vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: SC

Complaint narrative:
I had an open complaint with Discover for a charge of {$7900.00}. Discover is stating that the merchant validated the charge but I wasn't disputing the charge amount, I was stating that services weren't received for that charge. I uploaded the information that I had from the merchant stating that a refund would be issued, however the Discover stated that they could only refund the charge if I had something from the merchant specifically stating that they would refund the charge on my discover card specifically. I had the same issue with XXXX XXXX because I had to split the total charge between both cards. XXXX XXXX has resolved the Issue with the documentation that they received from me but discover is stating that there isn't anything they can do about it. Today I receive an invoice from discover that is not very legible bate out what I can make out from the invoice is that it isn't generated from the same company that I had conducted business with and the date on the invoice doesn't match the date the transaction was made. It was an entire week later. I submitted the corrected invoice to discover stating that the merchant charged me more than what they submitted to discover but it was just split between two different cards. I also submitted a letter from the account manager which explained that the company would issue a full refund for not providing services. Discover also accidentally sent me another consumers information which let me to think about if my information had been sent to another consumer as well. I am concerned about the security of my information and Discover 's lack of their attention to detail. This company has a lot of sensitive data that they have been careless with. They also failed to do their due diligence when handling my case and refuse to open the case back up because they claim the information I have isn't specific enough. The executive office of Discover also has also stated that there is nothing that can be done for me. I have tried everything to bring this case to a resolution but I do not feel as if my dispute has been taken seriously. You will see in the attached documents that discover forwarded me another consumers dispute information. I am concerned that my information may have also been compromised in the process. All the information I uploaded was enough to bring the case to a resolution with XXXX XXXX, I don't see how discover couldn't do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
ON XX/XX/XXXX, AS I NORMALLY DI, I WITHDREW 500 FROM MY PEOPLE DRIVEN CREDIT UNION AND DEPOSSITED 440.00 INTO MY NAVY FED ACCOUNT. I SOMETIMES EITHER DO A TRANSFER, ELECTRONIALLY, BUT 90 % OF THE TIME, I DO CASH DEPSOSITS. I CONTACTED NAVY FEDERAL ON XX/XX/XXXX BECAUSE I NOTICED THAT MY DEPOSIT WAS NOT IN MY ACCOUNT. I SPOKE XXXX IN ACCOUNTING WHO TOLD ME THAT HE SAW THE CASH DEPOSIT AND THAT IT WAS ON HOLD. I ASKED HIM WHEN DID CASH DEPOSITS START BEING ON HOLD, HE SAID THAT THE NORMALLY ARE NOT. HE PLACED ME ON HOLD AND COMES BACK TO THE PHONE AND ASK DID I HAVE A RECEIPT SHOWING MY WIHDRAWAL. I SCREENSHOT THE WITHDRAWAL FROM MY ACCOUNT AND EMAILED IT TO THEM, HE PLACES ME ON HOLD AND THEN A LADY, WHO INTRODUCED HERSELF AS A SUPSERIVOR BY THE NAME OF XXXX, THAT COULD BE SPEELED INCORRECTLY, BUT SHE SAYS THAT THERE IS NO WAY THAT THEY CAN CONFIRM IF IT WAS A CASH DEPOSIT. I ASKED HER WHAT ELSE CAN YOU TAKE OUT OF AN ATM. THE SCREENSHOT SHOWED THE AMOUNT AS WELL THE ATM, TIME AND DATE. SHE REFUSED TO RELEASE MY FUNDS. I AHVE NEVER GIVEN NAVY FEDERAL A DEPOSIT. MY PATTERN HAS BEEN THE SAME SINCE I JOINED THE CREDIT UNION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-02-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: OH

Complaint narrative:
I received an collection email on XX/XX/XXXX, supposedly on behalf of Speedy Cash. I called Speedy Cash and confirmed that this is not a legitimate debt or correspondence from their company. I am including the information in the email below : " CREDITOR : SPEEDY CASH ( ADV.AMERICA ) CASE NO : XXXX Attention, AMOUNT OUTSTANDING : {$970.00} This Proceeding issued on you Docket No : XXXX with one of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department has decided to mark this case as a flat refusal and press legal charges against you. 



We have sent you this warning notification about legal proceedings on XX/XX/XXXX but you failed to respond on time now its high time if you failed to respond in the next 12 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. 



We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$8600.00} and will be totally levied upon you and that would be excluding your attorney charges. 



Please let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your local county sheriff department and you will be served by court summons at your doorstep. 



This is your last and final chance to settle this case. If you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences. 



By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records. 



IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO RESTITUTION DEPARTMENT : XXXX : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX, XXXX "

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I purchased a new laptop from a company ( " XXXX '' ) for {$260.00} on the XXXX of XX/XX/XXXX. This laptop was sent to me with a significant flaw, and was " significantly not as described ''. I attempted to send the item to XXXX for repair or return, and was denied.

As a result, I had to resort to filing a dispute with Paypal/Paypal Credit/Synchony XXXX XX/XX/XXXX. Paypal/Paypal Credit/Synchrony have been repeatedly denying this dispute based on absolutely nothing, taking months to reply to even basic emails.

I filed a XXXX  complaint about Paypal/Paypal Credit/Synchrony 's behavior on XX/XX/XXXX. They replied to my complaint without actually acknowledging any of the facts of this case, and did not attempt any resolution. 

I have attached the XXXX emails, XXXX  complaint, and an example response from Paypal/Paypal Credit/Synchony about a chargeback .

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 monetary relief
Consumer complaint received 2022-02-04 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:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: TX

Complaint narrative:
Home was damaged from hurricane Ida mortgage company approved me for forbearance for XXXX XXXX and XX/XX/2021. Mortgage company reported me as late to the credit bureaus and said the wrong code was sent should have been disaster code. Have been reporting this process since XXXX itll get fix and then itll go right back. I have emails and a statement from this mortgage company about fixing this issue and nothing is getting done. My husband and I were supposed to get a lower interest rate but the mortgage company messed up my credit score and we were set for closing. So this is a huge deal because they messed up our credit score

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 2022-02-04 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:
Home was damaged from hurricane Ida mortgage company approved me for forbearance for XXXX XXXX and XX/XX/2021. Mortgage company reported me as late to the credit bureaus and said the wrong code was sent should have been disaster code. Have been reporting this process since XXXX itll get fix and then itll go right back. I have emails and a statement from this mortgage company about fixing this issue and nothing is getting done. My husband and I were supposed to get a lower interest rate but the mortgage company messed up my credit score and we were set for closing. So this is a huge deal because they messed up our credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Possible Financial Inc
State: CA

Complaint narrative:
Im not sure if my CFPB complaint is categorized properly. I applied for an extension of credit with Possible Finance. They denied my application even though I provided my social security number. This is an adverse action. It is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: AR

Complaint narrative:
Sunrise Credit Services XXXX fore over XXXX months has failed # XXXX Company there Collecting For # XXXX has only my Social Security Number and was trying XXXX get more personal information I SIMPLY TOLD HIM TO COMPLY AND PROVE BY MY SIGNATURE AND COMPANY I OWE AND SEND DOCUMENTS IF ANY TO XXXX XXXX XXXX XXXX AR 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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

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 2022-02-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

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 2022-02-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of a new loan transaction and this error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. Please delete this fraudulent account from my credit report. I am submitting this dispute for myself and not anyone else.

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 2022-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
account was closed in XX/XX/XXXX there was an automatic payment attempt so there was a {$35.00} fee. the next month additional fees were applied until they sent me a bill for {$130.00} dated XX/XX/XXXXXXXX. First time i even was informed there were monies owed! I called Citizens bank XXXX unit and they told me these were just fees and they should be removed. But i would have to go speak to the branch manager. I went to see the branch manager and she basically told me I'm a deadbeat and i would have to pay this.My questions are this why did citizens wait 3 months to inform me i owed this? Why would citizens bank keep chaging interest and late fees on a closed account? And why wait until these fees are {$130.00}?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX, has used my name and written insurance claim checks in my name but with the incorrect birthday ( the year is not correct ) on XXXX different claim policies. 

XXXX {$10000.00} XXXX {$3700.00} XXXX {$6000.00} The information was used at an address I do not dwell in and is hindering me from getting homeowners insurance for my home i just purchased XX/XX/2022. When I called for assistance in getting this information corrected the company could not help because I did not know the security questions that the individual has used. 
I want Wells Fargo Bank XXXX to be notified too because they are the Mortgagee company

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 2022-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ATG Credit, LLC
State: IL

Complaint narrative:
ATG Credit , LLC reported a collection account on my credit report on XX/XX/XXXX. I was unaware of this until I received a call from an ATG Credit collection person on XX/XX/XXXX. I informed the person that I had no recollection of an unpaid medical bill or receiving services at XXXX radiology at that time. I also informed them that I have never received a collection notice or an unpaid bill notice and asked to be provided that information in writing so I could evaluate the validity of the account. The collection person refused my request and told me I had only 2 options. I could either negotiate payment or it would remain outstanding. I then checked my XXXX credit report and discovered there was in fact a collection reported by ATG Credit. I filed a dispute with XXXX and the result of their investigation was Verified as accurate. Im filing this complaint because ATG Credits unwillingness to provide me detailed information makes me believe the collection attempt is fraudulent and would like it expunged from my credit report and have appropriate actions taken against ATG Credit if theyre in violation of any laws or standards. 

ATG Credit , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
On XX/XX/2022 I received a letter from Comenity Bank regarding my Arhaus Credit card stating they lowered my credit limit from XXXX to XXXX. The explanation they provided me with is they reviewed my credit through XXXX and due to my score being significantly lower which on their letter stated my credit score is currently XXXX which is incorrect! I called the company to try and resolve this issue and got no where. Was told to contact XXXX which I did and got a copy of my recent credit report. I just received my report that states my credit score is XXXX and I have no late pays or over the limit issues with Arhaus and No Late pays on any of my other cards! I am also aware lower someones credit limit can also hurt their credit significantly! I have never had a credit card company Lower my limit ever and Im appalled Arhaus did this to me which Is totally unfair and based off incorrect information!! I want my limit raised back to the original amount! If not, I plan to get legal representation but want to try and resolve this before taking it to that level.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I filed for chapter XXXX bankruptcy protection on XX/XX/XXXX. The XXXX bank store credit card in question was included in the chapter XXXX petition. However, the account is being reported inaccurately on my credit report. The incorrect date as to when the bankruptcy was filed is being reported on my credit report. I have disputed the information several times including multiple phone calls and thus far nothing has been corrected. The date that shows on my credit report is XX/XX/XXXX, instead of XX/XX/XXXX on my Transunion report. This account only shows correctly on my XXXX report. Due to this erroneous date my credit score is not improving as I work to rebuild my credit during my chapter XXXX plan. Although they have the correct information regarding my bankruptcy, they are refusing to report the accurate information, which they were doing as recent as XX/XX/XXXX. I will enclose a copy of a recent credit report to corroborate this information. XXXX XXXX XXXX had reported " charge off '' on my XXXX report and I successfully disputed that information and it was corrected. Because of this error I no longer qualify for a mortgage I was approved for in XX/XX/XXXX. I disputed this information with Transunion as well and the information was not updated. Please help me with this matter. As the consumer I feel helpless to be treated fairly, even though I sent proof along with my dispute to XXXX, as well as, Transunion such as the bankruptcy petition that lists this account and the filing date the credit bureaus are still reporting the incorrect information. Please help me this matter. Thank you advance.

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