vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Applied for the XXXX secured credit card on a few different occasions between mid XXXX and early XXXX. After that period, I got a letter saying my application was denied but afterwards I got an email saying it was denied because it was previously approved. I was informed via the XXXX site that I needed to make a deposit in the desired amount between {$100.00} & {$750.00}. I was not told I had to make the deposit for the exact amount I entered on my application. 

On XX/XX/XXXX I attempted to make a deposit in the amount of {$250.00} and was rejected a few times. I called the customer service number and was told to attempt a {$100.00} deposit and when I did, I didnt receive any error messages. To this day, the XXXX website reflects that I still have a {$100.00} deposit pending. 

On the XXXX XXXX  XXXX, I realized the site still reflected I was waiting for my deposit to clear. I learned on their help screen that if there was an issue with my payment, I would be contacted via email with further instructions. I havent recieved any emails concerning the security deposit to open the card. I contacted XXXX and they informed me there was a flag on my account and cleared the flag on my account. I contacted synchrony two days later and they told me to wait 24 hours and the next day I called synchrony and they told me to wait 48 hours. I called again and they told me to mail a payment but didn't specify which department to send it to. I dont remember the exact date but I called to try to get more answers with no successso I asked if they could just close the account since I wasnt getting anywhere. The customer service representative informed me it would be reflected as a closed account on my credit report. I just called again today, XXXX XXXX and they told me to clear my cache and try again. When it didnt work they told me to just check every day and if it doesnt allow me to pay, then I need to reapply. I expressed that my credit score was already affected, and they want me to wait and apply again. It seems they are just stalling until I miss the deadline of 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 2022-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WH

OM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-04-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying for about two years to get this account off of my credit report. I have contacted XXXX XXXX twice, they have sent me two different letters stating that they have contacted the three credit bureaus to have this trade line removed from my credit report. 
It still appears on all three reports! 
This a a fraudulent account that is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying for about two years to get this account off of my credit report. I have contacted XXXX XXXX twice, they have sent me two different letters stating that they have contacted the three credit bureaus to have this trade line removed from my credit report. 
It still appears on all three reports! 
This a a fraudulent account that is affecting my credit score.

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 2022-04-05 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-05 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: MO

Complaint narrative:
The credit bureaus XXXX, Equifax did not follow the law, I have disputed accounts and personal information and XXXX had updated Dispute accounts to addresses was use for Identity theft. According to the 1970 Fair Credit Reporting Act these unverified, incorrect and unauthorized addresses must be removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: ND

Complaint narrative:
On XX/XX/2022, I received a phone call from Wells Fargo phone number XXXX and the person I spoke to claimed they were a Wells Fargo Fraud Protection agent. This person then sent a 6-digit code to my cell phone via text to verify my identity. This is the same process Wells Fargo has in place to verify the identities of their customers, however this time, it was a fraud. I provided the 6-digit code to this person, thinking they were a trusted Wells Fargo representative XXXX This fraudster had now gained access to my account using the 6-digit code sent via text and performed the following activities. This unauthorized person withdrew {$1000.00} from my checking account via XXXX and pulled a cash advance of {$2900.00} from my credit card, transferred to my checking, and withdrew via wire transfer. I submitted a fraud claim to Wells Fargo within 5 hours of the event occurring on XX/XX/2022. As of XX/XX/2022, I was informed by Wells Fargo that my claims were denied and that I was liable for {$1000.00} XXXX transaction, the {$2900.00} cash advance as well as the cash advance fee of {$140.00} plus the interest that has accrued on the cash advance at a rate of 24.24 % APR. Their reason for denying the claims were that I authorized the transactions by providing the 6-digit code to the fraudster. However, my argument is that this fraudster utilized Wells Fargos own identity verification methods against me and I DID NOT authorize these transactions.

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 2022-04-05 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: GA

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 non-monetary relief
Consumer complaint received 2022-04-05 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: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
The following companys are using my information without my consent. I asked each and every company to validate proof that I gave them consent to use my information and place negative information on my credit profile. After numerous complaints to the companys no action was taken. I demand that these companies remove these negative remarks off of my credit file due to the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
The following companys are using my information without my consent. I asked each and every company to validate proof that I gave them consent to use my information and place negative information on my credit profile. After numerous complaints to the companys no action was taken. I demand that these companies remove these negative remarks off of my credit file due to the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
I spoke with this company several times in XXXX. There saying that I owe a XXXX XXXX bill for XXXX That is not possible. XXXX will cut your services off if you miss one month. They told me they can only produce the bill from XX/XX/2018 till XX/XX/2018. In which they stated the bill was {$1600.00} when they purchased the account from XXXX. I spoke with someone on XX/XX/XXXX asking for an itemized bill starting from XX/XX/2018. They told me that they don't have it and that I would have to contact XXXX. I contact them and I was told that they don't keep a record that long and that once it is sold to a collection company its out of there system. I then contact the company back and told them what XXXX had said. She told PROMISED me that she would request the information from XXXX and to give her 5 days. I called 10 days later they still haven't got a copy of my bill leading up to these charges and now their telling me to wait 30 more days for something that XXXX can't give them. In the mean time it's hurting my credit. If I owe XXXX money I would pay it. My bill with XXXX was about {$220.00} a month.. so if I add correct I had about 7 months of services and not pay.. that really impossible with XXXX. And to say I owe {$1600.00} is insane there's no way anyone can get services that long without paying. So no one is able to supply with a bill that shows charges leading up to this amount. Honestly I believe that when I moved from the residence XXXX sent me prepaid boxes to send back through usps. I neatly packed everything up and sent it back I had no use for keeping it and it was free to send back in which I took it to my local post office. I am thinking they never credited my account for the equipment I returned. Cause otherwise I don't owe them any money. I hope and pray that you can help me resolve this matter. Thanks. I hope to hear back from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: NY

Complaint narrative:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account in my Credit Report : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: NY

Complaint narrative:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account in my Credit Report : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: NY

Complaint narrative:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account in my Credit Report : 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 non-monetary relief
Consumer complaint received 2022-04-05 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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Actually this is a very serious error by Paypal. I was a part of a group of ministers that had a markeXXXX XXXX XXXX We used Paypal for the small amount we received. In 2019 I received a 1099 - tax document in my personal name. I immediately reported it to Paypal. The Paypal account belonged to XXXX XXXX XXXX XXXX. They apologized but I was not aware they had sent it to the IRS in my name. I began getting threatening letters, allegations of me not filing the taxes and demanding money from me. I contacted Paypal and they provided a copy corrected tax document which was corrected and sent to me. I submitted it to IRS. IRS has continued to aggressively threated me, pursued me and demanded payment. They claim that Paypal never submitted a corrected copy. I have writin Pay Pal over and over on the phone. They promised they would resolve things with Paypal. Paypal never responded to me or the IRS. I write the CEO and General Counsel twice and sent the mail by certified mail. Paypal still ignores me. 

PLEASE HELP ME GET PAYPAL TO UNDERSTAND THE SERIOUSNESS OF THIS MATTER. I AM SICK AND UNDER DOCTORS CARE, THEY HAVE CAUSED ME ALOT OF FEAR AND STRESS - XXXXXXXX HAS BEEN AN OPTION BECAUE I CAN NOT EVEN FATHOM BEING PURSUDED BY THE IRS. ALTHOUGH I DO NOT HAVE ANYTHING IT IS NOT ACCEPTABLE I AM SUFFERING DUE OT PAYPALS NEGLIGENCE AND NOT TAKING CARE OF THEIR ERROR WITH IRS. 

HELP ME! 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX PLEASE SEE DOCUMENTATION - PAYPAL IGNORES ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE
State: NY

Complaint narrative:
I have a mortgage with American Internet Mortgage Company, XXXX. During the first year of COVID-19 pandemic, I was facing a hardship and requested my mortgage payments to be held off per the American CARES act. My mortgage payments were put on hold for the period of 7 months, after which I resumed monthly payments. Since XXXX XXXX  XXXX, XXXX has kept my mortgage in their loss mitigation department. Every time that I contact XXXX loss mitigation department, they indicate that it would take 3 months for the loan to clear the loss mitigation department. It has been more than a year that the company has been communicating the same. In a XXXX XXXX, XXXX call, the company again claimed that the mortgage will clear the loss mitigation department by XXXX XXXX XXXX  XXXX at the latest. It is now XX/XX/XXXX, and the loan is still with loss mitigation department. I have been making monthly payments since XX/XX/XXXX, but unable to make online payments or set up automatic monthly deductions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I had my debit card stolen from me and someone charges over {XXXX} to my card. I tried to dispute the charges with American Express Serve and the declined me even after providing all valid info including a police report number and full name of the suspect.

Company response to consumer: Closed with explanation