vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-18 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: VA

Complaint narrative:
Synchrony oversees the XXXX Mastercard, which gives high reward points for XXXX  spending for US merchants in US dolalrs and lower amounts for other spending. I use this card solely for XXXX spending. Per XXXX, I have purchased solely from US merchants and in US dollars in the last month ( statement for XX/XX/2020 ). Synchrony claims that some purchases are outside of the program rewards, but there is no evidence for this. The supposed dollar amounts spent outside of XXXX  do not align with any purchases made in the past month.

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 2020-04-18 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: LEXISNEXIS
State: IL

Complaint narrative:
To Whom It May Concern : This letter is regarding US BKPT CT IL XXXX XXXX, which is being reported to credit reporting agencies without verification. This is a formal notice that your reporting is disputed. If verified, please provide the Method of Verification. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) these items as reported. Please note that a report, a printout, or an employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

It is unethical not to mention illegal for you to use my information to update erroneous information provided to you. Asking for additional information is a well-documented tactic of LexisNexis. The public record and my demographic info is what is needed as per other complaints to your company. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for this public record, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the item/items, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this letter is a violation of the FCRA and will result in small claims legal action against your company at my local venue. 

You will be required to appear in a court venue local to me, to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity and accuracy of the alleged bankruptcy and a dispute to the validity of your claims. 

Please do not send me a letter with the contact information of the court they dont report to LexisNexis or any other agency. Since you are reporting this item it is your responsibility to validate all aspects of it. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My husband and I submitted an application to refinance our home on XX/XX/XXXX. Our loan officer notified me on XX/XX/XXXX that he was unable to get my Equifax score and could not continue with the loan process until he could get it. On XX/XX/XXXX I called Equifax for the first time to resolve this issue because since I wasnt able to retrieve my score or report on their website. Their automated system told me that they couldnt find me after I entered my social, birthday, address number and zip. The line then immediate says goodbye. I emailed customer care, I have called back at least 3 days a week, and I mailed them a dispute with all of my identifying information on XX/XX/XXXX via certified US mail. They received it on the XXXX. On Monday, XX/XX/XXXX someone named XXXX with Equifax customer care returned my email and told me that my case was escalated and someone would contact me by XX/XX/XXXX. No one called or emailed me to resolve this issue. We are at a standstill on our refinance because Equifax will not respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
OnXX/XX/2018, Mr. XXXX, was contacted by a Debt Collection Law Firm, " XXXX, XXXX, XXXX '', in regard to allegations he defaulted on credit card agreement with Capital One. On XX/XX/2018, Mr. XXXX, who is without knowledge to confirm or deny the debt, contacted the Debt Collector to say that all communications must be in writing through certified USPS Mail. The notice was signed for by XXXX XXXX, on XX/XX/XXXX. The USPS tracking number is : XXXX XXXX XXXX XXXX XXXX. After the Debt Collector failed to sue Mr. XXXX, in XXXX XXXX XXXX XXXX, in XXXX, Ohio, on XXXX, XXXX, XXXX, XXXX XXXX, faxed the Debt Collection firm to assert they cease and desist all communications and debt collection activity, via facsimile. 

However, to this day, Capital One, continues to contact Mr. XXXX, through e-mail, in spite of the notice to cease all communications, and only communicate through USPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: Comerica
State: SC

Complaint narrative:
In XXXX of XXXX on the first my SSI benefits went on to my Direct Express card in about XXXX to XXXX a.m. LOL thresh transaction was made taking {$400.00} of my benefits and I only receive {$520.00} a month I went through all the steps by reporting and everything that I had to do I did that day that the money was unauthorized and taking off or out of my account. Then XX/XX/XXXX XXXX XXXX who is the answering service for customer service for Direct Express froze my Direct Express card that's the card that most people with SSI get their benefits deposited on I can not reach a live person I've even wrote to the oig US Treasury various people their social security department I've tried to reach condo and services which is the customer service number you have to call for Direct Express for any problem I can't even get anything to happen those companies along with Comerica Bank who holds all the money for the US Treasury for social security had or have civil lawsuits against them some people are having luck with getting their money back but I can not reach a person on the phone I need to have the account unfrozen and having a card sent to me and on XXXX there are groups for victims of direct express XXXX XXXX in Comerica Bank that I'll talk about their experiences some people have taken prepaid cards like XXXX or something like that to social security office and has it so security office call the XXXX XXXX the customer service and have them reroute the money back to social security office and then put it on your card but I'm getting the runaround and I have since XXXX of XXXX and we're almost in XXXX of XXXX that's all the money I have to live off of months {$520.00} so that hurt me I lost my home had problems paying car insurance getting medication going to the doctor everything lost a lot of a lot of my personal belongings my place to live was the most important I don't know what to do at this point I've done everything that I was supposed to do reporting the frog riding them a tizzy I've done it I'm getting nothing but brick walls and the runaround I would like to get a new card I'd like to social security office to have the money rerouted back to them because someone in another state on one of those websites that I was talking about victims of Direct Express in XXXX  services they did that very thing but I took a card of the same thing to the local office where I live in XXXX South Carolina and the worker at the windows and they didn't do it so I know it can not be different from one state to another it's also security I need help and this pandemic has not helped at all and I've been trying for 5 months now to get my money back and that's almost {$1000.00} thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2020 I attempted to make a cash deposit of XXXX to my Bank of America account using a Bank of America ATM. The machine counted the money but instead asked me to list the amount of the cash deposit which was in all XXXX dollar bills. The machine ripped one and returned it to me. I tried to list the amount of the deposit but I was unable to put in the correct amount because the screen malfunctioned. The machine did not give me a receipt for the deposit. I then called the phone number on the ATM to start a claim and I also called the police before leaving the ATM site.I have both a DC # XXXX and I filed a claim with the Bank of America. I also took pictures while standing in front on the ATM of the screen at the time.There are camera at each of Bank of America 's ATM 's so there is video of the transaction.Bank of America provided an investigation and now hey are claiming that there were no additional funds in the machine, I also have proof of where the cash came from that I deposited. This is a large sum of money and I just want to credit to my account. I submitted this money to bank of america in good faith. i did everything I was supposed to do to no avail. 
I need help in retreiving my money back. These are very difficult times and I need this money to take care of myself and my family.

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 2020-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I just took a look at my credit report and I saw a few hard inquires on my report that are unauthorized. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it beforehand. 

XXXX XXXX XXXX XXXX - CARD SERVICE XXXX XXXX, XXXX XXXX XXXX Please have this inquiry removed from my credit ) le because I believe I did not authorize this inquiry. 
Under the Fair Credit Repor-ng Act, your action constitutes a violation of my rights, which is illegal and causing severe damage to my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation
State: MA

Complaint narrative:
I made a few disputes with card.com Regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of XXXX XXXX XXXX and 3 atm withdrawals which I never received my services or money from the atm or received my food and card.com refuses to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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:
I have sent letters to the credit bureau advising them this is not my information they have failed to respond to my letters. I have disputes from XXXX  and Transunion. They should update this ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a fraud alert on my credit report, Equifax refuses to fix the problems associated with this fraudulent activity. I have submitted disputes with fraud affidavits and they still refuse. My next step will be taking action under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried several times to contact equifax through online and phone only to have them redirect me to the other. They have failed to provide report or discuss past disputes yet continue to report information to creditors that I am trying to dispute as inaccurate. They do send a code to access the report but after you put it in they tell you to call and then offer to mail another code. It has been run around after run around for month to no avail. The numbers are useless, the website is useless, and the mail is useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Freedom mortgage company us trying to decieve its customers into signing away their rights, they are giving incorrect information and not following the guidelines set fourth by the federal government concerning covid19 and mortgage assistance programs. They are attempting to scam people into terms that are not compliant with the CARES act that was passed by the federal government. They are attempting to push loan modifications as well as threatening to report negative information to credit bureaus during a global pandemic. They need to offer the correct assistance immediately and fix my account before it goes delinquent as I have been paying my loan two months in advance for the last year, I have been attempting to get this matter resolved since the middle of XXXX, the company does not respond to messages in your online account, they do not respond to emails, and after being on hold for over an hour the just hang up on you. If you manage to get someone on the phone they give you different information every single time. My loan payment will be due XX/XX/XXXX, I have been trying to contact them since the middle of XXXX and they are refusing the correct assistance as directed by HUD, and the CARES act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX violated my 609 rights by reporting incorrect information to Exprian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX reported to the Experian that I applied for credit I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone number, and names corrected on my report this is a violation of my consumer protection rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: OK

Complaint narrative:
I have now submitted and been subsequently denied teacher loan forgiveness about 6 times now for reasons that continue to baffle me. They will list things are not there that clearly are, or that something isn't correct, that plainly is. I will call, they will tell me that it looks correct, and they will resubmit. Then I get another denial, for the same reason or another one. I will make any changes they wish, then get another denial for a previous reason. This latest denial I received on XX/XX/20 listed most all information in section 5 was missing. I doubled checked what I sent in, and section 5 is completely filled out. I don't even think they are looking! These loan forgiveness applications have a 99 % failure rate ... .99 %!!! They are not doing their jobs and cheating people out of programs they clearly qualify for and were counting on! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
This is Quicken Loans XXXX XXXX XXXX XXXX Michigan XXXX On on XX/XX/2019 I closed on a FHA refinance loan and During closing my escrow had 12 months of my homeowner 's insurance put into it and I had 10 months of my taxes put into it due to the fact that after closing my homeowner 's insurance was due two months later on top of a payment of XXXX for XXXX well here in XXXX and they did an escrow analysis and they're telling me at the time of closing it was {$1500.00} and some change in my escrow which isnt accurate they're supposed to been {$2400.00} in my escrow I did call them and they're trying to give me the Slick salesman. And talk away from the issue on top of that I refinance FHA loan and my MIP we're supposed to be refunded back to me and that was supposed to been taken off of The Upfront mortgage insurance premium and they never deducted it off of that so that disappeared and I don't even know where that went there legally trying to steal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I just took a look at my credit report and I saw a few hard inquires on my report that are unauthorized. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it beforehand. 

XXXX  XXXX  XXXX  XXXX  - CARD SERVICE XXXX XXXX, XXXX XXXX XXXX Please have this inquiry removed from my credit ) le because I believe I did not authorize this inquiry. 
Under the Fair Credit Repor-ng Act, your action constitutes a violation of my rights, which is illegal and causing severe damage to my credit rating.

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