vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
Synchrony Bank Care Credit Card showed {$13000.00} on my available credit to use at the emergency veterinarian. I had a balance of around {$7000.00} and made a payment online through my online account with them of {$2500.00} taking the balance down to around {$5000.00} knowing we would have an upcoming charge for XXXX at the vet. During a chat session shortly before I made the online payment they told me payments are credited to my account within 48 hours. I saw that payment on my online account. So I thought things were fine. Then when the vet tried to charge the final XXXX bill for {$6300.00} the charge was denied by Synchrony Bank on my Care Credit Card. In checking with the company they told me it was denied because they put a 9-day hold on the {$2500.00} online payment I made even though this payment clearly showed up on my online account. This is a very deceptive trade practice to fail to disclose in a customers online account that a 9 day hold is being placed on a payment when the online shows the credit is available to use.

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 2021-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
I had made a purchase with a company and never received the items. Tried talking with merchant and filed a dispute on XX/XX/2021 prior I had 2 issues and won both. Also as hotel I never stated and cancelled in person. They said I wouldnt be charged and they charged me and wont refund. Filed XX/XX/2021. Still nothing keep getting the run around told it does qualify for provision then it doesnt. Prior I had a charge from XXXX through XXXX the sold me something stolen and wouldnt refund my money I filed a dispute but the Merchant refunded my money. Current the bank took 2 weeks to say they issued a provisional credit for that dispute yet it had been refunded 2 weeks earlier by the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Collection Systems, Inc.
State: LA

Complaint narrative:
Company reached out to me in XX/XX/XXXXduring the pandemic. I told them I was not working due to covid -19. I received a negative mark on my credit report. The company has been calling me repeatedly and told me they were not going to stop calling until I set up a payment amount. I told the agent I was not working and I did not have any income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have two personal loans from XXXX XXXX XXXX  in the amounts of XXXX and XXXX. I have paid off both accounts six weeks ago and these accounts are still showing as current with the paid off balance still present. I would like for these accounts to reflect as paid so my credit reports can be current and up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express offered a pandemic relief program to its customers with no penalties. I entered this 12 month relief program and just successfully completed it. I had no issues with payments or anything. American Express decreased my credit limit XXXX. I called and they told me they did decrease my credit limit due to being in their pandemic relief program. American Express fights for several social causes and I am so confused why they would penalize customers for accepting their pandemic help with no penalties. When I asked if they would return the limit back they refused. How is this treatment helpful to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Since XXXX of XXXX I began the first time buyers process. On XX/XX/XXXX I submitted a mortgage loan request to a company called XXXX. Prior to submitting the report I checked with all 3 credit bureaus, who listed me above a 620 score, so I was in the range from 630-635. However if you read the attachment from XXXX, they used a company called XXXX XXXX, without my consent who has a score of XXXX. I contacted this company and have asked for the file they have on me, since I have never heard of them. On XX/XX/XXXX I processed an application with XXXX XXXX who just a day later came back with a score from Equifax of XXXX. So I contacted all 3 credit bureaus and not one of them have me listed with a score in the XXXX range. Ive attached XXXX/Equifax and these are the scores as of XX/XX/XXXX. Ive also attached XXXX. I utilize XXXX XXXX and also have gone to the websites of these 3 credit bureaus. Across the board this is unfair and makes me think that once I give my demographic information, then an algorithm is programmed to present incorrect information about my credit score. What other reason could there be for this major discrepancy across all agencies. This is a major systemic problem and could possibly be associated with the people who set the standard. It is clear that it is unfair and feels more like a sham or parody, there is no American dream in it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that Vance and Huffman would verify the debt. So I took it upon myself to ask Vance and Huffman for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Carvana Group, LLC
State: WI

Complaint narrative:
On XX/XX/XXXX I sold my car to Carvana. I had used an account that was closed for my payment from them. The bank confirmed that the payment was rejected and Carvana now still hasnt paid me in 3 weeks even though they have my car and I have no money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have two personal loans from XXXX XXXX XXXX  in the amounts of XXXX and XXXX. I have paid off both accounts six weeks ago and these accounts are still showing as current with the paid off balance still present. I would like for these accounts to reflect as paid so my credit reports can be current and up to date.

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 2021-07-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have two personal loans from XXXX XXXX XXXX  in the amounts of XXXX and XXXX. I have paid off both accounts six weeks ago and these accounts are still showing as current with the paid off balance still present. I would like for these accounts to reflect as paid so my credit reports can be current and up to date.

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 2021-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have had this account 38 yrs a few times renumbered with new account numbers. For the first time today!! I was told when I asked : Why is my minimum payment and balance going UP instead of down for the first time after I made a payment.?? The answer I received from today 's rep was something about covering the whole balance with the minimum payment. 

I am demanding Citibank NA to send me in writing where I agreed to this practice?? and also my original agreement from 1983. This is outrageous, my payments should make the minimum payment as well as the balance go DOWN not UP!!

Is this practice even legal??? I did not sign to it. And why all of a sudden after 38 yrs is this being done to me.?? I have never been late or missed any payments since 1983 origination.

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 2021-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
MIDLAND CREDIT MANAG # XXXX has been attempting to collect a debt that I have requested several times to be verified due to the being unaware of where this is originating from. I have not received any mailed documents per my request and this is in violation of my consumer rights to confirm the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: PA

Complaint narrative:
ABSOLUTE RESOLUTIONS has failed to provide adequate information to validate this debt as mine. I have every right to review how this debt is being verified and connected to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To whom it may concern, Pursuant to 15 usc 1681a ( 2 ) ( B ) " any authorization of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device " Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is '' the term " credit card '' means any card plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit '' Notice, congress said Any car. The credit card is my social security car. This is the credit card I used to originate every consumer credit transaction below. It should be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). This is a violation of my rights as a federally Protected consumer under title 15 chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
I have no idea were this account came from, I've tried to call and write multiple time but no one answers or responds. I've never even received a letter or phone call from these people, the only reason I even know about the debt is because I'm currently in the process of building my credit and whatever this account is, is getting in the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: RateGenius Loan Services Inc
State: CA

Complaint narrative:
I see a hard inquiry from XXXX XXXX And from rate genius on credit report I don't apply for nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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 — Their investigation did not fix an error on your report
Company: Avid Acceptance, LLC
State: VA

Complaint narrative:
I received a bill due in XX/XX/2019 for XXXX or XXXX dollars paid that and was reported 30 days late by Avid acceptance.

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 2021-07-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I have/had two cards from this company Comenity Bank. XXXX and XXXX. They closed my XXXX card without notifying me through call, email or mail. They lowered my credit limit on my XXXX card as to make me over the limit immediately due to late payments without notifying me via call, email or mail. being over the limit affects my credit score. 
In XX/XX/2021 I was behind, they have made a few phone calls in XX/XX/2021, I got caught up. 
XX/XX/2021 I had not yet made a payment. On XX/XX/2021 This creditor called my before XXXX XXXX and left me a voicemail as well Obviously contacting anyone regarding a debt before XXXX XXXX is illegal. 
I refuse to be harassed by this company because they can't follow the law. Then they punitively punish me because I'm behind on ONE card and my other has a PERFECT payment history and they closed it anyway and drop my limit as to insure I'm over the limit on the open account. In what world is this acceptable and ethical? 
I will not have my peace disturbed before XXXX XXXX. My Payment is due the XXXX and these people call me illegally on the XXXX before XXXX its predatory, its harassing, its unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  and XXXX  Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XXXX XXXX XXXX # XXXX has been attempting to collect a debt that I have requested several times to be verified due to the being unaware of where this is originating from. I have not received any mailed documents per my request and this is in violation of my consumer rights to confirm the debt.

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 2021-07-23 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: TX

Complaint narrative:
There are several items on my credit report that I have paid off over a year ago. Being the lender XXXX XXXX required that all open collections be paid off and they wrote a check to pay off items in order for approval of funds. 

The following account name - 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 2021-07-23 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: TX

Complaint narrative:
There are several items on my credit report that I have paid off over a year ago. Being the lender XXXX XXXX required that all open collections be paid off and they wrote a check to pay off items in order for approval of funds. 

The following account name - 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 2021-07-23 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: CA

Complaint narrative:
This company, just placed a collection account on my credit report for {$1600.00}, on XX/XX/XXXX, so I called company got into heated argument with agent because I said this company never mailed out any information about this debt account so I can properly dispute these charges? And I asked for the original credit collector, she stated you know who they are? Excuse me I said can you mail me out a copy she stated yes? and still haven't received a thing from this company, in writing. but every other day reporting the balance is going up by XXXX to all credit bureaus.also the original credit collector is XXXX XXXX and it was fraudulent charges made on the account resulted in them closing the account..then almost a year later this company picks it up trying to collect the debt. Let agent know at midland Credit management. That the original debt collector XXXX XXXX  failed to mention this account had fraudulent charges and was closed out. She insisted it wasn't true, and proceeded to tell me I'm responsible and need to pay. This company dates don't line up with when the original account was open. The original account was open in XXXX XXXX.this company stated this account was opened XX/XX/2020. Making it only open for 10 months on there end. They have balance as XXXX the original card balance was {$1500.00} and closed at {$0.00} balance owed.this agency is flagging my accounts every other day. On all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NY

Complaint narrative:
I have a chime account and they close my account saying it was fraud I sent them all the information they need and they still didnt open my account back that has all my money in it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: PA

Complaint narrative:
PORTFOLIO RECOVERY # XXXX has been attempting to collect a debt that I have requested several times to be verified due to the being unaware of where this is originating from. I have not received any mailed documents per my request and this is in violation of my consumer rights to confirm the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that Transworld Systems would verify the debt. So I took it upon myself to ask Transworld Systems for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX # CAPITAXXXX has been attempting to collect a debt that I have requested several times to be verified due to the being unaware of where this is originating from. I have not received any mailed documents per my request and this is in violation of my consumer rights to confirm the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: Resurgent Capital Services L.P.
State: NJ

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

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

2. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation