vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-17 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: PA

Complaint narrative:
I was encouraged by Verizon  XXXX to open a Verizon credit card to save money on my bill by enrolling in autopay on my credit card. I was also promised cash back on my purchases on this card which could be applied to my verizon XXXX bill. The bank card was SYNCHRONY BANK visa phone number XXXX. They closed my account after processing over {$5000.00} in charges and payments. I found out about this closure when I went to use the card and it was declined and I called to find out why and found out they had closed the account. When I opened the account they said that I entered my banking info wrong. I corrected this and processsed two charges and one payment after this fact that were not declined. Only weeks later when I went to use the card again was I made aware that I no longer had a card. I had accumulated {$62.00} in rewards points which I was trying to redeem but I was transferred three times to different departments that ended up back on the first one with a recorded loop that would not give me any options for redeeming these points. First of all, they closed my account after they accepted charges and payments that went through just fine. Second of all, they did not alert me to the changes, I found out when my autopay did not go through and I ended up being billed {$50.00} more for that month 's charges. THird, they did not give me my bonus money back. Numerous calls to both verizon and synchrony have ended with each pointing me to the other and nobody resolving the issue.

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 2022-10-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
i have this on my XXXX report that i requested a inquire but i was in a XXXX  and its not mine i have never applied for credit with this company and need this inquire to be removed ASAP its effecting my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
During XXXX XXXX and prior to them working with us for a forebearance so we wouldnt get too behind, our lender carrington mortgage continued to show us late, which currently as we are selling and trying to purchase our new home is decreasing our credit score drastically. To be exact, XX/XX/XXXX to XX/XX/XXXX. Plus they were receiving payments during that time. 
As we have been advised this should have never been reported. Is there anything you can do to help our current situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
In accordance with the fair reporting credit act these following creditors jetblue/barclays, XXXX XXXX and XXXX XXXX has violated my rights under 15usc 1681 section 602 states that i have rights to privacy, 15usc 1681 section 604A section 2 also states a consumer reporting agency can't furnish an account without my written instructions.Under 15usc 1666B a creditor may not treat a payment on a credit card account under and open a consumer credit plan as late for any purpose i'm hoping you can look into this matter. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: CA

Complaint narrative:
The Three credit companies are reporting inaccurate infomation on my credit report. I sent this letter to all three competes and the onlt remove one or two name that is showing on the report. I would like all name that is not my name to be removed. They are also remorting address that i never lived at. I have never used these names and address that is being reported. Please see the letter below with the correct information. To whom this may concern, I recently retrieved my credit report. I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows This is my legal name XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX CA XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my bank statement, utility bill, ID for your verification Thank you for your assistance. Sincerely. 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 2022-10-17 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: CA

Complaint narrative:
The Three credit companies are reporting inaccurate infomation on my credit report. I sent this letter to all three competes and the onlt remove one or two name that is showing on the report. I would like all name that is not my name to be removed. They are also remorting address that i never lived at. I have never used these names and address that is being reported. Please see the letter below with the correct information. To whom this may concern, I recently retrieved my credit report. I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows This is my legal name XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX CA XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my bank statement, utility bill, ID for your verification Thank you for your assistance. Sincerely. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Point Recovery Services, LLC
State: VA

Complaint narrative:
Ascension Point Recovery ( APR ) is a group of individuals who seemingly browse through obituaries and attempt to contact the next of kin for the recently deceased. My Mother passed away weeks ago and we received a phone call from Ascension Point Recovery business attempting to get MY MOM 'S personal information by calling and asking questions about her. We received a phone call from XXXX XXXX XXXX XXXX who was looking for the person in charge of executing my Mom 's will. I called my family to ask about the situation and quickly realized it was a fraudulent call and the person was out for personal information. When we called APR back, we were greeted by a very generic and low quality answering service, and eventually, a woman answered the phone. She informed us that XXXX XXXX was not available but ANY of the associates could help because " they ALL were aware of what was going on ''. After a few questions, the woman ACTUALLY STARTED ASKING US QUESTIONS ABOUT MY MOM 'S DEATH. They asked when it happened and how and who was executing the will. Obviously we didn't disclose any of this information, but ultimately she asked if we were aware that there was a possible debt remaining that had to be paid. These people are targeting elderly men and women and attempting to convince them to give the company money to " resolve past debts ''. There are countless stories on XXXX that suggest this company has been terrorizing people for years. On their official website, Ascension Point Recovery only provides one option under the " CONTACT '' tab and that is a " RESOLVE A COMPLAINT '' form. That in itself lends to the illegitimate nature of the company. Not only is this one of the sickest and saddest forms of underhanded exploitation, but it is compounded by the fact that the people being contacted have just lost a loved one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17 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: CarMax, Inc.
State: GA

Complaint narrative:
i have this on my XXXX report that i requested a inquire but i was in a XXXX  and its not mine i have never applied for credit with this company and need this inquire to be removed ASAP its effecting my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
i have this on my XXXX report that i requested a inquire but i was in a XXXX  and its not mine i have never applied for credit with this company and need this inquire to be removed ASAP its effecting my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
i have this on my XXXX report that i requested a inquire but i was in a XXXX  and its not mine i have never applied for credit with this company and need this inquire to be removed ASAP its effecting my 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 non-monetary relief
Consumer complaint received 2022-10-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My personal identity information was stolen in several breaches from companies I had business with, my employer, as well as from the Equifax XXXX XXXX and its affiliates. These breaches occurred from XXXX through XX/XX/XXXX. I also learned that my identity information had been shared on the XXXX XXXX  Market as a result of these breaches. These breaches have resulted in persons unknown to me and without my consent attempting to obtain credit cards, car loans and in some instances personal loans in my name, damaging my credit profile with unauthorized Hard Inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My personal identity information was stolen in several breaches from companies I had business with, my employer, as well as from the XXXX XXXX XXXX and its affiliates. These breaches occurred from XXXX through XX/XX/XXXX. I also learned that my identity information had been shared on the XXXX XXXX  Market as a result of these breaches. These breaches have resulted in persons unknown to me and without my consent attempting to obtain credit cards, car loans and in some instances personal loans in my name, damaging my credit profile with unauthorized Hard Inquiries.

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 2022-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of Fort Walton Beach, Inc
State: KY

Complaint narrative:
On XXXX I requested my credit report from the 3 bureaus and saw a medical bill listed as collection for XXXX. That bill was taken care of by the VA. They pay all my medical bills. Anyway I decide to write ( Collection Bureau of XXXX ) a letter of validation. I sent the letter off certify mail on the XXXX of XX/XX/2022. Collection Bureau of XXXX received the letter on the XXXX of XX/XX/2022, I have the signature card to proof it. As my letter stated they were given 30 day to sent me proof of validation. It past 30 days and I have not heard from them as of yet. And this is a clear violation of the Fair Debt Collection Practices Act. So I'm requesting the help of the CFPB in taking care of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hello : On XX/XX/22 XXXX XXXX  XXXX and XXXX XXXXXXXX account on XXXX. These 2 individual promised to unlock the linked in account. The reason the XXXX  account was locked was due to too many pages viewed and visit from the account. I have to look for work inflation is sky high. After XXXX  over {$1700.00} on 8 different times, these XXXX XXXXXXXX and XXXX XXXX  account decided to scam me, He claimed that he is from XXXX in company but this is fradulent. You allow these two individual to be on XXXX and scheme people who are in desperate for jobs. Please refund and prosecute these 2 and the gang involved and refund asap {$1700.00}. Names : XXXX XXXX XXXX XXXX Tks. 
Account holder name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: UT

Complaint narrative:
I am reaching out with regards to CashApp. I was defrauded on XX/XX/XXXX of {$4000.00}. Cashapp stated that they will investigate the issue and see what can be done. 
They refused to go after or prosecute the people who took my money and stated that I gave the defrauders access to my account based on my transaction history, when I clearly let them know that this was not the case. 
That was their resolution. They immediately closed the case after that without trying to help me recover the funds that were stolen. 

The ticket number with Cashapp was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Early Warning has a couple accounts listed on my profile Early Warning that's from XXXX  XXXX XXXX as well XXXX XXXX with totally different social security number then what was giving to me at birth. But Early warning has place them on my report without doing their on research which they would have caught it because my ss starts with XXXX not no XXXX so I'm requesting Early Warning to remove these accounts from my profile on their system or a lawsuit will be file on my behalf. Which i never knew one can have 2 social security numbers i have proof of my social security card as well when i received it from the Social Security office. I spoken with XXXX XXXX they are still stating its mines but cant provide proof its mines nor can they confirm that the social number is mines which i gave them my numbers and also offered to go into their branch with my information but they stated its not needed. XXXX  XXXX XXXX sent me letters out stating its not mines and that i didn't nor don't have account with them at all as i went into XXXX XXXX XXXX branch with my information and they couldn't match nothing to me. But Early Warning has it as mines on their profile for me. Early Warning is tying other people information on my profile which i need removed and a new copy of the report sent out to me asap with the correct information that's not reporting XXXX  XXXX XXXX and XXXX XXXXl on my profile. Attached is a letter from XXXX XXXX XXXX stated that their not reporting under my name but Early Warning is reporting under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: V and H Portfolio
State: TX

Complaint narrative:
Mailed validation letter to company on XXXX requesting validation. Received a response on XX/XX/17 stating they have requested information from company. 
Vance and Huffman stated on their website that this inormation would NOT be listed on my credit report. It is listed as a collection. 
I have contacted the XXXX XXXX of XXXX inquiring if this company is license and bonded in Texas to collect. I have been informed that they are not licensed in Texas. The XXXX XXXX of XXXX requires you to be licensed and bonded to collect in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: CITIBANK, N.A.
State: WI

Complaint narrative:
I've settled a credit collection with a 3rd party collection agency, and the balance should now be at {$0.00} instead of showing that I still owe a balance on a closed and charged-off account with a credit card financial institution.

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 2022-10-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I have excellent credit. I have few Credit cards. One was XXXX XXXX XXXX through Comenity Bank of Ohio. I used the card for member benefit only and would pay it in it's entirety after each use. Back in XXXX ( I believe ) I ordered some things and made a phone payment that was a day or two late. I did automation and it did not tell me the payment was late. Months later I started getting phone calls and a few emails from Comenity Bank. I honestly thought this was a scam as I was getting a lot during the pandemic. I finally answer to get them to stop and I find out that I was being charged late fees and interest from that late phone payment. I got them to waive one month 's fees due to my good credit standing but they couldn't let it go completely. Since it was my fault for paying late from the beginning I decided to pay what was left and close the account due to Comenity Credit practices and I told Victoria 's Secret about this as well. On XX/XX/2022 I paid Comenity Bank, by phone, XXXX of interest and late fees without a purchase balance and closed the account. 
Well it has started all over again. The emails, the phone harassment, and I have no idea what the heck they are saying. The account is closed and they are talking interest and late fee 's AGAIN from what I can understand due to their language barrier. Please shut this bank down. Their thieves.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I reached out via courier service to Midland Credit Management asking them to please validate the debt they are currently trying to collect with my name on it. In this letter, I asked them to send me the following pieces of information to validate the debt. 1. The original contract with my wet signature on it. 2. The original creditor and their information. 3. Payment history including itemized billing. 4. Proof of ownership. On XX/XX/XXXX I received some of the information requested stating that they had completed their investigation of my dispute and found that the following pieces of information validates the debt, however, they did not send me the original contract nor all of the payment history including itemized billing, nor that they own the alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Went to apply for a loan and their were 4 hard inquiries on the credit report that I don't recognize or authorize as the following companies : XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Went to apply for a loan and their were 4 hard inquiries on the credit report that I don't recognize or authorize as the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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