vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/XXXX, I received a notification/alert from XXXX credit monitoring service that a new line of credit was placed on my XXXX, XXXX and XXXX credit reports. 

The line of credit was reported by Synchrony Bank PayPal, who apparently purchase credit account back XX/XX/XXXX, and decided to report an account and claim the account was opened back in XXXX, and tried to claim Synchrony Bank had reported the account as far back as XXXX. 

I immediately disputed this account with all three credit bureaus as fraudulent and not belong to me and asked for investigation and immediately removal. To date all three credit bureaus had refused to dispute or investigate the fraudulent account. 

I reached out directly to Synchrony Bank and explained I did not open a line of credit with PayPal and requested to dispute this account as fraudulent and explained this purchased account was inaccurately listed as a line of credit. 

Synchrony Bank is refusing to allow the dispute told the consumer due to the fact the account was opened in XXXX, and payment were made the consumer could not dispute the account which is direct violation of the FCRA. 

PayPal fraudulent opened out a line of credit then years later sold the accounts to Synchrony Bank who is now holding the consumer responsible for their bad investments and denying the consumer the right to dispute fraudulent inaccurate information/account activity. 

Synchrony Bank has quietly obtained several credit card accounts and now is the card holder for at least ( 4 ) credit card accounts where the consumer did not apply or consent to Synchrony Bank acquiring account which should be illegal. 

Therefore, I am requesting an investigation into this practice of one bank assuming total control over consumer lines of credit without their consent and requesting the CFBP enact or enforce laws and provide consumer protection from this abusive practice. 

In addition, I am requesting an investigation into Synchrony Bank dispute practices which placed roadblock resolving disputes in a timely manner effectively tying up the consumer line of credit and making the consumers to wait ( 60 ) sixty to ( 90 ) days before resolution. 

I want this line of credit immediately removed from all three credit reports and want the CFBP to hold all three credit bureaus accountable for refusing to allow the consumer to dispute fraudulent accounts, investigate disputed accounts and facilitating this abusive practice of bank buying fraudulent accounts.

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 2020-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems, INC-Debt Collection Agency Current Creditor ; XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} I read a letter that was dated XX/XX/2020 from National Credit Systems , Inc stating that I owed the Current Creditor the balance above, the letter was an attempt to collect a debt. The letter stated in bold letters of my rights to notify National Credit Systems in writing within 30 days of receiving the notice my dispute of the validity of the above debt and that National Credit Systems , Inc would obtain verification of the debt or obtain a copy of a judgement and mail a copy of such judgement or verification ... .. and that the office would provide the name and address of the original creditor. 

On XX/XX/2020 the day I received the letter, I wrote and mailed first class a letter to National Credit Systems , Inc. disputing the validity of the debt, I stated that I do not owe for a carpet replacement in the amount of {$1400.00} and that all that I believe I owe the apartments was around {$55.00} dollars for a light bill. I stated that I have a video of the apartment when I moved out that shows that the carpet and apartment was left clean and in good condition. On XXXX XXXX I read another letter from XXXX XXXX XXXX XXXX XXXX stating that I did not make suitable arrangements to resolve the above-referenced debt and that they would soon report the account to one or more of the consumer reporting agencies and still requested a payment from me. On XX/XX/2020 the day I received another letter from National Credit Systems , INC, I immediately called and spoke with the Collection Representative named XXXX XXXX @ XXXX @ XXXX, I told her that the apartments and charges are in dispute, I told her that I have video proof that I do not owe to replace the whole carpet and that all I owe is a water bill that's around {$55.00}, she said ok and she would note the account. Today. XX/XX/2020 I received an alert from XXXX stating that I have a MAJOR DEROGATORY DEBT FROM National Credit Systems that was reported on XX/XX/2020 and opened for 3-months..XX/XX/XXXX.which instantly dropped my credit. So, I called XXXX XXXX and spoke with her, I told her I never received any type of documentation from them regarding the validity of the charges or debt nor did I receive a copy of the judgement in which the letter stated I would in bold. XXXX XXXX was shocked and at a lost of words, she read her notes and saw my dispute letter, she also saw an email from XXXX XXXX on XXXX XXXX where all they provided was a copy of the lease and not walk-thru information or any validity of the debt according to XXXX XXXX. National Credit Systems violated my rights and never provided the proper documentation to prove the disputed debt, instead they looked over my dispute and added the debt to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I received an alert from the credit bureaus that this collection account was added to my credit report on XX/XX/XXXX. When I logged into my credit monitoring service the information listed reflects that the collection agency I C System, located at XXXX XXXX XXXX XXXX XXXX MN, XXXX. Phone XXXX states that the partial account number XXXX was opened with them on XX/XX/XXXX in the amount of {$530.00} and that the original debtor is XXXX XXXX. I have never heard of this debt collector prior today. I have not been contacted or notified of any debt that has been listed with this company. They sent me no correspondence advising that they own the debt, who the creditor was nor advised of my option to dispute the debt. I called the company 4 times today ... ( Calls were recorded )! To find out more information and to dispute the account. I was transferred amongst departments, no information was given. They attempted to fraudulently ask other questions not pertaining to the debt like if I'd moved in the last 12 months, what my previous phone numbers were, if I'd used any other name variations besides my actual name, if I've married or divorced any aliases I might have used and other unprofessional questions rather than just to advise me what the debt was for. I felt insulted and harassed. The Fair Debt Collection Practices Act states that a debt collector must send the consumer a written notice containing the amount of the debt, name of the creditor and a statement stating they have 30 days to dispute the validity of the debt or the debt will be considered valid by the debt collector. Failure by the consumer to dispute the debt within that 30-day time period is not considered an admission of liability. If the agency doesn't follow this process then they have no rights or grounds to collect or report the debt to any credit bureaus and must immediately remove the debt from the consumers credit report. The company didn't contact me within 30 days of assuming the debt and has therefore violated my rights so this needs to be removed from all 3 credit bureaus! I do NOT give the company permission to contact me via telephone, an employer, email or any other means except by US Mail.

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 2020-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
Prior to the pandemic my family and I were scheduled to set sail XX/XX/XXXX with XXXX. I made payments to the agent Via XXXX on XX/XX/XXXX & XX/XX/XXXX totaling {$550.00}. We had been dealing with a travel agent through XXXX by the name of XXXX XXXX and afternoon the pandemic hit XXXX  canceled travel and issued refunds back to the paid parties. I have not received this service or my refund after months of communication with the agent ( which Im sure is fraud ) and communication with XXXX and my bank. XXXX has no way of contacting them regarding this situation and I have tried to work things out with the agent but she has lied tome after time. Due to the pandemic I have not received my services and she has blocked me and refused to refund my money. I have been blocked by her business on XXXX and Ive had family reach out in my behave and she has responded with insults and no resolution. I am now out of a trio for my family and the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Deutsche Bank
State: CA

Complaint narrative:
1. On XX/XX/XXXX, we XXXX XXXX XXXX from XXXX invested in XXXX XXXX, XXXX in New Jersey, USA. 

2. In XX/XX/XXXX, XXXX XXXX XXXX XXXX was acquired. We XXXX XXXX  transferred shares to the new buyer. XXXX XXXX XXXX XXXX appointed XXXX XXXX XXXX XXXX XXXX to transact mergers and shares affairs. At that time, DB temporarily withheld an amount of money from all the investors for escrow use, and if there is any left, it will be refunded to the investor time by time. ( For example, to pay taxes ) 3. In XX/XX/XXXX, another XXXX shareholder of XXXX XXXX informed us that DB erroneously withheld 30 % of the tax for overseas shareholders. The nature of this amount is the capital principal and should not be withheld. We immediately asked DB about this. 

4. DB answered that because the W-8BEN form we gave before was expired, they withheld 30 % of the tax directly, but DBs statement has problems : a. The nature of the amount incorrectly withheld in XXXX XXXX is " Investment Principle '' and not capital gain, so it should not be withheld. This is not related to the W-8ben form. In fact, DB made a tax error to cause investors losses, but DB has been reluctant to actively fix this error. 

b. DB said that they had notified overseas shareholders to update the valid W-8BEN form, but we never receive the notice. Another oversea shareholder also told us that they never received the notification, and they also think that DB should be responsible for this. 

c. We asked DB to provide the notified records to us, such as e-mail, etc., but DB has never provided it. We began to question whether DB 's answer was true.

5. DB Services America , Inc. is still unwilling to take responsibility for these overseas investors, which has affected the willingness of overseas investors to invest in the United States in the future. 

6. The complainants this time are 4 XXXX XXXX companies, and the total amount of wrongful withholding tax is XXXX {$180000.00}. We believe that DB Services Americas, Inc. should be held responsible for their mistakes and compensate us for our losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX   Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Account Number : 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 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I have tried disputing this through XXXX but they won't correct it. US Bank has a delinquent account on my report that was closed XX/XX/XXXX. This item is supposed to be removed from my report on XX/XX/XXXX. But US Bank has changed the date to XXXX. It's supposed to drop off after 7 years. My XXXX report is correct and I'm waiting for my XXXX   report to be mailed because their website never works. US Bank calls me literally every day. I've had serious health issues for about 10 years and they know I'm unemployed. They are trying to add 2 years to this torment. I have included a screen shot of my XXXX report with the CORRECT information.

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 2020-08-26 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XXXX & XXXX I purchased XXXX concert tickets for my birthday that was to take place on XX/XX/XXXX. As of today we have not received a refund and they have scheduled concerts for days that dont correlate with my schedule. I reached out to Wells Fargo after receiving word that refunds wouldnt be issued and they declined my claim XX/XX/XXXX stating its past the 60 days of notice. I had been reaching out to them since XX/XX/XXXX to see what the resolution would be and I have not received my service or refund!

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 2020-08-26 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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX   Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Account Number : 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 2020-08-26 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:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX   Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a loan with JPMCB CARD, XXXX and XXXX ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, JPMCB CARD, XXXX and XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a loan with XXXX XXXX, BRNDSRC/CBNA and XXXX ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX XXXX, BRNDSRC/CBNA and XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

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 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have a loan with XXXX XXXX XXXX and JEFFCAPSYS ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX XXXX XXXX and JEFFCAPSYS ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have a loan with AMEX, XXXX, and XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, AMEX, XXXX, and XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I did not have access to my " online account '' for 3 months due to my family being severely affected financially and physically by COVID-19. 

When I was finally able to log in, I noticed I had a " delinquent account pending '' I immediately called and spoke to representative, explained to them the situation and paid the full balance. I also informed them that I had a financial hardship and that I was not aware that I was being charged a fee every month and that I never received a single phone call, or a letter in the mail stating that " my account was past due or I had " delinquent fees '' and how severely it was going to affect my credit line and score. 
They stated that because I had selected the " paperless '' option, they did not contact me directly. Therefor they marked my account as delinquent and affected my credit score tremendously. 

Citi/Best Buy credit line, did not care about the fact that I have been a loyal customer for over 5 years and that my family and I were affected severely by COVID-19. Never had I been late in any payments and even after I explained my situation, they showed no empathy and decreased my credit line from {$6000.00} to {$350.00} for " owing {$20.00}! '' If they would have called ONCE, I would have taken care of this payment immediately. 
Their team has poor communication skills and they do absolutely nothing to help resolve any credit issues. Their credit department advised me to go through the " Credit Bureau to see if they can further assist 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 2020-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation