vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-26 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: NV

Complaint narrative:
On XX/XX/2019 I was charged XXXX on my Sams club card with Synchrony Bank. I proceeded to call and find out what the charges were for. I let them know it was not my purchase. I have filed fraud charges with the cc company and every time I receive a letter saying I benefited from the purchase when I did not. The purchase was for 2 XXXX XXXX XXXX XXXX ( whatever that is ) I've been writing and calling now for almost 2 years to no avail. Now the charges are a grand total of XXXX and climbing. I have filed a police report and sent a copy to them. Have had no response. Please help. This has affected my credit and my piece of mind.

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 2021-07-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am requesting again that these items be deleted from my credit report. I have called and spoke with a rude representative that would not let me explain the situation and kept cutting me off. Please remove the information attached to this identity theft report.

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 2021-07-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: 2288984 Ontario Inc.
State: AR

Complaint narrative:
I am requesting your help in this matter, due to COVID and losing hours and no stimulus and not qualifying for unemployment we were desperate and sought financial line of credit through money key however we now have realized there is no way we can afford to continue this payment at {$180.00} dollars every two weeks and this not getting paid off for years and the loan bal starting at XXXX and will end up paying three times that, in recent news we have become aware of President XXXX overturning the rent a bank true lender rule and the bank connected with this company was also mentioned in the Congress letter as one of the rent a banks that has went around states laws and using outrageous fee and taking advantage of people during this financial and health crisis, we live in the state of Arkansas which is cap at 17 percent, I am asking for your help in this matter and to have resolutions of voiding their contract and Harassing phone calls due to signed law by XXXX to protect Americans from such illegal money scams

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have sent all three bureaus a certified letter asking them for verification for the items placed on my report. To this date I have not received verification of debt. Here are the items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I received an email advising that I was preapproved for a Land 's End credit card. On XX/XX/2021, I reviewed the email and saw there was a promotion for 50 % off your entire first purchase using the card. Seeing as I was purchasing school uniforms I thought this would be a nice cost savings. After submitting the application and receiving the approval, I clicked the link to make my purchase using the temporary card number and 50 % off promotion. There was an error on the page and I was no longer able to get back to the link. I contacted customer service via chat and was advised that I could use any of my credit cards and they would honor the 50 % off promotion on anything except school uniforms. I double checked before agreeing to the terms of the credit card that the 50 % promotion could be used on any item. The following is the verbiage used to describe the promotion on their website " Receive 50 % off your first Lands End credit card purchase at landsend.com at time of account opening ( even sale priced and clearance items ). Offer can not be combined with other promotions. '' When I advised the associate of this in the chat she sent me the following " Subject to credit approval. Valid one time only. Can not be combined with other offers. Excludes monogramming, gift boxing, gift cards, shipping, taxes, duties, Lands End Business Outfitters purchases, international shipments, and excluded items as marked. Discount will be applied at checkout. This offer has no cash value. Promotional savings may be deducted from returns. Not valid on previous purchases. Must make a purchase in the previous 12 months to receive the offer. Must have valid email address and U.S. mailing address. Accounts that opened during your birthday month will receive the offer the following calendar year. Account must not be in default. ". I responded by advising what she sent me does not reference the school uniforms and she told me " that it is listed on the webpage where uniforms can be purchased next to the 'color ' option. '' Seeing as this was going nowhere I thanked her for time and advised I would be sending a consumer complaint. A consumer should not have to hunt around exclusions, I feel that this promotion is deceptive and misleading to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: EQUIFAX, INC.
State: DE

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : EQUIFAX MORTGAGE SER-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
I found out about a judgment filed against me on this old credit card debt from XXXX that was purchased by Cavalry SPV LLC. I called Cavalry and they told me to call XXXX XXXX XXXXXXXX, debt collection lawfirm that has case. I called there - he told me my debt was increasing at a 9 % rate - I don't know if it is daily, or what. A {$10000.00}. debt I couldn't pay is now {$16000.00}. I told them I could not pay. How much to settle? He said Cavalry authorized {$12000.00}. Still insane. I called Cavalry and she kept saying they could not help me. I said the lawfirm said Cavalry set the settlement amount. When I said it was up to Cavalry she finally agreed to give me to Legal at Cavalry. There was no answer from either Legal number. I called another day and still no answer. 
On XX/XX/XXXX I sent a letter to Cavalry SPV and a copy of that to XXXXXXXX XXXX XXXXXXXX. I want the judgment released and the item cleared on my credit report. 
I assume Cavalry bought the bad debt from XXXX for about {$.00} on the dollar, equaling {$1000.00}. I also received many harassing phone calls over the last few months, needing to block a number - 6-8 calls per day, sometimes within the same hour. I am waiting for a partial record of those calls from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

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 3 Bureaus 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 Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. 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 non-monetary relief
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: DE

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 3 Credit Bureaus 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 Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. 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
Consumer complaint received 2021-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I moved to my current address. Cap One notified me that they had received my change of address from the Post office. My sister called in to verify that ( they requested further verification ) and they stated that they needed a photocopy of my drivers license, front and back emailed to them. I called and asked why they needed that information as I had had an account with them for years, never missed a payment, could answer any number of questions, my mother 's maiden name, my favorite singer, etc. I had moved several times while I had had their car and this info had never been requested before. I was told it was to insure the security of my acct., but the rep could not explain how. So, we got a copy front and back and sent it in, email. They emailed back that the back of the license was not clear enough. I called again and told them the many problems my sister and I were having and still I did not see why they needed this info. Bottom line, they will not mail their bills to my current address unless they get a clear photo of the back of my license. I neglected to mention that we did send another photo of the back and that was not acceptable either. I think this is some odd effort to get rid of people who have their credit card but pay off their charges in full every month. Only thing I can think of -- but would like to know if this is legal? Can they demand any odd or unusual information and try to coerce you into responding. I plan to close this acct., but if I am going to run into this again I would at least like to know if it is legal. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have a fraudulent inquiry on my Equifax report from XXXX XXXX on XX/XX/2021. This was not authorized by me and must be removed. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: VA

Complaint narrative:
XX/XX/2021 I was notified an escrow analysis was done on my property and due to an increase in taxes/insurance my monthly premium would increase even if I paid the additional funds. I am accustomed to the foregoing so fine. 

XX/XX/2021 I received yet another notice from Amerihome that another analysis was done and my monthly mortgage payment would increase AGAIN. 

i have lived at the same property address for 15 years and have NEVER had two escrow analysis in one year much less within 6 months of each other. When i called Amerihome they attempted to advise me it was an increase in my real estate taxes which were paid XX/XX/2021 through the mortgage servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: GreenSky, LLC
State: SC

Complaint narrative:
In XXXX of 2020 I called XXXX XXXX XXXX because I have a critter in my attic. They came and tried to get rid of it. They were here a few times. Still critter is up there. They said that they can XXXX all the insulation out and I could get new rodent deterent insulation to go in. So I signed the paper work and they financed it through Green sky. On the fourth visit they said that the truck was on its way but it broke down on the road. I told them that they are not going to put in any insulation till they do what they were hired to do and that was get rid of the critter. The manager came over and went up in the attic and said he didn't see anything, but yet it is still up there. I asked him to refund Greensky since they already got the {$5000.00}, because I was not letting the insulate anything since they did not do the job they were hired to do. He said he was not going to refund their money and I needed to let them come put the insulation in. I told him they did not do what they were supposed to do. I went up in the attic and all I saw was them getting ready for the insulation and a smashed A/C duct that went to my A/C. I had that repaired at {$600.00} but they never refunded Greensky and my credit keeps going down and down. 

Mind you this was in XXXX and since then I have sent back all bills to Greensky. On my credit report it says I made a few payments, which I did not, and I had a few disputes started with them to no avail. Then I get a letter from Greensky stating that my account is paid in full and thanks for using them bla bla bla, and they are sending me bills and calling my home every week. Services were not rendered and they are killing my and my husbands credit. I also lodged a complaint with the XXXX and Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have sent all three bureaus a certified letter asking them for verification for the items placed on my report. To this date I have not received verification of debt. Here are the items : XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have sent all three bureaus a certified letter asking them for verification for the items placed on my report. To this date I have not received verification of debt. Here are the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Alum Financial, LLC
State: NJ

Complaint narrative:
Victim Location XXXX Type of a scam Government Agency Imposter FRAUD NEVERRRR do business they will convince you in all these good long term benefits that arent true.. I received emails and phone calls from multiple people in this office stating that they are company through the Department of education and I may qualify for a Loan forgiveness program well long story short I received multiple emails from fed loan servicing stating that I have suspicious activity on my account that It looks like you are going through a 3rd party company that will over charge you fees when you can go on our website and do it free. I called XXXX XXXX XXXX where my student loans were through at the time i told them exactly what happened they told me that this company is not affiliated with the US department of Education the rep i spoke to told me to dispute all charges with this company that my bill with them is not due until XX/XX/2022 and that i should not be paying a 3rd party company I disputed all charges with my bank.. So when i called called Alum XXXX told me that fed loan is lying!! XXXX is trying to convince me that is I pay them {$150.00} a month for 5 months my interest rate with my student loan I wouldn't have to pay back at the end that i only have to pay the actual loan. I asked rep where is my money going are they going towards my shes states the money goes to the services what were rendered to you that it does not go towards my student loans. I told them I want to cancel my policy because the information your telling isn not making any sense to me after our phone call I received several emails stating if I cancel that i would have to pay {$1200.00} upfront and if I dont pay that they will damage my credit and garnish my wages. SO I called XXXX XXXX XXXX  back telling this information they are investigating this i have case numbers and people who I spoke to. My concern is that these people have my personal information which I did not get any of that over the phone they had all my information before they emailed me. I have all proof also when you look up this company on XXXX it states that this site may be HACKED!! Everything about them is MISLEADING and trying to steal your money.. I dont want nothing to with them and I dont want them ruining my credit..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I found out about a judgment filed against me on this old credit card debt from 2011 that was purchased by XXXX XXXX XXXX. I called XXXX and they told me to call XXXX and XXXX, debt collection lawfirm that has case. I called there - he told me my debt was increasing at a 9 % rate - I don't know if it is daily, or what. A {$10000.00}. debt I couldn't pay is now {$16000.00}. I told them I could not pay. How much to settle? He said XXXX authorized {$12000.00}. Still insane. I called XXXX and she kept saying they could not help me. I said the lawfirm said XXXX set the settlement amount. When I said it was up to XXXX she finally agreed to give me to Legal at XXXX. There was no answer from either XXXX number. I called another day and still no answer. 
On XX/XX/XXXX I sent a letter to XXXX XXXX and a copy of that to XXXX and XXXX. I want the judgment released and the item cleared on my credit report. 
I assume XXXX bought the bad debt from Citibank for about {$.00} on the dollar, equaling {$1000.00}. I also received many harassing phone calls over the last few months, needing to block a number - 6-8 calls per day, sometimes within the same hour. I am waiting for a partial record of those calls from 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 2021-07-26 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: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation