vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-11 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Hi Old Navy CC ; SynCB ; I'm little confused that you even allowed to mark me late on XXXX & XX/XX/2021 for 30 days last during XXXX. I was actually shocked today when i reviewed my credit report from all major credit bureaus and noticed those late payments as mentioned. I am not sure how this happened, but I believe that i made the payment as required on the dates stated and noticed that you took it from my bank account when i received my statements. My only other thoughts are that my monthly statements did not get to me on time.

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 2022-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Just found out that Synchrony Bank ( PayPal ) filed a small claims suit against me. I do not or have never had an account with them. There is nothing on my credit report from them. This is clearly a fraudulent account.

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 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I requested an updated credit report from Experian, XXXX and XXXX. In do so I found their several names and addresses. I don't know nor recognized. I have sent out letters on XX/XX/22 to dispute the matter. No representatives have called, nor any updates have happened.

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 2022-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
THIS ACCOUNT IS NOT MINE AND I DIDN'T APPLY FOR ANY CREDIT CARD UNDER 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 non-monetary relief
Consumer complaint received 2022-08-11 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: GA

Complaint narrative:
I have several hard inquires on my credit report that I did not authorize and that I do not recognize. These inquires are as follows 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 2022-08-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have several hard inquires on my credit report that I did not authorize and that I do not recognize. These inquires are as follows 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 2022-08-11 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
In XX/XX/2022, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) informing me that they had charged off my XXXX account and sold it to Midland Credit Management ( MCM ) for collections. On XX/XX/2022, I paid off the entire balance owed of {$2200.00} using my bank debit card. On XX/XX/2022, I received a letter from MCM stating I had a XXXX XXXX balance on my XXXX XXXX 

I spoke with MCM and they told me that I paid off the debt before they were able to report the collections to the credit bureaus, so therefore they don't have a collection line item to update and they would not be able to update the XXXX XXXX XXXX  credit bureau line item. When I called XXXX XXXX XXXX they tell me that they no longer have the account and that I will have to resolve the credit bureau update with MCM. So, no one at either company is willing to update my credit profile to reflex the balance has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
On XX/XX/2022, I received a message from XXXX XXXX on XXXX XXXX about an item I posted on XXXX  : a claw foot tub. I asked {$900.00} for it. She asked if she could pay me through Zelle. I said yes. She claims she sent me {$900.00} and sent a screenshot, however I never received the money. I did, though, receive an email from XXXX saying that I had to send money in order to allow the {$900.00} to go through. Against my better judgement, I sent the money through Zelle. This went back and forth until I sent a total of {$1000.00} via Zelle and {$300.00} via XXXX ( to XXXX XXXX @ XXXX XXXX XXXX In total, this person stole {$1300.00} from me because XXXX acted as a Zelle. I filed a dispute with my bank, but it was declined. I tried requesting the money back, and the person declined ( I didn't expect them to return the money but thought it was worth a try ). I kept screenshots of the back-and-forth emails and XXXX exchanges as well as all the emails s/he sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: OneMain Finance Corporation
State: GA

Complaint narrative:
Someone fraudulently opened up a secured loan in my name and this company has done nothing to investigate or remove this from my credit report. One main has been reporting fraudulent information to my credit report and just recently they increased the overall amount of the loan. How is this even possible for a company to tarnish a persons credit without Authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: CITIBANK, N.A.
State: MA

Complaint narrative:
Hi CB Wayfair ; I'm little confused that you even allowed to mark me late on XXXX XXXX for 30 days and recently on XX/XX/XXXX during covid19. I was actually shocked today when i reviewed my credit report from all major credit bureaus and noticed those late payments as mentioned. 

I am not sure how this happened, but I believe that i made the payment as required on the dates stated and noticed that you took it from my bank account when i received my statements. My only other thoughts are that my monthly statements did not get to me on time.

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 2022-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JTM Capital Management, LLC
State: GA

Complaint narrative:
According to the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Total Card Visa, has violated my rights. This account was fraudulently opened using my information.

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.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
In accordance to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed I contacted the CHEXSYSTEMS to verify and dispute a wrong information posted about a closed checking account since XX/XX/2022 and did not get any response or update on my dispute as of today XX/XX/2022. This ground for removal. They also violated my rights under the 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S.C 1681 section 602 A. States I have 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 2022-08-11 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: MA

Complaint narrative:
HI Victoria Secret / Cb ; Hello and sorry, I'm little confused that you even allowed to mark me late on XXXX 2022 for 30 days during covid19. I was actually shocked today when i reviewed my credit report from all major credit bureaus and noticed those late payments as mentioned. I am not sure how this happened, but I believe that i made the payment as required on the dates stated and noticed that you took it from my bank account when i received my statements. My only other thoughts are that my monthly statements did not get to me on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: LEXISNEXIS
State: NC

Complaint narrative:
I tried calling the lexisnexis company and I can not get a direct answer to file dispute and correct address

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I was in XXXX XXXX California for a vacation with my husband and decided to go to the XXXX XXXX fair. There was a pop up stand that was selling purple mattresses, we have been wanting one for a while and decided to check out the stand. The sales guy named XXXX with Mattress Firm trapped us on just looking to see what we would be approved for with credit to purchase one of these mattresses. Once he saw how much we were approved for he called another sales man named XXXX over to try and get more approval through another lender. This took forever and they kept going with the purchase although me and my husband werent completely sure we wanted to purchase through them as they were giving us sketchy vibes. After they got the sale almost finished, it wasnt even the bed we wanted and the sales guys didnt want to go back and change or cancel all the work they just decided to do themselves. This all took place on XX/XX/2022. After a couple days with no email confirmation of the sale, I really started to feel uncomfortable with the purchase they made me do and I decided to reach out to them to at least change the bed to the one we actually wanted. XXXX said to text him the changes I want and XXXX fix it. This never happened. It took over a month to even get a delivery date from some other company and they brought the wrong bed to our home and we explained to them the issue we were having. All they said was that they can say we refused the purchase and Ill have to go through mattress firm to get the correct bed. Throughout this entire process I was trying to contact mattress firm multiple times to confirm the changes of the bed we wanted and all they have is an online service that doesnt help you. There is no way to report mattress firm and I am now being charged for a bed that I never received. I tried contacting the salesman and they both have not responded to me. This company or at least the fair should be shut down for fraud.

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 2022-08-11 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:
Someone fraudulently opened up a secured loan in my name and this company has done nothing to investigate or remove this from my credit report. XXXX XXXX  has been reporting fraudulent information to my credit report and just recently they increased the overall amount of the loan. How is this even possible for a company to tarnish a persons credit without Authorization

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 2022-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Hello, I opened a new bank account checking and saving with CITIBANK. The process was smooth. I decided to use this new account and have my funds transferred to my new account. The amount transferred into the checking account was {$570.00}. The transaction started XX/XX/2022 and the funds were available XX/XX/2022. When I sent money through XXXX that same week the amount of {$280.00} it allowed the transaction, but then CITIBANK decided to freeze my account and cut off my access to my online banking. I spent hours on the phone with every customer service specialist and even the supervisor who had a very hard name to pronounce. They told me to complete verification steps such as the last four of my social, account number, and etc. I completed the verification steps then was told since my phone number isn't registered under my name and can't be looked up via XXXX I can't verify my identity. After being told this I asked if I go to the main branch with my state ID and information will my funds be given to me. The supervisor told me yes. I drove almost 2 hours from PA to NJ to the main branch where the employee told me that my account was now froze and will be closing. The account was under investigation and that a reference number will be sent to me by mail to gain access again. The letter with the reference number comes in the mail and I call CITIBANK again and was denied access to my account again and was told any funds left in the account will be mailed by check 30-90 business days. It has been 5 months and still haven't received my funds. Every time I call the employees tell me that my account is in the middle of closing and they can no longer serve me. Till this day I still receive emails from about this account and promotions. Recently I received a email on XX/XX/XXXX that I received incorrect account information in a recent survey and that my account is still open .... but yet they aren't allowing me to have access. This has been the worse experience. The supervisor even laughed at me when I said how can't I have access to my account that you locked me out of due to your own suspension.

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 2022-08-11 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:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( spoke with XXXX at XXXX ), I made contact via phone calls and written asking for proof of a signed contract by myself and them and if they would provide it, I'd gladly accept responsibility. 3 disputes were filed with XXXX, TRANSUNION, and XXXX. The disputes was resolved in the favor of the collection agencies, I found this out upon checking my profile, so XXXX I filed a 4th disputed with all the credit agencies asking for written verification proof and a signed contract between these reporting collection agencies or to remove these item from my credit file. 

I owe no debt to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never signed a contract with them, nor do I know who they are. In accordance with the FCRA. These companies along with TRANSUNION, XXXX, AND XXXX has violated my rights under 15 U.S.C. 1681 602 A. states I have the right to privacy. 15 U.S.C 1681. 604 A. Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681 s-2 ( A ) ( XXXX ) states a persons shall not furnish any information relating to a consumer to any consumer reporting agency if the persons know or has reasonable cause to believe that the information is inaccurate.

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 2022-08-11 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Recently I did an investigation on my report, due to your erroneous reporting to the Credit Bureaus its highly negative impact on my personal credit report. Please be advised that this is not refusal to pay, but a notice sent pursuant to the Fair Credit Debt Collection Practices Act : 15USC 1638g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for VERIFICATION or proof of my mailing address but a request for VALIDATION .I would like for my report to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: Island Finance Puerto Rico
State: PR

Complaint narrative:
XXXX XXXX responded and XXXX. requested my feedback to my complaint number : XXXX, feedback was requested today XXXX XXXX XXXX, that I should contact the company, and that a a letter was mailed informing me that hard inquiries remain 2 years on the report, BUT WITHOUT ANY MENTION TO THE FACT MY COMPLAINT WITH THE NUMBER ABOVE CLEARLY SHOWS I ALREADY CONTACTED THE COMPANY ISLAND FINANCE ABOUT THIS UNAUTHORIZED HARD INQUIRY, AND THEY ALREADY RESPONDED WITH THE LETTER INCLUDED HERE AS ATTACHMENT, THAT THEY ASKED XXXX XXXX FORMALLY TO REMOVE THIS HARD INQUIRY ON XX/XX/2022. THIS LETTER WAS SIGNED BY THEIR ISLAND FINANCE ATTORNEY XXXX XXXX XXXX, BUT XXXX XXXX DOES NOT EVEN MENTION THAT LETTER ON THEIR RESPONSE OF XX/XX/2022, MORE THAN 30 DAYS AFTER THE COMPANY MADE THE FORMAL REQUEST TO XXXX XXXX TO REMOVE THE HARD INQUIRY? THIS IS WHY I HAD TO FILE THIS SECOND COMPLAINT, BECAUSE IF THIS FORMAL REQUEST WAS MADE BY ISLAND FINANCE, MORE THAN 30 DAYS AGO IS MORE THAN ENOUGH TIME FOR XXXX XXXX TO RECOGNIZE HERE IN THIS RESPONSE ISLAND FINANCE FORMALLY REQUESTED THE REMOVAL OF THE HARD INQUIRY AND TO HAVE IT REMOVED, BUT THAT IS NOT HAPPENING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc.
State: MS

Complaint narrative:
My mortgage with XXXX Bank was in Covid 19 deferment relief and we have made arrangements for Deferred balance to be place at end of loan with out interest. They ( XXXX bank ) have reported 180 day late on this mortgage two months in a row. I also learned from an employee of theirs that this has happened to thousands of mortgage holders with them. This has caused my to have a denial on a requested loan from Studentiad.gov. I was trying to secure a loan for my XXXX  college student. Now the loan has been denied because of this action on their part. My credit score has also faulted over 80 plus points on all credit reporting bureaus. Payments are {$1800.00} and have been paid as agreed...

Company response to consumer: Closed with explanation