vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-22 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Back in XXXX a Guitar Center employee signed me up for a credit card only to find out that the product I wanted was NOT available. So because of this I closed the account with them because I did not authorize a hard pull due to the fact that the item that I wanted was not available. This is XXXX XXXX because when I went to go get a XXXX Credit Card last week they did a hard pull and told me that I was denied because of Synchrony Banks/Guitar Centers mistake. My credit score is XXXX so I really don't see the problem besides it being that. I need to get Synchrony Bank off of my credit report immediately so I can be reconsidered for the XXXX store Credit card.

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 2020-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc.
State: GA

Complaint narrative:
I am unaware of this debt or company, I have received any bill or written correspondence for my right to dispute thus collection

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: CITIBANK, N.A.
State: WA

Complaint narrative:
I had booked and placed two cruise bookings on XX/XX/XXXX with a deposit of XXXX each on my Costco Citi Card. These bookings were for two cabins on XXXX XXXX for a 7 day sailing from XXXX to Alaska on XX/XX/XXXX. There were two charges on my credit card of {$350.00} because of the two separate cabins. In XX/XX/XXXX I cancelled one of the cabin bookings and received a credit on XX/XX/XXXX for my XXXX deposit. That left only XXXX cruise booking charged on my Costco Citi Card. 

Subsequently the XX/XX/XXXX cruise was then cancelled due to Covid. XXXX XXXX did not provide a full refund after they cancelled the cruise. Therefore, I filed two separate dispute to get a full refund for the cruise which was the XXXX deposit and XXXX cruise balance ( charged on XX/XX/XXXX ). I was successful in getting the {$2400.00} refunded but still have been unable to get the XXXX refunded from Citi. 

I first filed my dispute for the XXXX on XX/XX/XXXX. On XX/XX/XXXX they sent me a letter erroneously stating that XXXX had credited my account for XXXX. I told them the credit was for a different booking. After numerous phone calls trying to have the dispute re-opened, they requested I file a new claim. I filed a new claim on XX/XX/XXXX. I subsequently was told on XX/XX/XXXX that too much time had elapsed between when the XXXX charge was made and the opening of the new dispute claim. 

Citibank made an error on my initial XXXX dispute sent on XX/XX/XXXX when they closed a valid claim on XX/XX/XXXX. Now Citibank is claiming I was late in making the claim when they were at fault for closing my valid XX/XX/XXXX claim. 

I have attached all the documents to provide a history of what has occurred.

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 2020-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I applied for the capital one secured credit card, they sent me a email immediately after applying asking for me to send income verification documents. I uploaded them in a timely manner and met all qualifications. I was denied the card for unknown reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: PA

Complaint narrative:
i have submitted multiple investigation requests to verify and validate this debt with XXXX XXXX as well as all 3 credit bureaus and they say they completed and investigation and it is verified ... .how can they have conducted a full investigation if they are reporting inconsistent across all 3 bureaus? they didnt and that is a major violation of my rights..they are ruining my credit with the reporting of this inaccurate account,,, ,i am attaching a snip of my 3 bureau report ... ..there are too many to point out but look at thhe snip ... look at the 2 year history, this account has been re-aged, they are reporting a credit limit on a charged off account, the high credit is inconsistent, etc .... i need this removed immediately due to the lack of a proper investigation with all 4 parties i disputed to

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 2020-12-22 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: PA

Complaint narrative:
i have submitted multiple investigation requests to verify and validate this debt with XXXX XXXX as well as all 3 credit bureaus and they say they completed and investigation and it is verified ... .how can they have conducted a full investigation if they are reporting inconsistent across all 3 bureaus? they didnt and that is a major violation of my rights..they are ruining my credit with the reporting of this inaccurate account,,, ,i am attaching a snip of my 3 bureau report ... ..there are too many to point out but look at thhe snip ... look at the 2 year history, this account has been re-aged, they are reporting a credit limit on a charged off account, the high credit is inconsistent, etc .... i need this removed immediately due to the lack of a proper investigation with all 4 parties i disputed to

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: PA

Complaint narrative:
i have submitted multiple investigation requests to verify and validate this debt with XXXXXX/XX/XXXXXXXX as well as all 3 credit bureaus and they say they completed and investigation and it is verified ... .how can they have conducted a full investigation if they are reporting inconsistent across all 3 bureaus? they didnt and that is a major violation of my rights..they are ruining my credit with the reporting of this inaccurate account,,, ,i am attaching a snip of my 3 bureau report ... ..there are too many to point out but look at thhe snip ... look at the 2 year history, this account has been re-aged, they are reporting a credit limit on a charged off account, the high credit is inconsistent, etc .... i need this removed immediately due to the lack of a proper investigation with all 4 parties i disputed to

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 2020-12-22 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: NC

Complaint narrative:
After reviewing my credit report, I've noticed accounts and inquiries that weren't authorized by me. I've received multiple calls in regards to these debts that were never initiated or even known by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: PA

Complaint narrative:
XXXX XXXX XXXX is reporting me as an authorized user on this account which i have no knowledge of ... I have never to my knowlege been an authorized user on anyones caredit card ... ..i have tried multiple times to dispute this with the equifax as well as XXXX and it comes back verified ... see attached report they have not even added a comment saying the account is in dispute so how have they even conducted a proper investigation to come back and say its verified..the answer is they havent ... i demand that this be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Select Management Resources, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX I received a Credit Monitoring Alert that a Collection Agency called XXXX XXXX XXXX in violation of FDCPA I had not received a letter or attempt to contact me allowing me 30 Days to Dispute. On XX/XX/XXXX I received a letter in the mail offering to settle for a discount at {$6000.00}. This Title Loan through Loanmax in XXXX, Ohio was settled in full on XX/XX/XXXX with the return of the Vehicle and sold for settlement. I spoke to XXXX XXXX employee XXXX at XXXX XXXX XXXX and explained to him that this had been resolved over 2 years earlier and I had an outstanding Credit Report that has never had a derogatory remark. He informed me that he was putting in a immediate delete with all 3 Credit Bureaus. I followed up by sending in proof that Debt was paid in full and this was settled. The emails were sent the same day to the Compliance Officer. I have been checking my Credit Report and it still has not been removed. I filled disputes with all 3 agencies on XX/XX/XXXX. This company has been sued in multiple class action lawsuits and has more negative reviews with the XXXX. The agent was polite on the phone but the company did not follow through. Please get this off my Credit Reports!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
i have submitted multiple disputes to the 3 credit bureaus as well as Capital One and they just come back verified ... how did they all conduct proper investigations when all of most of the information is inconsistent across all 3 bureaus reporting? they didnt conduct a proper investigation ... i am attaching a snip of my 3 bureau report as well as a few of the letters i sent ... .they are in violation and i need this deleted now ... they are reporting different balances, different highh credit, different credit limits, different past dues, it has been re-agaged, and take a look at that inconsistent 2 year history ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: GA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
For the second time XXXX XXXX inaccurately reports mortage balance higher than actual balance. By inflating the existing balance in addition to the new escrow balance, they report an inflated balance to credit reporting agencies while reporting the actual balance to customer. When challenged on why they do it they say its to benefit the customer, but often fall short of specifying how.

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 2020-12-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
For the second time XXXX XXXX inaccurately reports mortage balance higher than actual balance. By inflating the existing balance in addition to the new escrow balance, they report an inflated balance to credit reporting agencies while reporting the actual balance to customer. When challenged on why they do it they say its to benefit the customer, but often fall short of specifying how.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
For the second time XXXX XXXX inaccurately reports mortage balance higher than actual balance. By inflating the existing balance in addition to the new escrow balance, they report an inflated balance to credit reporting agencies while reporting the actual balance to customer. When challenged on why they do it they say its to benefit the customer, but often fall short of specifying how.

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 2020-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
This was a scam phone call in order to collect over {$1000.00} in fake debt. The card mentioned was closed a long time ago under my previous ( maiden ) name. They mentioned that my name was not changed, that I still have this card and threatened to take legal action, and attempted to collect money I do not owe, on a credit card that no longer exist. This happened while I was at work and ignored me when I asked questions. I called back and a man answered using my first name. This was not a company! or real debt collector- it is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
This company keeps reporting on my credit report even after sending a Cease and Desisit order. 
This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
I received a principal reduction of XXXX through the HAMP program on XXXX XXXX. I requested this principal to be applied to arrears. I received a letter from PHH stating that this was a recast principal reduction which the lender offered XX/XX/XXXX, which is not true. In the hamp program I was suppose to receive XXXX yearly for the first five years of the modification program in XXXX, and than XXXX on the 6th year anniversary which I did receive the XXXX on XXXX XXXX. How could a principal reduction for a recast offered XXXX XXXX be applied before the offer. PHH is defrauding us where Ocwen left off. This XXXX was awarded through Ocwen HAMP Program it had nothing to do with a recast offer. Ocwen was sued in XXXX, XXXX for violating hamp program ( fisher-case ) by the dept of justice. Since I inquired to ocwen about why we did not receive the XXXX principal credit yearly PHH has twisted and turn the credit we received by ocwen around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I had an account opened through unemployment to receive my funds. I 1st had someone steal {$300.00} off of my card on XX/XX/XXXX. I called, filed a claim, than I got a letter in the mail from the bank saying they closed the claim due to fraudulent activity, So I called again, the woman said that they escalated my claim and she wasnt sure why it was closed out. I never received that money back ... Than I had my card stolen again on XX/XX/15 so I called in to tell them, and they sent me a new card. When I called to activate the card they are saying my account is closed/frozen and that I need to get into contact with XXXX to receive funds again. Now the issue here is that XXXX is still releasing the funds to me to that account at Bank of America and Bank of America wont even let me into my account to see or anything. Its been a game of tag back and forth so not only did they not provide me even an investigation or my {$300.00} back but than on top of that they wont let me access the funds that are being deposited into my account!!! Many people are having this problem and I dont know what to do with it.

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 2020-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
DATE : XX/XX/XXXX D.O.B. XX/XX/XXXX Name : XXXX XXXX XXXX SS # XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX XXXX Whom It May Concern : This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address : XXXX XXXX XXXX, XXXX, FL XXXX SINCE XX/XX/XXXX Please also update my new phone No. 

Date : XX/XX/XXXX Creditor : ARS ACCOUNT RESOLUTION ACCT # XXXX XXXX {$1300.00} Date : XX/XX/XXXX Creditor : ARS ACCOUNT RESOLUTION ACCT # - XXXX {$1300.00} Date : XX/XX/XXXX Creditor : ARS ACCOUNT RESOLUTION ACCT # - XXXX {$950.00} Date : XX/XX/XXXX Creditor : ARS ACCOUNT RESOLUTION ACCT # - XXXX {$950.00} Date : XX/XX/XXXX Creditor : ARS ACCOUNT RESOLUTION ACCT # - XXXX {$910.00} Date XX/XX/XXXX Creditor : XXXX XXXX XXXX ACCT # - XXXX {$790.00} Date : XX/XX/XXXX Creditor : XXXX ACCT # - XXXX {$570.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX ACCT # - XXXX {$300.00} Requested Correction : Please update any and all information to my credit reports and, take notice I have sent all the necessary evidence to support my claim ; therefore, I expect swift result on your part. 

In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete and correct any and all the item accordingly.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. 

Please let me know if you need any other information from me that may aid you in resolving this matter promptly. 

Sincerely, Name : XXXX 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 explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Santander consumer usa acct # XXXX Auto Loan XX/XX/2013 Amount : XXXX Original Balance XXXX Terms : XXXX months Responsibility : Joint account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.

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