vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I noticed a new credit card appear on my credit report in XXXX with the title SYNC/PPC - after some research I found out it was Synchrony PayPal Credit Card that had been opened in XXXX. I did not open this card and so I called Synchrony to work with them as to a fraud claim. The information that was given was in my maiden name and at an address that I have not lived at in at least 15 years. I had no idea of the balance of the card or what it has been used for. The three credit bureaus removed it from my account and closed my dispute. On XX/XX/XXXX I received a letter from Synchrony Bank stating that they were unable to approve my fraud claim because : " You authorized, participated in, or benefited from the purchase. '' and " Payments have been made by you on this account. '' Neither of these statements from Synchrony are true. I have never authorized the use of a card that was fraudulently opened and I have never made any payments to an account I didn't know existed. I called Synchrony and they told me to get a Police Report and maybe they would re-open my claim.

I am extremely angry that Synchrony is holding me liable for {$3300.00} for an obvious case of identity theft and fraud. I have contacted the XXXX XXXX XXXX and will be filing a report but I also want Synchrony sanctioned as its obvious that they did not investigate the dispute properly and are now using my inquiry as to what this account was as an attempt to collect a debt not owed by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
My name is Mr XXXX I am contacting you regarding ALLY AUTO FINANCIAL regarding my account, i have tried and tried to contact Ally regarding my account and all i have been getting is the run around with no answers, i speak with one person and that person would transfer me to a different department and so on so on, they have been and gotten to be Unprofessional, a month ago my car was up for repo, i gave them the location to where the car is, it is in a mechanic shop, its been there several months, i told them there is money owed for repairs, and they then hired a recovery company to go repo the car, when the recovery company gets there instead of paying the cost to get the car out of their, they was trying to negociate a lesser amount that was owed so that they can pocket the rest, so instead of telling Ally what happened, they tells them the car wasnt there, for 4 yrs i have complained about this car and said it was a lemon, had too many problems, there were things about the car that was not disclosed when purchasing it, i explained that for years to Ally, and told them the car not worth anything, but they wouldnt listen, Covid19 has arrived my wife and I lose our jobs we no longer can pay for the car, at this point my wife and I was stuck wit it, then the Pandemic the car is up for repo, we agreed to have the car repo i gave them the location to where the car is located, 4 weeks ago, it was in the system to repo the car weeks ago, the car was never picked up which was strange to me, because for weeks i been harassed bout the car, and when i cooperate they dont pick up the car and now i get a letter saying the account will be charged off today, they cant charge the account off if i agreed to have it repo and was in the system to go repo it when i told them to go repo it, you cant charge off an account when i'm giving you back the asset, this is wrong under the circumstances with Covid 19 happening, Covid 19 has changed my wife and I lively hood in a major way, we both lost our jobs and they wan na continue to hurt people during a pandemic, which is flat out wrong, this account cant and should not be charged off by any means, they have the location of the car, and it needs to be repo as originally planned and discussed,, they want to abandon the car because its not worth anything, the reason its not worth anything, because of all the recalls and issues the car had now throughout the years, what they are trying to do is unacceptable I want this matter resolved XXXX XXXX XXXX ) XXXX - XXXX XXXX ) XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Finance Company, Inc.
State: AZ

Complaint narrative:
I had emergency XXXX in XXXX is 2020. After my XXXX I began to receive the bills as I was not covered at the time. I applied for and received state insurance and contacted all of the hospital billing departments to provide the insurance information. Most was resolved but there were a couple who continued to call and harass me. Professional finance co. being the main and last one I am writing you about today. I jumped through hoops for them and the hospital to get all of the correct information needed but this company will not comply. I have called and verified with XXXX XXXX XXXX hospital that they in fact were paid by insurance for this on two separate occasions. The last lady I spoke with said she had no idea why this company was coming after me, they had notified all applicable parties that this account is paid in full. Yet instead of doing their due diligence of calling the hospital to verify, they continue to harass me and destroy my credit instead of doing their job. They would rather waste everyones time and ruin people 's lives than actually do what they are there for.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
On Monday XX/XX/2020, I checked the exchange rate of US dollar to XXXX dollar as I wanted to send money for XXXX to my family. 

The exchange rate for the day was XXXX When I went to Western Union to initiate the transfer to XXXX, their rate was only XXXX, far below the daily rate. Plus I was charged {$37.00} for the transfer itself. 

I find this to be deceptive. I was only aware of this after I made the transfer when I was given the receipt. 

Why would they not give us a fair exchange rate? This is hurting many people financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi refuses to issue a chargeback to a merchant that didn't delivery the service that I paid for. I purchased tickets on XXXX XXXX and they cancelled the flights. United States Federal Aviation Administration regulations require that airlines issue a refund when a flight is cancelled and the customer doesn't travel, which is the case here. 

XXXX is being unresponsive, so I have turned to Citi to issues a chargeback because I charged the tickets on their credit card. They refuse to issued the chargeback and also refuse to show where I agreed to terms and conditions that say the flight is non-refundable even if the flight is cancelled. 

My most recent contact with Citi was XX/XX/2020 and they said they considered the matter closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is my second complaint against Chase. My original has been closed, the case # for reference is XXXX. In their response which I have attached below, they claimed again that we have not been in communication with them. Which as we proved in that case as untrue. Prior to filing the first complaint, we emailed, mailed and faxed ( from a Chase bank service location ) all of the documentation that said we never provided. That documentation was also in the original complaint which they clearly did not read. Since that original case was closed on XXXX we have called the phone number they provided in the letter twice a week, every week. No one has ever picked up, and no one has ever returned our call. These are DECEPTIVE practices and we want to speak to someone immediately and acknowledge the receipt of the documentation we submitted SIX times ( three times by email, twice by fax, and once by mail )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
Congress Collection placed a {$3700.00} collection on my credit file from XXXX XXXX after a yr of requesting they verify the debt, They are also reporting the incorrect amount I owe which is substantially different than the amount they were awarded by the court. I have asked that they remove the inaccuracies from my report but the manager at this collection has refused to update information with an accurate amount. She has treated me very unkindly and been extremely rude hanging up the phone in my face. She told me to stop calling their offices about this debt because she wasn't removing anything. I offered to provide proof that the amount is inaccurate but she refuses to accept any documentation regarding this matter. I sent this lady proof over 4 years ago which she completely disregarded. She has not even verified this debt as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
I have an inquiry on my Chexsystems report that I did not authorize. I am a victim of identity theft. The following inquiry was made without my knowledge or approval. 

XXXX XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: RENASANT CORPORATION
State: TX

Complaint narrative:
I have an inquiry on my XXXX report that I did not authorize. I am a victim of identity theft. The following inquiry was made without my knowledge or approval. 

Renasant Bank XX/XX/2020

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 2020-12-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've called TransUnion a hundred times and tried to get it to fix its system which did not allow me to make any disputes to anything on my credit report. TransUnion just gives the run around saying that I called the wrong department and that I need to call the " online department. '' But the representatives never give a number to that department, and the automated machine at the general numbers don't offer that option and hangs up on callers. I have had inaccuracies on my TransUnion credit report ( and only my TransUnion credit report ) for many months. I have spent hours, days, weeks, and months trying to get TransUnion to fix its system. I filed a complaint with CFPB several months ago about how TransUnion would not allow me to dispute anything. TransUnion said it was looking into the dispute which was an absolute lie. Even if it had actually been looking into resolving the dispute that I filed before it locked me out, it had been well over 60 days, and now, it has been hundreds of days. TransUnion has actively blocked me from making corrections to false claims on my credit report that have had real and serious impacts on my life even beyond all the time of mine it has wasted. XXXX fixed the inaccuracy in less than a day. It has taken over six frustrating months just to get the ability to file a dispute again after TransUnion messed up my credit report and locked my account. 

I only just today, after many months and countless hours, have had TransUnion remove the error code and allow me to dispute things on my credit report. Now, I will have to wait to see if my credit report issues will also be resolved with TransUnion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: IN

Complaint narrative:
Today XX/XX/14 I applied online for a refinance and received this response : LET 'S GET YOU APPROVED Congratulations! 
You're Approved Eligible* Powered by XXXX XXXX, it was that easy. 
Property : Your property has been approved. No appraisal needed. 

Now, Let 's get you fully approved! 
We'll call you shortly to review the loan and get you fully approved. 
We will be calling you from XXXX *Based on the information we have obtained so far and subject to verification of information as required by underwriting guidelines. 

footer logo AmeriSave Mortgage Corporation, XXXX ID # XXXX, ( www.nmlsconsumeraccess.org ) ; Corporate Office : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX, GA XXXX. Additional disclosures and licensing information may be found by clicking here on this " Disclosures & Licensing '' link. For questions regarding state licensing, please contact ( XXXX XXXX XXXX. Not all products and options are available in all states. Terms are subject to change without notice. Some people portrayed are professional models. 

However, when I talked on the phone with an agent at XXXX the woman said there would be an appraisal fee and she hung up.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I have an inquiry on my Chexsystems report that I did not authorize. I am a victim of identity theft. The following inquiry was made without my knowledge or approval. 

XXXX XXXX XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND CAME ACROSS SOME ACCOUNTS ON MY CREDIT FILE THAT DO NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND NONE OF THEM ARE RELATED TO ANY TRANSACTIONS THE I HAVE MADE. THIS HAS CAUSED A HUGE CHALLENGE ON MY CREDIT FILE. IT IS VERY STRESSFUL BECAUSE I HAVE NO IDEA HOW THE ACCOUNTS GOT ON MY CREDIT. I AM ASKING THAT SOMETHING BE DONE TO RESOLVE THIS ISSUE. PLEASE LOOK INTO THIS MATTER AS SOON AS POSSIBLE SO THAT MY CREDIT FILE CAN GO BACK TO ITS NORMAL STATE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
XXXX XXXX alerted me to a negative remark on my credit. I called the Doctors office. I was told they sent for statements. The office confirmed my mailing address and the address was wrong. They employed XXXX XXXX XXXX in XXXX Ohio to collect. I never got an invoice or a phone call. My XXXXredit score has been harmed 73Points, not I am unable to finance a new car. My credit score was XXXX. My credit was destroyed with no written notice, no phone call. When I spoke with the office at the doctor they said they were submitting the bill to my insurance again yet my credit was ruined by the Dr office and XXXX XXXX XXXX of XXXX Ohio. Had it not been for a notice from XXXX XXXX I would not have known about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: FL

Complaint narrative:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize this account and have never incurred debt with this creditor. I do not know where they came from. Thus, I am requesting that you please verify the validity of this account, and remove it once its confirmed that it is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
In XXXX of this year I was contacted by New Rez Mortgage Company. The Loan Officer named XXXX XXXX was offering us a lower mortgage rate, and told us that we were considered as premium customers, because of our good standing with New Rez. We agreed, and started the process. It was going to be a streamline refinance. Since then, and still to this date, we have not closed. We have spoke with Management, and was told to be patient, and don't be late on any payments, which we have never been 1 day late. We have also been given the excuse of Covid 19, and that things are taking longer than normal.Well, 9 months later, and still waiting. We have reported this to the XXXX XXXX XXXX, but nothing was still done. A Manager called, and said that they received the complaint, and they were working on it, please be patient. 
We were scheduled to close today XXXX with a Notary and Title, and was told by our processor that it was canceled for unknown reasons. This was the last straw as a customer, and now I am seeking help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I have an inquiry on my Chexsystems report that I did not authorize. I am a victim of identity theft. The following inquiry was made without my knowledge or approval. 

XXXX XXXX XXXX XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
I have an inquiry on my Chexsystems report that I did not authorize. I am a victim of identity theft. The following inquiry was made without my knowledge or approval. 

XXXX XXXX XXXX XXXX XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: FL

Complaint narrative:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize this account and have never incurred debt with this creditor. I do not know where they came from. Thus, I am requesting that you please verify the validity of this account, and remove it once its confirmed that it is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: FL

Complaint narrative:
Hello, I kindly ask you to help me to remove the account that I do not recognize. I am requesting that you delete information off from my credit report because I am not connected to this account. Its an Identity theft. I do not know how this item ended upon my credit report, but I never signed for or agreed to this charge. Please remove it from my account.

Company response to consumer: Closed with explanation