vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX, I contacted Care Credit Synchrony Bank to inform them I could no longer keep up the account. At that time customer service offer me a hardship program that was supposed to stop all late fees and interest, plus closed the account. The amount was agreed upon to be {$140.00} a month, which I paid faithfully. In XX/XX/XXXX, I was notified by email that my balance increased by {$1300.00} for interest applied. This contradict what I was told on a recorded line. When I asked for the manager to review the call and call me back no one returned my call, it's been over three weeks now. I requested a copy of the recording which Synchrony customer service rep advised me that would not be possible. I heard made several attempts to resolve this matter and the only option they have is for me to pay the balance in full to alleviate the interests which contradict the fact they put me on a hardship plan last XX/XX/XXXX. I'm requesting you investigate this company collection practices and audio recordings of my conversation with several reps that stated they never seen interest be applied to a closed 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 2021-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " YOUR EMAIL HERE ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have contacted Equifax numerous times since almost 2 weeks now but the issue has not been resolved. I can not login to my account to dispute a report. I have brought this issue to their attention, however, I am often getting the run around and they have not been able to resolve this issue. Hence, I decided to seek help here as my credit score is very important to me. I would like to resolve the dispute issue in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: MD

Complaint narrative:
I opened an account with US Bank XX/XX/2021. For the second time now, I have had problems with their reports to the 3 major credit bureaus. 

For example, XX/XX/2021, I paid out this account. I had no payment due at the time. But, I paid out the account because I had problems with their reporting just the month before where I paid on my account before the due date ( even then I had no payment due ). The report to the credit bureaus then indicated I had made no payment on the account, but that I had paid on time. 

So, XX/XX/2021, again, I had no payment due because of previous payments. On that date, I paid out the entire balance on this account 4 days before the payment due date of XX/XX/2021 ; and, 7 days before the statement closing date, XX/XX/2021. On today, XX/XX/2021 I received a notice from XXXX  Credit Bureau that I had an increased balance on one of my accounts ; it was US Bank again. According to XXXX, the report was issued to them today, XX/XX/2021. 

For this account, my payment due date is the XXXX of each month. The statement closing date is the XXXX. But, this bank reported my " balance as of XX/XX/XXXX '', which just happen to be the day I made the pay out payment. My receipt indicates the payment date of XX/XX/XXXX. 

It would seem this bank is reporting false information and actually closing out statements before the statement closeout dates in order to charge interest they would otherwise not receive! 

Please investigate their practice of credit reporting, payment due dates and statement closing dates. 

Thank you. 

PS. I have tried to copy and paste a copy of my credit report referring to this account, but couldn't get a clear picture. But, I have attached a copy of my most up to date, but redacted, account summary from US Bank and a copy of that payment receipt. 

If you need a copy of my XXXX  report to investigate this matter, please let me know. I'll call XXXX  to determine how to make a legible copy. 

Thank you again.

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 2021-06-04 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: CA

Complaint narrative:
There are two accounts on my credit report that do not belong to me they are not my accounts!!!!! I have opened an FTC I have emailed, mailed and made numerous phone calls to all the bureaus and the furnishers and they keep saying we will look into this or opena dispute yet nothing is being done I need help to resolve this why are the credit bureaus reporting incorrect information!!!! 

XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX XXXX {$34000.00} XXXX XXXX  XXXX - Acct # XXXX XXXX {$0.00} INQUIRIES Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

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 2021-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc.
State: TX

Complaint narrative:
date XX/XX/2021 I was the victim of identity theft. Someone opened up a credit account at Kickoff lending llc in my name. The reason Kikoff lending llc should be punished and looked at is due to the fact that I have and have had for some time a fraud alert on my credit report with all 3 credit bureaus currently. I also have a security freeze on all 3 credit reports at XXXX, XXXX  and XXXX XXXX. Kikoff lending llc NEVER attempted to verify my identity before they let someone open an account in my name. My fraud alert clearly states that a lender must verify my identity at the phone number listed before any accounts can be opened. Also, if you look on their website at Kikoff.com under support center then credit score then article on does a security freeze affect Kikoffs ability to report payments or open new accounts? No, a security freeze does not impact our ability to report payments or open new accounts. If a customer has a security freeze on their credit, we will still report their kikoff payments. this is inuriating that they let someone open up an account in my name without verifying my identity even with a fraud alert and security freeze on all 3 of my credit reports.

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 2021-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I applied to refinance with existing mortgage company 6 months ago. They immediately did an appraisal and charged me for it. I have been a customer with them for four or five years and never even had a late payment. I have submitted every document they have requested but nothing has happened. Meanwhile the rates have gone up and I would have to start over with another appraisal fee. I do not hear anything from them anymore. I should at least be entitled to a refund of the appraisal fee if nothing else. Each month that they do nothing cost me another {$250.00}. I am XXXX years old and this has been very very stressful for me. The name of the company is NewRez. My initial mortgage company switched me to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: CA

Complaint narrative:
There are two accounts on my credit report that do not belong to me I have tried disputing these with the bureaus and the frnsihers since 2019 and nothing I mean nothing is being done or said!!! I need help please this is identity theft and nobody cares to address it!! 

Account Name : XXXX Account Number : XXXX XXXX {$1200.00} Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX {$310.00}

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 2021-06-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have contacted Tran union for hard inquiries on my report. I have called for the last past two weeks for these to be removed and have not gotten any help. It also take them a long time to update your 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 explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I made a purchase on XXXX on XX/XX/XXXX, for {$69.00}, I received an email right away stating the received my order and would notify once it shipped, well its been a few weeks and I still haven't heard anything so upon doing some research I found the website was a scam, there is no way to get in contact with them, the email address they sent doesn't work, I contacted my bank to dispute it and they basically told me im XXXX out of luck, whether I received anything or not is not their problem its mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04 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:
There are two accounts on my credit report that do not belong to me they are not my accounts!!!!! I have opened an FTC I have emailed, mailed and made numerous phone calls to all the bureaus and the furnishers and they keep saying we will look into this or opena dispute yet nothing is being done I need help to resolve this why are the credit bureaus reporting incorrect information!!!! 

XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX XXXX {$34000.00} XXXX XXXX  XXXX - Acct # XXXX Amt {$0.00} INQUIRIES Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

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 2021-06-04 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:
There are two accounts on my credit report that do not belong to me they are not my accounts!!!!! I have opened an FTC I have emailed, mailed and made numerous phone calls to all the bureaus and the furnishers and they keep saying we will look into this or opena dispute yet nothing is being done I need help to resolve this why are the credit bureaus reporting incorrect information!!!! 

XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$34000.00} XXXX XXXX  XXXX - Acct # XXXX Amt {$0.00} INQUIRIES Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/2020 I had unauthorized credit inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: Conn's, Inc.
State: AL

Complaint narrative:
I did not make application to Conn 's XXXX XXXX XXXX. After XXXX investigated they agreed and stated they would remove inquiry Interview of my credit report it's still there. The removal was for XX/XX/2020 I have email to verify from conns

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX, the branch manager at US Bank in XXXX XXXX requested forms verifying my State of Ca paycheck in order to release my funds after my account has been closed. 

My HR department spoke with XXXX directly and submitted the forms he requested and he is now saying he does not know if he can release my funds back to me. 

My HR personnel confirmed with our State Controllers Office that the check did not return as they claim and was in fact processed, US Bank received the funds from my check on XX/XX/2021. 

Please review the attached documents. 
For one month they have continuously attempted to block every opportunity to release my funds.

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 2021-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: First Texas Auto Credit, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX Texas Auto Credit have threaten to repossess my vehicle and harassed closed friend and family over a my XXXX XXXX XXXX XXXX. I was also threaten that the vehicle would be removed from me even when I shared medical and personal reasons for the use of the vehicle ; then I made it very clear of my financial situation due to the current pandemic and I was still denied for this vehicle. Also, to my understanding according by federal law that if a firm/company is caught taking cash in a credit sale is illegal ( Title 15 usc 1601, 1602 & 1605 ). I have already paid {$8900.00} toward this vehicle towards illegal activity. 
The constant harassment calls to me and my family and friends has become very heavy on my family and I.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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:
There are two accounts on my credit report that do not belong to me I have tried disputing these with the bureaus and the frnsihers since 2019 and nothing I mean nothing is being done or said!!! I need help please this is identity theft and nobody cares to address it!! 

Account Name : XXXX Account Number : XXXX AMT {$1200.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX AMT {$310.00}

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 2021-06-05 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:
There are two accounts on my credit report that do not belong to me I have tried disputing these with the bureaus and the frnsihers since 2019 and nothing I mean nothing is being done or said!!! I need help please this is identity theft and nobody cares to address it!! 

Account Name : XXXX Account Number : XXXX AMT {$1200.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX AMT {$310.00}

Company response to consumer: Closed with explanation