vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: KS

Complaint narrative:
This collection company is harassing me about a debt that was fraud and not mine! I demand they cease and desist under the fair credit reporting act and fair debt collection practices act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: TN

Complaint narrative:
I have contacted the credit reporting agencies by mail disputing XXXX XXXX informing them that this account is a fraudulent and that my identity had been compromised.

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 2022-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2021, I applied online for the XXXX credit card with Comenity Bank using my current address of XXXX XXXX XXXX XXXX XXXX, CA XXXX. The application was under " submission. '' As my credit score was and is over XXXX, I immediately contacted Comenity regarding the my application. I was told that I had to wait until I received a decision in the mail. 

I later received a letter ( attached ) from Comenity dated XX/XX/2021 stating that I needed to call and confirm my address. I immediately called the number listed on the letter and confirmed my address of XXXX XXXX. Also, CLUE NUMBER 1 to Comenity in verifying the XXXX XXXX address, is the FACT that I received the letter at the XXXX XXXX address and called them. 

I later received a letter at the XXXX XXXX address ( attached ) dated XX/XX/2021 informing me that my application was denied since Comenity couldn't verify my address. I was instructed to call XXXX to resolve the issue and then I could reapply again. Again, I called Comenity after I received the first letter I called to verify the XXXX XXXX address. 

There is no conceivable basis as to why my application was denied. I understand security and the extra protection for consumers by verifying addresses, but this was not handled properly by Comenity as I verified my address.

I can only surmise that it is discrimination based on my age, among other things, or Comenity 's ineptitude in handling this matter, or both. 

I subsequently attempted to dispute the hard inquiry on my XXXX report, but Comenity confirmed the inquiry to XXXX. 

Now I'm left with a hard inquiry and a lower credit score on my XXXX credit report due to Comenity 's discriminatory practices/ineptness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: MA

Complaint narrative:
In response to a promotion by Key Bank which offered a {$200.00} bonus for opening a checking account and having {$500.00} direct deposited to that account, I applied online for a checking account using the online promo code with Key Bank. I was approved ( see attached ). However, when I attempted to access the account online it confirmed my user name but I could not get a new password. I was told that I was locked out and should call XXXX where I spoke to XXXX at great length on Saturday, XX/XX/2022. He concluded that the account was indeed open and that someone from tech support would sort out the problem and send me an email next week. After no email came, on XX/XX/2022, I called the same number and spoke to XXXX who insisted that I must appear in person to confirm my identity. I told her that was impossible and she told me there was nothing she could do. In the meantime, I have set up direct deposit with one of my employers who has sent {$0.00} to this account and two other banking institutions have send test deposits. I have no idea what the problem is with identity since that was checked in the application which was approved. XXXX told me that as of XXXX am XX/XX/2022, someone at Key Bank decided that I must appear in person to validate my identity. There was no explanation nor logic to this request. I am elderly ( age XXXX ), not in good health and can not make a trip to XXXX, XXXX. I live in Massachusetts. Key Bank needs to open the account and be done with this foolishness. The offer was to open online which is what I did. To do otherwise is bait and switch and fraud. To further show how chaotic an operation Key Bank runs I received an email on XX/XX/2022, encouraging me to make at least a {$10.00} deposit or the account would be closed as of XX/XX/2022. No written demand to appear in person was listed in the email. I think Key Bank hides behind the boogeyman of fraud to cover its general incompetence. Clearly they do not know what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio recovery sends me a letter wed account is no me I sent a letter back asking for information they never send me nothing Not a XXXX the account is my

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Someone has used my ssn has all my information i have even changed it then people starting using my parents ssn to apply for things i cant even open my own bank account because someone has been using my information so much i have over XXXX hard inquiries that i have no freakin clue whk these companies even are i dont know how my family information got leaked or exposed i need a new ssn because im not able to do anything with the number i have there is a XXXX  XXXX account linked to my ssn i never had XXXX  XXXX this is crazy my parents think its my fault our information got leaked but its not they have also made reports there names are XXXX XXXX XXXX XXXX XXXX XXXX XXXX name is XXXX XXXX XXXX and i need someone to help us fix this i also recieved in the mail i threw away but because i thought it was a joke but now thinking back at it i should of taken it more seriously i recieved a lettter that read about how i my family credit would go to XXXX and how i would be the one fault it was and how my ip addresse would be exposed copies or something i thought it was a joke but now its not funny because the letter didnt explain why but the point is i recieved such a letter and now my parents ssn is being used i have made several attempts to freeze my credit its still beimg used to apply for things this is idenity theft why do people do these wrongful things i need a new ssn number please

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 2022-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted Equifax to ask that some soft inquiries be removed that were not authorized by me. I tried to explain to XXXX employee number XXXX that there are 16 soft inquiries on my credit report and most of them are not mine. XXXX XXXX informed me there are 0 inquiries on my report. Again and again I informed XXXX XXXX that I see 16 inquiries on my computer. Finally I told XXXX XXXX XXXX I want to speak to a supervisor. After some time XXXX Employee number XXXX got on the line. I explained to XXXX XXXX what was going on. XXXX XXXX was able to locate the 16 soft inquiries. XXXX XXXX informed me that the inquiries are promotional inquiries. I tried to explain to XXXX XXXX as I tried to Explain to XXXX XXXX that most of the inquiries are not my inquiries and I want them ( meaning the ones that are not my inquiries ) removed. XXXX XXXX informed me that there is no way to remove the inquiries. I asked to speak to some one who could. XXXX XXXX informed me that there is no one who can remove the inquiries. I asked XXXX XXXX if I go to apply for credit to an auto dealer or bank or get a mortgage if the soft inquires will have any effect. XXXX informed me no. I informed XXXX XXXX that when companies see the inquiries even soft inquiries the creditor will say ; " I see you have alot of inquiries. ( I know through experience this on many occasions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
EASTERN ACCOUNT SYSTEM has been sending me collection notices in the amount of {$240.00} XX/XX/2021 The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This Company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/XXXX I applied Old Navy Visa and was approved. However I never received the card and when I call them they said they sent the card to my I address. Asked them to verify the address but told me it was priveledged information. They also told me the card was cancelled. I went back to the store and paid the amount due through a debit card but they refused to give a receipt or even email it! This was XX/XX/XXXX and the person who processed this payment was XXXX and her id was XXXX. Up to now I never received a card in the mail or the orignal bill. Instead I receved a bill for late payment of {$26.00}. I call the number on the bill but they said there is nothing they could do and it would take a very long time to speak to supervisor or manager. They hang up and the person I talked was XXXX id 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 2022-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
CAVALRY PORTFOLIO SE has been sending me collection notices in the amount of {$6200.00} XXXX XXXX. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This Company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland Credit Management XXXX XXXX XXXX XXXX MI XXXX Midland Credit Management bought XXXX credit card accounts of mine. I contacted them in XX/XX/XXXX and even though my only income was unemployment I agreed to pay {$50.00} per month and they told me they wouldn't continue with a lawsuit. At this time I had a small claims against me from them for one account and they said to forget about it. I continued to pay until XX/XX/XXXX when I received a summons for the other XXXX accounts. I called Midland and they said they never stated that & refused to look up or send me the call recordings. They were very rude and wouldn't help me at all. At this time my unemployment ended, I had no income and inquired about their hardship program. I submitted all the documentation that was required in XX/XX/XXXX. Never had a response even though I called numerous times. I then contacted the attorney general 's office who emailed them for me. They responded that I didn't send anything and I had to have an approved social security claim for them to grant the hardship ( I have an application in review ). There was a court date of XX/XX/XXXX and I honestly forgot the date, called the court and they told me to call Midland 's lawyers to ask for continuance of agreement. I tried, you can call their internal legal department but not their lawyers. I was given an email and every time you send an email to them it comes back that I am not authorized to contact them. I had no way to speak to their lawyers. I was found in default. On XX/XX/XXXX I was sent a letter that via attorney general that I was approved for a 90 day hardship. But I needed to send complete documentation ( a list they sent ) have it notarized and send 4 copies of the exact same thing and also this is the same documentation I previously sent in XXXX. I called internal legal who couldn't help me and again gave me their lawyers email ( which came back not authorized ). I have spent hours, months, calling, writing to them and to the attorney general ( who now I am waiting for a response back ). I have no income, severe back problems and trying to do the right thing but Midland is so deceiving, rude and makes promises and then lies about it. They are horrible to deal with and every call they still ask you for money even when you tell them you have none. 
The attorney general has relayed information to their contact but hasn't been able to help me. I have documentation for everything if you need me to send it. Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22 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 received a copy of my credit report and saw several accounts were reporting that I didn't give consent to be reporting. I have some inquiries and a collection account that reporting that's inaccurate so I wrote to Equifax, XXXX, and XXXX on XX/XX/XXXX to investigate the accounts. Its been over 30 days and I haven't got a response from either bureau with any updates about the investigation results so I mailed out another letter XX/XX/XXXX that demanded a comply because at this point my consumer rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Today, I opened a Master Credit Card with Synchrony Bank via TJMAXX, the advertisement informed me that if approved, I'm eligible to receive 10 % off my purchase and I can use the card TODAY ; however, when I attempted to use the card to complete me transaction, I was denied. I contacted the bank 's customer service ; however, I was informed that the temp generated number, expiration date, and security code are fake. I was also informed that I would lose my 10 % off. I applied and got my credit score lowered for months or year, only to find out that the bank scammed/tricked me into opening a credit card only to meet their quota. 

Congratulations, XXXX XXXX! 
Your application has been approved for the TJX Rewards Platinum Mastercard! 

TJX Rewards & reg ; Platinum XXXX & reg ; Temporary Account Number XXXX Valid Thru XX/XX/22 Security Code XXXX Temporary Credit Limit $ Use your new TJX Rewards credit card in-store or online today! 

See below for instructions and how to use your 10 % coupon either in-store or online. Both coupons void after either one is used. 
Shop Online Now! 

Use the account information above to make a purchase on tjmaxx.com.

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 2022-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Chrysalis Holdings LLC
State: TX

Complaint narrative:
I Applied with New Day USA home loan after they have been soliciting me for over a year with invites to apply for a VA Home Loan through their company. After Speaking with the representative of New Day USA home loans, I was told that the company have all types of programs that help XXXX veterans like myself get into a home any way that they can. As we were going through the questioning process, He asked about my spouse Social Security number and He assumed it was female. When I corrected him that my spouse was indeed a XXXX he let out a Loud Laugh while on the phone with me. He did not apologize and proceeded to ask me questions about my race, ethnicity and religion. After the questions he hung up and called me less than five minutes later Denying my application without an explanation. I feel as if he jumped to personal judgment based on me Being a XXXX XXXX XXXX and none of my accomplishments in my military career and within my life even mattered. He was Very enthusiastic at the beginning of the call until He learned I was a XXXX XXXX male.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX my in-law sent money to me via PayPal from XXXX in the amount of $ XXXX. I received an email from PayPal notifying me of the transaction and the amount that was sent. I went to the PayPal website and my account to accept the payment and noticed that the amount stated by PayPal to deposit into my bank account was {$480.00}. I automatically assumed the reason for the deduction was because the money was sent from another country and international transfer fees were taken out. But on XX/XX/XXXX, my in-law sent me $ XXXX and when I was about to Accept the payment, the amount to deposit into my account was $ XXXX. This time, I contacted PayPal to ask why I was being charged the fees as opposed to the Sender and that is when I learned that the fees being charged to me was for goods and services. I then explained to the Rep from PayPal that I was not selling anything and that the money that was sent to me was owed to me by my sister-in-law. The Rep explained to me that an option had been given to my in-law to select whether the payment was for a Friend/Family or Goods/Services. I then reached out to my in-law to inquire, and she stated that this option was not given to her. I then explained to the PayPal Rep that the money was sent from XXXX and in response I was told that PayPal in XXXX is on a different server which could not be accessed in the US. I then requested to speak to a supervisor. The supervisor basically explained to me about the same options that should have been given to my in-law and when I told her that it was sent from another country, she in return lied to me by stating that she was on the XXXX PayPal site and the option was available. I then contacted my in-law again. This time, she shared a screenshot of the PayPal transaction which gives no options but only shows a Goods/Services message which is pre-selected, and no other option was shown to be given. I explained this to the supervisor and requested to speak with upper management or to have my complaint escalated and she told me that there is no one higher than her and there is nothing that could be done about the situation. I then thanked the supervisor and requested her name and any other information that I could include in my formal complaint which I would proceed to file. So basically, I have been robbed by PayPal for the total amount of $ XXXX. I was being charged a fee for goods and services in which I was not selling either of the two and the money that was sent to me was owed to me by a family member. It is unfair that not only was I robbed by PayPal but also lied to and misinformed by a PayPal supervisor. I would like for PayPal to refund the amount which was taken from me and I will make sure that PayPal will NOT be the payment method used for any similar transactions such as this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am no longer a customer of Ally Financial where I had a new car lease until XX/XX/XXXX. 

I received a letter today from Ally Financial dated XX/XX/XXXX stating that I have a summons for an unpaid toll ( date of issue XX/XX/XXXX ). This is the first time I have ever heard of this, and Ally has misquoted the date if this ever happened. It probably happened XX/XX/XXXX, but I never had any information on this. I DID NOT PHYSICALLY LEAVE THE STATE OF TEXAS IN ALL OF XXXX DUE TO THE PANDEMIC, SO THIS IS THE WRONG YEAR. 

Ally is threatening me that I must pay the toll now and notify them in 15 days about my intent to pay. That is fine, but I can not locate the toll. I went on the XXXX Maryland site where the toll needs to be paid, and inputted the data provided for the summons, and nothing comes up. Nothing comes up with my license plate or my current zip code, or a previous zip code. There is nothing I can do. 

I called Ally on XX/XX/XXXX as instructed in the letter and the first person said that she couldn't find anything on the account around this toll. I told her look again, and she found it. She then said she'd hand me over to the leasing department and that person was not helpful and I told them I was trying to give them notice as per the letter, and she didn't understand. 

I've had a lot of problems with Ally Financial ( have already submitted other CFPB complaints ), and this is just another hassle I never anticipated. It's exhausting and I just want some peace and be done with this horrendous and sloppy 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