vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-20 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/XXXX, I attempted to purchase a new cell phone on line. The transaction was denied and my credit card was blocked. I spoke to Synchrony Bank, who issued the credit card, at least 2 times, on the XXXX and the XXXX. First, they could not tell me why they blocked the transaction, only that it " appeared fraudulent ''. Second, i had purchased two items in XX/XX/XXXX, both of which were substantially more money than the phone, and neither of those transactions were denied, nor was my account blocked. I suspect that this transaction was denied and my credit card blocked BECAUSE the transaction was for a cell phone, and not because there was anything suspicious about the transaction. I have monthly automatic payments going to this credit card, including some medical, which are now in jeopardy. Synchrony told me I had two options -- 1. To reply to a text message
where I would have to send ( over an unsecured cell phone ) a front facing video of my face, a photo of the front and back of my driver 's license, and a moving video of my face ( there were 4 steps to this text message ). OR 2. wait 7 - 10 days for a letter to be mailed to me that I could reply to. When you use step 1., you give
Synchrony automatic approval to collect biometric identifiers about yourself. This is also not acceptable to me.

I do not want a photo of myself or my driver 's license on the internet. That would seem to encourage identity theft, not discourage it.

A manager spoke to me and asked me for my email account. I gave it to her, and she said that account was listed in someone else 's name. Well, that is strange, because when I pay my credit card bill, I get emails from Synchrony to the email address that I gave the manager. The manager also told me that she could not get into my credit card account because it was blocked. Why is that? If Synchrony blocked the account, why couldn't a Synchrony manager get into the account. I asked that she transfer me to someone at a higher rank than she was, but she would not do so. She kept saying that I would have to use one of the 2 options above. I did try responding to the text message though. But my cell phone
was so old, it would not respond to the 4th step requesting the moving video of my face, etc. So I could not comply with this. I had the Synchrony manager on the phone with me when I tried to respond to the text message.

Neither of these options is acceptable to me. I pay my account in full every month and expect better service than this.

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 2020-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: MI

Complaint narrative:
RE : Radius Global Solutions account # XXXX XXXX RADIUS Global Solutions bought a JUNK DEBT for an account I had filed not ONE, but TWO proper ID Theft reports way back in XXXX and XX/XX/XXXX FTC report # XXXX ( see attached FTC ID Theft Report ). 
About a year ago Radius began sending me collection notices for the XXXX accounts listed on my ID Theft Report. XXXX of XXXX I sent Radius Global Solutions a CEASE & DESIST request. Global Solutions has ignored that request. I do not owe any debt from  XXXX and Radius Global is harassing me. I am again requesting for Radius Global Solutions to Please Cease & Desist all communications, unless the communication is to inform me they will no longer attempt to collect on the illegal debt and will not attempt to resale the debt to another Junk collection agency.  Radius G.S. does have a legal obligation to Also for them to conduct a proper investigation and provide me a report of that investigation including the steps they took to investigate.

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 2020-10-20 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Well in a nutshell the problem started in XXXX when Amex lowered my credit limit from XXXX $ to XXXX . My account was paid in full and never had a missed a payment. I've been a member since 2017 and have a fico score over XXXX. Their reasoning for the XXXX THOUSAND dollar reduction in my limit was because of a soft inquiry from XXXX..initiated by them not me. 
I find this to be fraudulent and having to do more with covid-19 and a possible credit rush than me and my situation. If anything my credit is better now than in 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
We have had ongoing issues requesting payoffs from PNC. It takes days, and many requests need to be submitted various times. On the last loan, we sent in 4 requests over a 15 day period only to then to be  told that our Borrower 's Authorization document was over 30 days  old and our request was being denied. ( we had a previous payoff from XX/XX/XXXX so they knew we had authorization ) No one informed us of this until I called in and made a verbal request today ( XX/XX/XXXX ). 

This is absolutely unacceptable. We do not have this issue with other lenders. Most payoffs can be easily requested either online or via phone. Of course you need pertinent borrower information, which we already have since we have their new loan in process. 

I can't help but think this practice is an effort to make payoff more difficult for clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: AL

Complaint narrative:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : 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 2020-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Hello - I have a credit card account with Chase Bank. It's a Sapphire Preferred card and I use it often and pay it off each month. As a customer, I've received several emails lately inviting me to apply for the Chase Freedom card ( no annual fee and {$200.00} credit when making at least {$500.00} in purchases over three months ). I didn't apply because I don't need a new card ( and wouldn't want an inquiry on my credit report when I don't need to apply for new credit ). I logged in to my  regular account today ( XX/XX/20 ) and saw on the right-hand side of my screen that I had been approved for this new ( to me ) Chase Freedom card. I was surprised because I'd never seen that language before - that I was approved ( without applying for the card ) ... not that I was " pre-approved '' ... but " approved ''. Now I was interested because I presumed ( turns out incorrectly ) that I was approved for this card and that should then mean no hit to my credit by way of a hard inquiry. So I  clicked through ... confirmed some info and clicked on the button to submit the info. I was taken to a screen that said my application was under review and I would receive a card in the mail in XXXX days if I was approved. I immediately received an alert from XXXX also stating that I have a new hard inquiry on my report from Chase that will stay on my credit report for 25 months. I know from past experience that anytime you don't get immediate approval you are not approved. So now I am here without the card ( even though it said in my account that I was APPROVED for this card ) AND a hard inquiry - which is what I am truly upset about. I tried calling the company and was on hold for 17 minutes before I was told that she's sorry she can't give me the answer I am looking for but that any time you apply for credit your credit report is  pulled. And that I should have clicked on the terms and conditions to see this ( incidentally, this type of info should not be buried in a terms and conditions section you have to click on ). I explained the entire thing again - that it said I was APPROVED already, not PRE-approved, and that I just submitted/confirmed info. Nowhere did it say I was applying or that I was getting a hard inquiry on my report. I'm not an XXXX - I have an extensive credit file and good credit, so of course, I know that you normally would have a hard inquiry if you were APPLYING for credit. But this said ( as I was logged in to my current account ) - that I was actually approved for this card. Again, I do not care about getting this card - I just don't want the hard inquiry - would've never put the info in if I had known.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
I have been customer XXXX XXXX XXXX Mortgage Co for last 20 year. Since XX/XX/2020 i requested for refinance of loan. I have been making payment for last 20 year on time. My credit Score is over XXXX point. They agree to refinance my loan with no point.My loan officer send me estimate I signed and send it back to processing department. At the time  closing bank charge me XXXX more then initial estimate. I tried to talk to loan officer plus her supervisor, Even called Head of Mortgage Division. No body has show any interest to solve the problem. I believe it is against the law. Please look into the problem. 

XXXX XXXX XXXX XXXX @ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Military Mortgage, LLC
State: MN

Complaint narrative:
I want all communication from this company to end. I have repeatedly asked to be removed from the list and I get hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and Transunion has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : 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 2020-10-20 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: EQUIFAX, INC.
State: AL

Complaint narrative:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
No response from each credit bureau, for my disputes

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 2020-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
RE : XXXX XXXX Solutions account # XXXX XXXX XXXX XXXX XXXX bought a JUNK DEBT for an account I had filed not ONE, but TWO proper ID Theft reports way back in XXXX and XX/XX/XXXX FTC report # XXXX ( see attached FTC ID Theft Report ). 
About a year ago XXXX began sending me collection notices for the USAA accounts listed on my ID Theft Report. XXXX of XXXX I sent XXXX XXXX XXXX a CEASE & DESIST request. XXXX XXXX  has ignored that request. I do not owe any debt from USAA and XXXX XXXX is harassing me. I am again requesting for XXXX XXXX XXXX to Please Cease & Desist all communications, unless the communication is to inform me they will no longer attempt to collect on the illegal debt and will not attempt to resale the debt to another Junk collection agency. XXXX XXXX   does have a legal obligation to Also for them to conduct a proper investigation and provide me a report of that investigation including the steps they took to investigate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: WA

Complaint narrative:
XX/XX/20- US Bank has recently decided to close my account, without any reason. My theory is that a month back I had filed suit in which I suspected the bank had wrongfully managed my account. The court did not rule in my favor, I had left it alone afterwards -- if the court said the bank was acting in good faith why pursue it? I feel that because I had exposed a lot of the company 's actions they have decided to terminate my account but because they aren't releasing information about why they are closing my account I am only left to speculate. 

I wish to remain having an account and I feel as though establishing a policy that allows the bank to terminate my account without any reason or for whatever reason is a violation of my Freedom of Choice and my First Amendment Right to choose what bank I can bank with. Of course, I choose another bank but if US Bank is allowed to do it so would any other bank.

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 2020-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: C.Tech Collections, Inc.
State: NY

Complaint narrative:
So I have received the same collection notice about a {$100.00} XXXX XXXX XXXX XXXX bill from CTech Collections and have confirmed with XXXX  I have a XXXX balance under Acct number XXXX. Despite calls to CTech they continue unabated with harassing phone calls and letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My account been frozen since XX/XX/XXXX I received a call XX/XX/XXXX for the first time about my account, I was told that my account would be accessible XX/XX/XXXX still no change or no call. I been operating my business since XXXX with this account this have never happened. Capital One has never done this before and now my business is suffering I just had to pass on a XXXX dollar contract because I dont have the funds to operate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XXXX XX/XX/XXXX I was contacted by a person calling from phone number XXXX. The person asked me if I was XXXX XXXX. I responded yes. The person stated that there was complaint filed against me and she had a sealed envelope. She stated to open the envelope I would need to call the same number back and provide the next person with ref. # XXXX. I called and spoke with a lady named XXXX and provided her the ref. #. She stated a judgement was going to be entered against me for a debt by her company XXXX XXXX and XXXX unless I was able to pay. She then gave me my birthdate and social security number. She stated the amount of {$690.00}. If I was unable to pay this amount they would pursue legal action which could results in increasing the amount, wage garnishment, jail time, and also property forfeiture. I asked where this debt came from she stated from XXXX in XXXX XXXX. I informed her I have never had a XXXX account and also have never been informed of a collection for them. She gave me addresses I have never lived and I told her I have never lived there. I informed her that I was not going to PT this until I received something in writing. She stated they do not provide anything after the formal notifications have been made only after a payment is made on the account. I disengaged the call after telling her I would need to do some research first. I checked my credit reports and there are no accounts listed for XXXX or any collections. I contacted XXXX who stated I have never had an account with them. I checked the website andersonreedporter.com and there is little to no information about this company just a phone #. I believe this is a complete scam but they did have my personal information. I did not give them or verify that it was correct.

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 2020-10-20 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: GA

Complaint narrative:
I requested and received copies of my credit report from XXXX, XXXX and Equifax. I identified multiple violations on all 3 credit reports. All three CRA 's mentioned above report that my DPT EDXXXX accounts are 90 days late when there is not a prior 30 or 60 days late. On XX/XX/2020 I mailed all 3 CRA 's letters explaining the violations, and requested removal of all the DPT ED/XXXX accounts that showed 90 days late without being late 30 or 60 days prior. After 45 business days I again contacted all 3 CRA 's mentioned above, and demanded removal of all DPT ED/XXXX accounts that report 90 days late when there are no 30 or 60 days late prior, because XXXX, XXXX and Equifax did not respond to my disputes in a lawful time frame. I have attached copies of the actual disputes that I sent to XXXX, Equifax and XXXX. Attachments include account names, account numbers and violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B )  ( iii XXXX, which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX/XXXX XXXX   XXXX, XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I have an XXXX XXXX XXXX checking account. I paid with check # XXXX for {$100.00}, my monthly payment to American Express. 

American Express presented check # XXXX to my XXXX XXXX XXXX account and was paid by them on XX/XX/20. Image is available. 

Check # XXXX was also presented to my XXXX  XXXX XXXX account and was paid by them on XX/XX/20. For the same amount, {$100.00}. No image available for this transaction. I am missing {$100.00}. 

Telephoned and spoke with American Express agent. I was told that I would have to contact my XXXX XXXX XXXX agents to get to the bottom of it. I did. I was sent right back to American Express. Now, I am asking you, can you help me?

Company response to consumer: Closed with explanation