vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/2021 I opened a synchrony bank account and deposited {$48000.00} dollars in a high yield savings. 
XX/XX/2021 Ive placed a transfer for {$10000.00} dollars to have it sent back to my bank account at chase because I needed to prepare and put a down payment for a new car XX/XX/2021 Synchrony bank decides to restrict my account due to unknown reasons. Ive called synchrony bank what was the reason for the restriction and they refused to give me a reason. I am the owner of chase checking and synchrony bank. They told me that I would have to wait 60 days for the account to be lifted and now my money is being held hostage and now feel unsafe thats the money can not be reached.

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 2021-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: AL

Complaint narrative:
There is a Acima collection reporting on my credit report that I do not know what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc.
State: TX

Complaint narrative:
Starting from XXXX XXXX 2021 and still ongoing most recently on XX/XX/XXXX, when i sent in a dispute through a credit agency, since then Conns has consistently called me during my work hours after asking them not to since I work on the phone from home, still, they call at least 7 times a day during the workweek, they have verbally degraded me about not paying bills after I explain to read the notes on the account, they get even more aggressive. yelling at me. I advise I can only what is past due when income taxes come around and they said i owe late fees and transactions fee and additional {$1200.00} but when i asked for the contract to verify i was told you don't need that, i am telling you what it say ''. There are causing me so much credit harm and stress. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: AZ

Complaint narrative:
I have 12 inq 's on my report with Transunion that I did not authorize or do on my own, I have ID theft and have sent them a notarized fraud affidavit and still they have refused to remove them when the other bureaus have removed them.

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 2021-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Bank entered deposited check incorrectly for more money than the actual check. I contacted the bank. They corrected the deposit but refuse to return the {$50.00} due the check writer This has been ongoing for XXXX months. The bank keeps sending me to different departments but refuses to send the {$50.00} to the check writer. They have his market account number and routing numbers This problem started on XXXX XXXX.My account was debited {$50.00} on XX/XX/XXXX. Claim number was XXXX. Wells Fargo needs to reimburse XXXX XXXX XXXX XXXX -S {$50.00}.

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 2021-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I've been dealing with PORTFOLIO RECOVERY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX for over a year now going back and forth without any resolution in sight. I've contacted them by letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and over this past 2 weeks by several emails. I've asked them to do their research in finding out who and where the past payments on this account came from and they just will not do their jobs. This account does not belong to me and never have. I have requested the following : 1. A copy of any agreement with XXXX XXXX thaXXXX bears MY signature 2.PROVE that any payments made on this account came from any banking account bearing my name and address associated with XXXX XXXX. Someone made payments on this account in the past, AND IT WASN'T ME, but PORTFOLIO RECOVERY XXXX, XXXX WILL NOT DO THEIR JOBS. The following amounts were paid on this account. WHERE AND WHO DID THEY COME FROM? That's all I want them to do, SIMPLE! Once they find out that I NEVER made a payment to this account and it doesn't belong to me, then they can remove from my Credit Report. 
XX/XX/XXXX in the amount of {$200.00} ; XX/XX/XXXX in the amount of {$160.00} XX/XX/XXXX in the amount of {$61.00} XX/XX/XXXX in the amount of {$100.00} XX/XX/XXXX in the amount of {$200.00} XX/XX/XXXX in the amount of {$150.00} XX/XX/XXXX in the amount of {$140.00} XX/XX/XXXX in the amount of {$130.00} XX/XX/XXXX in the amount of {$210.00} XX/XX/XXXX in the amount of {$200.00} XX/XX/XXXX in the amount of {$200.00} All they keep doing is generating the same letter 2 to 3 times a day and the letter reads : " We requested that you send our company additional information to the account referenced above so that the Dispute Department could complete the investigation of the alleged dispute. How can I send them any more information to something that I know absolutely nothing about?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and XXXX Bank XXXX XXXX to have the inquiry removed from my XXXX  account on. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2021-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-12-07 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: Westlake Services, LLC
State: CA

Complaint narrative:
I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and XXXX Westlake financial to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XXXX2021 and XXXX/XXXXXXXX2021

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 2021-12-07 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: U.S. BANCORP
State: TX

Complaint narrative:
Someone applied for a credit card at USBank in my name and was successful. This all started around the last week of XXXX. I received the credit card in the mail with a {$8500.00} limit. I called them immediately but they said that the acct had been closed and could not discuss any other details. I received a letter dated XX/XX/XXXX, they notified me of my credit score. Then I received a notification that my address had been updated. A letter dated XXXX was sent saying my account was closed due to either fraud, false statements, or I would not live up to obligations under the card member agreement. None of this was approved by me- all fraud. I have been unsuccessful in reaching someone to get further information or a letter stating that it was in fact a fraudulent application. I put a security freeze at all 3 credit burrows. When I pulled my credit, it looked like there was a {$25.00} charge to the USBank card.

Someone also tried to use my information for an account at XXXX who I already bank with. I have notified them but have to call again during business hours tomorrow. I keep getting correspondence saying that they received a duplicate application. I put additional security features on my acct and changed passwords.

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 2021-12-07 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: LA

Complaint narrative:
onXX/XX/21 I sent a dispute lettet in explaining the incorrect and in accurate information on my consumer report, as of today nothing has been done

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 2021-12-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing in regards to the accounts thats being disputed, these accounts were delete from my consumer report but were reinserted which is a violation of the fcra 15 usc 1681i ( 5 ) ( b ) REQUIREMENTS RELATING TO REINSERTION OF PREVIOUSLY DELETED MATERIAL.

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 2021-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc.
State: MD

Complaint narrative:
State Collection Service , Inc XXXX XXXX  XXXX XXXX, WI XXXX I discovered a debt belongs to my late wife in my credit report. 
This company was hired by XXXX XXXX XXXX in XXXX Maryland last XX/XX/XXXX. I paid the debt in full for the final bills they never sent to me after my medical insurance paid them {$17000.00}. 
I paid {$370.00} in postal money order and sent to XXXX XXXX XXXX on XX/XX/XXXX as agreed with a representative in their billing department. 
On XX/XX/XXXX this collection company updated the debt {$370.00} as current. This is Fraud and false information for the debt no longer exist. Today XX/XX/XXXX I contact and leave message and a written explanation to ask them to verify the debt and remove all negative remarks and not accurate information from my credit report. 
I also call their consumer relations leave message. Everyone at their company are notified. 
US Postal Money Orders XXXX {$370.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Maryland Mailed Certified with Return Receipt I am asking the FTC Consumer Protection to fully investigate this company and their bad business practices hurting consumer like myself. I am a citizen of this country and a XXXX XXXX, and this is how they repaid me for served this country for shady business like this in America.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LoanCare, LLC
State: IL

Complaint narrative:
My nephew and his girlfriend used my name to get a loan. She signed documents. I went to the police department and filed a identity thief. 
Sent all the papers to the Loancare. They are harassing me. 
I explained to them they have all the documents that I faxed to them. There phone number is XXXX. I spent one hour today. Telling them its not my loan.

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 2021-12-07 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: IL

Complaint narrative:
I Reviewed my credit report on or about XXXX  and noticed that it was several acccounts on my credit report that I did not recognize. I contacted the three major credit bureaus to get more information and I was instructed to dispute the information and I did they all responded with letters stating that the accounts were verified. I called each credit bureau individually and explained that the account were not opened by me and I had not given any autorization to anyone to open any accounts with my personal information. I was directed by each credit bureau to file a Identitiy theft report along with a police report with my local police dept. I sent them all the information requested on XX/XX/XXXX certified mail and they explained it would take upto 30 days to review the information and respond, on or about XX/XX/XXXX I called to follow up and XXXX and Trans Union said they never received anything the said to resend and XXXX received it but stated all accounts were verified and I would need to send in the documentation again for re-investigation. On XX/XX/XXXX I noticed some things had been deleted from XXXX and Trans Union but not all that was detailed in the FTC identity theft report and police report and XXXX nothing was deleted and I never received a response letter.

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 2021-12-07 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: IL

Complaint narrative:
I Reviewed my credit report on or about XX/XX/XXXX and noticed that it was several acccounts on my credit report that I did not recognize. I contacted the three major credit bureaus to get more information and I was instructed to dispute the information and I did they all responded with letters stating that the accounts were verified. I called each credit bureau individually and explained that the account were not opened by me and I had not given any autorization to anyone to open any accounts with my personal information. I was directed by each credit bureau to file a Identitiy theft report along with a police report with my local police dept. I sent them all the information requested on XX/XX/XXXX certified mail and they explained it would take upto 30 days to review the information and respond, on or about XX/XX/XXXX I called to follow up and XXXX and XXXX XXXX said they never received anything the said to resend and XXXX received it but stated all accounts were verified and I would need to send in the documentation again for re-investigation. On XX/XX/XXXX I noticed some things had been deleted from Equifax and XXXX XXXX but not all that was detailed in the FTC identity theft report and police report and XXXX nothing was deleted and I never received a response letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: LA

Complaint narrative:
on XXXX/XXXXXXXX21 I sent a dispute lettet in explaining the incorrect and in accurate information on my consumer report, as of today nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and Santander Consumer to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XXXX/XXXX/2021, XXXX/XXXX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: Lockhart, Morris & Montgomery Inc.
State: SC

Complaint narrative:
company for whatever reason pulled my credit report, it was not authorized and now I have another inquiry on my report... collection agencies has NO reason to pull a credit report as I didn't apply for credit and its NOT required to report a bad debt. 

My Theory : they pull your report, looking for bad debts to hassle you about, in an attempt to make money!! 

bad practice!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: PA

Complaint narrative:
TRANSUNION is fraudulently reporting a public record on my report. I have contacted the third party company they state they verified with. This company XXXX says this information was not verified and has been deleted from there data base. I have contacted the court listed on my file who states the same thing. I have requested both by phone and by mail that an investigation be done and this item removed. Transunion continues to send only credit reports. Since XX/XX/21 I have received XXXX reports. None of which show proof of an investigation or permissible purposes for certain items listed. This public record is intentionally being left on my file. Pursuant to the FCRA Cras have an obligation to investigate and report verified information only.

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 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Under FCRA law the investigations took more than 30-45 days and I haven't been notified of any results of the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a letter from XXXX XXXX at 5th 3rd but I am unsure what it is a response to and is very confusing to me. It seems to be a threat about our rebuilding our home and mentions a home we no longer had a contract for. It is all confusing and I do not knw what to do or who to contact since I am not allowed to contact the bank due to criminal complaint. I also can not log into any bank account or insurance account or anything to do with XXXX or the claims funds. I have not been able to log in for a very long time and am unable to submit documents until the criminal complaint has been removed. I do not want to lose my home due to 5th 3rds discrimination due to my XXXX. I have asked for access but the XXXX says I can not contact the bank. I have no place to submit documents except here and the documents they request are too large to file here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I am a XXXX XXXX XXXX XXXX  and applied for a credit card in my name only. The card company asked for me to verify income, so I used my household income ( my husbands pay stub ). The Credit Card company said that we needed to reapply under his name and I would be denied without proof of my income. I am not sure but I thought CARD act protected my rights to use household income. That I had this protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
Hello I was checking my credit report and I noticed a collection account which I attached a copy of below XX/XX/2021 I did not open any such account I don't even know what this is I disputed it on XXXX XXXX  they gave me a result that it was verified which is impossible again I've had no communication from this company again I don't even know who they are or what this is and I did not open that account XX/XX/2021 SPRING OAKS CAPITAL LLC Last reported XX/XX/2021 {$470.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/2021 ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Original creditor name XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation