vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My father is the primary account holder of the family 's Chevron/Texaco card which is issued by Synchrony Bank. 

My father recently went into assisted living, so I called the card company to ask how I could manage the account, and I explained that I had power of attorney. ( POA ). They asked for the power of attorney document to be faxed to them, which I did. 

Then I went to get gas, and the card was declined. I called and they told me that there was a restriction on the account until the power of attorney documents arrived - this makes no sense, as the primary card holder, my father, has made no changes to the account at all, and until the XXXX arrives he is still the person they should talk to. In other words, they conflated the question of whom they could talk to about the account with the question of who the authorized users of the account are. 

Meanwhile, I was stranded with less than XXXX miles worth of gas, and was given no warning of the restriction. We would have been better off just never telling them about the XXXX, and instead I could have just logged into the account as my father. This is what we get for trying to do it the right way. 

We have been XXXX customers since 1962. It's really upsetting to be rewarded with loyalty this way.

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 2020-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flat Branch Mortgage, Inc.
State: IL

Complaint narrative:
When applying for a mortgage with Flat Branch Mortgage Company I had a really bad experience with XXXX XXXX. I feel I was discriminated against because Im a XXXX Man. Everything she asked me for I supplied it and when she asked for a certain amount to be in my bank account I made sure it was in there. That was the last thing I needed to do to get my preapproval letter. She however came up with something else, she told me I needed to show a paper trail, she began asking me for all this other information to show where I got the money from because as far as she's concerned I could've gotten it from a " XXXX  Deal '' ... ..that is a XXXX comment and Im pretty sure she would not of said it to me if I was a white male. I complained to her manager XXXX XXXX and he backed her with everything and he was extremely disrespectful. I told her that was a XXXX comment and she said she was at a closing before and they found out the money was from XXXX  ... .I then asked her what does that have to do with me? I dont sell XXXX  or do XXXX  my Wife and I work everyday. I feel they are XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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
Consumer complaint received 2020-07-27 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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
Consumer complaint received 2020-07-27 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: IN

Complaint narrative:
TransUnion is showing my car loan with credit acceptance increased by {$210.00} on XX/XX/20. I disputed it and results say no change needed. I spoke with XXXX XXXX 3 times regarding this change and they assured me that my loan will never go up and will decrease each month. I have never been late on my car loan. They also stated that TransUnion has made the mistake and they need to fix it on their end. I spoke with TransUnion and they state it is correct. I just go back and forth between the 2 of these companies. Please help. Thank you. 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 2020-07-27 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: IL

Complaint narrative:
This is in regards to Portfolio Recovery Associates. Following receipt of a letter from from PRA 's attorneys, XXXX XXXX XXXX, back in XXXX, I requested documentation for proof of debt & proof that they were, in fact, authorized to collect the alleged debt. After a month went by with no documentation, I called XXXX XXXX XXXX to find out where the requested documentation was. I was told, at that time, that documents would be forthcoming. I waited another month, & no documentation arrived. I have now called numerous times requesting documentation, each time asking it be sent certified mail for proof. No documentation has ever been received. 

In the meantime, on XX/XX/XXXX, I received a summons. Upon receipt of the summons, I immediately called XXXX XXXX XXXX, & the person I spoke with told me that the requests I had made were " not worded correctly, '' & that I didn't " use the proper terminology. '' When I asked that the case be delayed/dropped until I receive the appropriate documentation, I was told that I " better show up to court, '' & I " will receive the documentation at that time. '' I then said I am requesting arbitration or mediation, & I was told that was not an option. However, I am well aware that it is, in fact, an option. 

As of today, XX/XX/2020, I have yet to receive proof of debt or proof that they are authorized to collect the alleged debt. My attempts to exercise my right to arbitration or mediation, if need be, have been ignored. Each time I have advised the reps at XXXX XXXX XXXX that I wish to record the calls, I have been threatened to be hung up on or just hung up on. Obviously, they don't want me to be able to defend myself with proof of the multiple requests for proof of debt and arbitration/mediation requests I have made or to use anything they might say against them. 

Clearly, Portfolio Recovery Associates & XXXX XXXX XXXX are trying to overwhelm, harass & threaten me. I am currently out of work due to COVID, & they are causing me great distress. This is mental abuse, at this point, & judging by the comment of the last rep I spoke with, they do not intend to stop. They are as shady as they come, and they obviously prey on people who can not afford an attorney, & they try to bully them into paying debt that is not owed by threatening them with legal action, or in my case, filing a lawsuit without the proper verification of debt or option of arbitration or mediation, if necessary. 

This is the exact same MO they used in the last case, i.e., they didn't send proof of debt, then tried to sue me. Portfolio Recovery & XXXX XXXX XXXX are XXXX, & they should be investigated & sanctioned for their unscrupulous business practices. I hope you will take the appropriate action against them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX  XXXX Company Inquiry : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I signed up for Equifax Total Premier service on XX/XX/2020. After completing the sign up I created an online account. However, I was unable to login to the created account. I received a message that said call customer service. I contacted the toll free number only to be told that Equifax was unable to unlock my account and that I needed to mail a letter with a copy of my license and Social security card. I mailed it in. This past weekend my card was charged the monthly fee. I called customer service to inquire why this happened only to be informed that my paperwork was never received. I was given an excuse and a fax number to send my information over again. I faxed them over and called customer service again only to be told again that my paperwork has not been received. I was put on hold and transferred 4 times for over an hour and 20 minutes only to get hung up on. I called back again and now can not get in contact with a supervisor

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: TX

Complaint narrative:
No evidence of accounts investigated and credit bureaus unwilling to investigate accounts despite all Identification Verification being submit. 

Credit Bureaus added inaccurate information onto XXXX  account that was never sent in dispute but didnt investigate the accounts that were inaccurate and requested for investigation.

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 2020-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
R.S. CLARK AND ASSOCIATES INSTALLMENT Review Response XX/XX/XXXX I have had several letter requesting proof of the original debt sent to my attorney with XXXX XXXX nothing was received. I advised I had a attorney do not call and they called anyway. I went with another party since they did not respond.I advised I was invoked my rights with the Fair Credit Law. This info has been disputed with the company several times and they are refusing to comply with all request. I am asking that the phone call stop, the item is removed for my credit report showing in collections and this is been going on since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: NY

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2020-07-27 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: NY

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX  XXXX Company Inquiry : 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 2020-07-27 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX XXXX Company Inquiry : 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 2020-07-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX/XXXX  XXXX/XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: TX

Complaint narrative:
FRAUDULENT INFORMATION IS BEING REPORTED AND THE REPORTING AGENCY IS BEING NEGLIGENT DESPITE ME SUBMITTING POLICE REPORTS AND THEFT AFFIDAVITS

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 2020-07-27 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: TX

Complaint narrative:
FRAUDULENT INFORMATION IS BEING REPORTED AND THE REPORTING AGENCY IS BEING NEGLIGENT DESPITE ME SUBMITTING POLICE REPORTS AND THEFT AFFIDAVITS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: TX

Complaint narrative:
FRAUDULENT INFORMATION IS BEING REPORTED AND THE REPORTING AGENCY IS BEING NEGLIGENT DESPITE ME SUBMITTING POLICE REPORTS AND THEFT AFFIDAVITS

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 2020-07-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit bureau 's are reporting incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The credit bureau 's are reporting incorrect information 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