vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX  ; Experian and XXXX are reporting incorrectly a collection in the amount of {$220.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had scheduled a time for XXXX XXXX to come and do the installation however, their technician was a no-show. I immediately contacted customer service with XXXX XXXX and told them that their technician never bothered to show up and never communicated with me why he was a no-show. I cancelled my service and I was told by the representative at XXXX XXXX since their technician failed to show up for his appointment that cancelling would not result in my owing any money on this account and that this account was in fact closed. I did not know that XXXX XXXX had sent me to collections until I obtained a copy of my credit report. This false reporting of a collection is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-11-25 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: NY

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, THE ACCOUNT BEING DISPUTED HAS BEEN PURGED OFF MY CREDIT REPORT AND IT IS NOW REPORTING AS A DEROGATORY. PLEASE HAVE THIS ACCOUNT COMPLETELY OFF MY CREDIT REPORT AND HAVE IT REPORTING WITH THE CORRECT ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am trying to close on a house on which my and my wife 's offer has been accepted, and urgently require funds in my savings account. All of my savings are there, and time is of the essence, yet I can not access any funds or contact anyone who works for Synchrony Bank. 

Today ( XX/XX/2019 ) I tried numerous times to access my Synchrony Bank online Savings account through its website and the app. The pages would not load, and I also tried calling all published customer service phone numbers ( the online representative chat was also unavailable at XXXX pacific time, which was unusual ). Half of the calls to customer service were dropped or otherwise disconnected ; a few more had a " technical difficulties '' response and disconnected, and the rest connected me randomly to advertisements and credit card help lines ( Amazon, Sam 's Club, and Banana Republic, to name a few ). 

I also tried transferring funds through the ACH online transfer to external bank accounts which had previously been verified, but that resulted in an error message, as well. 

I can not access any of my own money, and I am concerned I may lose this house and possibly all of my funds.

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 2019-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Received a letter or what looks like a summons to appear at hearing on XX/XX/XXXX from Midland Funding LLC C/O someone named XXXX XXXX. 

The " summons '' is not dated, not on any XXXX County letter head, there is no record of the case number, I called the XXXX County Clerks office, no clerk of court stamp nor does the letter give any amount of money I supposedly owe. I do not know this person nor do I owe any debt to Midland Funding LLC. I do not know who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$4000.00} XXXX  {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX AUTHORIZED USER Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF PERSONALLY. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNT AND INQUIRY DOES NOT RELATE TO ANY TRANSACTION THAT WAS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I requested a validation of the debt from collection agency Resurgent Capital Services. In my request for validation, I demanded a authenticated copy of an original contact with my signature as per the Fair Debt Collections Practices Act, tile 15 U.S.C section 1692g.  XXXX XXXX XXXX, XXXX failed to validate the debt. The only documentation that I have received is a billing statement from the original creditor. I do not consent to contract with XXXX XXXX XXXX, XXXX. The collection agency is in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
Missing my escrow $ 8,000+ escrow check from a house closing in XXXX from Flagstar Bank . They will do nothing to help. They said they can recut a check and I can wait for another 2 weeks but I need it to close on a house. I was supposed to have it by the XXXX of 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 2019-11-25 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:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$4000.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX AUTHORIZED USER Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XX/XX/XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Caliber Home Loans, Inc.
State: RI

Complaint narrative:
XX/XX/XXXX My complaint concerns two issues with a mortgage service company : 1. ) In an attempt to collect a mortgage debt from me the mortgage servicing company directed a company that broke into my home and locked me out. This case was summary judged in their favor in Superior Court XXXX. I disagreed and appealed that decision. The verdict was reaffirmed by the Supreme Court in XXXX   last week on XX/XX/XXXX. I have attached a similar case from Washington State that verifies the opinion that I contend as decided by Supreme Court Justices in a similar lien theory state like RI. My only option aside from your office is to bring this to the US  Supreme Court. I respectfully seek your assistance with this. 

2. ) The mortgage company committed perjury in this case ; they provided an Affidavit to the Superior Court that mortgage payments were not being made at the time they locked me out and on another occasion they had entered my property. I have attached a detail of proof from RI Housing Mortgage which assisted me during those periods between XXXX and XXXX with XXXX XXXX XXXX XXXX payments which were disbursed on my behalf to the loan service company, accepted by them however not properly applied to my mortgage account. Please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I have an IRA CD and a family trust CD with Synchrony Bank. on XXXX, 2019 I received two emails within 7 minutes of each other that stated that a trial deposit has been successfully made to an amazon creditbuilder account. We do not own this account. When I attempted to reach Synchrony regarding this issue, I got a recording stating that the number was not a working number and it came up as a spam number on my phone. This is a number for synchrony that I have used before. Every number attempted to reach the bank resulted in the same result. I am concerned that money has been removed from either of both of these 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 2019-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synerprise Consulting Services, Inc.
State: MO

Complaint narrative:
HAVE TRIED TO GET A VERIFICATION AND A VALIDATION OF DEBT ... ... THEY HAVE REPORTED DEBTS TO CREDIT AGENCIES THAT HAVE CAUSED ME FINANCIAL HARM.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony Bank sent me 3 emails indicating I had opened an XXXX XXXX XXXX credit card. A deposit had been made and they needed my application completed. I called 3 different numbers for Synchrony Bank and got through but they just dropped the call. I called XXXX asking how the bank got my email address and they didn't know. I can not reach the bank to get any info about a credit card I did not open.

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 2019-11-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have no idea what this attached email I just received is ... 
I am concerned for my privacy on my XXXX account. Below is context of email from Synchrony Bank A Trial Deposit Has Been Successfully Made to Your XXXX XXXX  credit card statements/payments x Synchrony Bank XXXX XXXX ( 2 hours ago ) to me Note : This email was sent to you by Synchrony Bank, the issuer of your XXXX XXXX Account. You may receive account servicing emails even if you have requested not to receive marketing offers by email for your XXXX XXXX Account. Synchrony Bank is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Utah, XXXX, USA. 

This is an unmonitored email box. Please do not reply to this email. 

Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at www.ftc.gov/idtheft/.

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 2019-11-25 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: GA

Complaint narrative:
++++XXXX XXXX++++ XXXX details Equifax XXXX XXXX from XX/XX/XXXX Misc. 
XXXX XXXX XXXX from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXl Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX ***Equifax*** Inquiry details XXXX XXXX , XXXX XXXX  Inquiry from XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX   XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX MXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 non-monetary relief
Consumer complaint received 2019-11-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2019, I received three emails from Synchrony Bank, alerting me that deposits had been made to an Amazon Creditbuilder account in my name. While I do have an Amazon Prime account, I do not have an Amazon Creditbuilder account, which is a secured credit card. This account is fraudulent, as I have never applied for one, either. 

I have spent five hours trying to get in touch with someone at Synchrony Bank to report this potentially fraudulent activity, but their electronic chat feature will not load and each of the four telephone numbers I have attempted to reach has said that they are unable to process my call.

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 2019-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
New car loan acct # XXXX purchase date XX/XX/XXXX. XX/XX/XXXX due date change requested at dealer and prior to 1st payment due with Ally Financial who tried to charge me for a date change. I requested prior to 1st payment due asked for the charge to be waived and due date changed. Escalated with Ally Financial they approved the date change noted my account. They didnt adhere and allowed my account to go into collections, added late fees and began harassing collection calls. Made repeated request to correct my XXXX I asked for my account to again be corrected Ally financial refused until I made a payment. Strong arming me. Payment made. Account still not corrected. No company should charge a customer to change an initial due date, strong arm a customer with intimidation by refusing to correct a problem unless payment is made. Due date change approved the XXXX week of XXXX by Ally financial. My account was mishandled. I'm having problems getting resolution. Please help!

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 2019-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I checked my credit report and saw and account from MEDICAL DATA SYSTEMS for {$840.00} for XXXX XXXX. I had no knowledge of this account and have never received any notice in regards to the account or how to dispute the account.

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 2019-11-25 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: GA

Complaint narrative:
XXXXnquiry details XXXX XXXX., XXXX XXXX Inquiry from XX/XX/2018 XXXX

Company response to consumer: Closed with non-monetary relief