vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-27 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: PA

Complaint narrative:
A person or someone within an organization, the court or government entity may have breached my rights to privacy, and committed a fraud by utilizing my confidential identifying information in connection with or obtained through a consumer credit transaction without my express authorization. My private information is now being furnished/shared publicly, to my detriment, by unauthorized third party ( s ) and reported to several consumer reporting agencies, in violation of state and federal privacy laws and my consumers right to privacy under the Fair Credit Reporting Act.

The accounts are evidenced in my credit file and impairing my ability to engage in commerce. As a direct result of my privacy being breached US Bankruptcy court and/or XXXX XXXX  appears to be reporting an unauthorized, inaccurate, irrelevant account and other information within my file. I have filed an identity theft report number XXXX with the Federal Trade Commission to have all unauthorized items removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
I prepaid for a car rental on the XXXX website. When i arrived at the XXXX store to pickup the representative stated that they did not accept reservations that have paypal cards. She said she would have to create a new one which i paid with my XXXX XXXX card and that i would need to contact customer service and they would refund the original charge. I have now contacted the customer service line 4 times and requested a supervisor. They have not refunded my charges so i have been charged now twice for this car rental. Each time i spoke to them they stated they are submitting the refund and i would receive it within 7-10 days. To this day i only received a credit for one day that i added on. They provided me two refund confirmation numbers XXXX and then the next call they gave me XXXX. I have also reached out via social media. If it's not resolved I will open a complaint with the CFPB. I have attached the final receipt paid with XXXX card and initial reservation. Paypal has not accepted any of the 4 attempts to submit a dispute online. The website says there is an error and i am unable to reach anyone. 
This charge was on XX/XX/XXXX for {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: PA

Complaint narrative:
I am a victim of identity theft through a data breach. As your company knows a data breach has effected a lot of people in their lives in a negative way. My life has been turned upside down because of it. I have fraudulent inquires that can't stay on my report and must be blocked and removed according to the FCRA you have 4 days within receipt of this to get it off my report. As you know me being a victim of data breach has made me vulnerable. Im in the process of buying a house for my XXXX  he's a XXXX  man and needs a place to be where he can heal and get better. Family is everything to me and I hope it is to you. As a consumer protect me and remove this as soon as possible because I have to buy a house and it is stopping me from helping my XXXX. I have attached the FTC report with the names and dates the fraud took place, also a picture of my ID and proof address. 

XXXX Bless You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/XXXX of this year, I filed a dispute on a transaction where I was scammed for {$250.00}. I had went to purchase a pair of sneakers from a verified account on XXXX only to be blocked and denied a refund. I informed my Chime about this and also provided picture evidence of all of this. I was told it would take no longer than 90 days to complete a full investigation, which gave me a decision date of XX/XX/XXXX. I waited the full 90 day period, all the while checking in every month to see the status of my complaint. Come XX/XX/XXXX I received no communication and when I called in they said I would have to wait 3 business days to receive a decision. This happened 2 or 3 more times after that. Between the uninformed and redundant support staff and what seems like a very inexperienced investigation team I was denied after showing proof that a scam had been run and I had never received my items. Then in order to appeal they wanted to make me wait 10 more days to receive information they used in the investigation ; as well as up to 30 days more for the investigation to be run again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
The account was paid still in showing on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Obtained this card through a store for a purchase I was making at the time, got a promotional purchase that allowed me to pay interest free if paid by a certain time. I had since not used the card but had automated payments going thru each month a bill was due and not once had I missed a payment. My intentions was to pay the card off as the promotion is coming to an end, I received a credit alert saying that Synchrony had reduced my available credit from {$500.00} to {$250.00} for no reason at all. I had not authorized Synchrony to pull my credit nor would they have a reason to do so given that this account is fairly new and hasn't been used that much ( at least not in the moment ). As of a result of Synchrony 's action it had reduced my credit score and reflects poorly overall for my credit utilization. This has potential to harm me financially in the short term for again no reason at all. I had not applied for anything further from synchrony and in fact hold a Amazon account with them that is also paid for automatically and has never been delinquent,

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 2021-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
FIFTH THIRD REJECTED DIRECT DEPOSIT ON XX/XX/21 FROM XXXX XXXX. XXXX XXXX MAILED A CHECK THAT WAS DEPOSITED ON XX/XX/21. FIFTH THIRD BANK CONTINUES TO HOLD THESE FUNDS XXXX OF XX/XX/21. WHEN I SPOKE TO THE BANK THEY GAVE ME THREE DIFFERENT EXCUSES ON THE SAME PHONE CALL. ESSENTIALY THE PERSON HAD NO IDEA WHY FUNDS WERE NOT AVAILABLE. AFTER NUMEROUSE CALLS, THE BANK STATED A 7 DAY HOLD BECAUSE OF AN ONLINE DEPOSIT. THE ONLINE DEPOSIT SAYS IT WILL BE AVAIALBLE WITHIN 5 DAYS SO NONE OF THE EXCUSES GIVEN COINCIDE WITH ANY OF THEIR STATED POLICIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: NY

Complaint narrative:
I have filed a dispute with Equifax, XXXX and XXXX  in regards to incorrect items on my credit report. It has been well over the 30 days and I haven't received any investigation results. I have several items on my account the need to be removed due to inaccurate information. 
1. XXXX  - Late payment - never late 2. XXXX XXXX- Not my account 3. XXXX XXXX - Not my account 4. XXXX XXXX  account- Not my account 5. XXXX XXXX XXXX XXXX Never late 6. XXXX account - Not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
XXXX is still being reported on all 3 credit files already and per they request would remove off my credit file still is showing I want removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I applied for a XXXX XXXX  credit card and it was denied saying past or current delinquent account. I looked at my equifax credit Report and I didnt see any delinquency or public record and they telling me equifax provided it. I am confused because thats not the case I have no delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Total Card, Inc.
State: GA

Complaint narrative:
XXXX is still being reported on all 3 credit files already and per they request would remove off my credit file still is showing I want removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I received an email on XX/XX/2021 from Capital One stating " Dont miss this opportunity to pay down a higher-rate balance with no transfer fee. When you transfer a higher-rate balance today you could save on interest with 13.99 % variable APR for 36 months. After the offer period, well apply your purchase rate of 24.49 % variable APR to any remaining balance of your transfer ( s ). Just be sure to transfer a balance by XX/XX/2021. Then think of how much you could save on interest. '' I clicked the email saying take advantage of this offer, as this deal could save me money on my debt so I wanted to take advantage, in my offers in my capital one account it states " Transfer a balance at the same rate as your purchases, currently 24.49 % variable, without paying a transfer fee. '' This is the only offer on my account, so I call customer support so they can fix it and give me the offer I was given only to be passed around to three different departments and the final answer is the only offer they can give me is the false one listed on my account for the 24.49 %. This was a huge inconvenience as it took a very long time on the phone and false advertising for debt solutions that I wanted to use. They had no interest in helping me or honoring their offer that they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied for a citi bank credit card and it was denied saying past or current delinquent account. I looked at my XXXX  credit Report and I didnt see any delinquency or public record and they telling me XXXX provided it. I am confused because thats not the case I have no delinquency.

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 2021-07-27 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: GA

Complaint narrative:
I have contacted XXXX XXXX  and Equifax regarding my information being used without my authority. I have requested multiple times that the inaccurate information accounts and inquiries be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: GA

Complaint narrative:
I have contacted XXXX Experian and XXXX  regarding my information being used without my authority. I have requested multiple times that the inaccurate information accounts and inquiries be removed.

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 2021-07-27 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I ordered three items from a merchant from a XXXX add called, XXXX XXXX XXXX, XXXX in the amount of {$180.00} on XX/XX/2021. I never did receive a order number or a tracking number. I went to the website and I sent a request for it thorough the website " contact '' page. I received a email back form them, that said, " They had no record of an order by me ''. I sent them copy of receipt and invoice number as well as transaction number receipt, but they still insisted I " did not order anything form them ''. They said I was " duped '' and " scammed '' by a fake website in " XXXX '', ( see attachments ). So I called " synchrony bank '' ( who owns my paypal credit account ), and they said that they would credit my account, but it has not happened. I should not have to pay for an item I have not received or scammed. I received three emails from the merchant ( see attachments ), that says " I was " scammed '.

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 2021-07-27 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I notified TD Bank in XX/XX/2020 about a fraudulent account opened in my name and they are still reporting it. ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27 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: PA

Complaint narrative:
I notified XXXX XXXX in XX/XX/2020 about a fraudulent account opened in my name and they are still reporting it. ( Transunion )

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 2021-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC
State: KY

Complaint narrative:
Credit control for XXXX XXXX repeatedly calling emailing and sending letters with various amounts and i was a vi tim of identity fraud there for this charge wasn't mine to begin with

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 2021-07-27 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX! XXXX DOB - XX/XX/XXXX LAST 4 SSN - XXXX FILE NUMBER XXXX PLEASE APPLY THESE LAWS TO MY ACCOUNTS : I AM WRITING TO ASK THAT YOU DELETE ALL UNAUTHORIZED INQUIRIES, DEROGATORY REMARKS, AND CLOSED ACCOUNTS, ALSO FRAUDULENT ITEMS THAT I HAVE FOUND IN MY CREDIT REPORT. I HAVE REACHED OUT TO ALL 3 CREDIT BUREAUS TO REPORT THESE ITEMS BUT HAVE YET RECEIVED ANY RESOLUTION. I AM AGAIN ASKING THE ITEMS LISTED BELOW TO PLEASE BE DELETED FROM MY FILE AS MANY OF THESE ITEMS ARE MISREPRESENTED ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS AND DEROGATORY REMARKS HAVE MADE IT HARD FOR ME TO LIVE A DECENT LIFE. 


DEAR SIRS/MAMS THE FAIR DEBT COLLECTION PRACTICES ACT LAW 111-203, TITLE X, 124 STAT. 2092 ( 2010 ) FAIR CREDIT REPORTING ACT ( FCRA ) 15 U.S.C SS 1681 ( FCRA )

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 2021-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
This is my third complaint filed on PHH Mortgage regarding the same unresolved issue since XXXX XXXX XXXXThe amount of {$900.00} was to be released after mortgage payoff with PHH Mortgage XXXX XXXX. PHH mortgage claimed they mailed a check for this amount on XXXX XXXX XXXX I have not received that check. 

I have repeatedly contacted PHH Mortgages Customer Service and Research Department with no resolutions to this issue as detailed in my two previous complaints : # XXXX-XXXX  filed XXXX XXXX and # XXXX-XXXX filed XXXX XXXX. These complaints are attached. 

PHH Mortgage claims in their response to have sent three checks. I have received none of them.

I have attached PHH Mortgage last response dated XXXX XXXX. PHH MORTGAGE claims to have overnighted a check via XXXX tracking number is XXXX. ( The XXXX number should start with a 1 not an I ). PHH MORTGAGE did not state what address it was sent to. I have attached a screenshot of the XXXX tracking number. It also does not show an address of where it was sent/delivered. 

I have provided my current address to PHH Mortgage numerous times. My current address is listed on my complaint. You can see on the attached response from PHH Mortgage it has my current address. 

To be clear, I have attached a document providing my current address. Again, I have attached a document stating my current address My escrow overage check needs to be mailed to my current address.

This is NOT the exceptional customer service PHH MORTGAGE claims they strive for. I have been beyond patient in trying to resolve this issue for two years! 

I have attached all supporting documents for this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
signed up for apple card ( goldman sachs ), took one week for a " fraud '' check and was offered a card. Once accepted they said they would then hard pull the credit, I accepted the card. That was XX/XX/XXXX, since then the account is locked, they did a hard pull on the credit so my report shows it and went down a few points. Since its locked I called and chatted many times I lost track and keep being told its under fraud review. 21 days to review after they hit my credit report! I got a top secret clearance faster!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: Westlake Services, LLC
State: NY

Complaint narrative:
Accounts appear on my report that I never opened or authorized. The accounts are : WESTLAKE FIN XXXX XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX 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 2021-07-27 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: DC

Complaint narrative:
First to start I am submitting this complaint on behalf of MYSELF. My name is XXXX XXXX. I recently submitted a dispute via the mobile app for XXXX XXXX, and Equifax disputing items that per the FCRA should be excluded from the consumer report as well these companies did not have my written consent to report any information. Additionally, I should not have any items on my consumer report as 1. I did not give any consent to harbor my personal identifying information without my consent or the judgement of a competent court of jurisdiction. Having my personal information is a violation of the Privacy Act as well as 15 USC 1681a ( 4 ). Also reporting to credit reporting agencies is voluntary per the CFPB. To further per 15 USC 1681b ( 2 ), I have mailed my written instructions to all consumer reporting agencies, certified mail return receipt, regarding my consumer report. I have been injured by the errors and the violations against me, a federally protected consumer as it relates to my consumer report as the errors have cause me to be denied for consumer credit transactions. Additionally, XXXX  is in violation of 15USC 1681a ( 2 ) ( b ) for including items that should be excluded from my consumer report. Again I am Sending this complaint on my own behalf. This is NOT a third party complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Home depot charged interest of {$100.00} in 1 mo. Mininum payment is {$60.00}. Lowered credit limit to tank credit score after paying off promo amounts regularly.

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