vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-01 00:00:00
Product: Credit card — Store credit 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: NJ

Complaint narrative:
The issue with the payment over Synchrony ( TJMaxx ) and PayPal continues, since I could not get any email answer over my missed transaction. I am not sure whether the transaction was cancelled or not, since I found out the charges of same amount on the same day, which was XX/XX/XXXX. And I found out that second 'authorized ' transaction after I had the chat conversation. I want to know whether this chat representative added this charge {$58.00} while we had the chat conversation, since she could check the transaction history, and stating these two transactions would be void. Can you imagine this frustration, irritation, and anger, since it just started to know whether the transaction of original order ( XXXX order # XXXX ) was cancelled without consent of mine? Where is the human right of consent over credit card/online payment system in the United States ? Especially, I ordered this multi-box XXXX XXXX XXXX XXXX to make sure enough ink to finish the paper works to proper file to the District Court in XXXX, NJ. This document of file was sent from the Clerk, and I finished it with difficulty since I did not know what it was. Therefore, I must have the right to ask the repayment of all costs including the postage, paper, ink, envelop, pen, tapes, clips, and other necessary shipping and filing costs, along with human cost ; that mean the hour payment to file these disgusting cases and disputes over XXXX cases less than half year of XXXX. 

I attach the added part of the letter to XXXX. XXXX XXXX. 

XXXX XXXX XXXX, XXXX, MA XXXX Dear sir, I have an issue with the charge of a credit card, which transacted through PayPal payment system. Even though I am not sure whether your company online payment system has had the serious issue or not, which caused the delay of transaction system more than XXXX hours and cancelled my transaction without consent, I included all process to file the complaint to Consumer Financial Protection Bureau to express my concern, frustration, and anger over my missed product of your company without any explanation and answer over email, which I am supposed to receive as a right of consumer. I add all starting letter below to indicate the issue with Synchrony.com.

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 2024-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
Truist bank has allowed for {$2500.00} to be stolen from my personal money market account and when I filed a dispute the rejected my dispute without even doing a real investigation and I also provided a police report but the lady was being so rude.

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 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I keep having inquiries on XXXX XXXX  from chase. In XXXX and XXXX. I have called them at least 10 times. They confirmed the inquiries are fraud. Said they will remove and send out identity theft kit. 6 months later. Nothing. Nobody XXXX XXXX XXXXXXXX there. I didnt apply for any accounts there. They have acknowledged. Listen to the recordings. They say they will fix and do nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : The following account is not mine : XXXX XXXX XXXX, Account Number : XXXX Please remove it from my credit report. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.

Thank you,

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 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : The following account is not mine : XXXX XXXX XXXX, Account Number : XXXX Please remove it from my credit report. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.

Thank you,

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 2024-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Under the reference ( 15 USC 1681c2 ) they did not provide documents ive requested with multiple attempts to resolve the issue for the following account listed below. ( PORTFOLIO RECOV ASSOC )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc.

Complaint narrative:
After speaking to Blockcain support i made a withdraw of my funds and i cheaked the adres, but went to a different adres. And i cant see the funds not anymore in my account. 

The adres it went was XXXX I think it's a blockchain adres, but they can't tell me and let me now i can see it on XXXX scan. 

But it was with them i had the contact, but the don't want to help me to find out or refund my asset. 

The transaction ID was XXXX Could you find out it was a scam onder the name of blockchain support or was it realy this compagne? 

It was a suptational amout of XXXX coin XXXXXXXX XXXX so i hpoe you can help me out?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: MS

Complaint narrative:
illegal conduct doing covid-19 pandemic us 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 2024-01-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: TN

Complaint narrative:
I disputed this company date of debt with XXXX, This company maintained that the date of debt was on XX/XX/2023. I had proof that a different collection agency had the debt listed starting back in XXXX XXXX. It is for the same amount & original creditor XXXX. The debt was removed from credit report for a couple months then reappear with This company stating it was new debt to which it is not. They are changing the date to change the statue of limitations in my state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I sent my FTC report and license to Experian, XXXX, and XXXX. I am following to correct steps to report identity theft. I have fraudulent accounts reporting on my consumer 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 non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
I have 3 different student loans that were given/sold to Mohela and are now being processed through the company. I have tried reaching out to ensure my auto-debit payment reflects all three accounts. It should be a total of {$300.00}. However, the first time they were supposed to process the payment, they did not, making it late. I had to call and make a payment. Looking at my account, the called-in payment was posted but did not pay all three accounts. This payment was not needed because my account was put in forbearance. I am frustrated because I have received many messages that say different payment amounts, different pay dates, notices that do no have enough time allotted, and forbearance enrollment. I have tried to call and sat on the phone for 60+ minutes to have the call disconnected. I am frustrated with the process. I am so close to meeting the requirements for PLSF, I do not need a company that is overwhelmed, mess things up for me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES , LLC, " PRA '' Has again violated federally protected consumer rights. " PRA '' has failed to respond to my debt validation letter. I have requested the Audit trail, Account ledger, Forward flow agreement, Chain of title, Valid contract and their power of attorney over original creditor, to which they have defaulted on all 7 requests. Further more " PRA '' has openly admitted in their communication that they have purchased my personal information, which does not grant a " third party '' to do so, pursuant to 15 USC 1692 ( a ) Abusive Practices. " PRA '' has also violated 15 USC 1692f ( 8 ) and utilized symbols and logos on their communications with me, exposed to anyone who handles mail, allowing anyone to know that a " debt collector '' is communicating with a consumer. Being that the consumer is the original creditor, " PRA '' has never requested from me to obtain my personal identifiable information and is now in violation of 15 USC 1692d - Harassment or Abuse. Please be advised that these are NOT the only violations within their correspondence. " PRA '' and XXXX XXXX, of the disputes department, will be held liable in federal court, within jurisdiction, if they do not cease communication with me, cease communication with ALL consumer reporting agencies and delete my records from their filings. Attached to this complaint is my cease and desist letter and another copy of the debt validation letter that they have failed to respond to adequately. Again, there is NO CONTRACT WITH " PRA '', an alleged " debt '' is not and will never be required to be paid if there is no contract or a third party debt collector has not sufficiently responded to a debt validation letter. Again, you do not have permission to acquire my personal information, only the original creditor. I am the original creditor and I never gave you permission. I reserve my right to file suit, without recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AR

Complaint narrative:
I filed a dispute on XX/XX/XXXX with Chime about 3 transactions for {$110.00} that were not as described and defective merchandise. On XX/XX/XXXX Chime sent me a email denying my claim. I believe that they violated my rights as a XXXX cardholder. XXXX 's Chargeback Management Guidelines for XXXX  Merchants Section XXXX Reason Code XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
On XX/XX/XXXX credit card ending in XXXX and one other was paid off in full then on XX/XX/XXXX new charges started showing up on this credit card. I sent Sychrony Bank a letter that I never reopened this credit card and this was ID Theft. Then in XXXX I started to get collection letters and phone calls trying to collect on this credit card first by Resurgent and at the same time by XXXX XXXX XXXX and XXXX Funding. I sent them the payoff letter and the ID Theft letter. All they sent back was a copy of an invoice that was four years old and had an address on it that I had not lived at for seven years. I even requested from them under the FTC guild lines of ID Theft to provide the required information. They never did reply. I also asked them to remove this information on me from the credit report companies that they had reported this to, they refused. Then on XX/XX/XXXX XXXX XXXX hired XXXX XXXX XXXX XXXX XXXX to file a claim in small claims court. Again I asked XXXX XXXX to provide the requested information under the FTC ID Theft guild lines. XXXX XXXX refused. We went back and forth in court paper work then in XXXX of XXXX XXXX XXXX by XXXX XXXX request that this case in small claims to be Dismissed and the court did a dismissal order. Again I asked them to have this information on me removed from the credit report companies that this had been reported this to, they refused. The court requested the same information that I did and they could not provide it. This was a fraudulent law suit knowing that they had no proof to back up their case and this was ID Theft from the start. In XXXX XXXX, XXXX, XXXX XXXX and XXXX all had data breach. XXXX bank was the company that issued the credit cards for these companies.

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 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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