vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony bank XX/XX/XXXXcredit card was applied on XX/XX/XXXX, for the promotional reward of {$150.00} when spend {$500.00} or more within 30 days of account opening. 

Numerous inquires have been made since the XXXX statement, requesting for the {$150.00} credit on the statement, and the responses have consistently been " ... will show up on the next statement. '' Received a letter from Synchrony Bank, dated XX/XX/XXXX, stating that " ... the statement credit in question will appear on your billing statement within 1-2 billing cycles ... '' On XX/XX/XXXX ( after 2 billing cycles ), contacted the bank and spoke with the Supervisor ( XXXX XXXX, as a result of not seeing the {$150.00} credit. She had indicated that the credit did not appear on the statement because I have a {$0.00} balance in the XXXX billing cycle. The reward credit will appear in XXXX 's statement, only a balance is generated within a billing cycle. I mentioned that I have never heard of this process before, and XXXX repeatedly said " ... this is the way we do it ... '' It should be noted that the this particular process was also confirmed via chat with a representative on their website. 

On XX/XX/XXXX, contacted that department again just to confirm the credit upon a purchase on XX/XX/XXXX. I was told that I am not eligible for the reward program ; however, a request has been submitted for further evaluation on 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 monetary relief
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Finance System of Richmond, Inc.
State: PA

Complaint narrative:
ORDER- I am demanding extinguishment and a full accounting for both ledgers as i was never given full disclosure of the nature and cause NOTICE OF DISPUTE Dear [ CFPB ] : Thank you for the statement of [ XXXX, XXXX ] that your institution recently sent me, expecting payment for an alleged debt. 

This Notice is to confirm that your claim is disputed under 15 USC 1692 et seq. Please verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration or material alterations, and that the original lender provided value. Further, that the alleged account was transferred in good faith and by the consent of all parties involved. 

After reasonable inquiry I have concluded that [ FINANCE SYSTEM ] is in breach of the alleged agreement. The following facts support my position in this matter : 1. XX/XX/XXXX ] failed to disclose to the alleged consumer XXXX XXXX XXXX XXXX XXXX hereinafter consumer ) that XXXX XX/XX/XXXX XX/XX/XXXX used consumers note, capital, funds, money or money equivalent to fund a note, check or similar instrument that was used to fund the charges on the alleged account, whereby [ FINANCE SYSTEM ] did not perform under the agreement and risked nothing of value. 


XX/XX/XXXX FINANCE SYSTEM last reported XX/XX/XXXX open balance : {$190.00} original creditor :XX/XX/XXXX account status : open opened : XX/XX/XXXX FINANCE SYSTEM Last reported XX/XX/XXXX open balance : {$140.00} opened : XXXX XXXX account status : open Original creditor name :XX/XX/XXXXXXXX XXXX XX/XX/XXXX FINANCE SYSTEM OF RICH XXXX Original Creditor XX/XX/XXXX XXXX XXXX Account Type : Collection Department Status Date : XX/XX/XXXX Balance : {$140.00} Balance Updated : XX/XX/XXXX Original Balance : {$140.00} Date Opened : XX/XX/XXXX FINANCE SYSTEM OF RICH XXXX Original Creditor : XX/XX/XXXXXXXX XXXX Account Type : Collection Department Status Date : XX/XX/XXXX Balance : {$190.00} Balance Updated : XX/XX/XXXX Original Balance : {$190.00} Date Opened : XX/XX/XXXX I had removed these before but they somehow got putt back on my report i have no knowledge of these accounts please cease all things that are against me CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
Hey, I realize that things happen n a person life but it was uncalled for when I was told I should have not gotten the loan if I could not pay for it, n I humble said that none of us new that we would be going through such of things. I felt disrespected and disappointed as if I was being classified.

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 2021-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
SONY CREDIT CARD COMMENITY BANK CARD Payment was on AutoPay every month. Was told that since the Sony Credit Card as switched banks AutpPay was not set up with new company and as a result I am being charged late fee and finance charges mounting {$29.00} & {$18.00} respectively.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Trans Union is wrongfully reporting a bankruptcy to creditors ( used to deny credit to me ) from a bankruptcy from XXXX XX/XX/XXXX that was removed from other agency credit files on XXXX XX/XX/XXXX and currently does show in Trans Union Public Records area in my credit file. However somehow Trans Union is still reporting the Bankruptcy to creditors as shown on credit denial from XXXX XXXX XXXX XXXX attached ) from XXXX XX/XX/XXXX which clearly shows their reason for denial was " Your credit reports reflects a bankruptcy '' as provided by Trans Union. 

Why is Trans Union reporting a bankruptcy almost 11 years later? How is Trans Union providing this information to creditors ( XXXX XXXX XXXX XXXX when Trans Union itself does not show a bankruptcy in Public Records? What other means is Trans Union using to wrongfully report this bankruptcy to creditors?

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 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On my credit reports there is a closed account with huge amount of missed payments. BEST BUY/CBNA Opened XXXX. XXXX, 2011 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX XXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.

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 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On my credit report they show i have 10 late payments on my account and i had only three and the three has been corrected by the company and they have not changed the report and my scores this has been going on for 6 months. I have missed offers on buying a house due to the lack for urgency to fix the problem. They keep saying verified and i talked to the companies and they said they have corrected with the credit bureau. 
They also have a bankrupcy on my account that was not varified by the courts and i ask them to remove it from my report. I sent verfication i has one agency remove but the other two refused. Which caused me to miss out on my getting loans for a home and my car interest rate higher than anyone else with my credit scores.

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 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On my credit reports there is a closed account with huge amount of missed payments. JPMCB - CARD SERVICE Opened XXXX XXXX, 2017 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JPMCB - CARD SERVICE has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: AR Resources, Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I paid an outstanding medical bill to XXXX XXXX XXXX of {$640.00}. 
They then informed me that a collection agency had the account. I called AR Resources and informed them the bill was paid. They took my info and verified with XXXX XXXX that the bill had been paid. They told me it would take a couple weeks to update on credit report. It is still on my report as of today as outstanding. I have called and left voicemail several times in the last few months with no return call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Access Credit Management, Inc.
State: AR

Complaint narrative:
Original creditor writeoff my debt and sold my account to this collection agency after they were already settled. Collection is trying to recoup funds from me now that arent owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
I have a debt from the XXXX XXXX  XXXX that was paid in XXXX of 2020 by deposit at a XXXX XXXX branch. The company ideal collection services has placed the debt back on my credit report despite having a record of the deposit. The debt was for XXXX dollars. I paid XXXX, they have made no effort to contact me regarding this debt. Attempts to contact them has resulted in them hanging up on me and them demanding that I provide them part of my social security number by unencrypted email. I have offered to visit in person with photo ID and they declined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a letter on XX/XX/XXXX regarding unknown and inaccurate information on my credit report. As of this date XXXX XX/XX/XXXX XXXX, which is 60 days later, I still have not received any response. I am under the impression my disputes are being ignored and/or disregarded ; and feel as if I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the XXXX  data breach whichmay have gotten into the hands of unauthorized individuals.

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 2021-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Delta Outsource Group, Inc.
State: MA

Complaint narrative:
A an agency called Delta Outsource Group claims they are collecting a debt for XXXX XXXX  - XXXX. However, I settle that debt with another debt thru a consolidation company called XXXX XXXX who negotiated a settlement, which included decreasing the balance, with XXXX XXXX and another company. I paid XXXX XXXX approximately {$250.00} per month for 2 -3 year, ending in 2016, with which XXXX XXXX paid the XXXX XXXX and the other company 's attorneys and told me not to reply to those companies when they contacted me. I did as they said then the debts was settled. I still have records of my payment information with XXXX XXXX. 
Now Delta Outsource Group claims I owe the approximately $ XXXX that was already paid thru XXXX XXXX. Delta Outsource Group claims that doesn't show in there system. If they continue to try to collect money from me I will go to court with this issue. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unifin Inc.
State: FL

Complaint narrative:
I received a notice to collect a debt from UNIFIN for XXXX forb {$5500.00}. Current creditor XXXX XXXX XXXX, That amount seemed very high so when I called they said it was from 2008 so I asked why have I not received any bills or collection calls, they said they had been sending bills to:XXXX XXXX XXXX XXXX XXXX Florida XXXX. That is not my address! Then I went on the credit bureau I saw this address on XXXX  & XXXX. I lived in XXXX in XXXX but not at the address above. I lived XXXX of XXXX, from what I can remember I lived near XXXX XXXX XXXX, the address above seems to be closer to the XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am writing to SYNCB/ROOMS TO GO ( Opened XXXX XXXX, 2018 ) agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting SYNCB/ROOMS TO GO agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lending Club Corp
State: CA

Complaint narrative:
LENDING CLUB CORP- Account number XXXX*is reporting on my credit report. I have been a victim of identity theft and have sent documents to Lending Club proving that I am a victim along with copies of my credit reports, identity theft affidavit and police report. They have failed to respond. This account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/2020, a transaction was made for {$460.00} from my checking account. The transaction was made through a vendor I have used in the past, XXXX, but was not authorized by me. It was a money transfer to an account that I am unaware of, have no relations to, or ever gave permission. It was a fraudulent charge so I called chime and cancelled my card and requested a new one. I filed a dispute twice and was denied because they claim there was no error. I contacted XXXX XXXX  and they confirmed that my account never made the transaction. This is 100 % a fraudulent charge and I believe if the problem was actually investigated and the account receiving the money was looked into, it would prove that I did not authorize any transaction. I have not even received an explanation as to why I am denied my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Several years ago I needed a credit report and noticed that an XXXX XXXX account was in my name and shown as delinquent. The account was opened in 1988, three years before I was born. I went through a process to remedy the error and I believed they took care of it. Recently, I sought to obtain a new credit report with my FICO score from XXXX and I saw that my score was being hurt by a write off of an account opened in 1988. After further investigation, it appears that there was more than one account opened in 1988, both through XXXX XXXX. Either they remedied one account, but not the other when I went through this process the last time, or they wrote off the account thinking that this was a solution to my problem but the write off is still impacting my score negatively. I don't know how these accounts could be in my name before my name existed in the Universe, but alas, such is the case. I'm trying to apply for a new rental to move and this could greatly impact my chances.

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 2021-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants and Professional Bureau, Inc.
State: AR

Complaint narrative:
Original debtor sold my account to this collection agency after they filed insurance and they would not pay them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am writing to SYNCB/SYNCHRONY MAST ( Opened XXXX XXXX, 2017 ) agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting SYNCB/SYNCHRONY MAST agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation