vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-20 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: MD

Complaint narrative:
I XXXX, XXXX has been trying to dispute these alleged account on my consumer report for months now and all ive been getting back is to verify dispute. ive sent all the required documents for these accounts to be blocked and remove required by law pursuant to 15 usc 1681 ( a ) ( 2 ). Transunion is a An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. Pursuant to the definition section in the FCRA 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from the consumer report. FCRA 15 USC 1681a ( d ) ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. These violations can result is a fine for violating my consumer rights law. Pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance your liable for up to {$1000.00} Each violation you committed. Also pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports I didn't give anyone permission to furnish my consumer report. The court didn't give you or the furnish the authority to furnish my consumer report. I the consumer didn't give you written instructions to furnish my consumer report if so provide the Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records.

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 2021-10-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
This is a problem with the Synchrony Bank. I had an account with Sam 's Club for a long time. Then they sent another card without notifying me which I never received. I could not get into my account online. They had mailed that card to an address in XXXX. I called and they closed that account and issued me another card. They same thing happened again. 

I opened a Lowes credit card account. The same thing happened with the Lowes account. 
Lowes also uses Synchrony Bank. The same thing happened twice. 

Today I received another email from Synchrony Bank about a Lowes account. I had to click on a link to open the letter. Again my zip code to open the letter would not work. 

I have not changed my address in over 30 years. I had to call the bank again to keep them from sending out a card in my name to an address in XXXX, Fl. 

I have plenty of credit and have had no problem with other companies or Banks

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 2021-10-20 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Bridgecrest is not assisting me with several disputes I have emailed and sent via mail. regarding a removal of the late payments on dates of XX/XX/XXXX, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This is a new development on a prior situation. 

I've tried to work with Citi and HomeDepot on the whereabouts and origin of a purchase made which shows as {$17.00} late on my credit statement for some points between the month. I canceled the card as lost/stolen and you should've taken off the {$17.00} charge and you didn't, I disputed it long ago. I've said over and over that I had NOT ever received statements since I was NOT living at the address you apparently sent the bill to, and if you check the forensic online records, my entry to your system had never taken place. You can see screenshots now, that these cards were disputed as lost/stolen in the past, and I can't even change any of my account information. Your supposed notice is invalid and the charge/debt is also invalid. After talking with my husband, he said he is willing to say he must have taken the card to use that day and not had my permission and he is willing for citi or home depot to take the money straight from him. Therefore, I am now again disputing this charge as unauthorized. HD never checked his ID or his address. CITI already admitted that my address was wrong, and they had to change it to the correct address later and give me a new card to reflect the error and unknown whereabouts of the card. We believe that if you checked the cameras at home depot on the {$17.00} charge, it would not be me on the camera and this transaction is unauthorized.

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 2021-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
I made a payment on the XXXX of XXXX the credit card company ( Aspire ) they said it takes two days to apply the payment and was pulled out of my account on the XXXX and today is the XXXX. Everyday I call they tell me it will be available the next day and the next day arrives and its not available and they keep giving me the run around and not releasing my funds. They keep repeating the same thing over and over without releasing my funds that I paid on the XXXXThey wont even call my bank to verify the funds have been withdrawn when it clearly has been. Im not sure what they are doing with my money but something doesnt seem 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 2021-10-20 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: VA

Complaint narrative:
All 3 major credit bureaus performed retaliatory actions and sunk my credit score by almost 80 points after I filed a complaint against their illegal reporting of my credit. This is illegal and disgraceful and must stop!

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 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
Lexington law is a gimmick. I laid XXXX XXXX month for a year to remove a negative remark. 
They kept saying they removed it but they truly didnt. XXXX XXXX credit card is what shows late but its not. They keep saying they removed it but they only removed it from the old credit card number. Than XXXX XXXX moves it to the new credit card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Ive sent several letters to bureau and companies itself through cfpb and no resolution.

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 2021-10-20 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
i contacted navient that the accounts they have are fraudulent and incorrect, i gave them a chance to resolve the matter, but then when i pulled my credit report the items were still on my credit report, i then disputed threw the credit bureaus XXXX, which found that the accounts fraudulent and the accounts were removed. the accounts are now showing on my credit profile for XXXX XXXX, i requested the original promissory note from navient which they were never able to provide the original, they sent me a copy that looked doctored,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: NC

Complaint narrative:
Account Name KIKOFF LENDING LLC Account Number XXXX Date Opened XX/XX/2020 Balance {$12.00} The information they are reporting is incorrect and I do not know this company and I never did a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: AK

Complaint narrative:
The company did not provide any details that I requested. 

once again I request # 1 Itemized list of exactly what the damages were.

# 2 Prove to me that a written notification was sent notifying that I had outstanding charges BEFORE it was sent to collections. I WAS NEVER NOTIFIED.

# 3 PROVE to me that I am responsible for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: VA

Complaint narrative:
All 3 major credit bureaus performed retaliatory actions and sunk my credit score by almost 80 points after I filed a complaint against their illegal reporting of my credit. This is illegal and disgraceful and must stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: VA

Complaint narrative:
All 3 major credit bureaus performed retaliatory actions and sunk my credit score by almost 80 points after I filed a complaint against their illegal reporting of my credit. This is illegal and disgraceful and must stop!

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 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
Ive sent several letters to bureau and companies itself through cfpb and no resolution.

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 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Yamaha Motor Finance Corporation USA
State: GA

Complaint narrative:
Ive sent several letters to bureau and companies itself through cfpb and no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
A company called XXXX has placed a debt on my credit report that I do not own. I have never applied for any loans with this company and have no knowledge of this ever being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX I applied for a card in a best buy store. Approximately 10 days later I called to get a new card and was told I would need to verify my account to change my address and get a new card. I was told I would get a call or a letter to verify my address. I received the letter but no call. I called in to verify the code in the letter and was told I would receive a card in the mail within 10 days. Approximately ANOTHER 10 days later I called to let them know I had not received the replacement card. They locked my account and told me I would get another call and/or letter. I have not received either yet and need to make a payment on my account. On the other hand, I would also just like my card because I do not know where these cards are going and/or who has them. I have also been told they are unable to verify my account via text message because they can not send a text message but I get text messages from them telling me that my card has been shipped or returned to them.

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 2021-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
Spring oaks capital LLC is re opening a debt and hitting my credit score again for a debt already reported and impacted my score. This dropped my credit score XXXX points for something showing under another debtor already.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have been disputing an old account with the bureaus. There is an account with XXXX XXXX for which I requested the payment history directly from the company and they have yet to respond to me. That was XX/XX/2020 and yet they supposedly respond to the bureaus. Experian is showing that they validated the information however how can an account be 90 days late without ever being 60 or 30 days delinquent? That is just common sense!

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 2021-10-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This is a new complaint concerning PayPal Credit but the same that was complained in the first. PayPal has special finance easy pay purchases for purchases over {$99.00}. 
This special finance gives you 6 months with no interest to pay off purchase. 
The other is 24 months easy pay purchase with 24 months pay at a fixed amount. 
Having both of these running concurrent being asked to pay the minimum purchase amount every month on the account. With this being done in good faith, sometimes making payments ahead through the months to meet or exceed the amount asked for on the minimum monthly payments. 
Over the time since starting a 2 year easy purchase with making other purchases on the 6 month no interest plan i noticed that PayPal Credit not keeping the balances of the account on that end, in fact i have made payments with some of the amount not being placed towards the account on any purchase, matter of fact i will state that part of the payments were hidden and when the questions aroused no answer that was given made any sense. What i was told was that they would get a team on it but it will be 2 billing cycles before it can be corrected. keep in mind that during this time the special finance purchases would be expiring in 2 weeks with no payment or a small amount placed toward this over the amount of payoff time agreed upon to allow the expiration of the allowed payoff time which will add the accumulated interest to the account balance. 
I have contacted them so many times over the terms of these special finance, i have stop counting because i run out of fingers. 
The last excuse that was given was that i had a purchase in XXXX that i did not payoff and that just because it is no longer being listed on the account doesn't mean it doesn't exist. 
And that causes me to believe that PayPal is taking some amount of the payments and not placed them towards balance of the account and even not placed them to the proper items to stay current on the account because i did. 
I advised them that i can no longer use their service until this has been corrected.

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 2021-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
Good day, My name is XXXX XXXX and I live at XXXX XXXX XXXX, XXXX, Ohio in XXXX XXXX. My Mr. Cooper / NationStar loan number is XXXX. I was awarded {$10000.00} from XXXX XXXX  XXXX Ohio to bring my mortgage currrent and pay my mortgage for 6 months, from XX/XX/XXXX to XX/XX/XXXX. Unfortunately, Mr. Cooper / Nationstar did not accept the funds before I completed my trial modification, resulting in an increase to the principal of my loan, and an extension to my payments. I have contacted Mr. Cooper / Nationstar, several times, and no one can explain what is going on. Save the XXXX Ohio keeps saying that Mr. Cooper / Nationstar will not accept the funds. This is a FHA mortgage loan, so they should have accepted the federal funds. It seems like Mr. Cooper / Nationstar is trying to force my home into foreclosure. I am also a claimant in one of the class action lawsuits against Nationstar that they keep appealing, and delaying compensation for the wronged customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
My identity has been stolen. I live in XXXX for 8 + years. Before that I lived in XXXX. I have own a home in XXXX XXXX XXXX till XX/XX/2021 and paid all utilities mortgage insurance etc there. Now I live in XXXX XXXX. I have never lived or visited the state of XXXX. Unbeknown to me someone has open utilities in XXXX on my name. Transfer money for them at XXXX XXXX from my XXXX XXXX XXXX account. XXXX dollars using a phone transaction. Someone applied for unemployment in XXXX in my name. Thank God is was denied. I received the denial letter. XXXX XXXX  thru XXXX and XXXX XXXX collections XXXX. XXXX XXXX thru XXXX XXXX XXXX XXXX. XXXX XXXX XXXX retail XXXX. XXXX XXXX thru online information XXXX XXXX XXXX thru XXXX XXXX XXXX XXXX XXXX thru trans world systems XXXX. XXXX XXXX XXXX thru XXXX XXXX XXXX XXXX. This are utilities open in XXXX using my identity to open them. When I went to buy a car this year during summer I found out my credit was bad. I then had to put down XXXX to get a better payment. Since my credit was bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: MA

Complaint narrative:
Hunter Warfield has called several times on different numbers and they never acknowledge e who they are with. I can not pay a bill if I am not sure who they are with. I do not owe this bill either. They refused to stop contacting me and they used different numbers so I am not able to block their number

Company response to consumer: Closed with explanation