vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
i had two synchrony bank credit cards ( one for XXXX and the other synchrony care card ). Both cards were cancelled unjustifiably. When I received a letter in the mail about the XXXX card, I paid the past due balance in early XXXX and they closed it on XXXX XXXX. My synchrony bank account was also closed last month and I was up to date on all of my payments. I was told that they apologize for the inconvenience, but I would still have to apply for another card since it was already closed erroneously??? That makes absolutely zero sense. They messed up my credit score with all of this and I want them to fix this immediately. I have seen the complaints recently and the main ones is the statements not matching, saying that the cusstomer is past due on payments when that is incorrect, and erroneously cancelling credit card accounts without permission or explanation. This gives me the indication that I am not the only one nor the last person who will go through this if they are not held responsible for not even attempting to resolve these issues. Messing with people 's livelihoods is not the type of company that I would like to do business with in the future. Also please note that even though my accounts have been closed. I still maintain my payments. So they can not say that I have stopped. They have also shut off my autopay without my permission which is why one payment was late with 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 2022-03-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Conn's, Inc.
State: NV

Complaint narrative:
there was a conns home plus opened in my name with a total amount owed of {$6000.00} and there was some balanced paid in there records and there saying i owe XXXX and there was a call got them stating they wanted to use the store insurance to get new items that were stolen so they have denied my fraud claim and told me i was a liar. i never have been in a conns or opened an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, and no one has been able to help me. Experian has not removed the this consumer from my credit report, despite my dispute requests. This is an account that was removed in XXXX once I paid the account in full. The consumer is unable to locate my account ( Account # XXXX ), but Experian says that the consumer is requesting for the account to stay on my report. I'm not sure how to have this removed from my credit report when the consumer can not locate the account, but Experian is advising that the account is valid. Please assist.

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 2022-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is the third time I have tried to get Truist bank to give me past bank statements demanded by Social Security XXXX. Without these bank statements from a closed account I am going to lose my benefits starting next month. XXXX from Truist called me twice over the past few weeks and all she does is lie to me and give me lip service and tell me the statements are in the mail. 

Today Social Security said if I dont have the statements next week theyre going to stop my benefits. Ive left several messages with XXXX from Truist and she never calls me back

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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FourLeaf Federal Credit Union
State: MD

Complaint narrative:
I have contacted Bethpage Federal Credit Union on XX/XX/XXXX and XX/XX/XXXX, and no one has been able to help me. XXXX has not removed the this consumer from my credit report, despite my dispute requests. This is an account that was removed in XXXX once I paid the account in full. The consumer is unable to locate my account ( Account # XXXX ), but XXXX says that the consumer is requesting for the account to stay on my report. I'm not sure how to have this removed from my credit report when the consumer can not locate the account, but XXXX is advising that the account is valid. Please assist.

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 2022-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX company performed a XXXX XXXX XXXX service for us between XX/XX/XXXX in connection with a home and office move. They sent a single invoice via email on Sunday XX/XX/XXXX. Shortly after the service was performed we moved. XXXX  never sent another email, letter or other communication about the invoice or payment. The next communication we received was on approximately XX/XX/XXXX from A.R.M. Solutions, on behalf of XXXX a debt collection service saying that the bill was overdue and in collections. I immediately calledXX/XX/XXXXto advise them that I was not even aware that the invoice had not been paid as we never receive any followup communication. I paid the invoice immediately via credit card. XXXX responded via email with a confirmation that the payment had been made. They also indicated that A.R.M. Solutions would be notified. The next communication was on approximately XX/XX/XXXX from A.R.M. saying the invoice was outstanding. I notified A.R.M. that it had been paid and demanded an end to the unjustified collection attempts. I also notified XXXX  The next communication from A.R.M. was on approximately XX/XX/XXXX making the same false and damaging claim. I called both XXXX and A.R.M. again with the same demand to cease the unjustified collection attempts. With XXXX  I spoke to a billing supervisor who said she has emailed her counterpart at A.R.M. to advise the invoice had been paid and was going to be sent the confirmation letter issued back on XXXX, XXXX, XXXX. I received yet another letter from A.R.M. dated XX/XX/XXXX making the same false and damaging statement that the invoice was still outstanding. These communications are harassing, disturbing and damaging to my business and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: UT

Complaint narrative:
My wife and I are having the same problems with Equifax Information Services, LLC and their violations of the Fair Credit Reporting Act for refusing to have reasonable procedures in place to ensure maximum possible accuracy. I know my rights and I am being damaged by Equifax Information Services, LLC 1. Last week, I submitted CFPB Complaint # XXXX for the same reason I am submitting this one. 2. Equifax Information Services, LLC chose to continue to harass me and refuse to delete inaccurate information from my consumer file and consumer reports, and refused to provide full 609 disclosures as I have requested more than once. 3. Equifax Information Services, LLC has chosen to respond by requesting my ID and utility bill that I already sent them back on XX/XX/2021. These are just stall tactics. I and my family are being continuously damaged by Equifax Information Services , LLC and their violations of the Fair Credit Reporting Act. They are reporting and including information in my consumer file of entities that do not exist. There is no way for them investigate any information with a company that does not exist and that they have not provided me with contact information to contact myself. They are required to immediately and permanently delete every account that I have disputed, and provide the full 609 disclosure in writing without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Someone is using the phone number XXXX pretending to be Wells Fargo. Please alert callers. This phone number does not belong to Wells Fargo.

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 2022-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I took part in a promotional solicitation offer by Amex to upgrade my credit card product ( paying an additional annual fee ). This was an offer to try a more premium card in exchange for some points. After trying the card for nearly a year, I decided to downgrade back to my original card. Amex then contacted me and removed the points awarded from the promotional offer. 

I was told that because I did not re-up on the annual fee for another year, they were retroactively removing points awarded 9 months ago. This seems like a " have it both ways '' situation on their part. I was an honest participant in their offer, and decided the product wasn't for me. They then penalized me for it using fine print terms I wasn't even aware of. 

XX/XX/21 : Amex emails me offering me XXXX Membership Rewards points for upgrade from Amex Everyday card ( no annual fee product that I have ) to Amex Every Preferred card ( {$95.00} annual fee ). The promotional offer requires that I spend {$2000.00} within 3 months. 

XX/XX/21 : Amex sends a reminder email about their offer XX/XX/21 : I accept the Amex upgrade offer XX/XX/21 : I spend {$4400.00} on the card, fulfilling the term of the offer XX/XX/21 : Amex emails me confirming I fulfilled the terms of the offer and awarding me the XXXX points. 

XX/XX/21 : I downgrade the product back to my original card ( Amex Everyday, no annual fee ). I tried their product for a lengthy period of time and determined that I didn't get the additional value advertised to be worth it. 

XX/XX/21 : Amex emails me that they have deducted the XXXX points from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: GA

Complaint narrative:
I requested a loan deferment in XXXX and resumed payments 12 months later. XXXX XXXX told me that the deferment amount ( principal and interest ) would be added to the end of the loan. 

I requested a loan payoff in XX/XX/XXXX. They gave me two amounts-the original principal remaining ( approx $ XXXX ) at 4.125 % and the deferred amount ( approx $ XXXX ) at 0 %. I sent in a payment for $ XXXX and the applied $ XXXX to the deferred amount and {$210.00} to the principal. Therefore, my new balance is $ XXXX that is accruing interest at 4.125 %. I believe they should have applied all the $ XXXX to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Carvana Group, LLC
State: GA

Complaint narrative:
Continuous errors on Carvana 's behalf. My vehicle is jointly owned. Originally, they only had 1 owner on all the paperwork. Caught that mistake, had to send all paperwork back out to be corrected. They've issued me a temporary extension ( tag ) which is not valid for the State of XXXX. I learned this via State Trooper on XX/XX/XXXX. The current extension is for the State of XXXX ( Their base ). Purchased my vehicle on XX/XX/XXXX. Its been 3 months and I have yet to receive my registration nor can they issue me an extension on my currently expired registration which means I have a car I am currently making payments on which I can not legally drive and I have been driving my vehicle without a valid tag for all 3 months. I am in the XXXX. The military does not take transportation issues as an excuse. Their solution is to have me continue to wait on the registration department and a {$500.00} rental reimbursement which will take another 45-60 to receive. {$500.00} doesn't even cover a rental for a week. The perfect solution would be my registration, expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I noticed unauthorized inquiries on my credit report. Some one else applied in my name. 

According to the FCRA, these UNVERIFIED and UNATHORIZED inquiries must be remove. 


credit bureau name : TRANS UNION INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( they did a hard inquiry twice on this on only delete one ) 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 2022-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX Apparently this person forgot to mention the very large IRS Tax Fraud scheme she was involved in back in 2008. I've attached the filing for review.

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 2022-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings
State: NV

Complaint narrative:
i seen on my credit report that there was a loan taken out under my name from rapid cash or speedy XXXX  for {$360.00} and i never opened the account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I noticed UNAUTHOEIZED INQUIRIES on my credit report. Someone else applied with my name. 

According to the FCRA, these unverified and AUNAUTHORIZED inquiries most be remove. 

credit bureau name : EQUIFAX XXXX XXXX XXXX INQUIERIES : 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 2022-03-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Pursuant to 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

Bridgecrest has mailed letters to my place of residence which serves as a form of communication.

Pursuant to 15 U.S.C 1692 Section 804 ( 2 ) ( 2 ) not state that such consumer owes any debt ; Bridgecrest has mailed a letter stating I " owe and alleged debt '' ( not state that such a consumer owes any debt ).

Can you reference the federal law that states I owe the debt under the Federal Debt Collections Act? Does your contract supersede federal law?

Bridgecrest has a legal obligation to abide by federal law under the Federal Debt Collections Practice Act. Bridgecrest has not provided an appropriate federal law to respond to my CFPB complaint. Once again the federal law under the Federal Debt Collections Act governs your contract. Please review your incorrect response and respond accordingly as you have violated federal law by indicating on your letters that This is an attempt to collect a debt. Any information obtained will be used for that purpose. 

Please note based off the federal law I provided in my CFPB complaint that statement is illegal and potential legal actions could be faced by your company if the law is not followed.

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 2022-03-08 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: TN

Complaint narrative:
After viewing my most recent credit report, I noticed unauthorized inquiries. I have never give consent for these company to pull my credit report :

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 2022-03-08 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: CORELOGIC INC
State: NC

Complaint narrative:
I have a hard pull by Credco on my report from XX/XX/XXXX that I did not authorize. The only hard pull I have ever authorized on my account in my whole life was in XXXX of XXXX for my car and my first and only credit card a week or so later. I have NEVER applied for a mortgage or any other kind of loan and did not authorize this hard pull. Now I am trying to apply for a Mortgage and see this and am furious about it, this fraud needs to be removed from my credit report and the company that committed the fraud needs to be reported.

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 2022-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom this may concern, I had requested my first free credit report from and had noticed some discrepancies in my report. There seems to be a couple of inquiries on my credit report that were made by various institutions with whom I did not apply nor indicated that I was applying for credit.

Due to the fact that I was succumb with family issue, I was unable to bring myself to write this letter concerning this malicious act. This is a request to reinvestigate and remove the al inquiries from my report since I am not responsible for these inquiries All of these inquiries were not made nor authorized by myself. To clarify, I did not, at any point, authorize a third party to access credit file in assisting me to obtain credit, nor did I apply for any services, and nor indicated at any point that I was applying for credit. Please investigate this malicious act and remove all these credit inquiries from my report.

I understand that you will check each item listed above with the credit grantor reporting the information, remove all information on my report that the credit grantor can not verify. Because I am requesting this reinvestigation after receiving a copy of my credit report from you, you must complete your reinvestigation within 45 days of receipt of this letter. ( 15 U.S.C ~1681j ( a ) ( 3 ). )

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 2022-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: IL

Complaint narrative:
The credit card is the US Bank XXXX XXXX card. One of the advertised benefits is they will reimburse you for XXXX. This was the first charge that I had placed after I received the card back on XX/XX/XXXX. After my statement closed and I noticed I didn't get reimbursed, I called and was first told it could take a couple weeks. When that didn't happen the next person I called told me it could take 6 to 8 weeks after the purchase was made to receive it. When that didn't happen the next person said he had no idea when I would get reimbursed and couldn't give me a reason why it was not happening. 

Hoping to get better results, I contacted a member from their social media team on XXXX. This person actually contacted me on the phone and seemed to understand my problems and concerns. He told me he would submit a complaint on my behalf to corporate. He stated " this will usually light a fire under their XXXX '' and I should expect a call within a few days. This took place on XX/XX/XXXX. I haven't heard anything back yet. It has been 10 weeks since this purchase was made and I haven't received anything other than one sorry excuse after another.

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