vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
On XX/XX/XXXX I applied online for XXXX XXXX credit card to purchase flooring. The card is through Synchrony HOME credit card. I was accepted within minutes with a credit limit of {$6300.00} being given. I immediately reached out and asked for a increase since my purchase exceeded this amount. I had created an online account and requested through this and also through the email notification of acceptance that I received. I received email responses saying they received my request ( s ). I had not heard back on XX/XX/XXXX and I needed to place the flooring order, so I called and first talked with XXXX and then XXXX, a manager. XXXX told me that my increase request in limit was being denied because I did not experience on the current line. I shared that this did not make sense, I had newly applied. He added that I never had an account with me and also no history. That day when I got home I had a letter ( attached ) denying my increase request for the reason - insufficient experience at your current credit line. On the back of the letter it states that I can request a copy of my credit report from the credit reporting agency, and if no agency is listed, a credit report was not utilized in making the decision. I then went to a credit monitoring service and discovered that Synchrony had pulled my credit report on XX/XX/XXXX and XXXX, XXXX ( attacched ). They provided false information. Synchrony seemed familiar to me and then I discovered that I have a credit card with them for another store since XXXX of XXXX. Again, false information they are providing to me. I have excellent credit history, no debt, and this experience was so unusual that I felt the need to report their practice of providing false and inaccurate information to a potential customer.

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 2020-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Today XX/XX/20, I tried to transfer money, {$15.00}, from my XXXX into my bank account. It would not let me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: SC

Complaint narrative:
I have a FEMA approved flood policy in place. Roundpoint Mortgage knows that as a consumer I can not purchase retroactive flood insurance. I have tried. The waiting period for and flood policy is 30 days. So roundpoint has now notified me that they are purchasing Private flood insurance for {$680.00} for the beginning of the months for which I did not have coverage which will further increase my mortgage payment higher than the {$310.00} they have already increased after they purchased an entire year policy for which they attached the month of XXXX after notifying allegedly in XX/XX/2019 that I was in a flood zone. Buyer beware and check your statements every month and make sure you know if you are in a flood zone each year to prevent this from happening to you. So in a matter of months you won't be dealing with almost {$3000.00} of an escrow shortage and being taken advantage of by mortgage companies that can buy private flood insurance for whatever dates they want.

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 2020-06-30 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$420.00} XXXX   XXXX {$700.00} XXXX XXXX {$450.00} XXXX  XXXX {$520.00} 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 2020-06-30 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/XXXX  XXXX {$510.00} XXXX XXXX XXXX  XXXX {$420.00} XXXX   XXXX {$700.00} XXXX  XXXX {$450.00} XXXX XXXX {$520.00} 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 2020-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX received a garnishment levy order to withhold {$16000.00}. ordered by XXXX XXXX.they sid that the original debt was {$10000.00} plus {$6400.00} for interst.they took that money from My checking account. 
When I got the papers from XXXX and Sherif department after the took the money I started to investigate why. XXXX said that they serve me on 2013 but I never got serv at all. When I mention that they said that everyone says that. that never show on my credit report at all. The other thing is that on my checking account was federal money there from the stimulus check and my husband 's social security pension payments too. I explain that to them but they do not listen to me that's why I summiting this complaint. I want to know when and who said that he or she serves me in 2013 what time and what address because by that time I moved after I lost my house. I like to know why they took so long to show up.

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 2020-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
XX/XX/20. PNC is not connecting with a grant funding company and it won't allow access to grant funding. PNC claims there is nothing more they can do. Meanwhile I'm XXXX  out of grant funding for because they can't electronically transfer funds to my business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX I received a promotional email from American Express Serve ( American Express XXXX XXXX  " XXXX  '' ) stating if one cashes their stimulus check through Indigo ( XXXX XXXX XXXX  ) the promotional code " Stimulus10 '' will get you a bonus of 10 . 

I cashed 2 Federal checks over XXXX ( one as a stimulus ) and the funds were not added as the promotion stated. 

On the promo expiration date I called customer service for Serve and spoke to XXXX XXXX off shore in the XXXX who stated there was no promotion on this date. 

We spoke about XXXX XXXX  EST.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
The CFPB needs to really get their XXXX together. How do you keep closing a claim that I am filing stating that KOHLS is reporting a debt I do not owe because it was paid - then they respond and say it is valid?? HOW??? 
HOW is it valid when the bureaus show it paid and XXXX except XXXX   and HOW is KOHLS responding that the DEBT is valid??????????? you guys are all XXXX and do not know how to do your jobs. 

All you guys just think you can do whatever the XXXX you want and you are ALL in violation!!! Kohls debt collection and reporting on my credit report EVERY MONTH WITH A BALANCE THAT HAS BEEN PAID - how the XXXX is that valid? when I paid the debt and other bureaus show it paid. I paid KOHLS directly! 

kohls is in violation updating monthly to XXXX  for a debt that has been paid!!! I am contacting the attorney general and filing suit again both of you guys. What a XXXX joke. 

They are reporting a balance NOT owed and damaging my credit monthly. I have been denied financing because of it and guess what - that is grounds for a law suit -

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have complained about this for more than a year, and Equifax has done nothing to update and correct the ridiculously fake address and the old, outdated phone number, inside the " Personal Information '' section of my credit report. Equifax is posting an address of XXXX, TN, where I have never lived, and never done business in. I looked that address up online, and it is an address of a mental health institution. I am ready to sue Equifax because of the fraudulent, slanderous address situation. Also, Equifax refuses to update the Fraud Alert section of my credit report. The Fraud Alert has an old, outdated phone number from 15 years ago. Equifax refuses to remove the outdated phone number. Another complaint is that while I have only one ( 1 ) physical address and move frequently, Equifax has posted a long list of physical addresses, as if all those addresses are pertinent and accurate. None of the addresses inside the Personal Information section of my credit report are correct, and one of them, the XXXX address, where I have never lived, is particularly disturbing, and outrageously, ridiculously fake and false. It is never correct for my credit report to state that I have more than one physical address, since I never use more than one physical address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed various items on my XXXX, Transunion, and XXXX  credit report. These companies keep sending letters telling me the account were verified. 
I have sent more letters asking them to provide proof under my right to request proof but they have ignored my request and the information remains on all of my credit files.

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 2020-06-30 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: GA

Complaint narrative:
I have disputed various items on my Experian, XXXX, and XXXX  credit report. These companies keep sending letters telling me the account were verified. 
I have sent more letters asking them to provide proof under my right to request proof but they have ignored my request and the information remains on all of my credit files.

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 2020-06-30 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: TX

Complaint narrative:
I been a victim of IDENTITY THIFT PROBABLY FOR OVER SERVERAL YEARS. ACCOUNTS, COLLECTIONS, AND INQUIRIES.i HAVE SENT MULTIPLR TINES THRU THR FTC REPORTS AND OTHER THINGS TO BLOCK AND REMOVE THE FRAUDULENT ITEMS, ACCOUNTS, ETC AND INSTEAT OF BLOCKING IN THR 4 DAYS. I ASK THEM IF FOR ANY REASON THAT THEY FEEL THAT I AM LYING OR ANY OTHER REASON. TO PLEASON SEND ME DOCUMENTS OF PROOF. THEY DIDNT DO IT.. THE ONE ACCOUNT THAT THEY DID TAKE OFF. THEY PUT BACK ON, SAYING THAT THEY CALL ME MULTIPLE TIMES, WHICH IS A LIE.UNDER THE FCRA THEY WOULD NOT PROVID ANY PROOF OF WHAT INFORMATION THEY HAVE. IT WAS LIKE A GAME TO THEM BUT ITS DESTROYING MY CREDIT.

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 2020-06-30 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: TX

Complaint narrative:
I been a victim of IDENTITY THIFT PROBABLY FOR OVER SERVERAL YEARS. ACCOUNTS, COLLECTIONS, AND INQUIRIES.i HAVE SENT MULTIPLR TINES THRU THR FTC REPORTS AND OTHER THINGS TO BLOCK AND REMOVE THE FRAUDULENT ITEMS, ACCOUNTS, ETC AND INSTEAT OF BLOCKING IN THR 4 DAYS. I ASK THEM IF FOR ANY REASON THAT THEY FEEL THAT I AM LYING OR ANY OTHER REASON. TO PLEASON SEND ME DOCUMENTS OF PROOF. THEY DIDNT DO IT.. THE ONE ACCOUNT THAT THEY DID TAKE OFF. THEY PUT BACK ON, SAYING THAT THEY CALL ME MULTIPLE TIMES, WHICH IS A LIE.UNDER THE FCRA THEY WOULD NOT PROVID ANY PROOF OF WHAT INFORMATION THEY HAVE. IT WAS LIKE A GAME TO THEM BUT ITS DESTROYING MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I AM CURRENTLY IN FORECLOSURE WITH " SPS '' WHO IS A COLLECTION AGENCY AND PER THE FDCPA, " A COLLECTION AGENCY CAN ONLY COLLECT ON A DEBT AND CAN NOT SUE IN THE COURT OF LAW FOR A DEBT THEY DO NOT RIGHTFULLY OWN ''. BECAUSE OF THIS I FILED CHAPTER XXXX ON XX/XX/XXXX. SPS AND THEIR ATTORNEY KEPT TRYING TO SALE MY HOME WHILE UNDER BANKRUPTCY PROTECTIONS AMONGST OTHER FDCPA VIOLATIONS TO THE HOMEOWNER! 

MY COMPLAINT IS THAT SELECT PORTFOLIO SERVICING IS FRAUDLENTLY ACTING AS A " MORTGAGE SERVICER '' HOWEVER THEY ARE REGISTERED IN THE DEPT OF STATE OF UTAH AS A " COLLECTION AGENCY ''. A COLLECTION AGENCY CAN NOT SUE ME IN COURT BECAUSE THEY DO NOT OWN THE DEBT. I HAVE ASKED SPS TO PROVIDE VERIFICATION OF DEBT, TRANSFER OF DEED AND NOTE TO NEW LENDER, WITH ALL THE FILES THAT CAME ALONG WITH THE TRANSFER OF MY MORTGAGE ACCOUNT IN XXXX. THEY HAVE NEVER PROVIDED THIS INFORMATION TO ME OR THE COURTS AFTER A JUDGE HAD A COURT ORDER. " SPS '' IS THE SAME ENTITY AS " XXXX XXXX XXXX '' AS THEY JUST SIMPLY CHANGED THEIR BUSINESS NAME ON XX/XX/XXXX AFTER BEING SUED MANY OF TIMES INCLUDING THE ( FTC ) WHO SUED THEM FOR {$40.00} XXXX DOLLARS. THIS COMPANY CONTINUES TO TAKE ADVANTAGE OF ME AS MY LOAN WAS INVOLVED IN THE SUB-PRIME MORTGAGE FRAUD SCAM THAT WAS COMMITTED WITH XXXX XXXX XXXX, SWITCHING TO XXXX  XXXX XXXX AND THEN ALLEDGELY TO SELECT PORTFOLIO IN WHICH ALL THREE MISLEAD AND MISCOMMUNICATION MY LOAN DOCUMENTS WHICH WAS THEY THEY WERE SUED. I SAYING THAT I AM IN BANKRUPTCY COURT FIGHING TO KEEP MY HOME IN WHICH SPS AND XXXX XXXX XXXX XXXX XXXX ( WHO DOES NOT EXSIT BY THAT NAME IN THE DEPARTMENT OF STATE OF DELWARE OR CALIFORNIA OR UTAH ) WHICH MEANS THAT ARE " NOT LEGALLY A BUSINESS BY THE NAME IN NONE OF THOSE STATES '' BECAUSE THE " DBA '' IS NOT REGISTERED OR LISTED. I NEVER SIGNED A CONTRACT WITH XXXX XXXX. MY MORTGAGE IS A MERS LOAN AND IT WAS ASSIGNED A MER MIN #. MY LOAN MIN NO. XXXX IS CURRENTLY LISTED IS " INVALID '' IN THE MERS SYSTEM.

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 2020-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME AND THEY WERE INACCURATELY PLACED ON MY CREDIT. I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS AND I DID NOT SIGN ANY CONTRACT TO CONNECT ME TO THOSE ACCOUNTS, I AM REQUESTING THAT YOU PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS AND IMMEDIATELY REMOVE THESE ACCOUNT OFF MY CREDIT FILE.

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 2020-06-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I became a victim of an identity theft at one of the Authorized Lexus dealerships ( Lexus XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ). Unfortunately, neither claim to the Lexus Fraud Department, nor Police report I filed, helped me to resolve the situation. 
I found out that my former business partner forged my signature under the car lease agreement and put me as a co-signer for his car. Since we were in business together, he had the copies of my SSN and my driver 's license. 
He stopped making payments and in XX/XX/2019 I received a letter from Lexus, stating that I was financially responsible for such payments. I requested a Lease Agreement from Lexus and found my signature being forged. 
I was told by Lexus Fraud Department representative that due to the fact, that this deal was closed through some third party broker and the dealership had nothing to do with it, they couldn't further investigate this matter. The same they told to the police and the case was closed. 
I never agreed to be financially responsible for this car, I never provided Lexus with the originals of my documents, I never went to the dealership or met with a broker and I never signed this lease agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( all 3 Bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30 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: CA

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME AND THEY WERE INACCURATELY PLACED ON MY CREDIT. I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS AND I DID NOT SIGN ANY CONTRACT TO CONNECT ME TO THOSE ACCOUNTS, I AM REQUESTING THAT YOU PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS AND IMMEDIATELY REMOVE THESE ACCOUNT OFF MY CREDIT FILE.

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 2020-06-30 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 been trying to get a copy of my Equifax credit report for the last couple of months. I used to be able to log into my account with them but can no longer do so. 

Today - XX/XX/2020 - I tried again. I downloaded their XXXX and XXXX smartphone app and tried logging in. I received an error message saying that I wasn't able to get to their servers, so I called their Cust Svc # and spoke to a person there. 

She asked me if I had already set up a XXXX and XXXX  account and I told her that I thought I had but would go through that setup process again to ensure I did. This was after I hung up with her. 

When I tried setting up the acct, the system said that the email was already in use and to sign in instead of setting up. I tried that, but got another error msg that said to call cust Svc, which I did again. 

This 2nd time I was able to speak to someone who after validating me, sent me a link to reset my password which I used and changed my password. I received an email verifying that my password had been changed, so I tried to log in using that new password. I received another error msg saying to call Cust Service again. 

The 3rd time I called, I was asked to validate my identity which I did, however they asked me for info regarding a bank loan, date of and amount of the loan. I told the man that I do not have an outstanding bank loan but only two credit cards that I am paying on that are open. He wouldn't validate me. He then said that I needed to send them some documentation that will take 7-10 business days to resolve. 

I told him that I am trying to refi my mortgage with a lender and don't have the time to wait to get into my credit file which is frozen to prevent identity theft. 

That didn't matter. 

I believe that the verification process needs to be reviewed and consideration given to use other account identity validation methods to prevent someone like me from being prevented from getting my own information that Equifax is holding. 

I would like help to resolve this, please.

Company response to consumer: Closed with explanation