vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I have an XXXX MasterCard credit card issued by Synchrony Bank. Per cardmember agreements, I am supposed to receive 5 reward points per dollar spend at XXXX. However, I have not received the correct reward points since my statement closing on XX/XX/XXXX. For the statement closing on XX/XX/XXXX, I spent {$9100.00} on XXXX and is supposed to receive XXXX points on XXXX spend but only received XXXX points. For the statement closing on XX/XX/XXXX, I spent {$10000.00} on XXXX and is supposed to receive XXXX points on XXXX spend but only received 0 points. For the statement closing on XX/XX/XXXX, I spent {$10000.00} on XXXX  and is supposed to receive XXXX points on XXXX  spend but only received 0 points. Please refer to details in the 3 monthly statements attached. Also, in each statement, under the " reward information '', it also clearly states the following : " you will earn 5X points on your XXXX purchases for the rest of the year. 

Synchrony Bank informed me that the reason is that purchases with details XXXX XXXX XXXX are not considered XXXX spend. However, ever since my credit card account was opened in XX/XX/2019, all my purchases with details XXXXXXXX XXXX XXXX were considered XXXX spend and earning 5x points. Apparently, based on Synchrony Bank 's response, Synchrony Bank has only recently changed their rewards policy for the statement periods I stated in the complaint. Since Synchrony Bank has never informed cardmembers of such change in reward policy, Synchrony Bank should not use it as a reason to not award 5X points. Those purchases should still be entitled to 5X points.

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
Consumer complaint received 2021-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have tried contacting them on multiple occasions through the mail over the last year and I have yet to receive a response. This company is affecting my credit and hindering me from obtaining a loan for a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Reason for this dispute is a Unknown account from CREDENCE RESOURCE MANAGE # XXXX. 
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) as well a complain under FDCPA 809. Validation of debts ... ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, The specific information under dispute is the derogatory nature. 
Should be held liable under 1681e ( b ). As an overwhelming weight of authority holds that credit report is inaccurate either when it is patently incorrect or when it is misleading in such a way and to such an extent that is can be expected to have an adverse effect. '' Khan v, Equifax Information Service, LLC No.18-cv-6376 ( MKB ) ,2019 wl 2492762, at*3 ( E.D.N.Y. June 14,2019 ) ( collecting cases. ) 15 U.S.C 1681i ( a ) ( 1 ) based on the accuracy of the credit report concerns about the reinvestigation of information and lousy attempted was done clearly. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. 
Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-15 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: AL

Complaint narrative:
I pulled my Consumer report and I am deeply disturbed and ashamed of the things I saw on my report! you guys are reporting misleading, false, and inaccurate information which is clearly an FCRA and FDCPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC overaccounts PORTFOLIO RECOVERY ASSOCIATES # XXXX, Third-Party Collection Agency unable to validate debt. Other problems have included debtbuyers selling with accounts with one creditor and then being collecting by another whoallegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputesbetween debt buyers over who owns which account when buyers have purchased partialportfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtorsaccount ), or debt buyers attempting to collect monies in excess of the balance of apreviously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that proof of Claim and verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: VA

Complaint narrative:
On XX/XX/2019 the follow message was sent to the apartment complex : Hello xxx, After careful deliberation I would like to proceed with option number one of the buyout options. This email will serve as my 30 day WRITTEN notice that I will be vacating the premises on XX/XX/2019 and moving into my new residence. My decision to vacate and break this lease is as following : Repairs from XXXX are still not fixed such as : missing screen of window and main entrance door still bended in Pest problem is horrible, when pest control came it made the problem worse Roommates moved out and I can no longer afford the monthly rent on my own without being able to live life comfortably. 

And the property isnt well kept among other things. 

I will appear to court on XX/XX/XXXX as requested, but I have no intentions of continuing to occupy this apartment after the XXXX. This email should serve as my notice to vacate. If I need to provide a court ordered document please let me know ASAP, but please honor this as my 30-day notice. 

Lastly, please provide any forms that my guarantor and I need to sign and we will pay the {$1700.00} before we move as your previous email stated. 

Thank you and I look forward to hearing from you soon. 

Respectfully, XXXX On XX/XX/2019 this email was acknowledged by apartment complex and signed agreement and lease buyout forms. On XX/XX/2019 I appeared to court for unlawful detainer case. I submitted my lease buyout fee that equaled to a months rent and vacated on the date I said i will the judge dismissed the case as a non-suit. After following the complex terms, paying them and vacating willing all a part of our agreement they still sold an unverified debt to National XXXX audit collectors on XX/XX/2019. I disputed this with all 3 credit bureaus and only 1 out of 3 removed it from my credit. National credit audit corporation refused to remove it off of my other two reports. The original creditor did not verify this collection they sold it to national credit audit and there was NO written form of communication, contract, or written signature for the accused at all. A bill without signature does not validate a debt and anyone can send me a bill saying it mine. According to the FCRA ( National Credit Audit Corp ) has violated my rights as a consumer and I am requesting legal action to remove this account AS SOON AS POSSIBLE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: AL

Complaint narrative:
In XXXX my card was stolen and all th money was used.i notified the company as soon as I found out and they started the dispute and ultimately gave me a provision credit but reversed it a couple of weeks later. So the negative balance means that my weekly unemployment was feeding this over {$4000.00} balance so I lost twice the money. They said there was conflicting evidence and that was that the XXXX  who stole it went to some of the same stores I shop at but the thing is we live in a very small town and these stores are our only options so everyone here goes to the same places. The other charges were places I've never been shopping at. Fast forward to XXXX and I notice more charges I did not make and they are all online purchases I report them and the women says she started the dispute but never did. So about XXXX more was stolen from me and they wont fix this now. I filed another dispute but it was denied. My family has suffered enough now we are losing our home. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I received some texts and calls from phone number ( XXXX ) XXXX XXXX with pictures of my social security card and driver 's license. When I went to lock my credit on XXXX it showed that I had 4 hard inquiries to open credit that were fraudulent and lowered my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC overaccounts : XXXX XXXX XXXX XXXX XXXXXXXX {$430.00}, XXXX XXXX XXXXXXXX {$660.00}, XXXX XXXX XXXX, XXXX XXXX XXXX {$480.00}, XXXX XXXX XXXX XXXX XXXX {$410.00}, XXXX XXXX XXXX XXXXXXXX XXXX {$2900.00}, XXXXXXXX XXXX XXXXXXXX XXXX {$1500.00}, XXXX XXXX {$2600.00}, XXXX XXXX XXXX {$570.00}, XXXX XXXX XXXX $ XXXXThird-Party Collection Agency is unable to validate the debt. Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtor 's account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that Proof of Claim and verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC overaccounts : XXXX XXXX XXXX XXXX XXXXXXXX {$430.00}, XXXX XXXX XXXX {$660.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$480.00}, XXXX XXXX XXXX XXXX XXXX {$410.00}, XXXX XXXX XXXX XXXX XXXXXXXX {$2900.00}, XXXXXXXX XXXX XXXXXXXX XXXX {$1500.00}, XXXX XXXX {$2600.00}, XXXX XXXX XXXX {$570.00}, XXXX XXXX XXXX $ XXXX.Third-Party Collection Agency is unable to validate the debt. Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtor 's account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that Proof of Claim and verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX DOB XXXX SS XXXX I have a few addresses that are not correctly showing on my credit file that needs to be updated. My only address isXXXX XXXX XXXX XXXX IL, XXXX. PLEASE DELETE THE FOLLOWING ADDRESSESXXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2021-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX DOB XXXX SS XXXX I have a few addresses that are not correctly showing on my credit file that needs to be updated. My only address isXXXX XXXX XXXX XXXX IL, XXXX. PLEASE DELETE THE FOLLOWING ADDRESSESXXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX DOB XXXX SS XXXX I have a few addresses that are not correctly showing on my credit file that needs to be updated. My only address isXXXX XXXX XXXX XXXX IL, XXXX. PLEASE DELETE THE FOLLOWING ADDRESSESXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 non-monetary relief
Consumer complaint received 2021-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I became aware that there was a new Wells Fargo checking and savings account that were part of my online account. I did not authorize those accounts to be opened, and given Wells Fargo 's track record with opening unauthorized accounts, I immediately reported it to them. They've indicated it's going to take 2 weeks to investigate. And meanwhile, they've apparently locked me out of my online account access.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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: AL

Complaint narrative:
I pulled my Consumer report and I am deeply disturbed and ashamed of the things I saw on my report! you guys are reporting misleading, false, and inaccurate information which is clearly an FCRA and FDCPA violation. you guys have caused me to go into distress because you are reporting false/inaccurate information making it hard for me to move forward in life because I'm getting denied for things because of your false reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
This happened on XX/XX/XXXX. Was contacted by who appeared to be my financial institution as shown by my caller id, and stated that my account had been hacked. Then proceeded to tell me that {$3500.00} was wired out of my account through XXXX which I do not have an account, but is a third party app on the banking app. They then told me that the money would be credited back to my account in my name, but it did not. I contacted my bank, which is Bank of America and a fraud claim was filed on XX/XX/XXXX. I have called them 3 different times and am getting nowhere with them, and am not getting any answers as to where my money is, or where it was sent, or whom it was sent to. They even told me that I would get an email with an update on where things are with this issue on XX/XX/XXXX, but never did. So when I contacted them again on XX/XX/XXXX, they told my they had no record of anyone even telling me that I would receive an email on that date. I am getting no definate answers in this either way, and am growing very frustrated especially knowing this type of fraud is very common with Bank of AmericaXXXX, and they are doing absolutely nothing at all to prevent this from happening to any of their account holders.

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
Consumer complaint received 2021-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Capital one has not sent my monthly statements. I spoke to XXXX a supervisor at capital one. He stated capital one has been experiencing delays due to the post office. I explained I have been randomly calling in to make payments but have not received a monthly statement thus far! The company refused to correct the fees and update my account. I feel that the company is intentionally exploiting card members financially during this pandemic. They overcharging the customer to get the member at a large monthly amounts through fees so the account will always owe more for a longer period of time and potentially can not every pay off the balance. It appears to be a scam or fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
Synchrony Bank sent me a bill for a PayPal Credit account ending in XXXX. 
Balance as of XX/XX/2021 : {$370.00} Minimum payment due as of XX/XX/2021 : {$180.00} CREDIT ACCOUNT WAS CREATED WITHOUT MY AUTHORIZATION and Synchrony Bank acknownledged my complaint on XX/XX/2021, when I first reported PalPay Credit account no. ending in : XXXX ( Unauthorized. ) I closed my PayPal account when an unauthorized PayPal Credit account charge was noted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-15 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Hard inquiries on my credit to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-15 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: Windham Equity Company
State: ME

Complaint narrative:
The company Lease and Rental ( now auto use auto loan ) continues to report inaccurate information to my credit report. I requested the company to supply me with all information regarding the account and sent a validation letter. The company has not responded to any of my requests and I have mailed multiple letters. The company does not delete the account from my credit reports and continues to report inaccurate information. Recently the creditor updated the account from a dispute and caused my fico score to drop 21 points because it calculates a missed payment although I have not missed a payment in over 2 years. This drop in score has disqualified me for a pre-approval for a mortgage and leaves me at risk for being homeless because my landlord is selling the building and future buyers may require my family to vacate.

Company response to consumer: Closed with explanation