am writing to dispute certain information on my credit report. Upon reviewing my report, I have identified several inaccuracies that require immediate attention. The items in question are as follows : - XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX 
Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX Please provide the written statement that was provided by me the consumer that allowed you and the company listed above to furnish anything onto my consumer report pursuant to 15 USC 1681 ( b ) ( 2 ) 2. Also pursuant to 15 USC 1681 ( d ) ( b ) please disclose per my request of nature and scope of investigation. Including the name and phone number of person that was interviewed to verify above accounts. 

I request that Experian investigate these disputed items and correct any inaccuracies as soon as possible. Enclosed with this letter are copies of relevant documents supporting my dispute. 

According to the Fair Credit Reporting Act, I am entitled to an investigation of these disputed items. Please provide me with a written response regarding the results of your investigation. Additionally, I request that any corrected information be sent to all parties that have received my credit report within the last six months, as per the law. 

I appreciate your attention to this matter and timely resolution of these disputes. 

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 2024-01-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
I do not owe any debt for what National Credit Systems is trying to collect on. I have attached a signed letter from the original creditor XXXX XXXX written by them on their official letterhead stating no money is owed on the account. Despite this obvious evidence, National Credit Systems has falsely reported the debt as an active collections to all 3 major credit bureaus. I need it deleted yet they refuse to do so as they are falsely claiming the debt is not owed with the official letter from XXXX XXXX states otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I attended a private event in XXXX and my belongings were stolen including my social security card and driver 's license. Myself along with the other guests reported the incident to local authorities on site. I recently obtained a copy of my credit report and noticed accounts with XXXX and XXXX, that I've never applied for or authorized. I contacted the credit reporting agencies in XX/XX/XXXX, notifying them of the identity theft and requesting verification. 
Furnishing accounts to my report in direct relation to identity theft is in violation of 15 USC 1681c-2.

I've sent two letters requesting an update and verification with no formal response. I also noticed credit inquiries on my report that I have not authorized. Furnishing information to my profile without my written consent or permission is in violation of 15 USC 1681. These inquiries I have no knowledge of include : XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, After further investigation of my profile, I noticed addresses listed where I've never lived. With me having a common name this is affecting my credit and ability to obtain credit. I've also requested for these previous addresses to be removed, and only report my current address.

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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I attended a private event in XXXX and my belongings were stolen including my social security card and driver 's license. Myself along with the other guests reported the incident to local authorities on site. I recently obtained a copy of my credit report and noticed accounts with XXXX and XXXX, that I've never applied for or authorized. I contacted the credit reporting agencies in XX/XX/XXXX, notifying them of the identity theft and requesting verification. 
Furnishing accounts to my report in direct relation to identity theft is in violation of 15 USC 1681c-2. 

I've sent two letters requesting an update and verification with no formal response. I also noticed credit inquiries on my report that I have not authorized. Furnishing information to my profile without my written consent or permission is in violation of 15 USC 1681. These inquiries I have no knowledge of include : XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX After further investigation of my profile, I noticed addresses listed where I've never lived. With me having a common name this is affecting my credit and ability to obtain credit. I've also requested for these previous addresses to be removed, and only report my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
i am attaching the progressive insurance identification card, Effective date and Expiration date. 
And XXXX XXXX identification card Effective Date. 

i asked CCS to give me the exact date of the call i made to cancel my progressive car insurance, and they told " we don't have the exact date ''.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
The account was open on XX/XX/year> with the amount of XXXX. I was not the one who open the account or used the credit line. I see a payment was paid but i never had made a payment on it any payment on it was not that of my own bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I contacted Goldman Sachs Bank/Apple Card on XX/XX/2023 to exercise my right to opt out of the disclosure of my non-public personal information to all third parties including consumer reporting agencies, XXXX, XXXX, XXXX Warning XXXX XXXX XXXX XX/XX/XXXX and XXXX. 
Per 15 U.S.C. 6802. 
I have not gotten a response from this company and they continue to report my personal information to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
The company name is Harris and Harris ltd. The recorded callers name is XXXX XXXX. Caller ID # is XXXX. Call back number left is XXXX. Dozens of pre-recorded messages have been left on my business voice mail. I have contacted them, directly, multiple times, requesting that my phone # be removed and have verified that the person associated with the phone # is unknown to me. They have assured me multiple times that the # would be removed. My last contact with them was XX/XX/XXXX with XXXX XXXX who assured me that it would be escalated to a supervisor and removed. Another msg was left on my business voice mail on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I XXXX XXXX have some XXXX accounts and inquiries appearing on my credit report. 


Accounts XXXX. XXXX {$6900.00} XXXX. XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX 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