vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
There are two fraudulent hard inquiries as well as a credit card opened through synchrony under my name. I have called multiple times and the representatives act like they havent heard about my complaint before. Its been 18 days and I still havent received a confirmation letter. I have o ou received a bill demanding that I pay the {$1500.00} fraudulent credit card bill. I have disputed through the CRAs and none of the information is correct and it hasnt been corrected. Every time synchrony changes my report it negatively effects my score.

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 2023-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ

Complaint narrative:
I requested the following information and it was not provided by the debt collector State the amount of the debt when you obtained it, and when that was. 

If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 
Tell me when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I have XXXX installment loans with Affirm. XXXX in the amount of {$120.00} made on XX/XX/2022. The second one is in the amount of {$72.00} made on XX/XX/2022. 

On XX/XX/2022 I was directly impacted by XXXX XXXX which affected my ability to make payments due to my financial hardship. 

I am reaching out to the company to resolve an issue with my credit report. I have paid both amounts in full and still have delinquency on my credit report due to outstanding amounts and late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: NC

Complaint narrative:
Attention : XXXX credit Bureau And Equifax Credit Bureau : I am providing the additional Information you requested. 

This is my 4th complaint where you have continued to ignore the identity theft report and is making me jump hurdles to Get this fraudulent information off my credit report. 

Per your request I am providing the report Number and the law enforcement contact information of the identity theft report.

Remove : 1. XXXX XXXX XXXX, collections, unauthorized 2. XXXX ( XXXX ) XXXX inquiries, unauthorized This is my 4th complaint filed with Equifax and XXXX and this complaint includes The additional information you requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: CT

Complaint narrative:
I obtained a 0 % card MySynchrony account XXXX months ago when I made a purchase through an affiliated vendor. When I received my first bill, I set up autopay to pay the minimum monthly payment each month. The next month, on the scheduled payment date ( XX/XX/XXXX  ), Synchrony debited my linked checking account for the full balance in my card, causing an overdraft on my account. I tried handling this issue online, but automated service options did not work. I called the customer service center during stated customer service hours ( XXXX XXXX XXXX on XXXX ) and was never put through to a representative after an hour of holding.

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 2023-01-06 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: Southern Credit Recovery, Inc.
State: LA

Complaint narrative:
I had a medical debt in collections from Southern Credit Recovery ( XXXX ). The original creditor is XXXX XXXX XXXX. This debt was paid off and is completely shown as paid/closed on my credit report from XXXX. As of XX/XX/XXXX all paid medical debt should be removed from consumer credit files. The collection account that was paid has been removed from my XXXX and XXXX, but not XXXX. I submitted a dispute with XXXX which was resolved without removing the collection from my account. I then called XXXX and was told that they can not remove this despite guidelines from all three CEOs of XXXX and numerous statements from the white house about this new change going into effect. See statement below : Effective XX/XX/XXXX, all medical collection debt that has been paid by the consumer in full will no longer be included on U.S. consumer credit reports. In addition, the time period before unpaid medical collection debt will appear on a consumer 's credit report is being increased from XXXX months to XXXX year, giving consumers more time to address their debt before it is reported on their credit file. 

These changes precede an additional measure set to occur in the first half of XXXX, namely the removal of medical collection debt with an initial reported balance of less than {$500.00} from credit reports. 

This is adversely affecting me due to having a significantly lower credit score of XXXX on my XXXX account, versus my score of XXXX and XXXX from XXXX and XXXX. This is affecting my ability to borrow from lenders or get approved for apartments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is ( client name ) and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2022, I purchased XXXX tickets with my XXXX Bank of America credit card. On XX/XX/XXXX. 2022, due to trains cancelation my tickets were refunded by XXXX back to my BOA credit card. On XX/XX/2022 XXXX transferred their BOA credit card to XXXX credit card. So my refund went to a closed account at BOA. To this day I have not received my refund. 
XXXX said that BOA accepted the refund and they can not give me a refund and that I have to contact BOA. I tried many times but BOA said that they never accepted the refund from the merchant ( XXXX XXXX Bank if America refuses to investigate my claim and since I am no longer their customer they hang up the phone. 
I have a claim with XXXX # XXXX and also a claim to XXXX, # XXXX. 
To this date XXXX  have not received a refund from BOA since they took over the BOA credit card and my refund of {$420.00} is in limbo somewhere.

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 2023-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I took over payments of a truck. My friend and I did a contract between us. She bought the truck from XXXX XXXX and got it finance through Capital One Auto Finance. I give her the payments through XXXX and she gives them to Capital One.I have not paid the registration since XXXX XXXX XXXX. I don't have insurance as well because the truck was stolen months ago and I couldn't do an insurance claim because there was no insurance on the truck. I did not want to give her money for the insurance because she was not paying for it. Can she take the truck away from me for not paying the registration and not having insurance even if I have gave all payments on time? I uploaded a copy of the contract between her and I. Are these contracts even valid?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: IN

Complaint narrative:
I took out a payday loan with Ace Cash Express located at XXXX XXXX XXXX in XXXX, XXXX  XXXX. I have a payment plan to repay this loan. On XX/XX/ I paid the XXXX payment of this repayment agreement online on the company 's website. I authorized the payment of {$100.00} which was due on XX/XX/. On XX/XX/XXXX  after checking my bank account, I see that Ace Cash Express took another unauthorized payment of {$200.00} from my bank account. I did not authorize this payment. I immediately contacted customer service and the store 's manager. This unauthorized payment has overdrawn my bank account. This company owes me money to fix the overages to my account. I have hospital bills that are set up on autopay from my account and now overdraft fees have been accessed because of this transaction taking the money which was for those hospital bills. This is fraud and theft. The XXXX XXXX for this company is in no hurry to fix this problem, all she gives are excuses and refuses to return phone calls promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
As part of Wells Fargo 's ( WF ) " resolution '' of my Complaint No. XXXX, WF agreed in its Response to my Complaint to pay me {$25.00} in XXXX, 2022. They have never paid me. The {$25.00} is obviously trivial, but this conduct is just more evidence that, no matter how many times WF is punished for fraudulent, reckless and shoddy business practices, they still have no hesitation to make blatant misrepresentations, even to Agencies that are required to regulate WF. I have no doubt that WF will claim its failure to pay me was a simple mistake. However, I ask your Agency to review Complaint XXXX. In my opinion, when viewed together with my prior Complaint, I think the more likely cause is that WF has instituted an XXXX  wide culture and procedure to delay payments of money owed by WF to its customers. I am requesting that WF be ordered to pay me the {$25.00}, and that this additional misrepresentation be forwarded to any Agency investigating the conduct of WF.

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 2023-01-06 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX {$830.00} THIS IS FRIVILOUS AND I CANT GET ANY ANSWERS FROM XXXX XXXX. THEY HAVE LITERALLY BELITTLED ME AND VIOLATED STATE LAWS. THIS DEBT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX has never proved this debt belong to me legally.

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 2023-01-06 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX {$830.00} THIS IS FRIVILOUS AND I CANT GET ANY ANSWERS FROM FIRST PREMIER. THEY HAVE LITERALLY BELITTLED ME AND VIOLATED STATE LAWS. THIS DEBT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX has never proved this debt belong to me legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I  HAVE BEEN A VICTIM OF IDENTITY THEFT. YEARS AGO I WAS ROBBED AT GUNPOINT DURING A HOME INVASION BY 2 PEOPLE WHILE BEING WITH MY FAMILY. THEY GOT AWAY WITH MY SAFE THAT CONTAINED MY PERSONAL INFORMATION, MY WATCH AND CASH. DURING THAT TIME A LOT OF PEOPLE NEAR ME HAD THERE HOMES RUBBED BUT IT SEEMS AS IF THE POLICE WERENT DOING ANYTHING ABOUT IT. THERE WERE NAMES FLOATING AROUND ON WHO IT COULDVE BEEN BUT NO ONE HAD EVER BEEN CAUGHT. IM WILLING TO PRESS CHARGES ON ANYONE CONNECTED TO THIS. REMOVE AND BLOCK THIS FRAUD INFORMATION FROM MY CREDIT REPORT WITHIN 4 DAYS.




FRAUDULENT ACCOUNTS:

Account name
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
I asked my Mortgage lender for a special forbearance plan on my mortgage while i was going to be out of work for XXXX months under going a complete XXXX  XXXX XXXX on XXXX 7,2022..i was told yes this could be done prior to filling out proper paper work and submitting documintation from my XXXX and i completed this and was told to call back on the XXXX of XXXX XXXX i was being pro active in this prior to XXXX and every mortgage agent i spoke with had given me false information leading up to XX/XX/XXXX call..I was told i could pay escrows for XXXX months and this would not affect my credit putting my loan on hold and putting 3 months payments on the back end of my mortgage loan..From what i am now being told i was denied because this is not XXXX related and i would have to re file going into default affecting my credit and that prior to XX/XX/XXXX call everyone has lied to me giving me false information.This is total incompidence in there Dept and not fair to me because i was only looking for a little relief since i only will be receiving short term disabilty at {$450.00} a week minus taxes thus money doesn't go far..Freedom Mortgage has given me the run around and i am not happy with there services and would like some compensation for the mess they have caused...

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 2023-01-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
XXXX just totally refuses to properly launch an investigate on XXXX BY XXXX improper charges on customer master card. 

This request letter is being generated due to an ongoing issue with XXXX XXXX 's vending machine charge. On or about XX/XX/2022, I traveled through XXXX XXXX XXXX to XXXX. I experienced the above-referenced XXXX XXXX vending machine problem at the XXXX XXXX XXXX XXXX The machine did not disperse the selected item. As a result, I am attempting to reverse that transaction charge on my Capital One credit card. It is important to note that no consumer should be expected to pay for an item they did not receive. This type of transaction goes against fundamental consumer rights and is intolerable. 
Also, note, I attempt to contact another XXXX rep from a second phone number XXXX displayed on the machine but at that time this number was not staffed and required that the customer leave a message. At which time, I did. 

I called a XXXX representative at the XXXX number that was printed on the XXXX vending machine. The XXXX representative said she couldn't " disperse '' my money at that time but will investigate it more. I didn't provide the XXXX Representative any other means of contact at that time. She told me to wait a couple of days and keep an eye on my bank account for any activity pertaining to the vending machine purchase. The credit on my Capital One account has not changed, and there is no sign that the problem will be remedied due to not getting the item charged to my credit card, I requested from the XXXX vending machine. I am requesting that Capital One investigate this matter and return a full refund for {$27.00} to my Capital One credit card ending XXXX. 

Affixed to and made a part of this request letter is a copy of the travel itinerary XXXX XXXX, which has a total of three pages, and an image of a phone call log for calling the XXXX vendor operator at XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 

I am confident that the vendor machine purchase will be reversed successfully upon a complete investigate of this matter. If you have any questions or concerns, please do not hesitate to reach out. Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Portfolio Recovery Associates , LLC have violated my Rights pursuant 12 CFR 1006.34 ( c ) and 15 USC 1692. I exercised specified remedy on XX/XX/2022 when I sent notice of debt validation via Certified Mail Receipt to the address on file for XXXX, XXXX 's disputes department. I did not receive a signed receipt back. However, I did notice that they did in fact received my letter and request for validation using USPS 's online tracking software. Shortly after, I received a letter stating that the debt is validated along with statements. XXXX, XXXX failed to provide all of the required documentation pursuant 12 CFR 1006.34 ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
My problem with American Express is that they closed my account and are refusing to issue the balance of that account due to security concerns. When asked about specific reasons or concerns the only answer I was able to receive from them after several attempts was that for the security of their bank and other customers they didnt need to give a reason or any explanation. While this was extremely frustrating, I then tried to recover the balance of the account. They said because of their concerns and reasons for closing the account, which they would not tell me, the only way I could recover the funds was to have the issuing bank the funds came from withdraw those deposits and put them back into the originating account. I still have an account with the issuing bank but they are unable to withdraw the money back from their end. I tried to have the two banks communicate but they would not communicate on a recorded line. American Express refuses to issue a check for the remaining balance. And now four months later I have still not been able to retrieve my remaining funds of that account. The account was opened by myself on or around XX/XX/XXXX and closed by American Express on or around XX/XX/XXXX. I do not have exact dates as they have blocked the online access to the closed account. I dont know what else to do and would appreciate any help you could offer me. Thank you

Company response to consumer: Closed with explanation