vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
There are four ( 4 ) unauthorized postings on my TJX Credit Card : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each for {$38.00}! 

The alleged merchant : XXXX  XXXX  XXXX.XXXX XXXX  MN I NEVER heard of this outfit and NO nothing at all about it! 

BUT TJX CREDIT CARD refuses to stop this alleged merchant from charging my said TJX CREDIT CARD! AND SAYS IT SHALL TAKE UP TO TWO ( 2 ) MONTHS BEFORE IT DOES SO. OUTRAGEOUS!

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 2021-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase offered XXXX XXXX points if we would acquire a mortgage through them. The loan officer told us we had to continually pull our credit through the closing process to retain all benefits related to the mortgage. Before closing, we verified the fulfillment of the term. Chase advised me that their teams weren't familiar and gave me misleading information and will refuse to honor the offer for the credit card rewards. 

Chase employees deceived me and misled me and refuse to honor their promise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-05 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: FL

Complaint narrative:
THE ACCOUNTS LISTED AE FRAUDULENT SOMONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelson Cruz & Associates LLC
State: AL

Complaint narrative:
I requested that Nelson Cruz validate an account for XXXX  XXXX XXXX. I did not receive validation of this account. The company is reporting this account on my credit report that has not been validated. I do not owe this company anything. This is not my account. Someone else opened this account in my name, which is why I requested full validation from this collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: LA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: IN

Complaint narrative:
THERE IS A COMPANY/DEBT COLLECTOR, CAVALRY SPV I , LLC. THAT BOUGHT THIS OLD DEBT IN XXXXAND THEY ARE TRYING TO COLLECT. THEY ARE USING XXXX XXXX XXXX , XXXX ATTORNEYS AND COUNSELORS AT LAW TO TAKE ME TO COURT TO SUE.THIS DEBT IS FROM XXXXTHEY TOOK ME TO COURT ON XXXX XXXX TO GET MY PAYCHECK GARNISHED. I'M WONDERING WHAT THE STATUTE OF LIMITATIONS ARE ON AN OLD CREDIT CARD DEBT IN INDIANA. I ASKED THE JUDGE AND HE DIDN'T SEEM TO MUCH ABOUT THE STATUTE OF LIMITATIONS. I ASKED THE COLLECTOR WHEN THE LAST PMT. WAS MADE AND THEY ADVISED THAT DIDN'T KNOW. I ASKED THIS COLLECTOR IF THIS OLD DEBT IS TIME BARRED AND THEY SAID THEY DON'T KNOW.I ASKED THE JUDGE IF THIS DEBT IS TIME BARRED AND HE DIDN'T KNOW.THIS IS OVER 7 1/2 YEARS OLD. MY UNDERSTANDING OF THE STATUTE OF LIMITATIONS IN INDIANA IS 6 YEARS ON A CREDIT CARD DEBT, AND TIME STARTS AT THE TIME OF THE FIRST DEFAULTED PAYMENT OR THE LAST PMT. RECIEVED.WHICH THERE WASN'T ANY. I KNOW NOTHING ABOUT COURT AND ALL I KNOW ABOUT THE STATUTE OF LIMITATIONS IS WHAT I'VE READ ONLINE. PLEASE HELP, THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: IL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello I have provided the credit bureau with all of the information they needed. They still have not updated my report. I sent in letters in the mail for months and when I spoke to them they told me that they received my information and to wait a couple of days for my report to reflect the items removed. I have been waiting and calling and it has been over 50 days. I am trying to get this done it is very important to me and I have already sent in what was needed. These things need to be removed. XXXX XXXX XXXX Account XXXX, XXXX  XXXX  Account XXXX, XXXX  XXXX XXXX  Account XXXX, XXXX XXXX Account XXXX, XXXX XXXX XXXX OF WO Account XXXX, OFFICE OF THE ATTY GEN XXXX, CHILD SUPPORT ENFORCEM Account XXXX, and XXXX XXXX/FLORIDA MOR. My name is XXXX XXXX XXXX. This is the only way my name should appear on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
I requested that National Credit System validate an account for XXXX XXXX Apartments. I did not receive validation of this account. The company is reporting this account on my credit report that has not been validated. However, a different collection company is sending me letters in the mail trying to collect on this same account. The other collection company is XXXX XXXX. So there are two companies trying to collect on the same debt. National Credit System is reporting the account on my credit report with a balance and has not validated the account to prove that they own the account or that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Prosper Marketplace, Inc.
State: WI

Complaint narrative:
According to their payoff letter, I was to pay the balance of my loan by XX/XX/XXXX in the amount of {$10000.00}. I did this in a form of a paper check which they received on XX/XX/XXXX. They didn't process this until 7 days later which made me accrue interest of {$42.00}. I called them to let them know this is not correct since they had my check since XX/XX/XXXX and didn't process it. I asked for a supervisor and was hung up on. I called back and spoke to XXXX the " Supervisor '' and again, she told me the same thing. I told her that this is not correct since they had my check since XX/XX/XXXX. I asked to speak to her supervisor and she said no, there's no one else to speak to and gave me a physical address to mail my complaint. 

I never missed a payment with them, nothing is spelled out in the payoff letter about interest accruing. If I paid via online, this would not had happened. The fact that I paid it as a check is why. 

I ended up paying the {$42.00} today XX/XX/XXXX because I didn't want anymore interest accruing on this 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 2021-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Synovus Bank
State: NC

Complaint narrative:
I contacted First Progress Platinum Card through their customer service number provide on the back of the card in XX/XX/2021. ( XXXX ). I spoke with a customer service representative regarding the account and stated the I wanted paid the balance and clear the secured credit credit account and removed the card from my credit. The representative stated that he would not take the {$190.00} payment and the account was turn over to collection through they are reporting to the credit reporting agencies. I asked which collection company so I could handle the matter, the representative refused the give the collection company information. I have been unable to pay the amount for months and they refused to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: ID

Complaint narrative:
In XXXX I got divorced. In the divorce degree the court ordered my ex wife responsible for several credit card debts. 

in XXXX XXXX closed the account for the XXXX XXXX Credit card with a balance of {$750.00} that was one of those accounts assigned to my ex wife. as a result of providing them a copy of the documentation. In XXXX the account was charged off. and stopped appearing on my credit report. 

In XXXX of this year, a Company ( Cavalry Portfolio svcs ) I had never hear of, nor initiated any business with started reporting this debt again to the credit reporting agencies. I reached out to the company to find out what was going on. They told me the purchased the debt from XXXX, and that I was not responsible to them for the debt. I provided them the same information, and let the know the account had been closed for some time. The continue to report this to the reporting agencies. I even offered to pay them what they paid for the debt, but they refused. 

This debt is not valid. I have provided proof, and I have never agreed to a business relationship with this company. They do not have my signature affirming I have agreed to have an account with their company. 

I have disputed this with the credit reporting agencies, but they seem to believe it is valid, even though there is no agreement between me and this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: AZ

Complaint narrative:
this is not a duplicate, please don't try to validate its been over 30 days which the law is very clear please remove. please review documents the Complaint/Dispute was received on XX/XX/2021 has been more than 30 days, and I have not received any proof that your company validated the debt. 

Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that you immediately delete this information from my credit reports. 


previous two complaint ID XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello I have provided the credit bureau with all of the information they needed. They still have not updated my report. I sent in letters in the mail for months and when I spoke to them they told me that they received my information and to wait a couple of days for my report to reflect the items removed. I have been waiting and calling and it has been over 50 days. I am trying to get this done it is very important to me and I have already sent in what was needed. These things need to be removed. XXXX XXXX XXXX Account XXXX, XXXX  OUTSOURCING Account XXXX, XXXX XXXX XXXX  Account XXXX, XXXX XXXX Account XXXX, XXXX XXXX XXXX OF WO Account XXXX, OFFICE OF THE ATTY GEN XXXX, CHILD SUPPORT ENFORCEM Account XXXX, and XXXX XXXX/FLORIDA MOR. My name is XXXX XXXX XXXX. This is the only way my name should appear on my credit file.

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 2021-04-05 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
On XX/XX/2021 I submitted a dispute in regards to Fraudulent items that have appeared on my XXXX  and XXXX  credit report. XXXX  and XXXX  has been aware of me being a victim of identity theft since XXXX of the same year as I submitted my True Identity Credentials and my Law Enforcement validation of my claim. After doing all of this in respect to the reporting agency 's protocol and the requirements of FCRA 605b. The following are accounts and inquiries in complaint : XXXX XXXX XXXX  XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
In XXXX I got divorced. In the divorce degree the court ordered my ex wife responsible for several credit card debts. 

in XXXX Citibank closed the account for the Home Depot Credit card with a balance of {$750.00} that was one of those accounts assigned to my ex wife. as a result of providing them a copy of the documentation. In XXXX the account was charged off. and stopped appearing on my credit report. 

In XXXX of this year, a Company ( XXXX XXXX XXXX ) I had never hear of, nor initiated any business with started reporting this debt again to the credit reporting agencies. I reached out to the company to find out what was going on. They told me the purchased the debt from Citibank, and that I was not responsible to them for the debt. I provided them the same information, and let the know the account had been closed for some time. The continue to report this to the reporting agencies. I even offered to pay them what they paid for the debt, but they refused. 

This debt is not valid. I have provided proof, and I have never agreed to a business relationship with this company. They do not have my signature affirming I have agreed to have an account with their company. 

I have disputed this with the credit reporting agencies, but they seem to believe it is valid, even though there is no agreement between me and this company.

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 2021-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Synovus Bank
State: NC

Complaint narrative:
I have not charged anything on this card since XXXX of 2020, yet this balance never goes down nor will they allow me to use the card ever to get gas. 

This company adds late fees even when you make payments. I have tried calling and calling First Progress only to be put on hold and left there for hours at a time listening to prompts roll over and over. I was told there was a once time removal fee of {$40.00} and now when I call they do not answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a complaint to practice my right to challenge questionable information that I have found on my Experian credit report. I do not recognize the information listed below and request that you investigate these accounts and ascertain that these accounts are listed accurately on my file. These accounts have impacted my ability to receive credit and have provided unnecessary inconvenience. As you know it is my right to request a proper investigation. According to the Federal Credit Report Act, you are required to respond to my dispute within 30 days of receipt of this letter. If Experian fails to offer a response to my dispute, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue. The following items I do not recognize.XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX and XXXX/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 2021-04-05 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have been with American Express since 2016. Today I tried to transfer XXXX of my Membership Rewards points to a partner airline to book a flight and I received an error " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' After calling in and being transferred to several departments I was informed that my account is being reviewed and my points will not be available to be redeemed for 8-12 weeks. I have earned these points over years by loyally using my American Express card and now I am being blocked from redeeming them when I need to book a flight. Blocking a user for no reason from accessing his points for 2-3 months is unheard of. I was never notified that my points are frozen and now I am stuck needing to book a flight and not having access to my points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Ordered products on XX/XX/XXXX Don't need the products anymore so I asked someone to Return the product for me Got an error returning the products that's why I asked them to give me a new return label The first week of XXXX - Got 4 new return labels Packed the product individually and return them by dropping them in XXXX XXXX Office on XX/XX/XXXX, before Lunch Packages were tagged delivered on XX/XX/XXXX - Received and Signed Got an Email on XX/XX/XXXX, about packages not containing the right products Called and contacted them about making sure and how would that happen for all 4 products Keep telling me they will investigate but still getting the same response about the package not containing the right products and will not issue a refund Been messaging them for more than 2 months Tried to dispute it in my bank but got reversed because the merchant told them they delivered the products.

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