vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-13 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was on vacation in California, in late XXXX this year. My wife needed a new swimsuit, so we went to Kohls. We had left our Kohls card in my wife 's purse at my Parents ' house, so I had the cashier look me up using my social security number and state ID. 
I was surprised to see someone else 's name and address pop up on the screen. 
It turned out that our account was under my wife 's name, and my social security number was being used by someone else. 

I immediately called Kohls on XX/XX/XXXX to file a dispute. I was told that a dispute was in place, and a letter would be sent to my address. 

As of XX/XX/XXXX that letter had not arrived, so I called Kohl 's back. It turned out that no dispute or fraud claim had been filed because my birthdate and the birthdate on the account were different, but the representative assured me that they were placing a fraud alert on the account, and even gave me a confirmation number. 
In the meantime, I set up an account with the FTC and started an identity theft recovery plan. I also put a freeze on all the credit bureaus ' reports. 

XX/XX/XXXX I received a letter from Kohl 's addressing a dispute of charges to that account. The letter had my correct address, but it still had the other person 's name in the address line.

Again I called Kohls. It turned out that there had not been a fraud alert placed on the account again. The representative assured me that the account would be " taken care of. '' When I asked if it had been closed, the call disconnected. 
Meanwhile, my wife had also received a letter that someone had tried to use her social security number to apply for a Kohls credit card. We called and cancelled her account. 
As I was searching the web to see if other consumers had similar issues, I noticed that the FTC had sued Kohls in XXXX for not providing information to their customers who were involved in identity theft, and now they are required to do so in a " timely manner. '' It turns out that Kohls seems to have a data breach problem with very little incentive to do better. It's not worth the 30 % off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: Common Wealth Mortgage Services
State: NV

Complaint narrative:
My husband and I ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) have a mortgage with Intercap Lending and we pay XXXX a month. We acquired our home in XX/XX/XXXX. The three credit bureaus have not been reflecting our mortgage payments on either of our credit reports. We have contacted XXXX XXXX and they say they are reporting but when we contact the credit bureaus they do not see the information. We had a bankruptcy discharge in XX/XX/XXXX and since then we have had this issue. Please help us fix this issue since its affecting our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Syncb is suing me in court for an disputed debt that has not been validated as to be mine. The debt has been disputed and legal action was their first form of communication regards to this allege debt.. My personal information was sold and brought in efforts to collect a debt for profit and gain. I have never a signed an agreement or contract with Synccb. 

Pursuant to ( 15 USC 1692 ( k ) ) states any debt collector who brings on any legal activity must have a signed contract or agreement in which you are suing the consumer for. You are not authorized to bring forth any legal actions against me regarding an allege debt. Any debt collector who fails to comply with any provision of this subchapter in 15 UCS 1692 with respect to any person is liable to such person in an amount equal to the sum of nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.

USC 15 1692 ( e ) States a debt collector may not use any false, deceptive, or misleading representation or any means in connection with the collection of any debt. The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
The false representation ofthe character, amount, or legal status of any debt ; or any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
The false representation or implication that any individual is an attorney or that any communication is from an attorney. 

Their attorney communicated with me in court and stated that I had to pay their allege debt or go back to court. My rights to privacy has been violated for this debt and has become a public matter. This company willfully took action to enforce liability on me. 

This has affected my credit worthiness, ratings and reputation and has caused physical, emotional damage.

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 2021-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX, I received an email appearing to be from XXXX XXXX, my contact for one of our vendors, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX email is XXXX. For several months, we have sent bill payments to XXXX by ACH transfer, based on information provided by XXXX. The email I received XX/XX/XXXX included prior legitimate emails between XXXX and me in what appeared to be a continuation email to me in that stream but using the email address XXXX ( extra XXXX after construction ). The fake sender informed me that a new bank account should be used for the next ( and future ) payments to XXXX. The sender provided the new bank information by entering it directly on the ACH form that we use for our company account at XXXX XXXX XXXX. A payment of {$75000.00} was due to XXXX at the time, so I used/submitted the ACH form ( w/scammer 's bank info as recipient ) to transfer funds immediately thereafter. 



The forged bank information was discovered XX/XX/XXXX when XXXX XXXX sent a copy of their latest bill and informed me that no payment had been received for their prior bill. I informed XXXX of the modified bank information that had been entered on the ACH form, and she confirmed that she did not provide that information and that their bank account had not changed. I immediately alerted XXXX XXXX, my contact at XXXX XXXX XXXX, of the circumstance and provided a copy of the ACH form that had been submitted previously with the forged account information ( PNC Bank, Routing No.XXXX, Checking Account No. XXXX in the name of XXXX XXXX XXXX ) XXXX XXXX XXXX at XXXX XXXX XXXX contacted PNC regarding the improper transfer, but PNC would not speak with her regarding this matter because " she is not their customer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: MA

Complaint narrative:
I am XXXX XXXX, the consumer and natural person under law and I am submitting this complaint myself and there is no 3rd party involved. My federally protected consumer rights have been violated pursuant to 15 U.S.C 1681 Permissible Purpose of credit reports. The Fair Credit Reporting Act has been put in place to ensure that consumer reporting agencies maintain fair and equitable reporting. The attached letter contains accounts that are not fair and equitable to me as the consumer. I sent the attached letters XX/XX/2021 and I have yet to receive any response from the consumer reporting agencies listed. Please investigate this issue immediately. I am prepared to seek all proper remedies in this matter. The attached letter contains the the accounts that are adversely affecting me. Reporting Act 15 U.S.C 1681b Permissible purposes of a consumer report, which clearly states that .Any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 1 ) In response to the court order of a court having jurisdiction to issue such an order or subpoena issued in connection with proceedings before a Federal grand jury 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave any written consent to report anything on my consumer report, and no court order having jurisdiction to issue such an order or subpoena issued in connection with proceedings before a federal grand jury has been issued. Also, I have not authorized any of these transactions. A consumer credit report should be equitable and fair to the consumer and should not contain any information that is adverse to the consumer pursuant to 15 U.S.C. 1681d Disclosure of investigative consumer reports. The following information is adversely affecting me and is a violation of my consumer rights. I have listed the items in the attached letter and below which are in violation of the FCRA and need to be deleted from my credit file immediately. my credit file immediately 1.XXXX XXXX Account Number : XXXX 2XXXX Account Number : XXXX 3.XXXX Account Number : XXXX Please follow the law. The response of " Unauthorized third party '' will not be accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
I HAVE BEEN TRYING TO SAVE MY HOME FOR THE LAST YEAR GOING BACK AND FORTH WITH FLAGSTAR WITH THE HELP OF MY COUNSELOR XXXX XXXX. 

WE HAVE PROVIDED EVERY DOCUMENT THAT THEY HAVE ASKED FOR BUT THEY CONTINUE TO MESS UP ON MY LOAN. I AM TRYING TO SAVE MY HOUSE AND I AM ABOUT TO LOSE IT BECAUSE THEY DON'T WANT TO HELP ME. 

EVERY BANK STATEMENT THEY ASKED FOR HAS BEEN PROVIDED AND EVERY DOCUMENT THEY HAVE ASKED ME TO CORRECT HAS BEEN PROVIDED. WHERE DOES THE RUN AROUND END! WHEN I LOSE MY HOME TO FORECLOSURE SALE BECAUSE THEY FAILED 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 2021-09-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I made a purchase on XXXX and paid for it with the XXXX credit card from Synchrony Bank. About 15 minutes later I received an e-mail from XXXX that the charge had been denied and advising me to contact Synchrony Bank. I called the Bank, spoke to a representative and then asked to speak to a manager. The manager informed my that the Banks credit terms provide that the Bank can cancel the credit card for any reason. I said I have no problem with that ; I have a problem with not being notified that the card has been cancelled! Her response was " We don't HAVE to notify you. '' Consumers should not have to use a CC, have the charge refused, and then call the issuing company to learn that the card has been cancelled. If the CC company can send notification of interest rate changes, arbitration changes, minimum payment changes, etc., they can certainly send a notification that the card has been cancelled!

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 2021-09-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: NC

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im send over paper work from Equifax show they deleted these hard Inquiries. But they still there I even send over FTC report..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I was going for loan of $ XXXX with my TD Bank , on XXXX. 
I already have XXXX $ in checking account of my T.D.Bank account from last one year.Before that I was denied for credit card of T.D.Bank telling that it was decision from back office based whole or in part of information obtained in a report from consumer reporting agency.Again same reason for loan. 
I told that I am doing permanent job and if you need any other document from my employer, then I am ready to do that. 
I also explain that, if you want this money transfer in to C.D. for five year, I am also ready for that. Ultimately, I want to put my XXXX $ in fix & want loan from that.ANYHOW, I want loan from my money in checking account. Then, they refused & same reason. 
I donot understand, why should I am not getting money on my own checking account or on my request for CD. 
Please reply me ASAP.Thanking You,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Someone placed a credit freeze on my Experian credit monitoring account unbeknowst to me someone in the medical legal field decided to call in this freeze and wreck my credit. It took me several years to figure it out since my phone number had changed also. These professionals were retalitory since I had turned them in for workers comp fraud. 

To no avail and XXXX withheld benefits from my claim when my attorney XXXX XXXX and his case manager XXXX XXXX XXXX began to character defame me- as well as XXXX XXXX ( also a XXXX ) who listed my main injury XXXX XXXX XXXX and XXXX as the XXXX XXXX to protect my XXXX XXXX XXXX XXXX and his XXXX XXXX XXXX XXXX who wrote fraudulent reports as did XXXX XXXX DC. Both owners in XXXX XXXX XXXX gee a conflict of interest! Dirty play- yes indeed! 

My turn down for credit was high since no one could contact me at the new number. These people at XXXX who run my life are not honest and are dangerous. XXXX XXXX XXXX does need proof and that's a real life testament to XXXX XXXX corruption!!! And a XXXX community that hurts others for their esteemed XXXX XXXX XXXX. 

Now there are only so many people who have all my private infornmation and would retaliate and lie- XXXX  XXXX XXXX XXXX and XXXX XXXX my attorney. either way Experian needs to make ure the actual customer is placing freezes and not as in my case someone else!

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 2021-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/XXXX a phone number ( XXXX ) XXXX and ( XXXX ) XXXX called my family members and spouse trying to retrieve my personal information stating I wrote a bad check in XXXX and that navy federal is suing me and. ( I did not write any checks with them in that year and Navy federal has never reached out to me in regards to that. They became belligerent on the phone cussing at my fiance for asking who they were and to stop calling. When you call all they say is " law office how may I help you '' they were telling personal information about a " case '' with my parents. Gave them the attorney name XXXX XXXX with case number XXXX and that I am being sued and that my father was also co signed on a loan by me. My parents are not in even the same state as me. I don't even know how they got their new numbers and my fiance 's new number. I have not received anything by mail or phone in regards to this matter they speak of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Lets just say for many years but let 's just talk about 2021. So Since XXXX of 2021 every single month untill which is XXXX I have disputed/pleaded and requested for XXXX /Equifax and XXXX to do their job. I have requested all 3 every single month to do a independent investigation on Certain things which inaccurate and falsely reporting on my credit files.Instead of following the FCRA Guidelines and doing a independent investigation on my behalf they have refused and keep defaming me and families by name falsely reporting these inaccurate and fraudulent activity which is in accurate or doesn't belong to me.. 

This includes Late payments when I was never late /inaccuracy in their own payment reporting history like XX/XX/XXXX30 late/XXXX  30 late/XXXX OK XXXX 60 late and XX/XX/XXXX30 late again Also reporting the same account twice same furnisher same dates same amount due literally the definition of double jeopardy. 

To Reporting collections like a apartment in a city I have never lived or will live To not reporting a statement of this account is being disputed To even reporting on a Account I closed months ago and was reporting as closed to currently 60 or 90 days late with a balance but still closed that because of their false reporting just dropped my score from a XXXX to a XXXX And alot more I can tell you once this taken care of to start And because of these inaccuracies and lies have caused me to lose numerous loans for my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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:
Lets just say for many years but let 's just talk about 2021. So Since XXXX of 2021 every single month untill which is XXXX I have disputed/pleaded and requested for XXXX XXXX and Expe

rian to do their job. I have requested all 3 every single month to do a independent investigation on Certain things which inaccurate and falsely reporting on my credit files.Instead of following the FCRA Guidelines and doing a independent investigation on my behalf they have refused and keep defaming me and families by name falsely reporting these inaccurate and fraudulent activity which is in accurate or doesn't belong to me.. This includes Late payments when I was never late /inaccuracy in their own payment reporting history like XX/XX/XXXX30 late/XXXX 30 late/June OK XXXX 60 late and XX/XX/XXXX 30 late again Also reporting the same account twice same furnisher same dates same amount due literally the definition of double jeopardy. 

To Reporting collections like a apartment in a city I have never lived or will live To not reporting a statement of this account is being disputed To even reporting on a Account I closed months ago and was reporting as closed to currently 60 or 90 days late with a balance but still closed that because of their false reporting just dropped my score from a XXXX to a XXXX And alot more I can tell you once this taken care of to start And because of these inaccuracies and lies have caused me to lose numerous loans for my business.

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