vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank continues to charge interest to a furniture purchase I made at Ashley Furniture store in XXXX. The have engaged in deceptive business practices and a series of omissions and misrepresentations including : 1. I did not receive written monthly statements 2. I was not contacted in any manner with notification that a promotional rate was expiring 3. The automatic monthly payment schedule was set up incorrectly 4. Synchrony has been unable to provide the actual invoice and rate/terms. In a letter dated XX/XX/XXXX, they state that they " have been unable to locate the specific sales receipt for the date and amount specified. '' 5. Since the discovery of the error, Synchrony has been unable and willing to resolve the error regarding the remaining interest on the account ( {$2800.00} )

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 2019-06-19 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: AL

Complaint narrative:
I sent both Equifax and XXXX  a request to provide me the original baring instrument that they had on file proving that they applied the accounts that were truly mine onto my credit file. I stated to both credit bureaus in writing that the FCRA Law Section 609 mandates that their agency have on file at the time of reporting a signed document showing that all accounts listed in my original letter were truly mine. However, both agencies have not provided me any documentation as required by the FCRA Law Section 609 stating that they have verified and have the written instrument showing that the accounts that I had in question belonged to me, which bared my original signature. However, both credit reporting agencies failed to send me the verified document, but instead, they just disputed the account with each creditor and then they lowered my credit score. I have also paid nearly {$8000.00} to one of my creditors ( XXXX XXXX XXXX ) in XXXX ofXX/XX/2019 and Equifax still did not increase my credit score. They lowered it. I have been on the phone with Equifax and XXXX  for several, several hours getting nowhere. Each representative appears to not be knowledgeable of the FCRA Law Section 609. They only offered to dispute the accounts that I listed on the letter I sent them certified. However, I did not ask them to dispute the accounts with the creditor, I specifically asked each Credit Bureau to provide me the proof of the signed instrument bearing my signature which they should have on file proving the account was mine. They have failed to do this and I would like the CFPB to enforce each credit bureau agency to comply with my request and since they do not have any proof that the account is mine to delete it off my credit file. I have attached the certified letters that were sent to both credit bureaus with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: NY

Complaint narrative:
Hi my name is XXXX XXXX and I am contacting you because I have had continuous problems with XXXX TransUnion and XXXX  putting inaccurate information on my credit reports. I am XXXX and also have a XXXX child and this is causing a tremendous strain on my life and also the welfare of my childs life. Please make these companies remove the inaccurate information because it is fraudulent and does not belong to me so I want it removed off my credit reports at once. First I would like the following hard inquiries removed because they are fraudulent and do not belong to me XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX I want this removed from all my credit reports at once because this does not belong to me it is fraud, I also would like removed XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX - All Banks I want this removed right away because this is fraudulent and I did not apply for this I am a victim of identity theft.

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 2019-06-19 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: NY

Complaint narrative:
Hi my name is XXXX XXXX and I am contacting you because I have had continuous problems with experian XXXX and XXXX putting inaccurate information on my credit reports. I am XXXX and also have a XXXX child and this is causing a tremendous strain on my life and also the welfare of my childs life. Please make these companies remove the inaccurate information because it is fraudulent and does not belong to me so I want it removed off my credit reports at once. First I would like the following hard inquiries removed because they are fraudulent and do not belong to me XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX I want this removed from all my credit reports at once because this does not belong to me it is fraud, I also would like removed XXXX XXXX XXXX  XXXX XXXX from XX/XX/XXXX - All Banks I want this removed right away because this is fraudulent and I did not apply for this I am a victim of identity theft.

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 2019-06-19 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: NY

Complaint narrative:
I opened a XXXX and Banks store credit card on XX/XX/2019. 1st purchase XXXX. Downloaded app and set up online banking to pay bill on XX/XX/XXXX. On XX/XX/XXXX I was notified my payment didn't process, I immediately called and made it over the phone. I asked what the balance was, told my card balance was XXXX. I authorized the payment to bring my account to a XXXX  balance. I was told my payment did not process on XX/XX/XXXX due to an invalid account number. I was told I must have typed incorrect information. I tought the matter was taken care of. On XX/XX/XXXX, I received my online statement showing I had a balance of XXXX. I was changed XXXX for a returned check fee on XX/XX/XXXX, a fact I was never told about when I called on XX/XX/XXXX. I was the charged a late fee on XX/XX/XXXX plus XXXX in interest. How can the charge a fee on top of a fee plus add interest. Had I be told on my phone call on XX/XX/XXXX, I would have taken care of it at that point. I was not told, then charged fee upon fee. In my opinion this is a predatory practice and deceptive. I had to argue with them to waive the late fee and intrest. I paid the one fee of XXXX and closed my account. How can they get away with charging XXXX over a XXXX balance when I only had the account for a month? If they are doing this to me, how many other are they taking advantage of? This is a horrible business practice Also, since my phone app show a XXXX balance, I had no reason to look further into the account. If my balance shows XXXX, then I would be lead to believe I do not owe anything else. Even with a fee of XXXX on my account, my balance still shows XXXX due. I have included screen shots of my transactions plus what my app shows that I have XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: AZ

Complaint narrative:
Account # XXXX This account was paid XXXX XXXX With XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ga. XXXX XXXX Referance # XXXX XX/XX/2019 I got a call from a XXXX XXXX at XXXX. She was given the account number. 
She said she would contact Capital One. 
XXXX I got a call form XXXX XXXX at XXXX. The return phone number was XXXX. Their case number is XXXX. 
I spoke to a XXXX XXXX. She said was being named in a legal actions for nonpayment of this same account number. 
She said her office is located in Georgia. Her emplyee ID # XXXX. 
I was advised by XXXX XXXX XXXX to file with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
I have a home equity line of credit that Rushmore loan Management Services took over last year. I had a payment due on XX/XX/XXXX of 2019 for {$140.00}. I made a payment on XX/XX/XXXX with check number XXXX on my checking account and the Credit Union says that that payment was taken out of my account on the XXXX of XXXX. Rushmore has called me on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX claiming that I did not make my payment for XX/XX/XXXX. On XX/XX/XXXX I spent hours on the phone calling and trying to reach someone at Rushmore. After calling them 29 different times I was finally transferred to a supervisor named XXXX XXXX. XXXX admitted that they showed I made a payment of {$140.00} on XX/XX/XXXX. He stated he would have to look into it and get back to me. XXXX gave me his name phone number and extension I've tried to call him back three different days never been able to reach him or a voicemail for him. I made the payment for XXXX my bank shows they took the money they admit they took the money and they continue to harass me every single day claiming that I owe them {$140.00} for my XX/XX/XXXX payment. This is not the first problem I have had with Rushmore they tried to do the same thing to me with my XXXX payment also they tried to charge me hundreds of dollars a month in XXXX and XXXX for hazard insurance after I proved to them months before that I had Hazard insurance on my property. Trying to reach anyone at Rushmore loan services that can help you is impossible. The only people you can get a hold of are in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: OH

Complaint narrative:
I have been requesting METHOD of Validation for this accounts since XX/XX/2019 : XXXX  # XXXX XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX  XXXX # XXXX The only information sent was account was verified that comes through XXXX system. Which is not an full investigation as this are not my accounts. The credit agencies and not produce the information as required. 

I have the certified mail receipt which show that request was received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19 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: CA

Complaint narrative:
I AM HAVING ISSUES WITH EQUIFAX, THERE ARE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT, I HAVE ALREADY CONTACTED THE CREDITORS THEY HAVE ADVISED ME TO SUBMIT MY IDENTITY THEFT REPORT. XXXX  AND XXXX XXXX HAVE ALREADY UPDATED THEIR RECORDS AND THEY HAVE REMOVED THE FRAUDULENT ACCOUNTS FORM MY CREDIT PROFILE. EQUIFAX IS NOT REMOVING THE ACCOUNTS, I DON'T UNDERSTAND WITH WHOM ARE THEY CONFORMING ANY INFORMATION, THEY ARE GIVING ME HARD TIME EVERY TIME I AM CALLING TO GET ANY INFORMATION IN REGARDS TO MY DISPUTE. I HAVE SENT THEM NUMEROUS TIMES MY IDENTITY THEFT REPORT, ALONG WITH MY OWN PERSONAL STATEMENT. I AM A VICTIM AND SEEMS LIKE THEY DON'T CARE TO HELP CONSUMERS IN ANYWAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/2019, I requested information in person at a bank branch of PNC Bank in XXXX XXXX, IL. I have a Money Market account with approx. {$6100.00} balance. This was my mother 's account until she died in XX/XX/XXXX. It is a joint account, and I am now trying to manage the funds after her death as she would have wished. On XX/XX/XXXX I turned in her Death Certificate to this branch, and I returned on the XX/XX/XXXXfor further information. 

All I was asking for was the account information ( minimum balance, fee structure, etc. ) and current interest rates. They refused to provide the interest rates in writing per my request. The manager stated that he would tell me the rates verbally, but would not provide them in writing. They also did not provide the basic account information until I demanded it three times. They wanted to go over it verbally with me or show me on a screen. 

My understanding is that account interest rates are a matter of consumer protection -- honesty, clarity, and transparency being the goal. The manager smiled and acted as if what I was requesting was rather ridiculous- current interest rates in writing. He said that they change frequently. 

I have the document provided me in which all of the interest rate amounts are filled in with X 's instead of numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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:
First off, back in XX/XX/2014 it says about 3 different credit card accounts were opened using my name, social security number. One of which is still not paid off and has put me in credit debt and ruined my credit before I even turned XXXX, which Im still trying to fix! Additionally, I had to submit a background check for the college of my choosing - and I just saw some incorrect information on there which I know could just be a mistake in the system Like it said but because I have the issue of the unknown credit accounts opened in my name, I dont want to take any chances. I am reaching out to you for help potentially to fix this mess before more of my personal information gets stolen or anything else happens. Thank you for the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: OH

Complaint narrative:
I have been requesting METHOD of Validation for this accounts since XX/XX/2019 : XXXX/XXXX # XXXX XXXX/XXXX XXXX # XXXX XXXX/XXXX # XXXX XXXX XXXX XXXX # XXXX The only information sent was account was verified that comes through XXXX system. Which is not an full investigation as this are not my accounts. The credit agencies and not produce the information as required. 

I have the certified mail receipt which show that request was received.

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 2019-06-19 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: OH

Complaint narrative:
I have been requesting METHOD of Validation for this accounts since XX/XX/2019 : XXXX/XXXX # XXXX XXXX/XXXX   XXXX  # XXXX XXXX/XXXX # XXXX XXXX   XXXX XXXX # XXXX The only information sent was account was verified that comes through XXXX-XXXX  system. Which is not an full investigation as this are not my accounts. The credit agencies and not produce the information as required. 

I have the certified mail receipt which show that request was received.

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 2019-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Certegy Holdings, LLC
State: MI

Complaint narrative:
Certegy is a company that authorizes transactions when a retailer accepts a personal check as payment from a customer. Certegy informed me on or about XX/XX/XXXX that 23 checks written in my name to several retail establishments in my local area. The checks were verified based on my driver 's license number. I did not write these checks, so somehow someone had gotten a copy of my driver 's license. Certegy provided me with the name of bank that the checks were supposedly written from. I do not have an account at that bank. I called the bank and they told me that the account number on the check did not exist, so the checks were fraudulent. I filed a report with my local police avidavid department. Now Certegy has required that I submit an affidavit containing personally identifiable information to prove the checks are fraudulent. Due to my common name I have been a victim of identity theft twice in the last six months, so I will not give up my PII. Because of this Certegy has threatened to hurt my credit rating unless I give them the information. Certegy 's check approval procedures are deficient and I should not be responsible for fixing there mistakes by providing information that may expose me to further identity theft.

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 2019-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: AR

Complaint narrative:
Got letter today from IC System stating I owe XXXX XXXX {$700.00}. I have never had an account with them. If you go back through your files you will see I have filed a complaint about this going back to XXXX. This is the 3rd or 4th debt collection agency that this has been shuffled off to. Each time dispute this I win. I have spoken to XXXX   about this in XX/XX/XXXX speaking to them to send me a copy of a signed contract and copy of my ID proving this. I have the email if you need them proving I spoke to XXXX XXXX. I have proof I lived at XXXX XXXX. XXXX and you can find me under the bankruptcy website showing you the XXXX XXXX address I lived at and there is a news article in the XXXX XXXX XXXX where my apartment was burned. I made the front page. I had an XXXX  satellite at that time of the fire. If this was my debt all I would have had to do is file it under my bankruptcy I filed after my apartment building burned. XXXX never bothered me again until today well the new collection company this debt has been sold to rather. So I am reaching out to your agency again. This is not my debt, please help me out again. Thanks

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 2019-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I went to XXXX XXXX to ask about Phone plans, So I can compare to my current Phone Plan that I have. I informed the XXXX XXXX Staffer not to take any action before giving me all the options then I will refer to my budget plans and decide which way to move. He informed me that he will see my old pulled report of credit score! I told him to make sure not to hit my credit score, He said I will not i will look at the old one. I ended up having a hard inquiry on my credit score. He said sorry for the mistake but that not gon na help me remove his mistake off my records. Please help 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
Consumer complaint received 2019-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
PLEASE REMOVE THE FRAUD ALERT FROM MY PERSONAL CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I tried to access my account to review my transactions and a message popped up saying " we can't display transactions right now. '' We're working to fix this. Please check back soon. After trying for six days I contacted customer service on XX/XX/XXXX. I was told this is a system problem and they would EXPEDITE it. I have contacted them numerous times since with the same response and NO RESULTS. Here it is almost a MONTH later with NO RESULTS.

Company response to consumer: Closed with explanation