vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XXXX, 2021, I submitted a credit application with Synchrony Bank for a Synchrony Home Credit for a mattress set purchase on us-mattress.com for the approximate amount of $ XXXX dollars and about one ( 1 ) year with zero finance charge if paid in full. I was denied. 

Today, XX/XX/2021, I received a letter from Synchrony Bank, XXXX XXXX. XXXX XXXX, XXXX, FL, XXXX dated XX/XX/2021, and that my request was denied for the following reason ( s ) : Credit bureau reports applicant is deceased. 

THIS is an out-right LIE. 

I have a few synchrony bank accounts and my My Credit is IMPECCABLE. 

Furthermore, they " state '' in this letter to me that some information used to make this decision was obtained from consumer reporting agency XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX ; that this consumer reporting agency DID NOT make this credit decision.

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 2021-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ

Complaint narrative:
I have applied for refinancing my primary home on XX/XX/2020 with Amerisave, and I have been providing all the documentation they need. I was told that closing can be done between 30-60 days, and it has been more than 4 months still closing is not done. I called few weeks back and they told me that closing will be done in the 2nd week of XXXX. I called or sent a mail to my loan originator or underwriter but they rarely responded. It looks like they are not interested to give me the loan so I asked them to cancel my application so I can start my loan somewhere else. I sent them mail and to send me the confirmation but not received. 

I want to file a complaint against them if they don't want to give me loan then why did they start the process, and wasted my time. I could have applied from somewhere else =, and could have got the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Kinum, Inc., Indianapolis, IN Branch
State: PA

Complaint narrative:
I have a collection charge from a collection agency call KINUM I have no recollection of ever opening up this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: NJ

Complaint narrative:
Equifax erroneously put a derogatory account on my credit report on XXXX XXXX ... called XXXX XXXX ... I have been complaining to Equifax that XXXX XXXX is disclaiming the derogatory account. I am enclosing my communication to the Equifax CEO who is completely ignoring my request, and I am enclosing XXXX XXXX to the Consumer Finance Protection Bureau. XXXX is clearly disputing that they are responsible, so that derogatory account should be removed from my Equifax immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc.
State: MO

Complaint narrative:
We received letters dated XX/XX/2020 from GM Financial on XX/XX/2020 indicating that our application for credit was declined. I have attached these letters. I have requested the reasons and backup documentation for this declination five times, beginning with the first letter to them on XX/XX/2020. The last request was in a formal complaint to them on XX/XX/2020. The five contacts I have made attempting to get the required information from GM Financial are outlined in the XX/XX/2020 complaint. I have attached the verbiage of this online complaint. 

I have also attached the postal evidence that GM Financial received my two mailed, hard-copy requests. In addition to these three contacts with GM Financial regarding this matter, I also outlined the problem in a customer service feedback form to them online and spoke with a customer service representative over the phone ( who told me he could give me no further information ). 

In spite of GM Financial 's requirement to provide this information under the FCRA, all five of my requests have gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
Square Inc. owns Cash App. 

Cash App stole from me. 

Cash App charged me twice for one order that I made with the XXXX XXXX that is linked to my Cash App account. 

On Sunday, XX/XX/XXXX, I had made a XXXX order with a total of {$28.00}, but I had a XXXX XXXX on my XXXX XXXX for {$5.00} off XXXX. So, Cash App notified me that the discount was applied, and the final total was {$23.00} however, it was actually not applied ... 

On Tuesday, XX/XX/XXXX, I get a text from Cash App at around XXXX CST about a XXXX  order that was {$28.00}. 

Unbeknownst to me, my Cash App account had gone into the negatives because of this sudden {$28.00} charge that I did NOT authorize. I thought my order was {$23.00}? 

Hours later on Tuesday evening, I notice my account is in the negatives, and I look at my transaction history. I see that Cash App charged me twice for XXXX for the same order. Sundays transaction was {$23.00} with {$5.00} XXXX XXXX Applied as a note ( but it was not applied ). Tuesdays transaction was {$28.00} which was the actual amount of my Sunday XXXX order. I checked my XXXX order history to see if they charged me twice but NOPE! Cash App did. 

However, I would then wait for a day to see if maybe it was a mistake on Cash Apps end, and my money might be back there tomorrow NOPE! 

Nothing refunded. 

So, late Wednesday evening on XX/XX/XXXX, I sent Cash App a support request for a refund. 

Around midnight on Thursday, XX/XX/XXXX, Cash App sent me an automated email response to my request informing me to send over numerous information that mostly pertained to the merchant as if its the merchants fault for this. It is NOT. 

An hour ago, today on Friday the XXXX, I told Cash App that I am not sending anything and they need to send me my refund. Cash App had a lawsuit filed against them for making a user send over all that stuff for a refund only to receive no resolution at all. ( The court ruled in the users favor as well ). 


XXXX ; Cash App owes me money for charging me twice on one XXXX order. They owe me {$23.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: AR

Complaint narrative:
I received a letter from Sequium Asset Solutions , LLC that was dated on XX/XX/XXXX. It claimed that it was tasked with collecting debt from XXXX XXXX XXXXXXXX XXXX XXXX for {$110.00}. I have never been to that doctors office so I do not know why I am receiving this bill. I sent a letter requesting them to prove that I actually owe this amount of money on XX/XX/XXXX. They never responded. However, they added the debt to my credit report on XX/XX/XXXX. I do not believe that this debt is mine, nor do I believe that it should've been added to my credit report since they never validated my debt in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: HILLTOP HOLDINGS, INC
State: TX

Complaint narrative:
On several occasions, this company has called 2-3 times back-to-back. They call when I am at work, and when I send the call to voicemail, they will simply call back, 1-2 more times at least. 

Most recently, they sent me notification about my debt in an open letter format. This was done by placing a door tag on my door notifying me that they were trying to collect on a debt and to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dealing with the Post-divorce litigation, through the subpoenaed 53rd Bank records of my ex-husband, I have come to learn that the IRS refund check n the amt. of {$3400.00} on XXXX was deposited into his PERSONAL acct. without my knowledge, presence and endorsement. 
Deposit was made by my ex-husband 's wife. She's signed it " Deposit only '', and deposited it into HIS PERSONAL account. She perfectly knows who I am, and that the check must have been endorsed by me, and it would have to be a " Joint acct '' of me and my ex-husband ( it is NOT ). 
53rd Bank has failed to adhere the rules, and accepted the deposit. 
I have called the 53rd Bank branch, who accepted that deposit, and talked to the personal banker, who told me to call their Dispute and Legal Dpt. I've tried to contact 53rd Bank Dispute Dpt., but did not get any help from them - I have been transferred several times and talked to several people, at the end telling me to go to the branch and deal with the manager, who I've set up the appt. with on XXXX. 
Please, HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Date of hard inquiry should be removed pursuant to attached letter. Letter indicated fraud, please remove inquiry from XX/XX/21 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 non-monetary relief
Consumer complaint received 2021-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I had fraud on my AmexServe prepaid debit card. I was a victim of some type of skimming device. On XX/XX/21 someone stole {$500.00} in ATM withdrawals from my account. I contacted amex immediately. They canceled my card, which was in my possession at the time of the fraud. I put in a dispute three times and they denied my claim every time. I went to the police. I got a police report. I even reached out to one of the store merchants where the theft took place and they gave me still footage of the person who tried to conceal their identity. Amex still said I authorized the transaction. I was in XXXX XXXX, NY with the card in my possession and the theft took place in XXXX, NY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: IA

Complaint narrative:
EOSCCA claims on my credit report that I opened my account Opened XX/XX/XXXX ( 2 yrs, 5 mos ) account has continuously been re aged to stay on my credit report. the account was opened XX/XX/XXXX company kept claiming my bills weren't being paid so I went to a new wireless provider a couple months later. I had my final straw when the company and made two large payments at the XXXX XXXX  location with the manager who claimed {$180.00} payment from my card would pay off the phone so that I could close out the account. I was asked to register for a new account online which did not reflect the amount I made at the XXXX XXXX  store because I used a different email address then the one they assigned to my phone automatically. The stores were independently own so records were never accurate. which forced me to close the account because I was constantly receiving notifications I had not made payments and each month the charges were in excess of XXXX for a phone that had a {$50.00} phone plane. I've made several attempts to ask the account to be accurately aged. I provided them receipt numbers for the receipts I do have still in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This is not a duplication of case number XXXX. This complaint has new information. 

I am following up on complaint number XXXX. My initial complaint was reviewed by Chase, and in its summary report, the credit card company stated that the money charged to my credit card for a service I never received was in hands of XXXX XXXX. Chase didn't help me with getting that money back from XXXX XXXX. I've tried calling them a few times, being sent to a voicemail each time I called the agent who worked on my case. I then called XXXX XXXX to request the refund for the flight reservations. The Customer Relations agent stated that since I purchased the tickets through XXXX, the money should be refunded by the agency. ( attached a screenshot from that email ) I then called XXXX. After looking into my reservation, the XXXX agent told me that the agency sends money to the airlines after holiding it for only 24 hours, and that now the money is with the airline. ( attached a screenshot from that email ). I then contacted the XXXX XXXX Customer Relations department once more. The lady I spoke with said that she only sees the original charge and the chargeback on my reservation. She said that the money Chase claims XXXX XXXX received on XX/XX/2020, was never posted to the reservation, which was the reason for the cancelation of the service. She said to contact Chase and ask for a tracking number of the rebill transaction. I tried calling Chase, but I never received a callback. At this point, I have all three parties, Chase, XXXX XXXX, and XXXX pointing at each other and saying the other party has the money and should refund it to my account. All I know is that I was charged {$380.00} for a booking that was canceled and for a flight that never took place, as XXXX XXXX canceled that flight. The travel party I was going to travel with received their refund within a week, I have been trying to since XXXX of last year. Can you please help with locating this money? Who has it and why no one owns up to it and won't refund it to my credit card? It is not only illegal but also morally not right to be charged for a service that never took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have been receiving notices from two debt collectors, XXXX ( XX/XX/XXXX ) and then XXXX XXXX  ( XX/XX/XXXX ), about an amount of {$340.00} which I supposedly owe to Synchrony for purchases made in XXXX at Belk, on Belk Reward MasterCard XXXX. I do not own that card and I have a different account number with Belk. I even received a notice from something called Synchrony Bank saying that this account was sold to XXXX XXXX on XX/XX/XXXX. 
I keep records of all my payments and I know that I have paid off my debts in a timely fashion. I owe nothing, this is the XXXX Statement record ; Statement date XX/XX/XXXX : total billed XXXX ; I paid XXXX on XX/XX/XXXX Statement date XX/XX/XXXX : total billed XXXX ; I paid XXXX on XX/XX/XXXX Statement date XX/XX/XXXX : total billed XXXX : I paid XXXX on XX/XX/XXXX Statement date XX/XX/XXXX : total billed XXXX : I paid XXXX on XX/XX/XXXX Statement date XX/XX/XXXX : total billed XXXX ; I paid XXXX on XX/XX/XXXX This must be a scam.

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 2021-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: CA

Complaint narrative:
The original debtor is XXXX XXXX XXXX. I contacted XXXX XXXX XXXX last year on XX/XX/2020 to cancel my wireless service to switch to XXXX. I was told to pay {$800.00} by XXXX XXXX XXXX to unlock the phone and settle the final bill. I paid the {$800.00}, and requested to cancel and Immediately discontinue wireless service as of XXXX XXXX. XXXX XXXX XXXX explained that it would take several days before they could close out my wireless account to make certain that my {$800.00} payment would go through, however on XXXX XXXX XXXX XXXX XXXX 's internal auto paid ( overcharged ) and billed me for wireless service {$73.00}. 

*** See attached XXXX bill as proof that XXXX had control of my wireless account as of XX/XX/2020, but XXXX XXXX XXXX charged me regardless*** I called XXXX XXXX XXXX on many occasions to reverse the charge. I had signed up for XXXX XXXX XXXX auto billing and they had taken the {$73.00} without permission on XXXX XX/XX/2020. After Speaking to several very confused XXXX XXXX XXXX customer service reps to correct the overcharge, who couldn't explain or understand the overcharge, I had no choice but to contact my bank to reverse the overcharge. XXXX XXXX XXXX SAYS MY CREDIT CARD WAS REJECTED WHICH IS NOT CORRECT. I INSTRUCTED MY BANK TO REVERSE THE CHARGES DUE TO THE XXXX XXXX XXXX SYSTEM AUTO PAY OVERCHARGE. 

XXXX XXXX XXXX claims this charge is for internet ( XXXX ) which is listed in XXXX XXXX XXXX  systems internally and incorrectly. I cancelled my XXXX Internet service with XXXX XXXX XXXX in XX/XX/2020, four months prior to XX/XX/XXXX. XXXX was intertwined with my wireless service as a bundle promotion, which is the core issue with their billing algorithms and system. 

*** See Attached XXXX XXXX XXXX bills showing that my home Internet service was not with XXXX XXXX XXXX in XXXX XXXX The bottom line is XXXX  XXXX XXXX has listed this account incorrectly and has over billed me. No further bill should had been generated. I owe nothing, but the debt was sent to the collection agency ( MRS BPO ) nonetheless.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22 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: IL

Complaint narrative:
I HAVE DISPUTED THESE ITEMS WITH ALL 3 BUREAUS AND HAVE NOT RECEIVED ANY RESPONSE OR RESULTS, BY LAWS OF TH FCRA IF THE BUREUAS ARE FOLLOWING THE SAME LAWS AS YOU, THIS SHOULD NOT HAPPEN. PLEASE ASSIST IM ATTACHING, DRIVES LICSENSE UTILITY BILL SSN, AND FTC IDENTITY THEFT REPORT. 


THIS IS CAUSING MY FAMILY SO MUCH FINANCIAL STRESS **************ATTACHED IS A LETTER FOR EACH CREDIT BUREAU******XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, I submitted a credit application with XXXX XX/XX/XXXX for a XXXX XXXX XXXX for a mattress set purchase on XX/XX/XXXX for the approximate amount of $ XXXX dollars and about one ( 1 ) year with XXXX finance charge if paid in full. I was denied. 

Today, XX/XX/2021, I received a letter from XXXXXX/XX/XXXX, XXXX XXXX. XXXX XXXX, XXXX, FL, XXXX dated XX/XX/2021, and that my request was denied for the following reason ( s ) : Credit bureau reports applicant is deceased. 

THIS is an out-right LIE. 

I have a few XX/XX/XXXXaccounts and my My Credit is IMPECCABLE. 

Furthermore, they " state '' in this letter to me that some information used to make this decision was obtained from consumer reporting agency Sagestream , LLC, XXXX XX/XX/XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX ; that this consumer reporting agency DID NOT make this credit decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld Systems appeared on my credit reports in XXXX. I have never received a letter, phone call and even after calling them, no documents to support the balance they said I owed. 60 days later, still nothing. 1 credit bureau deleted them, the other bureau updated it. The dispute was conducted both on the same day. The collection will be removed XX/XX/21. In the meantime, they are reporting what seems like every day. They are being vindictive and have nothing better to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
PayPal let a fraud transaction go thru. I called them and they scammed me into their policy by purchasing gift cards using my checking acct scam me out of XXXX. I followed the policy like a XXXX. I have names email etc. they downloaded XXXX XXXX and XXXX XXXX onto my cell phone. Had me drive to XXXX to purchase XXXX. XXXX in gift cards. I used XXXX from XXXX also because he said there was a error on their part and refund the money. It never happened.

Company response to consumer: Closed with explanation