vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Received 3 emails today from Synchrony regarding a credit builder card that I never applied for. No text in the emails, the subject lines were A trial deposit has been successfully made to your Amazon Credit Builder, ( twice on that one ) and Action required on your application. I have an Amazon store card from Synchrony, but did not apply for a new one.  I don't need credit building. When I called Synchrony, after they finally transferred me to a person, the message came on that they were not able to help at this time and to call back at a later date. Then they hung up.

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 2019-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Only XX/XX/2019 I was given a written offer to settle my charged off credit card account with Capital One for {$1000.00}. This amount was to resolve the matter and be reported as " settled in full '' On XX/XX/2019 the payment was processed and a confirmation email was sent from Capital One on XX/XX/XXXX stating the payment was successfully processed. 

Since this time Capital One has continued to report negative to the credit bureaus as " past due '' and has also continued collection efforts. 

In XX/XX/2019 I requested an investigation take place with the Capital One investigation department and I received a letter dated XXXX XXXX, 2019 stating the investigation has been completed and I still owe the remaining balance. 

I believe this constitutes fraud and " bait and switch '' practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
XX/XX/19 NOW THEY ARE SAYING WE ARE DENIED FOR ANY MODIFICATION BUT THEY SAID CONGRATS ON SHORT SALE OR FORECLOSURE THAT IS TERRIBLE AND SAD TO SAY THAT TO A PERSON THATS TRYING TO SAVE THERE HOME WHICH THEY SCREWD UP THE MODIFICATION DUE TO THE NOTARY I HAVE ALL THE RECORED MESSAGES FROM THEM THEY ARE FRAUDULENT AND LIARS IF WE HAVE TO FILE BANKRUPTCY TO KEEP MY HOME THEN I WILL

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 2019-11-25 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: LEXISNEXIS
State: IN

Complaint narrative:
On XX/XX/2019 I sent a certified validation letter to Lexis Nexis asking them to validate a bankruptcy listing. They responded with a full report under my name that had a bankruptcy listing with inaccurate information. I also sent in the certified mail proof from the alleged bankruptcy court that they do not validate and or communicate directly with any third parties. It appears Lexis Nexis ignored that information. If you look at the attachment which is a copy of what they sent me in regards to the bankruptcy listing they DO NOT have a File Date just some random number which is repeated under the LAST DATE SEEN. They also do not have a DISPOSED/DISCHARGED DATE which would be needed if they were going to send this information to the bureaus and report anything that could potentially negatively impact a consumer financial well being. The information that they have does not match what the bureaus are reporting so how is that the bureaus got their information from Lexis Nexis? To add to this, Lexis Nexis HAS THE BANKRUPTCY LISTED TWICE! This is absolutely ERRONEOUS AND UNFAIR CREDIT REPORTING! They have given my information or to Equifax while their is a SECURITY FREEZE ON MY ACCOUNT because I have been so afraid of a family member putting things in my name. I have so much proof on Lexis Nexis. Please see the attachments. This must be removed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Servis One, Inc., Titusville, PA Branch
State: GA

Complaint narrative:
Asked for the name and address of original creditor, Did not cease collection after notified of dispute. No contract with them, power of attorney was revoked to able to assign. No contract, harrasment and false statement on letters, never returned a response by affidavit, defaulted by not answering never sent a true bill. I am not deceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DPT EDXXXX XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2019-11-25 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: AL

Complaint narrative:
There are several inaccurate items that is reporting on my credit file : Child Support is inaccurately reporting on my XXXX. This is not mine. 

XXXX XXXX is not my account and it is inaccurately reporting on my Transunion. 

XXXX XXXX XXXX is not my account and it is inaccurately reporting on my Transunion. 

Incorrect Addresses : XXXX XXXX and 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 2019-11-25 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: AL

Complaint narrative:
There are several inaccurate items that is reporting on my credit file : Child Support is inaccurately reporting on my XXXX. This is not mine. 

XXXX XXXX is not my account and it is inaccurately reporting on my XXXX. 

XXXX XXXX XXXX is not my account and it is inaccurately reporting on my XXXX. 

Incorrect Addresses : XXXX XXXX and 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 2019-11-25 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DPT EDXXXX XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2019-11-25 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DPT EDXXXX XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXXENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious  ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX  ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Synchrony Bank, offering a Credit Builder credit card for Amazon.com, sent an email staying theyve made test deposits into my account, but it did not specify which account. 
I have never set up an account and have no interest in a credit builder account. I attempted to contact Synchrony Bank, but after 30+ minutes on hold ( XXXX XXXX, 2019 ), I was unable to reach anyone. 
One article, on XXXX, stated theyve reached out and were informed that it was an accident without any compromising info. but I have not been able to independently confirm the accuracy of the story, nor does it explain how they would have gotten my contact information or how they would have known I have an Amazon Prime 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 2019-11-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am having an issue with https XXXX XXXX. This is the listed web address for checking pending payments. I have paid two payments in both XXXX and XXXX XXXX. I paid {$70.00} twice on XX/XX/XXXX. I made three payments in XXXX ( two were to pay the minimum due {$50.00} XX/XX/XXXX & {$23.00} XX/XX/XXXX. This satisfied my monthly amount due ). I did this because I went onto the web address above and looked for my Payment Status/History and saw No Pending Payments available. Therefore, I went ahead and made sure XXXX was taken care of. On XX/XX/XXXX another payment was debited from my bank account in the amount of {$110.00}, which I had apparently authorized but I was unable to see on their website. I called customer service to try and rectify this problem and was told there is absolutely nothing they can do. They can't move the {$110.00} I paid on XX/XX/XXXX to my XXXX bill ( which I found out I also had two pending payments for, both unable to be viewed via the website from above ). I feel this is an intentional issue on the part of the Bank ( not being able to see pending payments ) and it has caused multiple payments to be issued for  months that had already had a payment made. I was told I have to dispute this charge through my bank. Why is this burden on the consumer? I have done my due diligence by making sure I am not late on payments, yet the Bank can provide whatever information they want to provide and omit information to consumers that help them budget their money. Needless to say it is XXXXtime and I would really like my money back ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. ( Experian deleted the account and then placed it back on knowing that the fraudulent debt was charged off then sold to a different entity under a new account number but keeping the same XXXX XXXX name ). Experian has failed to remove the deleted information that was affiliated with fraud personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
XXXX <XXXX> To : XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX - Here 's your receipt. 


Thanks for paying with PayPal To see the payment details, log in to your PayPal account. 

Payment from : XXXX XXXX XXXX XXXX Payment to : XXXX  XXXX  XXXX XXXX Note to payment recipient : You haven't included a note. 

Transaction ID : XXXX Date : XX/XX/2019 Payment Status : COMPLETED Description Unit Price Quantity Amount WP Video Machine - Multi Site License {$29.00} USD 1 {$29.00} USD Tax amount Total {$29.00} USD Payment to recipient {$29.00} USD This transaction will appear on your statement as PAYPAL *XXXX  XXXX Transaction Summary : Total Amount of this transaction : {$29.00} USD ; Payment method : XXXX x- XXXX Payment to recipient {$29.00} USD Amount you'll pay {$29.00} USD Help Center | Resolution Center | Security Center Please don't reply to this email. To get in touch with us, click Help & Contact. 

PayPal Customer Service can be reached at XXXX Copyright 1999-2019 PayPal , Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

Paypal REFUSED To Give me Refund Companys sends out Zip files they are lock cant open.I even download XXXX  XXXX to open.It gave virus in my computer i had restore my laptop to back in date to get it to uninstall so my coputer would work.Now if the company was smart PDF file works perfect for me but i didnot have choice.I want refund asap! Thank

Company response to consumer: Closed with explanation