vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
No action to restore my JCP store credit card has been taken to date ( XX/XX/XXXX ). 

Synchrony Bank sent me an upgraded store credit card to include MasterCard services without my request or consent. I confirmed ( XXXX ) with a Synchrony Bank supervisor that JCP store card holders are randomly selected to receive MasterCard services and new cards are automatically sent without request. Synchrony Bank does this because the MasterCard is rarely offered in the store, according to the supervisor I was speaking with on XX/XX/XXXX. I explained that I thought what I received was a replacement card for my store card and wanted master card canceled and the store card credit account restored. Synchrony informed me that because the card was activated, this was no longer possible at the time of the request. I would have to go into the store and re-apply for the store credit card. This was unsatisfactory to me because the store credit card won't issue a new card for up to 1 year after closing the store credit account - which is what happens with the JCP MasterCard authorization I did in error thinking it was just a replacement card for the store credit card. The account numbers between store credit card and JCP Mastercard services addition remain the same account numbers, which is why we think I thought I just got a replacement card, when in fact JCP Mastercard is opened when we activate the unsolicited card. They will need to look at the account history closely because a replacement card was issued after the switch to include MasterCard occurred in XXXX due to removal of an authorized signer that required I report the card lost/stolen to get a new account number. They need to review the XXXX card history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: QC HOLDINGS INC
State: UT

Complaint narrative:
I am late on my payment from the XXXX and they reached out to one of my references and indicated I was late on my loan payment to them. When I called and asked XXXX, the collector not to contact my references her response was thats my job I know that the requirement for collecting can be contacting my references- if I dont respond and they can ask to get in touch with me- but she shouldnt be violating the law by telling them it is in regards to a delinquent loan payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On Monday XX/XX/XXXX I attempted to contact a debt collector in order to settle debt from 2017. I requested a debt validation letter and the representative refused to give it to me. I asked multiple times if he could email me a statement saying he could not give me a validation letter and continue to refuse and avoid the question. I have paid them twice and they were unable to provide information or confirmation about my {$140.00} payments. The payments attached are to XXXX XXXX for {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Hello, I made several attempts to request a debt validation letter and supporting signed documentation via the midlandmanagement.com website and when I called to request a debt validation letter and supporting signed documentation I was refused. The company is refusing to provide me with a debt validation letter. They are instead forcing me to tell them that I will not get an attorney involved in order for them to do so. This is fraud as they can not prove the debt. 

They won't allow you to do anything to understand if the debt is valid and they ask you for a lot of identifying information up front including a social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: CO

Complaint narrative:
XXXX XXXX in XXXX of 2020, sent my personal credit information to multiple banks. 
I had my funding already from my bank. The following inquiries was placed on my credit fraudulently. 
XXXX XXXX XXXX from XX/XX/2020 XXXX XXXXXXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXXXXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXXXXXX XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 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 2021-05-17 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: TX

Complaint narrative:
Account XXXX XXXX XXXXXXXX According to 15 ucs 1681b. ( 2 ) you do not have my written instruction to share this account, if so please show me any sign contract that I gave you instruction to share this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: OR

Complaint narrative:
On XX/XX/2021, my local bank in XXXX, Oregon ( Simple Bank was their name ) closed. Accounts were all moved to BBVA. I waited a couple of days, then followed all of the promps to log in and change my account to BBVA. There is no support from Simple. They are completely cosed. I started calling BBVA. I have tried at least 5 different numbers. I have made over 20 calls since XX/XX/XXXX. I have spent more than 24 hours on the phone. Hold, transfer, give all info, hold, transfer, hang up. No one at BBVA can assist me in getting access to my account. They have reset passwords and I am still locked out. 
My debit card does not work. I have NO NO NO access to my money and BBVA does NOT have any concern for this little worker. 

They are very difficult to communicate with and sometimes impossible to understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
Credit Corp Solutions, a debt collector, contacted me about two credit card debts that were opened in my my name. They said the two accounts were business accounts. I explained that I don't do business in the US and have been working in the XXXX and XXXX since 2014. I explained this was a fraudulent account setup using my personal info. They said these accounts were under my name and thus, I was responsible. I explained again that these were fraudulent accounts setup using my PO Box and personal info. I explained I had done police reports and FTC reports along with credit freezes of my credit reports to protect my personal info against this type of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I am trying to open an account with Venmo. As part of the application process, I was required to submit a mobile phone number. The on-line application process rejected my application claiming my number was a land line. 

When I contacted customer service, they told me that my phone service, XXXX XXXX uses VoIP technology. Venmo is not compatible with VoIP phone numbers. 

This makes no sense, customers interact with Venmo thru their app - not telephone calls. 

When I asked for further clarification, they responded " We do not have the information you are requesting nor are we at liberty to reveal details of Venmo 's internal operations. '' Why would Venmo not be able to let me use their services when I have VoIP phone service? I can only guess that they want to make money off of their customers by selling information about phone activity and location information. I don't know, this but I suspect I am being rejected because they can not exploit phone information from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Several letters were mailed to dispute inaccurate information on my credit report. I have not received an updated response within 30 days of request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover credit card account : XXXX or my last 4 ssn # XXXX was originally opened by me solely. In XX/XX/2015, when my home was burglarized, a charged alert email/text informed me that someone was using my Discover Card at the next city over in XXXX ( I was living in XXXX XXXX and a copy of the XXXX City Policy report attached for this identity theft ). It was then that I realized that my cards including my passport and social security card ( that were in a portable safe ) were stolen. 

I called Discover card within hours of my home burglary and informed that my identity will be compromised due to the items that were stolen on the SAME day of the incident. 

My credit have been compromised and credit reporting from Discover Card does NOT reflect that the charges and balances were from someone else using my identity because they stole all my valuables in my home. 
Please removed the negative credit reporting fr
om Discover Card from my credit reporting to reflect that my identity was stolen from the police report and FTC report. 

Thank you and I appreciate your help with this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: PA

Complaint narrative:
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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Please note 15 USC 1681 and 15 USC 1692A ( 3 ) in this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I asked by certified mail, telephone and online for transunion to remove the middle initial XXXX from my name. Starting in XXXX, it is still incorrect. I ask them also for my credit score they stated I would have to pay to get it. I recently opened a new credit account, removed a collection account and paid down my revolving accounts to {$17.00}. Trans union dropped my credit score by 111 points, the other two agencies dropped it by an average of 35 points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Smith, Cohen & Rosenberg LLC
State: AZ

Complaint narrative:
1. This is a Business, not a personal account. 

2. Company Has not provided a contract and or additional information to validate this account. 

3. I attempted to contact the company and XXXX not receive any information. 

4. I disputed the account with XXXX  and did not a response with valid information to keep reporting this on my credit report. 

5. SCR Solutions is Re-aging this account which is a FCRA violation. 
Attached is my report. 
SCR and XXXX are reporting XXXX Credit Report Date of Last Activity : XX/XX/21 XXXX Credit Report Date of Last Activity : XX/XX/21 XXXX Credit Report Date of Last Activity : XX/XX/21 XXXX. XXXX  XXXX XXXX XXXX is listed as : {$7800.00} but the balance on the account is listed as {$10000.00} showing that this information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: NJ

Complaint narrative:
Sent a debt validation and verification letter to Commonwealth Financial systems on XX/XX/2021 by certified letter. The company did respond to all of the information I asked for. Proof the debt belongs to me. My signature on any contracts, proof you are licensed to collect debts in my state. The item is still on my credit report with all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 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: AZ

Complaint narrative:
1. I don't know who this account is? 

2. I have disputed this with equifax and the company, nothing has been sent to me showing that this account is valid. 

3. This is hurting my credit report as it shows to be derogatory on my credit. 

4. The balance shows {$0.00} 5. The company is reporting the status of the account as Current. 

6. The company is reporting the Credit Limit as {$0.00}. 

7. The company is reporting the account as being charged off and suspended. 

8. The company is reporting the Date of Last Activity as XX/XX/XXXX XXXX. The company is reporting the Last payment as XX/XX/XXXX. 

10. In the payment history the company is reporting Payments made : XXXX - XXXX XXXX - XXXX XX/XX/XXXX All this information is contradicting itself, and looks like fraud. I have no information on this account and I don understand why Equifax is choosing to allow this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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:
XXXX credit card account : XXXX or my last 4 ssn # XXXX was originally opened by me solely. In XX/XX/2015, when my home was burglarized, a charged alert email/text informed me that someone was using my XXXX Card at the next city over in XXXX ( I was living in XXXX XXXX and a copy of the XXXX XXXX Policy report attached for this identity theft ). It was then that I realized that my cards including my passport and social security card ( that were in a portable safe ) were stolen. 

I called XXXX card within hours of my home burglary and informed that my identity will be compromised due to the items that were stolen on the SAME day of the incident. 

My credit have been compromised and credit reporting from XXXX XXXX does NOT reflect that the charges and balances were from someone else using my identity because they stole all my valuables in my home. 

Please removed the negative credit reporting from XXXX XXXX from my credit reporting to reflect that my identity was stolen from the police report and FTC report. 

Thank you and I appreciate your help with this matter. 

Sincerely, 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 2021-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted an ftc report about inquiries i did not authorize. ftc report attached. 
Also my name is misspelled and there are addresses listed that are not connected to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted an ftc report about inquiries i did not authorize. ftc report attached. 
Also my name is misspelled and there are addresses listed that are not connected to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: TX

Complaint narrative:
Prior to XX/XX/2019, I cancelled our XXXX account, this was over the phone. I was about to have surgery & knew that I would be at home recuperating for an extended time & wanted to have more choices along with Internet. We paid the final bill off & thought all was O.K. A month or so later we received another bill & thought maybe we had not received a final bill. we paid it & now we are receiving another bill. 
We have spoken with them numerous times with multiple representatives, and have been assured that this would be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I ASKED FOR DISCLOSURE OF POTENTIAL CLOSING COSTS, IN ORDER TO SHOP FOR RATES AND FEES WHEN REFINANCING MY MORTGAGE. THE REPRESENTATIVE, XXXX XXXX, I'VE BEEN WORKING WITH ONLINE AND ONE TIME OVER THE PHONE, WOULDN'T GIVE ME THE CLOSING COSTS. INSTEAD, SHE OFFERED THAT " MOST '' OF THE CLOSING COSTS INVOLVE TITLE STUFF. THIS IS UNFAIR, AS MY CREDIT UNION SUPPLIED THE POTENTIAL COSTS DIRECTLY AND UPFRONT. SHE TRIED REALLY, REALLY HARD TO 'SELL ' ME ON AN EQUITY LINE, AFTER DISCUSSING MY NEEDS AND DESIRES. I DIDN'T WANT THAT AND TOLD HER UP FRONT I WANTED A REFINANCE. ALSO, PNC REFUSED TO ANSWER THEIR PHONE ON MULTIPLE OCCASIONS AT THE BRANCH. I HAVE TO DRIVE THERE AND GET IN TO ASK QUESTIONS.

Company response to consumer: Closed with explanation