vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-18 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: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
On XXXX I started an application with Care Credit XXXX Synchrony Bank. On their website it says that the beginning of the process IS NOT a credit application and the application is to see if I pre-qualify. 

I went 1/2 way through the application process and then quit, thinking I could pick the process back up. 

I could not. I called and was told that my credit was run with XXXX XXXX and that my application was declined, but they could not tell me why. 

Their website specifically said that my credit would not be run, and now I can not apply with their organization for a loan. 

This is misrepresentation of how they are handling credit, and I believe that there are lending regulations regarding proper disclosure of if your credit is being run for a credit card. ( Card Act ) I have a screenshot showing their website specifically states that the request is NOT a credit application.

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 2021-08-18 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX  and XXXX  i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these company. I also saw XXXX is reporting 3 late payments on my credit report which is incorrect and false. I have never been late. I am a victim of identity theft.

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 2021-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
FTC filed XXXX XXXX for {$770.00}, XXXX XXXX XXXX XXXX for {$8300.00}, XXXXXXXX XXXX XXXXXXXX for XXXX These accounts was the result of identity theft. According to the law 15 USC 1681c-2 ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Transuion have stated the do not have to comply by the FCRA.

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 2021-08-18 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 — Investigation took more than 30 days
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
I've been disputing this negative information on my credit report and I have not received any information regarding my dispute. Please investigate to remove immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have these items that are not mine and i want them to be removed from my credit. 

1. Identity Theft CCB/XXXX Date of inquiry : XXXX  This is not mine. 

2. Identity Theft CCB/XXXX Date of inquiry : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
This " debt '' has already been resolved with the previous debt collector ( have letter confirming this ). 

Copying the verbiage from the previous challenge to this debt : " Validated with the lab that my insurance will cover the blood work. No Co pay or deductible was requested. The lab billed my insurance company, and my insurance company paid out the claim. The lab company then proceed to bill an additional {$750.00} for just simple blood work. This is outrageous. My credit history is clean, I pay everything on time - always, but I will not be paying for highway robbery. Please remove this from my credit report ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
HSBC locked my checking acct. I called & they said it was because of 2 things : 1, my home phone # was changed. Well, I looked on my profile & it didn't ask for, nor did I provide a home #. Just my cell #. 
2, On XX/XX/XXXX, I got a deposit from a family friend : {$1500.00}. On XX/XX/XXXX I transferred this {$1500.00} to my other bank. They said because it was taken away, it must be fraud, when it specifically said " TRANSFER '' I have sent them an email, because they transfer me or hang up on me when I called. 
I was going to go to their branch, 20 min. away today. And first I called & the phone # was disconnected. And my GPS showed an open field & said " building missing. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: GA

Complaint narrative:
I've dealing with this Identity Theft issue for a while now and I have tried reaching to the credit bureaus and creditors but I cant seem to get any real help to help me resolve this situation and as a result I've develop a lot of health and emotional issues which includes XXXX, XXXX which all resulted in me losing my job and my family. 

Name, Addresses, Inquiry and phone # do not belong to me XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( these names are not mine ) XXXX spring XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Ga XXXX The items listed below are fraudulent and need help getting taken off my report. 
XXXX XXXX XXXX- {$330.00} ( XXXX & XXXX ) XXXX  XXXX XXXX {$4500.00} XXXX XXXX- {$2100.00} XXXX XXXX- {$9100.00} XXXX/XXXX XXXX XXXX- {$5200.00} XXXX XXXX XXXX XXXX- $ XXXX {$5800.00} XXXX XXXX XXXX XXXX- {$11000.00} Money XXXX- {$44.00} XXXX XXXX XXXX- {$21000.00} XXXX/XXXX- {$24000.00} XXXX XXXX XXXX- {$11000.00} XXXX XXXX XXXX XXXX- {$26000.00} XXXX XXXX- {$720.00} XXXX XXXX XXXX- {$2000.00} Inquiry-XXXX XXXX  XX/XX/21

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 2021-08-18 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: GA

Complaint narrative:
I've dealing with this Identity Theft issue for a while now and I have tried reaching to the credit bureaus and creditors but I cant seem to get any real help to help me resolve this situation and as a result I've develop a lot of health and emotional issues which includes XXXX, XXXX which all resulted in me losing my job and my family. 

Name, Addresses, Inquiry and phone # do not belong to me XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( these names are not mine ) XXXX XXXX  XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Ga XXXX The items listed below are fraudulent and need help getting taken off my report. 
XXXX XXXX XXXX- {$330.00} ( XXXX XXXX XXXX ) XXXX  XXXX XXXX- {$4500.00} XXXX XXXX- {$2100.00} XXXX XXXX- {$9100.00} XXXX/XXXX XXXX XXXX- {$5200.00} XXXX XXXX XXXX XXXX- $ XXXX/ {$5800.00} XXXX XXXX XXXX XXXX- {$11000.00} XXXX  XXXX- {$44.00} XXXX XXXX  XXXX- {$21000.00} XXXX/XXXX- {$24000.00} XXXX XXXX XXXX- {$11000.00} XXXX XXXX XXXX XXXX- {$26000.00} XXXX XXXX- {$720.00} XXXX XXXX XXXX- {$2000.00} Inquiry-XXXX XXXX XX/XX/21

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 2021-08-18 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX  and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these company. I also saw XXXX is reporting 3 late payments on my credit report which is incorrect and false. I have never been late. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX  i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these company. I also saw XXXX is reporting 3 late payments on my credit report which is incorrect and false. I have never been late. I am a victim of identity theft.

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 2021-08-18 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: WA

Complaint narrative:
On XX/XX/2021 I submitted a complaint number XXXX which complaint indicated that my EQUIFAX credit report contained a second Social Security number which I have never had and I wanted it to be removed. Within a few weeks of my filing the above complaint the matter was resolved and the second Social Security number was removed from the Equifax file. 
A recent review of my Equifax credit file indicates the following : Other id : XXXX Social Security # Variation, Reported : XX/XX/2021 As the above indicates once again a second Social Security number has been posted to my account after Equifax verified and removed it previously. The Equifax security system is not working. It improperly posted once again the same incorrect information after having previously verified it did not belong to me I would like this false Social Security number removed and some confirmation that Equifax can in fact secure my credit information from false postings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
I sent a letter to Financial Credit network for a medical collections account that they put on my credit and have yet to receive a response or account deletion. The account was paid in full. Per The Medical Debt Relief Act of 2021 ; Section 603 of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ) ; Fair Credit Reporting Act 1-year waiting period before medical debt will be reported on a consumers credit report and to REMOVE PAID OFF and settled medical debts from credit reports that have been fully paid or settled. 
This is a violation of federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
i had a bad time in XXXX XXXX florida had a hurrican and storm and i was not able to pay so i wrote hsn card synchrony bank a good will latter tellin them why i was late and they send me a latter back sayin they will remove it in XXXX but never did and my credit is still hurting frm this also drop my limit frm XXXX to XXXX to closeing my acct after i been a good loyal cumsmer for 6 year dats how they do me badbad

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 2021-08-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC.
State: HI

Complaint narrative:
On or about XX/XX/XXXX, we obtained a HELOC with GMAC. 
On or about XX/XX/XXXX we called XXXX because GMAC sold to them the XXXX and were told we had no loans outstanding with them XXXX. We requested it in writing and was told Not to worry the loan is written off. and it's not there any more. It was written off. 
Since that time period Of XXXX we have not received any statements or communication of any kind from GMAC or any other entity regarding the GMAC and or HELOC. 
XXXX https : XXXX In a letter dated XX/XX/XXXX, from Ally bank notification regarding insurance coverage, we went online and discovered the HELOC is with Ally Bank XXXX From XX/XX/XXXX to current, we have yet to receive any monthly statements from Ally Bank or any kind of servicing transfer notice as required under RESPA 1024.33. 
Our first ( 1st ) mortgage is with XXXX XXXX XXXX  and is escrowed for property taxes and insurance. 
We inquired with XXXX XXXX XXXX  to refinance and payoff the heloc. It appears we were approved but XXXX XXXXXXXX XXXX  did not want to payoff Ally Bank as they considered the {$60000.00} as erroneous charges. Please note on the payoff statement, next payment date is XX/XX/XXXX. 
Then the wiring instructions direct the wire funds to be submitted to XXXX XXXX XXXX XXXX, XXXX, NJ with ABA numbers. 
We would like to resolve this issue as this loan is almost 9 years old with no communication, no monthly statements, servicing transfers or notices until XX/XX/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 2021-08-18 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I was at a church function on XX/XX/2021. It was a XXXX. A bunch of moms and myself went to a church function to prepare for the XXXX. We all put our purses and wallets in a cabinet and it was locked by the church guard. It was around XXXX eastern time I got a text and a call from barclays credit card Mastercard stating are you the one that made a purchase for like XXXX something at a XXXX XXXX I immediately said NO and I called them to stop the card. I ran to the church locker and notice the locket was broken into and a bunch of us had our wallets stolen and purses. I filed a fraud claim with Barclaycard and within two days they gave me a temporary credit for like XXXX something that was used on my card then two days later they charge it back and say im responsible! That is not fair I have been fighting it for a month and they refuse to even open up the case again. When they say 0 liability. That is not true. In this covid era we are all living check by check and they do this to me. I have given then all my other cards that have been stolen and they are all investigated and taken care of. But, XXXXarclaycard is refusing to help me it is not fair. I cant afford this and living on unemployment and now they want me to pay for these fraud charges? And the investigation dept is all XXXX people that hang up the phone on you and dont even give you the time of day. Please help me

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 2021-08-18 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: Chime Financial Inc
State: TN

Complaint narrative:
I received a check from one of my retirement account providers on the morning of XX/XX/2021. 

I used the mobile deposit process to deposit the check and Chime declined to deposit the check stating the following : " We were unable to verify the check submitted. This can happen for a variety of reasons, but typically this is due to the issuer or the remitter not being able to verify the details on the check... " This email makes it clear, in unambiguous language that someone at Chime reached out to the issuer/remitter of the check, i.e., my plan manager, to verify the check details. That, as it turned out, was a bald faced lie. 

I called my plan manager and specifically asked if someone from Chime had reached out to them to verify the details of the check they issued to me and the answer was a resounding " No! '' He also told me that should I contact Chime, he would be happy to do a three way call to confirm the legitimacy of my check, an option I was not offered by Chime. 

I called Chime and brought this to the attention of their customer service department and, even though they escalated my complaint to a manager, even though I specifically read the contents of their declination email, and related the conversation to my retirement account manger to the customer service agent, ultimately I was told that they would not give me any information about their decision making process. 

I asked to know what process they used to determine the legitimacy of a check. I specifically asked why they had not, as stated in the email, reached out to the issuer/remitter or perhaps if they used a service like XXXX, a company with an utterly horrible reputation for placing random, false information on a consumers record, declining to deposit or cash government/financial institution checks. The customer service agent declined to answer that question. At that point, I stated that Chime 's email to me stating their " reasons '' for declining to deposit the check seemed, at minimum to be a lie and at maximum, fraud. How these decisions are reached should be completely transparent between financial institutions and their customers. That this is occurring when so many people are in financial dire straits is unforgivable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have never done business with this company nor have I ever entered into a contractual relationship with them nor have they ever provided me with goods or services YET they have reported their fraudulent trade line against my SSN to all the credit bureaus as if we have entered an agreement. Over a year ago I asked them to provide me with the contract I entered with them or a business agreement with my signature ( to validate the account ) and they have YET to provide adequate proof. They have provided statements that appear to be doctored. That alone is NOT enough to validate the legality of said debt. Nor does it validate that I AM the person you seek. Every month they re-age their fraudulent trade line against my SSN to all the major credit bureaus Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation