vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Financial stated that I opened an account with them, thru Mattress Firm, in XXXX of XXXX for the amount of {$1200.00}. I have never opened any line of credit with them, nor do I have any association with this company. The account went unpaid and ended up with a negative balance of {$1300.00}. 

I have been sending letters with them, back and forth, since XXXX of XXXX to have this claim removed from my file and Synchrony has continued to " verify '' the debt being mine by sending a bill but has not provided me with any contracts, or documents, housing my signature that would truthfully verify that this debt is mine. 

In XX/XX/XXXX, Synchrony closed the account under " lost or stolen credit card '' and opened a new account under my name that same month. Last month, on XX/XX/XXXX, they reactivated the " lost or stolen credit card '' account, along with the open account and added extra debt to my credit file. Now they are claiming I owe a total of {$2700.00}, all while failing to provide me with any documentation that the debt is mine, nor any explanation as to why I am being asked to pay for, what is now, two accounts that are not mine.

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 2019-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute a fraudulent charge on my account of {$2000.00}, {$5000.00}, {$9000.00}, {$7500.00}, {$4500.00}, {$17000.00}, {$4100.00}, {$590.00}, {$3000.00}, {$2000.00}, {$15000.00}, {$860.00}, {$3300.00}, {$7600.00}, {$4400.00}, {$20000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

4. XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

7. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4100.00} -This is not my account. 

8. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$590.00} -This is not my account. 

9. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 


- COLLECTIONS - 10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$860.00} -This is not my account. 

13. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3300.00} -This is not my account. 

14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7600.00} -This is not my account. 

15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 

16. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -This is not my 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 explanation
Consumer complaint received 2019-05-24 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: CA

Complaint narrative:
I am writing to dispute a fraudulent charge on my account of {$2000.00}, {$5000.00}, {$9000.00}, {$7500.00}, {$4500.00}, {$17000.00}, {$4100.00}, {$590.00}, {$3000.00}, {$2000.00}, {$15000.00}, {$860.00}, {$3300.00}, {$7600.00}, {$4400.00}, {$20000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

7. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4100.00} -This is not my account. 

8. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$590.00} -This is not my account. 

9. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 


- COLLECTIONS - 10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$860.00} -This is not my account. 

13. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3300.00} -This is not my account. 

14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7600.00} -This is not my account. 

15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 

16. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My name XXXX XXXX, I've been XXXX from the US Military since XXXX. I'm now an XXXX year old man, and lve been XXXX for 48 years. I've recently pulled my credit to see what was on it. 

Apond pulling my credit I found several items that I never applied for, one item on my credit profile is a credit card from Navy Federal credit Union. 

I never applied for a card from this credit Union. If you look at my credit profile I have live only in one state after I XXXX from the Military in XXXX, I have not lived in no other state. I built my home here and have always live here in XXXX Florida. 

My credit have been used fraudulently and I am asking for this credit card to be removed form my credit profile. 

I have reached out to the three major credit bureaus and submitted a claim of fraud on my account. 

Per the 605b any fraudulent information on my credit profile needs to be removed within 4 business day upon my letter of request. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

{$3900.00} Balance Open XX/XX/XXXX Closed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On or around XX/XX/XXXX contacted TransUnion to dispute XXXX XXXX XXXX # XXXX ( CFPB Complaint : XXXX ). TransUnion, XX/XX/XXXX, Resolution Summary reflects disputed accounts DELETED. XX/XX/XXXX TransUnion Credit Report ( File Number XXXX ) reflects XXXX XXXX XXXX # XXXX TransUnion allowed a previously disputed, investigated, and deleted adverse account to be reported in my file. After I provided proof that this is not a valid debt as described in XX/XX/XXXX compliant this debit is not owed by me nor is it my responsibility because is was a bank error and payment was offered to the original credited on numerous occasions but rejected. Additionally, Federal and State laws provide for removal of false or inaccurate information on credit reports.  XXXX  XXXX XXXX  and XXXX XXXX XXXX, XXXX XXXX XXXX fraudulently reported an outstanding debt to XXXX after the court dismissed the case due to Georgia XXXX XXXX XXXX offered by the bank and myself to XXXX XXXX XXXX XXXX XXXX XXXX at XXXX and rejected. I am seeking damages from TransUnion for not permanently removing a previously deleted account from my file. TransUnion is allowing fraudulent practices of resubmitting the same report when it has been determined the original report was false.

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 2019-05-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I am writing this complaint because its been ignored by capital one and all three credit bureaus. 

My mother in law wanted to save me the aggravation of using my own credit cards when I pick up her groceries and medicine so she added me as an authorized user so that I can just put it on her card. 

Prior to her adding me she showed me that she paid her balance down because I did not want her credit card showing high usage as im due to settle on my house in a few days. 

Prior to her showing me her account was indeed under 30 % usage she made a payment but because of her age she forgets sometimes and paid with an account that was closed out. She did not mean to do that and I believe if you look through her account you can see she never had a returned check before in the past, Once we realized the check came back we immediately made another payment to bring the card back down under 30 % but within that same day you guys have already reported the account to the credit bureaus. 

We sent in a request to all three bureaus to update the new balance and we also requested this from capital one in which have all ignored us. 

I mean as a courtesy we are asking to understand her condition and why this occurred and also may delay or lose y house if this isn't corrected. Its been three weeks now and still no help.

Whomever receives this we ask that you can bless her by helping us out. 

Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
This is a medical debt. The hospital is balance billing me. I have asked for proof of dept. The collection agency is refusing to provide a valid proof of debt. They will only provide me with a copy of the bill from the hospital. My explanation of benefits clearly shows that I don't owe this amount. The debt collection agency is refusing to attempt to get anything other than a bill and has said " it's all the client provides. I have to pay. ''

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
They have been reporting late payments for the past 6 months when I am currently current. I have called Bank of America numerous amount of times to have them review my account, but I get no call backs from any of the departments. Bank of America is affecting all 3 of my credit fico scores. I ask that someone please step in and look into my account since I feel very powerless doing it myself. As stated before I have called different departments several times, and all I get is they will call me within 24 hours. I have left voice messages to the credit department and yet no call backs. The negative feedbacks left on my credit report are inaccurate, and by having these remarks on my credit file has affected me and my family in many different ways. In another not my original payment for this particular vehicle is less than what I summit every month as a payment, so that I am able to payoff this vehicle loan before my terms. I ask that this issue is considered highly and not to be disregarded, Thank You, 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 2019-05-24 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am writing this complaint because its been ignored by XXXX XXXX and all three credit bureaus. 

My mother in law wanted to save me the aggravation of using my own credit cards when I pick up her groceries and medicine so she added me as an authorized user so that I can just put it on her card. 

Prior to her adding me she showed me that she paid her balance down because I did not want her credit card showing high usage as im due to settle on my house in a few days. 

Prior to her showing me her account was indeed under 30 % usage she made a payment but because of her age she forgets sometimes and paid with an account that was closed out. She did not mean to do that and I believe if you look through her account you can see she never had a returned check before in the past, Once we realized the check came back we immediately made another payment to bring the card back down under 30 % but within that same day you guys have already reported the account to the credit bureaus. 

We sent in a request to all three bureaus to update the new balance and we also requested this from XXXX XXXX in which have all ignored us. 

I mean as a courtesy we are asking to understand her condition and why this occurred and also may delay or lose y house if this isn't corrected. Its been three weeks now and still no help. 
Whomever receives this we ask that you can bless her by helping us out. 

Thanks in advance

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 2019-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I was made aware of a negative mark on my credit profile on XX/XX/2019 claiming that I owe {$490.00} to Credit Collection  Services for an unpaid car insurance bill from XXXX. 

I sent a certified letter on XX/XX/2019 asking for them to verify the account in my name by providing a contract bearing my signature, as well as, the method in which the used to verify the debt. Upon receiving the letter back, all I got was a bill and them stating this was verification but the Fair Debt Collection Practices Act and the Fair Credit Reporting Act do not view that method as true verification. 

I have wrestled with them for the past few months and they continue to send bills requesting a payment instead of providing me with some sort of verification to validate that the debt is mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: RoundPoint Mortgage Servicing LLC
State: CO

Complaint narrative:
Round Point mortgage servicing refuses to acknowledge two inaccurate late payment marks on my credit report. I have been trying to get information and resolution for over a month. I have filed disputes with all three bureaus as well. Most recently I spoke with XXXX and was bounced around a call center for an hour. Still, nobody is able to help me. This is fraud on the part of Roundpoint mortgage servicing, and some quick research shows that they are a cut rate institution, and I am not alone in my complaint. 

I am under contract on a home, and their inaccurate and disingenuous practices are preventing me from obtaining a loan.

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 2019-05-24 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: WA

Complaint narrative:
I got an alert from XXXX XXXX that a collection report was added to my credit report. I do not recognize the debt, I was never contacted about the debt or furnished proof that it is mine. There is no information about when this debt was incurred and I have not seen any notification as to when it occurred. There is business name listed as XXXX XXXX of Washington but I know nothing about this debt and have never done business with them.

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 2019-05-24 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: NC

Complaint narrative:
I uncovered several addresses that I have never used or lived at after looking over my personal credit file. I also discovered multiple accounts ( listed ), several variations of my name I have never used and dozens of inquiries for accounts I never attempted to get. Personally, I recall receiving information stating that my personal profile was exposed during a computer hack involving XXXX in 2014. It is to my belief that this is where my information was discovered by someone who used it wit out my knowledge.

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 2019-05-24 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: NC

Complaint narrative:
I uncovered several addresses that I have never used or lived at after looking over my personal credit file. I also discovered multiple accounts ( listed ), several variations of my name I have never used and dozens of inquiries for accounts I never attempted to get. Personally, I recall receiving information stating that my personal profile was exposed during a computer hack involving XXXX in 2014. It is to my belief that this is where my information was discovered by someone who used it wit out my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I called Bank of the West on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to file all the fraudulent transactions that had happened to my account. I called back on XX/XX/XXXX, the representative who answered the phone call told me that I would get all the money credited back to my account by XX/XX/XXXX. However, I called in again on XX/XX/XXXX to get another update regarding my claims. The representative told me all the claims were denied and the reason they denied all the claims was due to some of the transactions were PIN required. In my affidavit, I already stated that my card was lost but they still told me those transactions weren't possible to be fraudulent. Moreover, the representative said since some of the transactions were PIN required, which means all the transactions were denied because of that. I don't think they do enough research and they shouldn't make decision based on other claims result. In the end, the representative even told me that I am no longer able to call in to file or dispute transactions in the future. I don't think they treated me fairly and take this matter seriously, moreover, they even violate my rights to have any reasonable questioning regarding all the transactions happened in my account. Bank of the West only try to avoid paying the customer back the money they got stolen from other people and never help the customer in any way. They lie to the customer first then find another way to stop the customer from getting their money back by the 10 business days deadline.

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