vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Debt in collection {$2600.00} and I am not responsible for this debt I did not authorize no one to use my personal information to get a credit card. I have XXXX  XXXX  and the credit bureau told me the account is not in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: NY

Complaint narrative:
XXXX XXXX is about Trans Union Supervisor, On XX/XX/2023 i put a call in to trans Union on a matter that was very sensitive and stressful to me as I have been fighting fraud for a few years. my complaint is with a supervisor by the name XXXX XXXX on approximal XXXX Est time I was transfer to a supervisor that was very argumentative on laws that he has no clue of and no understanding i called to fix the issues being furnished on my report to know that's i will be bumping to a supervisor aggressively about laws he has no clue of. its unfraternally this conversation was recorded, and I will be asking for a copy since it was recording. he was more worried about my believes in law then helping me.I want to file a complete on this supervisor. 
who truly question the ethnicity. Even when ask is we was done your employee for your trans Union department keep pushing for some type of respond.

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 2023-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
I purchased a furniture set from XXXX XXXX  and financed it via Syncrony Bank. In my error I paid this account in full twice, once through my bill pay which I forgot I put it in there to be paid off and then I received the statement in the mail the next day and called in the payment in full, When I realized I paid this account twice in full, I immediately called my bank XXXX XXXX, my bank then told me they could not stop either payment but they would give me a temporary credit until I receive a refund from Syncrony Bank. Well, it was an absolute NIGHTMARE! attempting a refund from Syncrony Bank, it took many many calls and three way calls with my banker. Months later I did receive a refund check from Syncrony Bank, at that point I deposited the check and my XXXX XXXX Bank reversed the temporary credit I received from them. Months later I then start receiving statements from Syncrony Bank stating I owe this account, it was never paid ( Not only was it paid it was paid twice in full and NEVER late ), thus began my nightmare of the last year fighting them that I do not owe this money : my Banker has talked with them telling them I do not owe this bill, I have sent them my bank statement showing I do NOT owe this bill, I also sent them my statement I received from XXXX XXXX reflecting a XXXX balance. I also, spoke with XXXX XXXX and they confirm I do not owe them anything and my account has been paid in full. I Have placed many many many long and frustrating phone calls to Syncrony Bank in which I get no resolve and I am met with very Nasty customer service representatives!!!! I have had some say " oh yeah I see this was paid in full, not sure why you are receiving statements ''. Syncrony Bank turn this in to my credit as a debt collection, which I received NO notification they were doing! I have filled a dispute with the Credit Bureau, providing them my bank statements reflecting I paid this account twice and it reflects my eventual refund from Syncrony Bank, I also provided them with my XXXX XXXX statement showing a XXXX balanced. This has truly caused me great anguish and stress!!!!

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).

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 2023-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Omega RMS, LLC
State: GA

Complaint narrative:
I signed for a option trading course with XXXX XXXX XXXX in XX/XX/XXXX which they charged {$2900.00} paying, I paid {$600.00} Down and {$86.00}. a month. I invested {$5000.00} to start my account they claimed a 68 % successful trades. The trainer and owner XXXX XXXX recommended trades each day. I wasn't having success. Got a call from ( XXXX ) convincing me to come to XXXX and train, they guaranteed I would make money after the training. 
Went to XXXX on XX/XX/XXXX with about 8 others from across the US. Complete waste of time I also learned he did not research for a trade just pull I informed them I was not happy and wanted to cancel. I was told I owe the balance. Omega RMS is the collection Agency. OMEGA said I owe {$10000.00}, for a debt I signed for {$2900.00}. On XX/XX/XXXX I sent a certified letter requesting document that state I signed for a {$10000.00} debt. I moved to XXXX did not get the mail call and advised Omega to resend the information gave correct address. Received the mail nothing about the sum of {$10000.00}. only signature for {$2900.00} debt. I am attaching the copy of mail I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
There was a {$300.00} unauthorized withdrawal from my checking acocunt in XXXX. After filing my request with M and T bank, they claim they never received the mailed paperwork. So I faxed it and mailed it again in XXXX which they did receive. 

They denied my claim and said their investigation did not come up with how it happened. However, when I asked what they investigated or how they came to this conclusion, I was told nothing. 

It is impossible to speak to anyone in the fraud/unauthorized transaction department, they only use emails from customer service. I am asking again to be contacted about the denial but that has yet to happen and probably will not. 

Are there any options for me at this point as M and T bank will not allow customers to speak to the individuals doing the investigation?

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 2023-06-28 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: GA

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.

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 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-06-28 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: TX

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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 2023-06-28 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: TX

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST FINANCIAL BANCORP
State: IL

Complaint narrative:
I received a letter stating my account was restricted because of unusual activity and to protect me from unauthorized transaction the bank is first financial the date on the letter is XX/XX/23 then I received a alert that this account was closed on XX/XX/23 not to mention first financial ran a hard inquiry on my credit That was not authorized

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 2023-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
Ive tried to close my checking account after being assessed multiple fees. The bank is unable to waive the fees so I attempted to close the account and was told Id be charged {$10.00} for a cashiers check because they didnt have enough cash to close the account. After asking to keep the account open if the fees were waived, they refused and are still unable to close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-28 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: FL

Complaint narrative:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
AFFIRM , INC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX I wrote the company several times to remove this debt from credit report. It was a canceled purchase on XXXX for a trip that I did not take. They still haven't removed it from my credit report. 

I received my XXXX Dispute result on XX/XX/2023 and the status of AFFIRM , INC says remains. When it should be deleted from all of my credit reports XXXX, XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: GA

Complaint narrative:
I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay. I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible. Your urgent attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
15 U.S.C 1681section 602 A. States that I have the right to privacy. 15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: RENASANT CORPORATION
State: MS

Complaint narrative:
Renasant Bank changed the way its website works and I've had difficulty accessing my account. The bank has sent at least one text to my current mobile number, which means they have the correct one on file. 

However, the bank insists on sending a one-time code and only shows my old number, which I can't use for security reasons. 

There used to be other alternative ways to securely verify my identity, but these options aren't a part of this new digital rollout. 

No one is answering the phone number they've provided for people having issues with their accounts. I haven't been able to access my bank information for about XXXX business days or get ahold of the appropriate person. Per various XXXX searches, I can see I'm not the only person with these issues.

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 2023-06-28 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: FL

Complaint narrative:
I sent letters to all credit bureaus and creditors in may in regards to incorrect and fraud accounts that are reporting. The items are still reporting and need to be removed immediately! There are accounts that is XXXX XXXX XXXX and still reporting and by law that is illegal and can not be reporting! remove it asap please! I do not want to have to take legal action but i will if this matter is not resolved. Please remove these items per 15 usc 1681 b you all are violating my rights as a consumer by furnishing this information without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
My Chase card was charged for services that were never provided by XXXX XXXX XXXX XXXX XXXX ) travel company. I have contracted my Chase card representatives many times since XX/XX/XXXX when I discovered that XXXX would not be providing services I had paid for previously. Chase continued to deny reimbursement and although they SAY they contracted XXXX, that is impossible since XXXX has gone into liquidation and lost all funds belonging to customers. 

Date XXXX was paid {$1300.00} for services with Chase card : XX/XX/XXXX Date I learned XXXX would not provide services ( for XX/XX/XXXX travel ) : XX/XX/XXXX Date I contacted Chase : XX/XX/XXXX Date I received final denial from Chase XXXX XXXX : XX/XX/XXXX Chase DOES promise to honor claims for FUTURE travel yet has failed to do so. 

I have held this credit card since the early XXXX 's and am a loyal and good customer. 
Travel was illegal for over a year during pandemic so I could not use travel services I had paid for. Chase claims that the 540 day limit for claims still applies. I know that many card holders, INCLUDING Chase XXXX XXXX customers in my same situation have received refunds from their credit card company. Yet my Chase XXXX XXXX card continues to deny reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: GOLDMAN SACHS BANK USA
State: MS

Complaint narrative:
On XX/XX/2023 I attempted to activate a monitoring subscription with XXXX Reveal for a security camera purchased by my husband, XXXX XXXX XXXX XXXX. The service did mot work. After contacting XXXX technical support who was unable to resolve the issue, I advised them that I wanted to cancel the same day for unsatisfactory and non performance of service. The XXXX XXXX sounded evasive so in addition to notifying XXXX, I also attempted to dispute the transaction for {$120.00} that was pending on my Goldman Sacs Apple Credit Card. This too occurred on XX/XX/XXXX. The Goldman Sac 's employee identified himself as XXXX and advised that since the transaction only showed pending, he would have to wait to see if an actual charge was billed. My card was charged and a provisional credit was issued on XX/XX/2023. On XX/XX/2023 the charge was put back on my card. I called Goldman XXXX that same day and disputed the charge again. A temporary credit was again issued only to be placed back on my card today. The camera was stolen and I have provided proof to Goldman Sacs that XXXX provided no services to me other than to scam senior citizens. Too, I believe that employees of Goldman may be involved in this scam because on their so called investigative report for this incidence, it clearly indicates that the subscription was activated and deactivated the same day. Our home alarm had been breached twice while we were away for XXXX treatment. We were attempting to get XXXX outdoor camera to identify the responsible party ( XXXX ) but the service did not work. XXXX promoted and advertised the service with the XXXX camera purchased from XXXX XXXX XXXX. Goldman Sacs placed this disputed charge back on my card today, XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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