vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I applied to Amazon Commercial Credit Card issued through Synchrony Bank. They have sent me an adverse letter, denying me credit due to " Insufficient credit from trade references '' and that is complete bull XXXX. I am the natural consumer and I am the one who is supplying the credit. Synchrony Bank does not issue out credit, they just extend MY credit back to ME. They are supposed to be following the Fair Credit Opportunity Act, but they are discriminating against me. I am a " applicant '' pursuant to federal law, and in good faith I exercised my RIGHT to obtain credit under the Fair Credit Opportunity Act, and they unlawfully denied me credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On XX/XX/XXXX I refinanced my home and elected to use some of the equity I pulled out to pay down/off a credit card I have with Barclays Bank XXXX The title company title365 sent me a check in the amount of {$4400.00} to send to Barclays. One XX/XX/XXXX I mailed them said check. This was not the only company I did this with, so about a month later all of the other checks I mailed except for the one sent to Barclays had been applied to the respective accounts. I called Barclays on XX/XX/XXXX to inquire where my payment was and why it had not been applied. They said they would research and figure out what is going on and let me know within 7-10 business days. I subsequently called Title365 ( on XXXX XX/XX/XXXX ) to check to see if their check had been cashed, and they informed me that it had cleared as of XX/XX/XXXX. I then reached back out to Barclays to inquire about the status of my check being applied to my account, they said they had not found it yet, but they would escalate my case and gave me the case number of XXXX to track all of the activity. It is now XX/XX/XXXX and I called again today seeing that my payment still has not been aplied to my account with another " wait XXXX to 5 days '' and you can call back. I am blown away that a company whom I have spent a ton of money with over the past several years is soooo slow and incompetent. Any help that can be provided in resolving this case would be greatly appreciated. I let the representative I spoke to today ( XXXX a supervisor ) know that I would be contacting the CFPB.

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 monetary relief
Consumer complaint received 2022-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
This loan was completely paid off and Experian will not reflect it. I disputed it with Experian and this is there erroneous response : The dispute for the account with XXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 

Source : Experian Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX Address : XXXX XXXX XXXX, XXXX  XXXX XXXX OK XXXX This is proof that Experian is NOT investigating ANYTHING when you dispute with them. I sold that car and paid off the loan and Experian is stating that XXXX said it wasn't paid off. I know that Experian did not contact XXXX XXXX XXXX because if they did, this loan would show CLOSED on my Experian report. There is something wrong down at Experian and no one is paying attention to the business tactics

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In XXXX XXXX XXXX Bank reported a refinanced account as a charge off account in the amount of {$21000.00} with a monthly payment of {$900.00} to the credit bureau. This account was refinanced on XX/XX/XXXX for {$21000.00} with a monthly payment of {$490.00}. This same account was paid off on XX/XX/XXXX and they are refusing to correct this information on my credit report. The definition of refinancing is the replacement of an existing debt obligation with another debt obligation under different terms. Please help me to get this resolved. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I lost my debit card in business in XXXX. After calling Citibanks customer service center in the XXXX  ( no choice ) a new card apparently mailed. But no card arrived. XXXX citibank. They refuse to send a new card unless I mail an apostilled request for a card to the US. From XXXX. Physically impossible to perform this task in XXXX. Citibank actively preventing me From accessing my account and refusing to provide an alternative l.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Subject : Reward points Date : XX/XX/2021 XXXX PM XXXX XXXX XXXX From : XXXX To : XXXX Sent from the Internet ( Details ) I was solicited by a Citi mailing to acquire a rewards plus account in XX/XX/2021 at which time the offer stated that if I spend {$1000.00} within the first 90 days I would receive XXXX points! Had I been advised at the time of procuring this card I would have not pursued it! 

I applied and spent in excess of {$1000.00} on XX/XX/2021. I subsequently did not receive these points and inquired on 3 separate occasions and was advised that it takes up to 3 billing cycles however I was entitled to these points. 

Today I called and was informed that I am not entitled to these points as I had some past transactions that were blocking this transaction? 

The solicitation was clear and I followed all of your instructions and I should be entitled to these points. 

Thank you for your assistance in this matter. 

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 2022-01-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is reporting over XXXX closed and paid accounts as open will keeps my fico score from increasing from in reaching its full capacity and score for financial stability. The accounts are continuously being reported as derogatory. The creditors have stated that the closed paid accounts are authorized to be deleted. The practice of reselling and reporting my closed and paid accounts must be stopped. This practice hinders me from getting a positive credit score and as a woman XXXX XXXXXXXX these practice do not help me get future credit and gives a creditor a negative outlook for any credit that I may apply for in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I was renting a home in XXXX GA through a company named XXXX homes. Covid 19 had just started and the company sent out emails and posted on the resident portal that if anyone has been affected by Covid-19 and needed to get out of their lease, pay their lease late without late fees, or needed extensions ; that they were willing to work with anyone. I spoke with my home manager and she agreed that I could break my lease with no fees or balance due. The company kept my deposit and the home was rented out in less than a month later. They have since put the collection on my credit even with the agreement. I've disputed it and submitted all corresponding emails. They refuse to remove the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: OK

Complaint narrative:
A purchase from XXXX using their financing services, provided by TD Bank, was made last year. The item was returned to XXXX within 10 days and a customer support representative assured me the balance was credited back to the account and no further balance remained. I have since received dozens of calls and two letters from TD Bank requesting payment of the full balance. I have spoken with XXXX who continues to assure me the return was processed and charge reversed. TD Bank still continues to pursue this balance despite being provided this information from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2022 Dear Capital Accounts After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2022. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, 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 2022-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Atlantic Recovery Solutions LLC
State: TX

Complaint narrative:
Atlantic Recovery Solutions agency has harass me consistently for XXXX years for a debt that was made in XXXX. They have lied to say they represent a company, but wont tell me who the company is and where they are located. They have called my father 's ex wife on numerous occasions leaving voicemails about a debt they claim that I owe. I have paid them a sum of {$1300.00} dollars over 3 years and debt has not been validated. They continue to call me and my family members and left voicemails on there phones concerning the debt. This is against the law for them to leave voicemails with my family members concerning the debts. On XX/XX/XXXX, they left voicemails for my stepbrother and stepmother concerning the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I am filing this Complaint for inaccurate and misleading information. 

I have filed a complaint with XXXX on an item on my credit report that has inaccurate information. They have replied in XXXX different occasions that they have verified that it belongs to me without explaining their investigation. Account XXXX listed with {$1200.00} debt is not recognizable. They simply respond that the account is valid and they show me no proof of their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
On XX/XX/2022 I contacted my mortgage servicer to notify them of hardship and unemployment. The automated system for Amerihome Mortgage informed me that they would send out a package for hardship. On XX/XX/2022 I contacted Amerihome Mortgage to let them know that I did not receive the packet. 

When I called, I was given an interview with customer service representative. After the interview, the representative informed me that I was only eligible for a loan modification and I could not request a 6 month extension of forbearance. At this time, I am unemployed and I am requesting a 6 month extension of forbearance. I am reporting Amerihome Mortgage for failing to honor the 18 month forbearance supported by law. I am also reporting Amerihome for failing to provide information in a timely manner. I will be held accountable for late payments due to their failure to provide support. 

Please look into this matter as soon as possible. Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated. 
This is the item I demanding to be deleted immediately : Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
It has been over 120 days since i have been trying to get Experian to address inaccurate information that i found on my credit report. My first letter was sent to them on XXXX and i simply asked them to verifity that the information on there was correct. They never verified the information or send me proof of verification, or even the method they used to verifiy the information. I've sent certified mail on XXXX as well as every 30 days inbetween XX/XX/XXXX and XX/XX/XXXX. I also reached out to some of the companies that were reporting the information prooving that Experian is reporting inaccurate information on my consumer credit report. To this day Experian has yet to send me any information regarding their investigation. The simply report " XXXX  by consumer '' on my credit report. How is this legal? This defineitely does not follow Compliance Procedures when it comes to accuracy, communication or time of the investigation. They are knowingly and wilfully reporting false information which is causing me stress and hurting my abillity to get a promotion at my job. I know Experian has a huge responisibility when it comes to consumer reporting, but they have failed to do that with me. Either they are simply lying to me, or they just aren't doing their job according to the Fair Credit And Reporting Act. I need you to help me get them to remove this information becuase it has been reporting inaccurately for way too long.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
This is in regards to my Paypal Mastercard through Synchrony Bank. They offer a 2 % cash back on all purchases. Initially I had no problem received the cash back rewards but I did not receive anything for my XXXX statement. At that time I quit using they card due to multiple customer service issues. My XXXX purchases totaled {$25000.00} and I am owed {$500.00} in cash back rewards for that statement. I contacted Synchrony mid XXXX about this issue and they said my new card needed to be activate for the rewards to show up. We took care of that and couple weeks later still nothing. I called them again and the rep said it would take couple more weeks. Still nothing so I called again, Rep said he sent an email and that the rewards should show up in a couple of weeks. I am tired to calling them with no resolution and I am hoping your group might be able to help in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: DC

Complaint narrative:
On Monday, XX/XX/2022 I received an unsolicited Visa card from Chime, a financial technology company based in XXXX XXXX. The card was in my name and sent to my home address. On Tuesday, XX/XX/XXXX, I received a text from XXXX notifying me that my Chime Visa was in the mail. I contacted Chime via the help phone number ( XXXX ) listed on their website ( chime.com ) to close the account as I had not opened the account. 

Chime asked me to verify my information, but the email address on file was not mine, and so the customer service representative said they could not close my account over the phone. A supervisor informed me I would only be able to close it after submitting documentation, but I needed to wait for their fraud department to contact me with information on where/how to submit that documentation. I am still waiting ; in the meanwhile, someone has access to a digital financial and banking account in my name and is likely using this fraudulent identify to commit fraud. 

I asked for an alert or freeze to be place on the account in the interim. The customer service supervisor I spoke with said this happens frequently. Chime makes it easy for anyone to open an account with anyone else 's information, and the company erects unnecessary barriers to close the account.

Company response to consumer: Closed with explanation