vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank stole my rewards-points..... 

Synchrony Bank offered ( in writing ) an XXXX credit card with 5 % reward for purchases until XXXX XXXX and I accepted their offer. When I had accumulated XXXX points, I tried to redeem them, towards my statement bill. They did not allow me to redeem my points, saying I " had to wait until the next billing period ''. 

Several days later, via the phone, I paid my entire balance, and again tried to redeem my points, and they again said I'd have to wait. 

The next day, Synchrony closed my account,,, and canceled my points, down to zero. 
I had accumulated {$930.00} worth of points, and Synchrony stole those points. 

I had never been late on a payment,,, ever. 
Synchrony simply didn't want to pay the amount they agreed to, by contract. 

Synchrony reneged on the contract between us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
I had an account with XXXX XXXX XXXXXXXX that was placed on seasonal hold until XX/XX/2022. XXXX migrated to a different billing system and did not transfer my information correctly. The last payment I made was on XX/XX/2022 for {$60.00} and my account had ZERO balance. I found out that on XX/XX/2022 XXXX sent my account to collections by mistake and I was charged a total of {$180.00} for unreturned equipment and other fees. I do not owe money on this account and the equipment was returned/exchanged on XX/XX/2022 when I got service in a new location. I called XXXX and also called Sunrise Credit Services to report and dispute this charge ( SCS Account # XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I, the consumer, natural person and original creditor have come to the understan that Equifax, XXXX and XXXX have placed inquiries on my consumer report without my knowledge and authorization. This also tells me that transactions took place without my knowledge. Seeing as though I have no received any benefit regarding this violation, they should not have been placed on my account. Not only have my rights to privacy been breached but I also did not give these companies permission to furnish this information. This is a violation of the Credit Reporting Act Section 1681 b ( c ). Also 15 USC 1681 b, 15 USC 1681b ( c ) ( 3 ) and 15 USC 6802. I am well aware of how consumer reports work. It troubles me to know that you relied on my ignorance to think that I would not recognize these violations being committed to not only me, but countless other consumers!! As a consumer, natural person and original creditor protected by the FDCPA Title 15 Chapter 41, Pursuant to 15 USC 1692c ( c ) ( 3 ). I am demanding validation of this information showing documentation with any of these accounts bearing my signature authorizing an inquiry. I also demand that these inquiries be blocked and removed from my consumer report immediately! I also demand Equifax, XXXX and XXXX to provide documentation of me providing them permission to furnish my information. I am attached a copy of the inquiries I am requesting to be removed. 

Best regards XXXX : XXXX All XXXX inalienable rights reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX and XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX continues to violate my rights by publishing without my written instructions. 
In light of recent investigations brought upon XXXX, I find that my consumer file is being irresponsibly tampered with. over the past year I have made several attempts to remind you of your duty pursuant 15 USC 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that i am due, promised accuracy in my report based on federal law. I am making this effort as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigations all of the unverified information must be promptly removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that can not be verified or validated, also Experian responded to prior complaint that, Upon further research and re-investigation, and in accordance with the FCRA, the inquiries are in the process of being removed or not listed on the Experian credit report, except for one of them. Once the update has taken place an updated copy of the credit report will be forwarded to you for review. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal system. still on my report are XXXX XXXX, XXXX XXXX  and XXXX XXXX Im wondering why they said they would remove all but 1 and they are still there?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
An unrecognized collection account appeared on my credit report on XX/XX/22. I have never had any business exchange with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Covid, We were paying on time until the pandemic. I could not pay due to no income. I am a real estate agent. I requested a forbearance and they agreed to let me miss payments. 
Once I was able to resume payments, they refused payment. I requested a forbearance as advertised on all news channels and they said no because " I refused and or told their agent I did not want a forbearance ''. This is not true I never said that I didn't want a forbearance. They said " it is in their notes of when I spoke with an agent ''. There must be a misunderstanding. I never said I didn't want a forbearance. 

I want the forbearance and I can pay monthly. They requested modification documents then said I didn't qualify for a modification. 

Please listen to the recording, I never said I refused to any type of help. If it in their notes they must have the date and time I allegedly refused the forbearance. 

I want to keep my home and only missed payments due to the pandemic. Please have them submit a copy of the recording.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08 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: OH

Complaint narrative:
I've just received a copy of my consumer report and noticed some unauthorized inquiries on my consumer report heres a list of the items i want removed and they are not attached to any account currently on my consumer report. US SM BUS ADMIN ODA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
JB BYRIDER CNAC XXXXXX/XX/XXXX I was told by the dealer if I cosigned I would only be on the loan for 6 months and then after 6 months I would be removed now they want remove me the person who has the vehicle is about to file a XXXX XXXX XXXXnd they won't give me any information and they only reason I put my name on this vehicle is because the sales guy as well as the manager stated my name would only be on their for six months. And here we are in XX/XX/XXXX i have called emailed and no one would help me they used deceptive practices to get my name on the loan know they won't uphold their end of the agreement and my credit is being tarnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I asked the credit bureaus to do a verification on my credit report to make sure everything was accurate. All three credit bureaus said that they did complete an investigation and stated that everything was accurate. I completed a thorough research myself and found improper inaccuracies on the credit report even after the credit bureaus did the thorough research. 

Account Name Account Number Company Name Accounts Receivable XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, and Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have an Experian Boost Account and have been trying to get them to resolve a loan market feature on their application. It will not allow the application to complete, it requests the last 4 of an SSN. But will not open a field to accept this. I noted today that my score had dropped by XXXX points without explanation and I wonder if hard inquiries were submitted against my credit report without my knowledge or authorization. 
Experian has failed to address or respond to my requests for information and to resolve this issue. 
I want these issues corrected immediately and my score updated prior to the change without my consent for any inquiries at all. Also, they even advertise if the application could be completed it would not affect a score. It should be a redundant statement as again the feature can not be completed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I received a letter from a debt collection company called Convergent Outsourcing. It gave an address on XXXX, WA. The letter stated I owed XXXX {$140.00}. I confirmed today with XXXX billing that I owe them nothing. Moreover, XXXXXXXX  stated they had not sent my account number XXXX had not been sent to any collection agency. However, the Convergent Outsourcing letter referenced this account number. Convergent Outsourcing 's account number for this collection attempt. is : XXXX. 

Recently, I paid a XXXX bill for {$70.00}. XXXX also billed {$71.00}, due XX/XX/2022 ; however, I was told, orally at a XXXX store, that the latter sum was to be pro rata reduced to only the amount owed for XXXX days of a month in which I discontinued service temporarily. Therefore, XXXX XXXX representative told me, I should not pay the {$71.00} but should wait for a credited sum to offset almost all of it. 

I have e-mailed Convergent Outsourcing to dispute the {$140.00} they claimed I owed. Web search reveals other customers of XXXX have made similar complaints about Convergent Outsourcing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
I set up my autopayment on Ally Home Loans website on XX/XX/XXXX. Their system had told me the payment was set up and no further action was needed. It was to my surprise when they called me a month or so after, telling me that they still had not received payment. They requested I manually pay the amount over the phone, which I did. They claim they sent me a notice of which I never received as they had my address in their system wrong. They were sending mail to my old address. I asked Ally home loans to fix this multiple times over the phone and they never did, and I never received any notices in the mail. Their autopayment system messed up, even though it told me I was set up. They sent delinquencies to the wrong address as well. I can tell in their messaging system, which did not have these documents at that time they were using my old address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: TN

Complaint narrative:
Went to a car dealership and they sent up multiple hard inquiries that I did not consent to. I only wanted one inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: CA

Complaint narrative:
I have recently reviewed my credit report and noticed an unauthorized account on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, and you were partial. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete the XXXXXXXX XXXX  ( XXXX ) account off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I recievd a copy of my consumer report with the intentions to improve my credit and noticed a account that i want a little more explanation on im not saying it is reporting rite or wrong im just not 100 % sure if it is. I also read somthing called the Fair Credit Reporting Act where it give me the rights to challenge anything i am not sure is 100 % accurate. In 15USC it states if you caint provide proof this account must be deleted. Well i want this account deleted if it is not reporting 100 % accuate. I heard by law you have 30 days to investigate this dispute. 

XXXXXXXX XXXX XXXX XXXXXXXX Please investigate this account and remove if theres anything missing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 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: TX

Complaint narrative:
My personal info was used without my permission to open fraudulent accounts, unauthorized and unknown residenal addresses. 

XXXX XXXX XXXX XXXX XXXX : {$630.00} Date Open : XX/XX/XXXX Addresses XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tx XXXX Equifax XXXX XXXX Funding Date Open : XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX # : XXXX Date Open : XX/XX/XXXX Bal : {$630.00} XXXX XXXX XXXX # : XXXX Date Open : XX/XX/XXXX Bal : {$2800.00} Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX and Equifax has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Equifax continues to violate my rights by publishing without my written instructions. In light of recent investigations brought upon equifax, I find that my consumer file is being irresponsibly tampered with. over the past year I have made several attempts to remind you of your duty pursuant 15 USC 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that i am due, promised accuracy in my report based on federal law. I am making this effort as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigations all of the unverified information must be promptly removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that can not be verified or validated. 
I have Hard Inquires that need to be removed as well, 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 2022-08-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Someone is opening multiple accounts under my name fraudently. On XX/XX/2022 I received a letter from Chase that someone tried to open an Amazon XXXX XXXX signature account under my name. I know the address that they put on file because they have done this before with other accounts. They order clothes and electronics and get it shipped to their house. I want this to stop so what steps do i have to take in order to make it happen. I called the company Chase but they told me to make a report with you guys to get it investing. I have multiple police reports as well showing all the accounts they have opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08 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: IN

Complaint narrative:
Hello, I have 2 XXXX XXXX accounts on my credit report that are reporting inaccurate information on my credit report. I have contacted XXXX XXXX XXXX and the 3 credit bureaus.

I found 2 different XXXX XXXX accounts with the same account numbers. 

Different account balances across the 3 credit bureau 's. XXXX XXXX XXXX XXXX XXXX with account credit limits of XXXX and XXXX being reported. 

Since discovering these inaccuracies I wrote XXXX XXXX XXXX and the 3 credit bureau 's . I asked for original contracts and deletions. In return I received information stating everything is correct. A statement and letter saying everything is verified. 

I have been sending letters since XX/XX/2022. I never received anything with my signature only letters that came after 30 days. 

I disputed the information and in the remarks on my credit report it states that its resolved when it is not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IL

Complaint narrative:
For over 5 years, I have attempted to get this loan cancelled under the medical technician provision. Of all the requests, only 2 were actually applied to my account, when I qualified for the entire amount to be cancelled ( 5 years worth ) - an email is attached showing a cancellation was in place in 2019. 

I have been unemployed for several months and was recently notified of the loan being transferred to collections. On XX/XX/XXXX, I uploaded the deferment form ( before the loan was sent to collections ), on XX/XX/XXXX, I was notified my loan went to collections and on XX/XX/XXXX, I was notified my deferment was denied because my loan was in collections. When I uploaded the request on XX/XX/XXXX, my loan was NOT in collections. I need the deferment to be applied so I can get the cancellation requests done AGAIN.

Company response to consumer: Closed with explanation