vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-02 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was on the Amazon App shopping. Applied for line of credit to get a credit and the total sum would be {$200.00}. The application said I got denied but then got stuck and later i got emails saying I was approved. I got the credit card in mail XXXX XXXX XXXX account. But the emails was coming from Synchrony. I went to Synchrony email and website to register the card I got in the mail and said it didn't register in the system. XXXX is not showing the transaction from that card that was received. XXXX has bo record of that amount. Amazon has no clue and routes to speak with Synchrony and XXXX to find out issue and both XXXX and Synchrony also dont show the transaction. Transaction is on and or around XX/XX/2019. {$200.00}. Synchrony is charging me for a bill of over {$300.00} and I'm trying to resolve this but the Financial Institutions have no record of the transaction and I dont want this to affect my Credit At ALL if this does not get paid on time or in general.

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 2019-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Best Buy / CitiBank failed to give notice that they had charged an inactive credit card and have charged me exorbitant late fees - Their records indicate that my name is associated with three different account numbers - An inactive card was charged - Company failed, after numerous calls, to locate debt - NOTE : that 2 offices of Best Buy credit services and Citibank NA Recovery department are involved 1. Purchased item at store for less than {$200.00} with credit card ( late XXXX XXXX ) 2. Received notice from XXXX XXXX ( XXXX ) that Best Buy card was more than 30 days late and that my credit score was down 3. Called Best Buy customer service at least 4 times ( XXXX ) and they verified credit card was up-to-date no late payments and sent me letter verifying that 4. Subsequently received letter from another Best Buy office that charge / late fees were valid 5. Called Best Buy customer service again. Gave them card number that was on second letter, which was different than card I use ending to make original purchase. Rep said this account was the same card, but then transferred me to manager 6. Manager claims store associate charged a card from 8 years ago 7. Never received a bill, email, or collection call for this charge. When my Best Buy bill is due, I get an email alert and pay with autopay on time every month 8. Cards were linked I received an email asking me to review all the current products I had purchased at Best Buy, including the most recent purchase, allegedly on another card. Best Buy could have reached me before charging late fees and contacting credit bureau 9. When I did finally get a bill in XXXX, with an altogether different account number, late fees had already been added totaling more than {$100.00} 10. When I tried to reach Best Buy again with this account number, they had moved the account to the Recovery department 11. Called Recovery department. Reps were totally uncooperative. I filed a dispute with them, which was never considered or even looked at 12. Received a bogus letter from Recovery department that said they needed more information. When I called back, Rep said that was an auto-generated letter and that they did not need more information just wanted to let me know they would not reverse any of the fees 13. I have received another bogus letter that my enrollment in an Enhanced Debt Protection program was canceled and that I should call them. I was never enrolled in such a program 14. I now owe more than {$600.00} for a purchase that was less than {$200.00} and my credit is ruined 15. Please help 16. I can supply documentation for any of the above claims

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 2019-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have see and do thing that Im fix my credit an Im knowning someone useing my information and I go to the web to sign up for the account. In months period Im paying on time payment the sore that I see the first time dropping so much that I seeing first so different I been call and writing email but it not changed anything with the payment that Im make ontime. Can someone please take a look at at my file to judge or see. Please email me back thank u

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 2019-12-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$600.00}, {$1200.00}, {$560.00}, {$190.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-ACCOUNTS- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$600.00} -This is not my account. 

-STUDENT ACCOUNTS- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$560.00} -This is not my account. 


XXXX XXXX 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
This is in response to the comments submitted by Ditech regarding a previous complaint I filed. There are several discrepancies regarding my modification request. First, the information regarding XXXX XXXX making modification decisions is in correct. I am including the facts from XXXX XXXX in my comments. Second, there is a comment about me having a delinquent water bill that is incorrect because the only accounts including in my mortgage are taxes and insurance premiums. Third, as the servicing agency, Ditech claims it was not award of FHA alternatives to foreclosure including special forbearance and partial claim. I received information from both of these from FHA and contacted Ditech by phone as email regarding these options. The modification process used by Ditech is the most confusing process I have ever experienced. All I wanted after regaining employment was the opportunity to get my mortgage current and it has become a nightmare that may force me into bankruptcy to keep my house. I have continued paying after my 90 day trial and I still received a letter about foreclosing. I sent Ditech 's response to FHA and XXXX XXXX because my situation was not handled right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$600.00}, {$1200.00}, {$560.00}, {$190.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616,  and pursue legal action. 
-ACCOUNTS- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$600.00} -This is not my account. 

-STUDENT ACCOUNTS- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$560.00} -This is not my account. 


XXXX XXXX 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$600.00}, {$1200.00}, {$560.00}, {$190.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616,  and pursue legal action. 
-ACCOUNTS- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$600.00} -This is not my account. 

-STUDENT ACCOUNTS- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$560.00} -This is not my account. 


XXXX XXXX 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc.
State: MO

Complaint narrative:
This company appeared on my credit report out of nowhere ... Never heard of this company before ... Don't have any idea about the amount they claim owed ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
XX/XX/2019 To whom it may concern : I need assistance from the Consumer Financial Protection Bureau. I received a collection letter dated XX/XX/2019 from a collection agency by the name of Convergent Outsourcing , Inc . 

This collection agency is charging me for a fraudulent debt that is not mine, and I have never owed. 
The charges are fraudulent, and they are claiming that I owe a company by the name of XXXX XXXX , XXXX {$8000.00}. 

They have also listed another company by the name of XXXX XXXX XXXX as the supposed Original Creditor. 

I want to report this collection agency, as well as its cohorts for trying to defraud me. I have never done business with these companies and this debt is a scam. 

This company is slandering my credit as well as my name, and I want any collection account, or any derogatory information that they have placed on my credit files removed immediately, and I want hard copy proof on their letter head that, that has been done, as well as I want written proof that this fraudulent collection account has been permanently removed from their companies files. 

I also want Convergent Outsourcing, Inc., and it cohorts, to cease and desist from contacting me ever again with their fraudulent made up collection accounts. 

I looked up this XXXX XXXX XXXX and it appears that they and Convergent are working together to go after consumers with claims for fraudulent debts that they are creating, and the consumers do not owe, they are trying to get consumers to pay them for fraudulent debts. 

( Copy of collection letter has been uploaded for the CFPB to review )

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 2019-12-02 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Hello - I contacted Commenity Credit about my XXXX MC card on XX/XX/2019 via email to report fraud usage on my account. On XX/XX/2019 my purse was lost and my XXXX credit card was in my wallet. All of my personal information including my driver 's license and social security card were in my wallet. My cellphone was also in my purse. I immediately reported to my other creditors that my purse was lost, but did not report to Commenity because I had not activated the XXXX card. I had only used the XXXX account one time when it was initially opened in the store. I received a response back to contact the fraud services department and i did so opening a fraud claim. While speaking with the representative, he was not really paying attention to what i was saying and later i actually received two cards in the mail because he ordered a new card twice. If you listen to the call recording you will understand what i mean. I also received two fraud affidavits in the mail. I did fill out and return the fraud affidavit to Commenity as requested. I only contacted Commenity when i did because i saw the account balance show up on my credit report and knew i had not made the purchase. Commenity sent me a generic letter and advised they had completed a review and found no evidence of fraud. I contacted them back by email on XX/XX/2019 and was told to contact the fraud department to open a claim again. When i asked for evidence of their investigation, their response was to contact the fraud department to open a claim, which i already did and they told me they found no evidence of fraud.I have now replaced my cellphone and am getting call after call after call. today i received 5 and yesterday i received 6. Last week i received a call from a local collection agency and i advised them as i have advised Commenity that the charges were made without my permission and i do not know the person who made the charges. I now have received an update on my credit bureau that the account is reporting past due and has been closed. This is negatively impacting my credit because Commenity has failed to resolve the issue. I should not have to go to so much trouble to get a creditor to do the right thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-02 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I mailed Chrysler Capital a letter dated XX/XX/2019 demanding that they update incorrect reporting to all three credit reporting agencies. Chrysler Capital mailed me a response dated XX/XX/2019 requesting information from me which I had previously mailed in my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
On XX/XX/2018, I had to have XXXX done at XXXX XXXX Hospital in XXXX XXXX. I presented my insurance documents and paid the {$100.00} co-pay. 

After this, I never received a bill for this service or any request for payment. 

While checking my Credit Report I noticed there is a collection for {$1400.00} from UNITED COLLECTION BUREAU. 

My insurance, XXXX XXXX negotiated the appropriate discounts and determined that the total covered was {$1900.00} of which they paid {$1400.00} on XX/XX/2018 ( please see document attached ). 

The Patient Balance on this document is {$510.00} I never received a bill or a statement requesting any payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USI Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2019 To whom it may concern : I need assistance from the Consumer Financial Protection Bureau. I received a collection letter dated XX/XX/2019 from a collection agency by the name of XXXX XXXX , XXXX XXXX 

This collection agency is charging me for a fraudulent debt that is not mine, and I have never owed. 
The charges are fraudulent, and they are claiming that I owe a company by the name of USI Solutions , Inc. {$8000.00}. 

They have also listed another company by the name of XXXX XXXX Bank as the supposed Original Creditor. 

I want to report this collection agency, as well as its cohorts for trying to defraud me. I have never done business with these companies and this debt is a scam. 

This company is slandering my credit as well as my name, and I want any collection account, or any derogatory information that they have placed on my credit files removed immediately, and I want hard copy proof on their letter head that, that has been done, as well as I want written proof that this fraudulent collection account has been permanently removed from their companies files. 

I also want XXXX XXXX, XXXX, and it cohorts, to cease and desist from contacting me ever again with their fraudulent made up collection accounts. 

I looked up this USI Solutions Inc. and it appears that they and XXXX are working together to go after consumers with claims for fraudulent debts that they are creating, and the consumers do not owe, they are trying to get consumers to pay them for fraudulent debts. 

( Copy of collection letter has been uploaded for the CFPB to review )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2019 counselor XXXX XXXX XXXX Housing Counseling Agency XXXX provided documents for loan modification as of XX/XX/2019 neither Wells Fargo Bank has approved or denied. Wells Fargo Bank so far has not requested any additional documents. Around XX/XX/XXXX we had phone conversation with the manager named XXXX XXXX form HUD counselors office. He was supposed to get back with HUD counselor but has not done that so far. I received two docs stating account is past due and need to pay before other proceedings take place. I called W.F.B staff personnel on XX/XX/19 XXXX id # XXXX hang up phone on me. Attorney of records XXXX XXXX XXXX and all and entire information has come from him. But W.F.B is also violation litigation right by communicating with and than they have attorney on records. If W.F.B needs not to communicate with attorney they should notify in writing no attorney is representing. Other wise its harassment and contempt of court and I will cease providing documents to attorney of records and inform this to court. XX/XX/2019 date of filing

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