vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
XXXX XXXX has reported a negative credit report after being informed that the attempt to collect the debt was fraudulent. 

( FCRA ) Sec. 807 ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

In early XXXX XXXX sent a letter claiming that I owe the original creditor. After requesting validation of the debt, AND verification that XXXX was collecting this debt on behalf of the original creditor, XXXX responded with my information showing that I did in fact have a balance with the original creditor. 

After receiving this, I then reached out to the original creditor on XX/XX/XXXX and they informed me that I no longer owed any money and my account had been closed. 

XXXX has attempted to mislead me into believing that the original creditor is collecting this debt when they are not. After confirming that I don't owe the original creditor I reached out to XXXX letting them know that because they have not provided me with any proof that the original creditor has authorized them to collect this debt on their behalf, nor have I ever agreed to pay any debts to XXXX, that I will not be paying any alleged debts to them. 

I expressed that because they can not provide me with proof that they have any rightful or legal proof that they have the authority to collect on behalf of the creditor ( as they claimed in the original letter sent ) they would be reporting fraudulent information on my credit report. 

To which XXXX collections proceeded to illegally report a negative report on my credit. 

XXXX has violated my rights as a consumer to have a fair and accurate credit report by disregarding the rules and regulations put in place by the FCRA meant to protect consumers from illegal practices such as these. 

Sec 807, ( 10 ) ( 8 ) ( 5 ) from the FCRA have been violated.

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 2024-01-03 00:00:00
Product: Credit card — Store credit 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Re : Syncrony Bank/Amazon credit card ending in XXXX HELP!! 
In XXXX of XXXX, I inadvertently pushed the button twice and made duplicate payments to my Amazon account in the amount of XXXX. 
One of the two payments was rejected by Synchrony and credited back to my checking account by XXXX XXXX XXXXXXXX ( Page 1 ). 
Subsequently, over the last year and a half, this XXXX has been credited, and been credited and debited from my Synchrony account numerous times. Not having computer statements accessible prior to XXXX, I can only estimate this happened 2 or 3 times prior to the information I am enclosing. 
XXXX statements I could access show a credit of XXXX on XX/XX/XXXX ( page 2 ), A correction on XX/XX/XXXX of XXXX ( page 3 ), a credit of XXXX on XX/XX/XXXX ( page 4 ), and finally a correction on XX/XX/XXXX of XXXX. It seems to start getting muddied up in XXXX when they start calling the XXXX a promotional purchase ( page 6 ). 
Since the onset of this dilemma, I have spoken with a number of Synchrony employees in various positions of authority. Each seems to interpret what they see on there computer screen differently. I have also sent statements ( registered mail ) verifying payment. 
Lastly, on the advice of my banker, we tried to coordinate a 3-way call in an attempt to have my banker give them proof of payment. The answer we were given was that only the XXXX XXXX department could handle such an issue. I was informed that I would be contacted by said department within the next 7 - 10 business days.nothing. I called again and was told 2 letters had been postednothing. 
All my attempts have been fruitless. I am hoping that with your authority, a resolution might be possible. 

Thanking you in advance, 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 monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
As of XX/XX/XXXX I had applied for the Goodyear credit card application from XXXX through citiBank my reference number : XXXX in financing my car repair total. In which I came to find I was surprisingly denied when proper exchange of my application/security was given to the creditor citiBank email received XX/XX/XXXX of XXXX. However, how is this so when proper exchange was given for the valuable consideration or the credit card I am rightfully owed for giving a security? ( my credit application in exchange was given. ) As stated from UCC 3-303. VALUE AND CONSIDERATION ( 1 ). The instrument is issued or transferred for a promise of performance, to the extent the promise has been performed ; In this case, CitiBank the creditor with the Goodyear credit card is to be GIVEN for this exchange as Valuable consideration a part of this Exchange per UCC 3-303. VALUE AND CONSIDERATION ( 1 ). Is dishonoredIn this i demand my credit card to be sent to me in complete acceptance as this exchange was done in COMPLETE good faith yet completely dishonored by CitiBank. through the giving of my application ( being a security ) in receiving the valuable consideration of my Goodyear credit card, exchanged on my end for my security ( credit application given in exchange ). With this I DEMAND the Goodyear credit card be accepted and given fairly. As the credit application is a contractual agreement between myself, the individual ( the applicant ) and a credit card issuer ( CitiBank ) with the valuable consideration properly given and upheld.

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 2024-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
My student loan payments started again in XXXX, after the payment pause. My bill was due on the XXXX, and I submitted payment on the XXXX. It was not credited to my account until after the XXXX and my account was showing past due. I attempted to call Mohela multiple times on the XXXX, XXXX and XXXX of XXXX to follow up and ask why my payment had not been credited. I was on hold for more than 2 hours each time I called, and was never able to get through. I then sent them a message regarding the issue and never received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate information in regards to debt I do not owe them and is in violation of the Privacy Act of 1974 and the Fair Credit Report Act. The FCRA states that consumer reporting agencies are responsible for respecting a consumer 's privacy in regards to non-public personal information. Additionally, any information reported must be with the consumers WRITTEN CONSENT per 15 USC 1681 section 604 ( a ) section 2 and the information MUST BE ACCURATE. I have NOT provided XXXXXXXX XXXX XXXX ANY written consent to publish my information. XXXX XXXX XXXX is in violation of 15 USC 1681 b and c because they are improperly using my consumer report and not meeting information requirement standards in regards to adverse information. In fact XXXX XXXX XXXX is committing identity theft as defined by 12 CFR 1022.3 because they are using my personal information without authority to do so or my consent. By using my personal information without my written consent they are in violation of 5 USC 552a. I have no contract with them and I have never done business with them. I did contact them requesting information to validate the accounts, and provide the original contracts and they have not done so. I have also received notices from 3rd parties which claim to have gotten my information from XXXX XXXX XXXX which is another violation of 15 USC 1681. XXXX XXXX XXXX reports information on accounts XXXX and XXXX I cant verify to XXXX, XXXX, and Equifax because they have reported inconsistent data across all 3 of these reporting agencies. I have never paid them anything ( because I do not owe them ) yet they have reported I made a payment on XX/XX/XXXX and that my account is both open and closed. They have been reporting inaccurate information since XX/XX/XXXX and are in violation of 12 CFR 1016.1 as I have received NO OPT out notices. These discrepancies also show that XXXX, Equifax, and XXXX are in violation of 15 USC 1681e compliance procedures which requires them to verify information and ensure information reported is accurate. Any and all consent to Equifax, XXXX, and XXXX in regards to these accounts whether verbal, non-verbal, written, implied or otherwise is revoked. Lastly, XXXX XXXX XXXX is attempting to collect a debt I do not owe them and on accounts that have been charged off by the original creditor ( XXXX ) Per the IRS charge offs ( the debt associated with those accounts ) are defined as income and income does not get reported on a consumer report. 
XXXX XXXX XXXX, XXXX, Equifax, and XXXX are 3rd parties reporting inaccurate information on my consumer credit report. This problem must be addressed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate information in regards to debt I do not owe them and is in violation of the Privacy Act of 1974 and the Fair Credit Report Act. The FCRA states that consumer reporting agencies are responsible for respecting a consumer 's privacy in regards to non-public personal information. Additionally, any information reported must be with the consumers WRITTEN CONSENT per 15 USC 1681 section 604 ( a ) section 2 and the information MUST BE ACCURATE. I have NOT provided XXXXXXXX XXXX XXXXXXXX ANY written consent to publish my information. XXXX XXXX XXXX is in violation of 15 USC 1681 b and c because they are improperly using my consumer report and not meeting information requirement standards in regards to adverse information. In fact XXXX XXXX XXXX is committing identity theft as defined by 12 CFR 1022.3 because they are using my personal information without authority to do so or my consent. By using my personal information without my written consent they are in violation of 5 USC 552a. I have no contract with them and I have never done business with them. I did contact them requesting information to validate the accounts, and provide the original contracts and they have not done so. I have also received notices from 3rd parties which claim to have gotten my information from XXXX XXXX XXXX which is another violation of 15 USC 1681. XXXX XXXX XXXX reports information on accounts XXXX and XXXX I cant verify to Experian, XXXX, and XXXX because they have reported inconsistent data across all 3 of these reporting agencies. I have never paid them anything ( because I do not owe them ) yet they have reported I made a payment on XX/XX/XXXX and that my account is both open and closed. They have been reporting inaccurate information since XX/XX/XXXX and are in violation of 12 CFR 1016.1 as I have received NO OPT out notices. These discrepancies also show that Experian, XXXX, and XXXX are in violation of 15 USC 1681e compliance procedures which requires them to verify information and ensure information reported is accurate. Any and all consent to XXXX, Experian, and XXXX in regards to these accounts whether verbal, non-verbal, written, implied or otherwise is revoked. Lastly, XXXX XXXX XXXX is attempting to collect a debt I do not owe them and on accounts that have been charged off by the original creditor ( XXXX ) Per the IRS charge offs ( the debt associated with those accounts ) are defined as income and income does not get reported on a consumer report. 
XXXX XXXX XXXX, Experian, XXXX, and XXXX are 3rd parties reporting inaccurate information on my consumer credit report. This problem must be addressed immediately.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
These companies have violated my rights by putting information on my consumer report without my consent

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 2024-01-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: TN

Complaint narrative:
I filed a claim with my XXXX card, for the transactions I did not make, which took most of my money, and I have yet gotten anything XXXX, I sit on hold for hours waiting to talk to someone, I had many transactions from the same place on my card which I looked up online n it goes straight to the XXXX company out of California, I have done everything required n yet I have not received my money, the names from the transactions are from a XXXX, and XXXX, with the same address in California, different amounts in a pattern of XXXX, XXXX XXXX, XXXX XXXX, XXXX through out a whole month and half that i which they took my money, I don't know i what other information to give the social security direct express card. I have changed cards changed, emails, changed passwords, and I have yet gotten my money XXXX. There was about XXXX in purchases that I did not do. For the months of XXXX AND half of XXXX 2023 I would like my money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-01-03 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
fradulent inquires have been made to my credit report. i have frozen my credit and taking the stpes to get my account protected XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I called last week to customer service to open a merchant dispute for merchandize not received. The bank denied the service saying that I dont have SSN so I cant get assistance by phone, in this case the bank is DISCRIMINATING me because I dont have SSN, tehy just said like a robot all the time " go to the branch '' and Im not in the US to go to the branch, is imposible, also the bank is violating the law " transfer act '' and regulation E and Z that allows customer to present a claim by phone, in person or in letter, giving the this choice to the customer, not the bank. 

Now I need to dispute those charges trough here : I went to the store XXXX on XX/XX/2023, to purchase XXXX smartphone XXXX XXXX XXXX paying {$84000.00} dollars each transaction. Because they didnt have it on stock they will send it to my house by XXXX XXXX 
Next day on XX/XX/XXXX I went again to the same store to buy another XXXX smartphone XXXX XXXX XXXX paying {$84000.00} each one. 
The expected delivery date given was XX/XX/XXXX. The store never sent me a tracking number or shipment information. 
The package never arrived so I tried to reach the merchant several times by the website and phone calls starting on XX/XX/2023, to ask about the shipment, to provide a delivery confirmation or to get a full refund. 
Nobody answered, Now I cant go in person to the store because I moved to another city.

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 2024-01-03 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO

Complaint narrative:
Morning of XX/XX/XXXX called Reverse mortgage company for a payoff request. Was advised it would be 3 business days. 
Afternoon of XX/XX/XXXX called to see if the information was available yet because the buyers were signing at XXXX that day. Agent said I'd have it end of business XXXX EST on XX/XX/XXXX. 
Morning of XX/XX/XXXX called reverse mortgage company to see if we could get the request expedited. Agent stated they don't do that and it would be end of business. Called Reverse mortgage again that day at XXXX for an update and received a message that the offices were closed for the holiday. 
XX/XX/XXXX called this afternoon at XXXX XXXX to see where the payoff letter was. Was told that the payoff department was behind and could take up to 7 days now. I stated that was unacceptable. They've had 5 full business to provide a payoff amount. She stated that they had to verify attorney fees. I said attorney fees for what. I told her this is their way of taking more money for no reason. And they prolonged providing the info to charge another month of charges. She said that their lawyers had the account for foreclosure proceedings because we didn't have the necessary paperwork turned in by XX/XX/XXXX. I've been in contact with them multiple times prior to XX/XX/XXXX and was never told I had to have paperwork in by that date. They stated we had until XXXX to get the paperwork in for the extension .We hadn't even had the house ready, cleaned out, Realtor hired or anything to be able to get a listing agreement. As soon as it was ready to list I got the information and emailed it over. I called to confirm they got it. They said that the listing agreement that they received was not accurate. They said there wasn't a price listed on it. So I reached out to my agent the same day and got a listed price on the agreement. And emailed it over to reverse mortgage right then. I called a couple days later to ensure that they got the information they did not. Supposedly I needed to send it to a different email address which I did while I was on the phone with him XX/XX/XXXX. Now I'm told today that they never received that email. That's ridiculous because they received other documents at that same email address prior. This is very frustrating and doesn't seem legal at all. I'm hoping you can assist with getting a mortgage payoff as soon as possible for us. 
I would text screenshots of the emails I've sent with the needed paperwork to request an extension and avoid foreclosure proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting 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:
I recently reviewed my credit report and noticed inquiries on my file that do not belong to me.

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