vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
I originally applied for a Sam 's Club Synchrony bank credit card online through a link from www.samsclub.com to Synchrony bank on XX/XX/2021. I received an email with a link to an explanation of my credit request. When putting in my SSN and zip code, I got the pop up information return that my information was incorrect. I ended up calling Synchrony for Sam 's Club credit on the phone and they told me that they could not release any information of my credit denial over the phone, but could mail me the information to my home. I requested the information. When I received the letter the letter informed me " Your credit request was denied for the following reason ( s ) : Credit bureau reports that the applicant is deceased ''. The letter further informed me that if I questioned the credit bureau 's determination, then to call the credit bureau XXXX. When I called them, they could not explain the determination and that I should call Synchrony for further detail. When I called XXXX, their resolution was to reapply for a credit card for Sam 's Club. I have a XXXX XXXX score, I am not deceased and can not determine why I was denied. I decided to physically go to my local Sam 's Club and apply. I got a friendly customer service representative ( on XX/XX/2021 ), that admitted I was not deceased, but did want to see my photo drivers license. After she entered the detail, my credit card was still not approved so she called Synchrony Bank. They requested that I get on the phone and recite my name, address and last 4 of my SSN. They also asked for my phone number and if that was my only immediate contact for that instance. They then put me on hold and said to please be patient. I waited and the Synchrony Bank representative came back on and said she was going to recite me a url web access. I was to write the address down and go to the web site and video 5 minutes of my displaying verification of my identity. It sounded like holding up my pictured license to the camera and maybe a passport. I was flabbergasted to say the least and said " you want me to go to a website and video tape myself? ". I explained to her that I did not need the Credit Card that bad and would not be preforming for any audience and she could have a good day. I have never heard of anyone being requested to go to a website and video themselves. Is that legal? Thank you for your time. Respectfully, embarrassed.

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 2021-10-23 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: Conn's, Inc.
State: TX

Complaint narrative:
Went to Conns XXXX XXXX in XX/XX/2020 to shop around. Considered getting a few items but ended up not purchasing anything. But in the process, while discussing their terms for products, a sales associate used my information that was previously stored in their computer from years prior to run my credit report. 

He didn't ask me to run it again, nor did I provide my SSN that day. I guess he was just clicking through and assumed he could just run the credit without asking. So now I have these 2 hard inquiries bringing my score down without even purchasing anything from this store.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
I have the bank statements to show the dates paid and will make these statements available upon request. 

Toyota Financial claimed the following late payments on my credit reports. 

A. XX/XX/XXXX late. 
1. Bank statement paid XX/XX/XXXX. 

B. XX/XX/XXXX late. 
1. Bank statement paid XX/XX/XXXX. 

C. XX/XX/XXXX late. 
1. Bank statement paid XX/XX/XXXX. 

D. XX/XX/XXXX late. 
1. Bank statement paid XX/XX/XXXX. 

I traded the vehicle on XX/XX/XXXX but, Toyota Financial continued claiming late payment well past XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
THE ADDRESSES THAT ARE LISTED DO NOT BELONG TO ME. I HAVE NEVER LIVED AT ANY OF THE ADDRESSES THAT ARE POSTED ON MY CREDIT REPORT.

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 2021-10-23 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: Coinbase, Inc.
State: AL

Complaint narrative:
No matter how many times I send them " tickets '' they refuse to answer the basic questions I have or even read the questions I asked. They simply send a link to whatever subject they decide to and then close the ticket without answering or solving ANYTHING. I've had no access to my account for YEARS and all they do is create another procedure I have to follow, change another rule or add two more steps I can't comply with to prevent me from gaining access. Or they simply send the wrong info and close the ticket. No matter how many times I tell them I CAN NOT LOGIN they simply send a link for instructions on changing passwords, etc that ALL START WITH " LOGIN. '' They've simply create a never-ending loop that can't be broken as long as they refuse to read the issues, and continue sending irrelevant links and closing the tickets. And since there is no phone support or direct support with a real person at any stage, I am forced to just keep putting up with whatever stupidity they decide to throw out next. I have even tried asking how to direct my attorney to deal with them and they simply send more links that I can't follow and not answer the question. It was my understanding that they are REQUIRED to provide legal information, but even if that's true, I don't see why they'd start complying now. 
They have made problems where there were none, and refused to answer the most basic questions. The last time we went through all this they said the phone number I signed up with when I opened the Coinbase account was no longer useable ( even though they continue to send 2fa codes to that same number even today ) and claimed I had to open yet ANOTHER account to access MY funds. I played along and attempted to do so and they refuse to help with that. It got as far as opening it and then they said I had a 2fa problem AGAIN when I was actually in the account and trying to make a transaction. No amount of trying to explain that was able to penetrate the thick skulls of the CS reps, asnd thus they continued to claim it was a 2fa problem. Eventually we moved into identification territory. They claimed that my ID had not been verified, even though I'm an existing account holder, but when I was directed to re-submit ID verification I was unable to LOGIN ( which EVERY SINGLE PROCEDURE REQUIRES AS STEP 1 ) and they refuse to do anything except continue to send links for instructions I can't follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Under 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) In accordance with the written instructions per the consumer to whom it relates : XXXX  ( XXXX XXXX XXXX ), XXXX, XXXX XXXX XXXX  never gave XXXX, XXXX, XXXX " written consent '' to report anything on my consumer report they are saying they have but not supplied accurate validation of said certified mailing proving I have supplied such.., No Consent is IDENTITY THEFT. Concerning the account listed below as a Consumer, I Am demanding a deletion of this 3 accounts effective Immediately. I, XXXX XXXX the Executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed. This investigation has prolonged for more than a month. According to the FDCPA this is a violation the account must be removed according to Federal Law, silence is acquiescence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have this accounts that are not mine and i want them to be removed. 

1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

2. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: GA

Complaint narrative:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau, I am given the " run-around ''. I am being told that they have not received said documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times ; I am still given the same response. I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per transaction. Additionally, I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Person selling concert tickets gave me fake information and somehow managed to duplicate one transaction into 4. More phone numbers are using the same method of scamming through app called " XXXX XXXX  XXXX. '' Selling band " XXXX '' tickets at XXXX XXXX XXXX  XXXX on various dates. 
Phone numbers in addition to one who scammed me : XXXX XXXX All out-of-state land lines demanding to use Zelle for payments for same events.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
Hello, I was approved for student loans from Navient in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Throughout this time and for most of my life, my income is well below poverty level and my credit was adverse. I believe that Navient disbursed student loans to me, which I was not qualified to receive. I would like Navient to provide documentation showing my XXXX XXXX at the time of each loan application, which would be XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This information will be necessary to review remediation options with Navient for my outstanding loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: AZ

Complaint narrative:
XXXX, Equiax, and XXXX have investigated my account for over 30 day period. FDCPA says this is a violation as well as Federal violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX, XXXX, and Experian have investigated my account for over 30 day period. FDCPA says this is a violation as well as Federal violations.

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 2021-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Ive had ongoing issues with Cap one witt cards, Ive paid off all cards witt cap one except my journey has a XXXX balance out of XXXX, they reported today my credit usage was 98 percent when I paid off more than 2 weeks ago, they did wave the fees on the last one I submitted to u guys!! Not sure why they like to mess with me!!! Trying to get my score up, but they insist reporting incorrect info!!! Ive also paid many fees I shouldnt have,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: Monterey Financial Services LLC
State: FL

Complaint narrative:
Under 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) In accordance with the written instructions per the consumer to whom it relates : XXXX  ( MONTEREY FINANCIAL SERVICES ), XXXX, XXXX XXXX XXXX never gave XXXX, XXXX, XXXX " written consent '' to report anything on my consumer report they are saying they have but not supplied accurate validation of said certified mailing proving I have supplied such.., No Consent is IDENTITY THEFT. Concerning the account listed below as a Consumer, I Am demanding a deletion of this 3 accounts effective Immediately. I, XXXX XXXX the Executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed. This investigation has prolonged for more than a month. According to the FDCPA this is a violation the account must be removed according to Federal Law, silence is acquiescence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Under 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) In accordance with the written instructions per the consumer to whom it relates : XXXX  ( XXXX XXXX XXXX ), XXXX, XXXX XXXX XXXX  never gave XXXX, XXXX, XXXX " written consent '' to report anything on my consumer report they are saying they have but not supplied accurate validation of said certified mailing proving I have supplied such.., No Consent is IDENTITY THEFT. Concerning the account listed below as a Consumer, I Am demanding a deletion of this 3 accounts effective Immediately. I, XXXX XXXX the Executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed. This investigation has prolonged for more than a month. According to the FDCPA this is a violation the account must be removed according to Federal Law, silence is acquiescence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-23 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: TX

Complaint narrative:
Under 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) In accordance with the written instructions of the consumer to whom it relates.US DEPARTMENT OF EDUCATIONXXXX, XXXX XXXX XXXX XXXX, AND XXXX never gave XXXX, Equifax, or XXXX written consent or permissible purpose to report anything on my consumer report, in addition ti having not validated or confirmed with proof of certified mailing of a written consent in writing by me.. No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of this account. Immediately. I, XXXX, the executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: FL

Complaint narrative:
Investigations taking longer tan 30 days, already a FDCPA XXXX, since is acquiescence. Administrative process is now complete. Companies have not validated any claims only hearsay of reporting accurately and furnishing reports without my consent or proof thereof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Investigations taking longer tan 30 days, already a FDCPA VIOLATION, since is acquiescence. Administrative process is now complete. Companies have not validated any claims only hearsay of reporting accurately and furnishing reports without my consent or proof thereof.

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 2021-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Transunion, XXXX, and XXXX have investigated my account for over 30 day period. FDCPA says this is a violation as well as Federal violations.

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 2021-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
THE ADDRESSES THAT ARE LISTED DO NOT BELONG TO ME. I HAVE NEVER LIVED AT ANY OF THE ADDRESSES THAT ARE POSTED ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
THE ADDRESSES THAT ARE LISTED DO NOT BELONG TO ME. I HAVE NEVER LIVED AT ANY OF THE ADDRESSES THAT ARE POSTED ON MY CREDIT REPORT.

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