vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
In XXXX of 2020 I purchased a pair of XXXX through amazon.com using my Synchrony amazon store credit card. I ended up returning the XXXX and was refunded by amazon for the purchase. The refund was processed on my account in XX/XX/XXXX or XXXX. In XXXX I was charged {$160.00}, initially I thought that this was a fraudulent transaction and called Synchrony. They told me that it was a purchase made on my amazon account, I checked my amazon account and nothing had been purchased through there and I informed them of this in the same call. They told me that a fraud claim would be filled and that the charge would be disputed. They came back to me later saying that the merchant claimed I never returned the XXXX. I called amazon to ask them about this and they said that I did and have even been on a call synchrony to explain to them that they issues a refund and that the product was returned and that i should not be getting charged for this. I have called synchrony at-least 4 times and talked to them via chat multiple times regarding this issue and have not been able to resolve it. They are now charging me late fees and miss payment fees for something that should have already been resolved.

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 2021-07-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX  XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.

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 2021-07-03 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$540.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$540.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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 am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction XXXX s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion LLC has violated the Fair Credit Reporting Act. They have not responded in a timely manner with any results within 30 day to 45 day time frame. Involving my letters with erroneous credit inquires that i did not authorize, and that i do not recognize. I have sent them letters. They have signed and returned that the certified mail has been received with no response months later. I would like immediate deletions for this wrongfully credit inquires that have been put on my credit report without any authorization. I have already written letters to the companies involving this matter as well and they told me to deal with the credit breau, and TransUnion as not taken action to report to me the consumer in the time frame as agreed according to the FCRA. 
The inquires include 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 2021-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Talked with Bank of America about the monthly fee charged on XX/XX/XXXX in XXXX XXXX. 

I had talked with Bank of America in XXXX XXXX about the fee and the fee was waived. The agent told me that I need to have more than {$10000.00} in my account to avoid the fee in the next billing cycle so I deposit the money in XXXX to keep the fund in my account to {$20000.00} but still get charged. The talk in XXXX XXXX, the representative refused to waive the fee and tell me the fee will be avoid in next billing cycle, which looks like a scam to 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 monetary relief
Consumer complaint received 2021-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX  XXXX and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX {$49.00}

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 2021-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Synovus Bank
State: GA

Complaint narrative:
My bank is taking full advantage of unemployed people. I have a transaction that I tried to stop. I was waiting for my unemployment direct deposit and noticed that my credit payment was automatically coming out. I tried to stop the automatic debit but was told that the transaction cant be stopped, I called my bank and I was told that they cant blockage transactions I had to wait for the charge to hit my account, once the chats get hit my account I called my bank again and was told that nothing can be done because it was pending. By then I was finally able to remove my banking information from my credit card profile. My bank charged me XXXX over draft fees and when my unemployment came in I had to pay XXXX {$36.00} fees. This should be illegal because I desperately tried to alert my bank to no avail and most of my unemployment check went to their fees. Im a single mother of XXXX and couldnt pay a bill because of this. This has happened more then once at this bank. Even if I call them and they refund transactions I swear within a couple of days they are back on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX {$250.00}

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 2021-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I was purchasing a video game console through XXXX 's XXXX XXXX XX/XX/XXXXprogram through XXXX, which requires you to obtain a line of credit through Citizens. Citizens handles the lines of credit for this program for all retailers offering it. When starting the Citizens application it is stated that the product is held while the application is being completed and processed. I finished my application and was immediately approved. This was all on XX/XX/2021. Today on XX/XX/2021 I get a message from Citizens saying that my order was cancelled because there was no inventory available. There is now a hard inquiry on my credit report, as well as an open credit account under my name that can only be used for this program with the retailer I had gone through. All official sources for this program designate Citizens as the support channel for this program. It was fraudulent for them to let me go through this process of applying for a credit account for a product that was reserved for me, but not actually available, and to now have this stain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: CarMax, Inc.
State: PA

Complaint narrative:
CarMax refuses to remove my late payments during my XXXX treatments for the months of XXXX, XXXX, XXXX, XXXX, XXXX of XXXX and the first month of Covid XX/XX/XXXX, after agreeing to remove those late payments. I have notified and disputed the information with all XXXX bureaus and their finds comeback " VERIFIED '' with no further information. I have exhausted myself attempting to have this matter taken care of and this is my last resort.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: PA

Complaint narrative:
XXXX refuses to remove my late payments during my XXXX treatments for the months of XXXX, XXXX, XXXX, XXXX, XXXX of XXXX and the first month of Covid XX/XX/XXXX, after agreeing to remove those late payments. I have notified and disputed the information with all 3 bureaus and their finds comeback " VERIFIED '' with no further information. I have exhausted myself attempting to have this matter taken care of and this is my last resort.

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 2021-07-03 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: PA

Complaint narrative:
XXXX refuses to remove my late payments during my XXXX treatments for the months of XXXX, XXXX, XXXX, XXXX, XXXX of XXXX and the first month of Covid XX/XX/XXXX, after agreeing to remove those late payments. I have notified and disputed the information with all 3 bureaus and their finds comeback " VERIFIED '' with no further information. I have exhausted myself attempting to have this matter taken care of and this is my last resort.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX refuses to remove my late payments during my XXXX treatments for the months of XXXX, XXXX, XXXX, XXXX, XXXX of XXXX and the first month of Covid XX/XX/XXXX, after agreeing to remove those late payments. I have notified and disputed the information with all 3 bureaus and their finds comeback " VERIFIED '' with no further information. I have exhausted myself attempting to have this matter taken care of and this is my last resort.

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 2021-07-03 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2021 and XX/XX/2021 I reviewed a copy of my credit report and notified each bureau of inaccurate information is currently being reported.

In my letters, I asked Equifax to validate these accounts and provide physical proof/verification that I am entitled to according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ).

To date, I have not received any physical proof validation and these items are still being reported negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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 am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX I mailed a package to XXXX The package came back to PO because they said it had rechargeable battery which not allowed. I collected package at PO and then sent receipt and all documents to Capital One for claw back on XX/XX/XXXX To date i have not received credit nor acknowledgement of request If lost in mail I will send another copy but must know from Capital One if dispute letter was received

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: NY

Complaint narrative:
I was misled by a XXXX XXXX rep that if I did a wire transfer from my XXXX XXXX account online profile to my cash app checking account that I would receive my funds instantly. However after submitting my wire transfer of {$250.00} from XXXX XXXX Unemployment Prepaid Checking account to my cash app account on Thursday XX/XX/2021, my funds are still not available to me on cash app account on Friday XX/XX/2021. 

Also I have a refund for The XXXX XXXXXXXX XXXX XXXX for a hotel reservation that I booked and canceled on Tuesday XX/XX/2021 in the amount of {$120.00} that was suppose to have been refunded to My XXXX XXXX Unemployment prepaid card has not been issued. I spoke with XXXXXXXX XXXX numerous times they have informed me that this hold along with 2 others will not released or added back to my account until a month for now. 

XXXX XXXX refuses to help me cancel the wire transfer of {$250.00} dispise the fact that I was misinformed hot to obtain my money instantly by one of there employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX, I applied for Care Credit and was approved for {$7000.00}. A week later I checked online and the account was blocked. I have never used the account. I received a letter asking to verify my identity. I mailed my documents to the PO Box on the letter. TWO MONTHS LATER THEY CLOSED MY ACCOUNT! WITH NO EXPLANATION! I don't understand how a company like this can still be in business. I've never had fraud in my name and I sent in the paper work they requested. WHY WAS MY ACCOUNT CLOSED??????

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 2021-07-03 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: TX

Complaint narrative:
I have asked multiple times for the original credit applications for these inquires and nobody can provide them. 
These inquires are not mine and Equifax customer support refuses to fix false information. 
Does Equifax report false information? 
These are the inquiries below. 
( XXXX XXXX, XX/XX/XXXX ) ( XXXX XXXX, XX/XX/XXXX ( XXXX XXXX XXXX, XX/XX/XXXX ) ( XXXX XXXX, XX/XX/XXXX ) ( XXXX XXXX XXXX, XX/XX/XXXX ) ( XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX, XX/XX/XXXX ) ( XXXX XXXXXXXX XXXX XX/XX/XXXX ) These need to be removed they are fraud!! 
Your customer support hangs up on customers when they ask for a manager to help assist, they refuse to be recorded due to shady practices, wont give you employe identification to hold them responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I paid off my accounts on all of my Amex cards ( 3 total ). The limits were : {$12000.00} ( recently paid about $ XXXX to pay off completely to XXXX balance ), another was {$5000.00} limit and another was another {$5000.00} limit. Ive had my card since XXXX. 

I have never paid late, missed a payment, and I always pay twice the amount of the minimum payments. 

When I tried to make a purchase on the {$12000.00} ( XXXX XXXX XXXX XXXX  ) limit card they immediately blocked it and put my limit to {$1000.00} and told me they need all of my financials and proof of income. Which I complied and worked on appeal. This was on XX/XX/XXXX. 

Then on another card today XX/XX/XXXX I had {$5000.00} available credit with {$0.00} balance and I made an XXXX XXXX purchase for {$9.00} and they again changed it to {$1000.00}. I called to speak to a manager and they denied me. They claimed they have to review my account first ( even though they didnt ask me why I am calling ). 

I have done nothing wrong or anything to have warranted such treatment. I pay the annual fees for my cards of over {$300.00} a year and I never missed a payment and in fact I pay off my balances. 

They cited that I opened new credit cards recently which I did because I was offered 0 % APR and some had more cash back ( e.g. XXXX XXXX for my XXXX XXXX  purchases and XXXX card for my XXXX phone bill ). But that should give them the right to suddenly reduce my available credit by more than {$15000.00} for trying to use it to by something so small as {$9.00} XXXX XXXX pass

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have my social security and card info to a scanning website I believed to be PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: TN

Complaint narrative:
I discovered certain issues on my credit report that were improperly reported after analyzing it. The Congress has granted me the ability to dispute and correct inaccurate information on my credit report.

Company response to consumer: Closed with explanation