vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
PAYPAL CREDIT/SYNCHRONY BANK ALLOWS SCAMMERS TO GET AWAY WITH CRIMINAL ACTS!! I purchased a pair of boots on XX/XX/XXXX in the amount of {$490.00} using Paypal Credit. Seller stops responding same day after receiving payment. Case opened, payment refunded to my account XX/XX/XXXX. Seller provided fake XXXX tracking number XXXX showing item delivered only to my city and zip code, not MY actual address. My name or full address wasn't even listed on the invoice provided. Despite invoice showing major inconsistencies of the item being delivered in an envelope that weighed 0.5 pounds, NO REAL PROOF it was actually delivered to my home and SIGNED FOR BY A RECEPTIONIST, not me, Paypal Credit ruled in favor of the scam seller and added the funds back to my account for payment XX/XX/XXXX. I reopened dispute immediately XX/XX/XXXX as I never received any boots and seller is not responsive. I sent proof of not receiving my item and pointed out all inconsistencies by secured message on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX including endless phone calls TO NO AVAIL. ALL THE SCAMMER HAS TO DO IS PROVIDE A TRACKING NUMBER THAT SHOWS DELIVERED AND IT GET 'S RULED IN THEIR FAVOR. BE AWARE! I open a case with XXXX regarding tracking number provided. XXXX CASE XXXX. THANK GOD XXXX was nice enough to provide me with ALL proof needed SHOWING the item was NEVER DELIVERED TO MY HOME. THE PROOF SHOWS all seller information AND RECEIVER 'S FULL NAME, ADDRESS and PHONE NUMBER CLEARLY SHOWING IT WAS NOT ME OR MY ADDRESS!! Actually it was a letter mailed to a bank!!! Not XXXX Boots I ordered! I SENT THIS VALID proof by secured message XX/XX/XXXX and XX/XX/XXXX thinking this would be the end to this nightmare. I also faxed over and mailed with return receipt XX/XX/XXXX for added measure. I was SO proud to have the glaring proof I needed to close this dispute. XXXX invoice showing the inconsistent weight and shipped in envelope. Plus another invoice showing the envelope was signed for by a receptionist by the name of XXXX XXXX which is clearly not my name nor do I have a receptionist at my home. Lastly, the XXXX invoice showing MY NAME PLUS ADDRESS ARE BLANK AND MISSING. How can an item be delivered to my home if this information is missing? XX/XX/XXXX They ruled in favor of the seller again as he provided the same scam tracking number.

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 2021-12-15 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My capital one credit card got hacked and been using purchased with gift card since XXXX to XX/XX/XXXX. Such as XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX. Someone have access to my account and trying to make payment to the credit card, and the payment failed the capital one company and the payment is been return. The payment account are not under my name and I dont know these account either. Now my credit debit is XXXX dollar with capital one platinum credit card. My credit limit is only XXXX I dont know how does it go up to XXXX amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: CITIBANK, N.A.
State: NY

Complaint narrative:
So contact XXXX XXXX after discovering that hard inquiry on my reported to credit bureaus. Which I was unaware at that time. Then realized that this was result of misinformation that was given by a sales associate that had assure my what she was doing a soft inquiry to see if I was offered a credit increase which would consider as a soft credit since I already had a XXXX XXXX XXXX Account already. I made myself very clear when ask about processing as a hard inquiry & sales associate response was this is soft credit that would not cause drop in score. I explained I didnt want anymore hard inquiry because recent inquiries that were on my credit report. I acknowledged prior that I already had a XXXX  credit card that can be use already at XXXX XXXX XXXX XXXX XXXX. So only if was soft ( aka In-Store Credit ). But taking advantage as well as deceived by the sale associated who manipulated that situation by given inaccurate information regarding inquiry. I connected merchant in order for this issue to get resolved, but three attempts ( XX/XX/21, XX/XX/21, & XX/XX/21 ) which I was transfer to credit issues department which had then spoken XXXX then XXXX. Then I attempted to reach out to them again & was told that a compliant/report was issued to be corrected information regarding the unauthorized credit reporting. I also had similar issue w/Macys Credit Card when I change my mind before credit was ran, I was told that she suspend the application then it should fall off or removed for incomplete application which takes 24-48 hrs. But instead it wasnt which had resulted it being reported as a hard inquiry on credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: CA

Complaint narrative:
I am filing this complaint to inform you of Equifax willful noncompliance with the Fair Credit Reporting Act, Equifax continues to report inaccurate, incomplete payment history information on my consumer report. I have sent multiple Dispute letters on XX/XX/21 and again another dispute letter on XX/XX/21. To this day the consumer reporting agency willfully refuses to Delete the inaccurate, incomplete information which is preventing me from obtaining credit, furthermore the consumer reporting agency is Violating my consumer rights along with Defamation of Character because a consumer report is my reputation. Equifax continues to be in Violation of the Fair Credit Reporting Act by continuing to report misleading information on my consumer file. Under 15 USC 1681e ( b ) the Law clearly states a consumer reporting agency shall follow reasonable procedures to assure Maximum possible accuracy, yet this agency has failed to do so. In addition I have attached documents that outline the Multiple FCRA Violations on my consumer report. Lastly I am demanding these accounts to be Deleted immediately or I may file for litigation due to the agency willful noncompliance, negligence and the harm it has cause my consumer file along with the stress it has cause by having these inaccurate, incomplete items on my consumer report. Im hopeful the CFPB can help assist to resolve this matter promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: UPGRADE, INC.
State: FL

Complaint narrative:
I had a balance due to Upgrade , Inc. when I filed for personal bankrupcty protection on XX/XX/XXXX ( XXXX XXXX ). My debt to Upgrade Inc. was discharged when my bankruptcy was discharged, and my other creditors began correctly reporting the status of my accounts to all 3 major credit bureaus. Upgrade was so slow to change the reporting, that I had to dispute the debt with the credit bureaus and Upgrade , Inc, to have it changed to the appropriate status of discharged in bankruptcy and {$0.00} balance. Throughout XXXX, however, Upgrade Inc has changed the reporting of my closed account several times with the different credit bureaus without provocation or reason. I disputed the changed reporting ( status, amount, etc, were even reported differently at different times by Upgrade , Inc ). In XXXX and XXXX, XXXX, they began reporting to 2 of the 3 credit bureaus a total amount that is far more than I ever owed, and showing part of it charged off and part of it still owed and very late. They also added derogatory history back to XXXX, as well. I have attempted to contact Upgrade Inc, but there is no one I can talk to that handles credit bureau reporting at that company, and when I dispute with the credit bureaus, the company seems to retaliate by adding additional derogatory info. I need help getting Upgrade Inc to correctly report by discharged debt to all 3 credit bureaus before it hurts me financially and in my career.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELET ARE LISTED IN THE REPORT. 
I AM A VICITIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISION AND I ALSO HAVE A ENCLOSED COPIES OF THE FEDERAL TRADE COMMSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE.

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 2021-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC
State: TX

Complaint narrative:
On XXXX I read my contract and followed the given directions for revocation of ACH/EFT permissions and sent it to the requested email stated in the contract. On XX/XX/13 my account was debited vis ACH for my payment. The contract only requires a 3 day advance notice which was provided. After reading their email reply, I noticed that they tried to start the 3 days from the date that actually opened the email but their contact language doesnt allow for that. On XX/XX/13 I called in and the man I spoke with claimed to have never reviewed a revocation and said the email address the contract instructed clients to send revocations to is ignored by the company and I should have just sent it elsewhere. Oddly enough, their email on XXXX stated to guarantee that no payment would be taken to call them. I prefer to do EVERYTHING in writing when dealing with written legal contacts. I feel that this has all been a ploy to duck and dodge their own contracts and federal banking laws. They had a valid ACH/EFT revocation in their required email in the proper window of time and ignored it with the intention of withdrawing another payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i deposited checks and cash on atm teller XXXX weeks later bank just took? XXXX of my account saying transaction was short {$1000.00} with no explanation just took money i been calling them talking to them no responce they lie they send letters explaining they never have .my mortgage didnt got paid my phone i was out of town left money for my bills to get paid, with no money because they deducted money from account, i spoke to tellers no one knows noting about the case then send me to different departments for hours on the phone then they just closed my account my cash money never appear finally they send copies of the checks only because i requested several time but the cash never appear.

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 2021-12-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Summit A*R, Inc.
State: CA

Complaint narrative:
Im really worried that SUMMIT ACCOUNT RESOLUTION is reporting inaccurate information on my credit report. Pursuant to the Fair Debt Collection Practices Act 15 USC 1692, I XXXX XXXX have the right to privacy. SUMMIT ACCOUNT RESOLUTION has committed infringement upon my consumers right to privacy. 
I, XXXX XXXX never granted consent to SUMMIT ACCOUNT RESOLUTION to contact me. SUMMIT ACCOUNT RESOLUTION has/ or purchased my private information without my consent. I never contracted with SUMMIT ACCOUNT RESOLUTION. SUMMIT ACCOUNT RESOLUTION is violating my rights. I understand that you must have procedures in place to respond to questions about credit reporting. 

Pursuant to the Fair Debt Collections Privacy Act ( 15 USC 1692 ( g ) and Regulation F ( 12 CFR 1006.34 ( a ) ( b ) ( c ). I am invoking my right and demand SUMMIT ACCOUNT RESOLUTION to validate this alleged debt. 

If your office fails to respond to this validation request within 30 days, all references from this account must be deleted and completely removed from your credit file, and all consumer reports. 

At this time I also asked for SUMMIT ACCOUNT RESOLUTION to Cease and desist any and all communication with me pursuant to 15 USC 1692 ( c ) ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: GA

Complaint narrative:
I have asked XXXX and Transunion to remove both Bankruptcies from my credit report. I have had several years of perfect on time payments at 100 % but these bankruptcy cases both have prohibited me from owning a home no matter how hard I try! XXXX is 9yrs and 10 months old, and XXXX was a ch XXXX that was converted in error because I filed prematurely in error and had not waited the allotted time, but XXXX and XXXX are reporting a dismissal of XXXX but in fact its still a ch XXXX dismissal, and should only be accurately reported from 2018 and I only have 7 years on my credit. As I BELIEVE THE LAW TO BE AS FOLLOWS : The FCRA states only the legal maximum amount of time bankruptcies can appear on your report and not the minimum. This means a bankruptcy can be removed earlier than the legal maximum, but it must be proven that it is misreported, ( ch XXXX conversion ) unsubstantiated or otherwise found inaccurate. 

The Fair Credit Reporting Act, 15 U.S.C. Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a person 's credit report after ten ( 10 ) years from the date the bankruptcy case is filed, I am at 9yrs and 10 months from case XXXX. Generally, bad credit information is removed after seven ( 7 ) years. Please help me one and for all! I exhausted for fighting for my rights as I HAVE FILED DOZENS OF COMPLAINTS AND WOULD LIKE THIS TO BE THE LAST ONE FOR YEARS TO COME!

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 2021-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, Transunion and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

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 2021-12-15 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Chase bank freedom unlimited credit card is been hacked and being use by someone to purchase giftcard at store from XXXX XXXX XXXX XXXX  Someone hacked my credit card and use at store like apple store, XXXX, XXXX, XXXX, XXXX XXXX. XXXX XXXX and XXXX XXXX on XX/XX/XXXX, XXXX store purchase XXXX and XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX. Also, someone have access to my chase account and making fake payment under external account thats not under my name. Chase bank first accept it and then return the payment. The credit debit add up to XXXX. I did not make these purchase at these stores, and I already filed the fraud claim report to chase bank. However, chase bank does not support me, and closing my bank account and freeze my money inside for 10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELET ARE LISTED IN THE REPORT. 
I AM A VICITIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISION AND I ALSO HAVE A ENCLOSED COPIES OF THE FEDERAL TRADE COMMSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: GA

Complaint narrative:
I have asked EQUIFAX and XXXX to remove both Bankruptcies from my credit report. I have had several years of perfect on time payments at 100 % but these bankruptcy cases both have prohibited me from owning a home no matter how hard I try! XXXX is 9yrs and 10 months old, and XXXX was a ch XXXX that was converted in error because I filed prematurely in error and had not waited the allotted time, but EQUIFAX and XXXX are reporting a dismissal of XXXX but in fact its still a ch XXXX dismissal, and should only be accurately reported from 2018 and I only have 7 years on my credit. As I BELIEVE THE LAW TO BE AS FOLLOWS : The FCRA states only the legal maximum amount of time bankruptcies can appear on your report and not the minimum. This means a bankruptcy can be removed earlier than the legal maximum, but it must be proven that it is misreported, ( ch XXXX conversion ) unsubstantiated or otherwise found inaccurate. 

The Fair Credit Reporting Act, 15 U.S.C. Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a person 's credit report after ten ( 10 ) years from the date the bankruptcy case is filed, I am at 9yrs and 10 months from case XXXX. Generally, bad credit information is removed after seven ( 7 ) years. Please help me one and for all! I exhausted for fighting for my rights as I HAVE FILED DOZENS OF COMPLAINTS AND WOULD LIKE THIS TO BE THE LAST ONE FOR YEARS TO COME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: NY

Complaint narrative:
On XXXX/XXXX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under XXXX5 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

Company response to consumer: Closed with explanation