vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/22 my credit card account was closed without any warning. I didn't know until I tried to use my card and it was rejected in 2 places. I did call them to ask about my card being shut down and was told to wait for the rejection letter and then I could talk to somebody for help... On XX/XX/22, I received a letter as to why and the reason is this. " Payment and unusual purchase history on your credit account that Synchrony deems may be indicative of FUTURE intention not to pay. '' Nonsense... In the meantime when they shut down my account they kept my XXXX cash back I had acquired since last XXXX and said I can't have it back. I have never missed a payment and have a credit score of XXXX. 2 times I had made an early payment where they had my payment for over XXXX weeks but didn't post it so I could use the card again. I did have large purchases but they were always paid early. I didn't care as much about the card being closed but that they took my XXXX and kept it saying that's the way it is. The agreement was that this was a cash back card and I used it for this reason. I did talk to a supervisor named XXXX and he was no help at all. Didn't explain what was happening and actually seemed bored. He hung up on me. After XXXX, I decided to call corporate. They don't really have a corporate so I think I called the main bank of Synchrony and I was directed to XXXX. He was kind but said the same that I can't get the rewards paid to me. He was going to send a request in and I was told to wait a month and call back at that time. Not enough for me. Who needs a month to help me out.

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 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXXXXXX & Account # XXXX XXXX have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am being scammed by a fake XXXX XXXX charge on my Costco Citi/Visa Card that shows up monthly, apparently through a digital wallet. I am not and have never been a member of XXXX XXXX, and I do not use a digital wallet. This is part of an elaborate scam. I closed my card down and the fraudulent digital wallet was able to update the new card information automatically, continuing to charge fake XXXX XXXX charges. 
My credit card company has refunded those charges and now after the third fraudulent payment finally cancelled the mobile wallet account. 
However, they refuse to tell me where this money is being transferred to. This is is information they have but they won't share. I would like to report the scammer to the police but I have no information other than the date of charge. It lists " XXXX XXXX '' and the XXXX website, but XXXX hasn't made this charge. Where is it going to? How are consumers supposed to find out? My complaint is that credit card companies do not release that information, allowing scammers to continue their work with impunity.

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 2022-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
We did the Covid loan forbearance for a year. A month before it was ending we started a loan modification with our mortgage company Wells Fargo. That was back in XXXX. They told us to apply for Nebraska XXXX help and weve been approved as of the first part of XXXX. We havent heard anything back from Wells Fargo after Ive made XXXX attempts to reach our mortgage preservationist who doesnt return my calls. We are falling further and further behind every month that they drag their feet. Today I went to deposit a check from my insurance company for the jail damage to our home. Wells Fargo will not deposit the check in my account so I can pay the XXXX they took the check instead and is placing it in an escrow so they can divvy the money out to the contractors as they see fit. They said they are doing this because we are behind in our mortgage payments. I didnt know they could or should do this its wrong. We are being penalized for being under the Covid forbearance which I didnt think they could do. The paper work they gave me basically instructions about the check and having the work done says in one paragraph that the money can not be used for anything except for repairs and restoration on our home and not for making up loan payments. The next paragraph says the money can be used to pay off our mortgage if it was a sufficient amount to do so or combined with other monies to pay off the loan that was ok. They say it cant be used for anything else then they turn around and say we can use it to pay off our mortgage. WHICH IS IT?!! I feel we are being punished for taking the loan forbearance which says we wouldnt be penalized for doing so. Im not a child I can manage the repair money and pay my contractors myself. Wells Fargo is making me call them and request a draw on the money from them in order to pay the contractors. This is an insult to me Im 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 non-monetary relief
Consumer complaint received 2022-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone Phone number not available Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type XXXX XXXX XXXX XXXX  Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$7700.00} from XX/XX/XXXX to XX/XX/XXXX ; {$7700.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$7000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$7000.00} from XX/XX/XXXX to XX/XX/XXXX I explained to the company I'm XXXX XXXX and was station in XXXX XX/XX/XXXX XXXX XX/XX/XXXX and I did not open this account. Company stated they don't have any account in my name, yet they are reporting it on my credit.

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 2022-07-09 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone Phone number not available Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type XXXX XXXX XXXX XXXX Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$7700.00} from XX/XX/XXXX to XX/XX/XXXX ; {$7700.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$7000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$7000.00} from XX/XX/XXXX to XX/XX/XXXX I explained to the company I'm XXXX XXXX and was station in XXXX XX/XX/XXXX XXXX XX/XX/XXXX and I did not open this account. Company stated they don't have any account in my name, yet they are reporting it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the

items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I think XXXX was hacked. Please monitor XXXX. I checked my account and there is requests for loans. My credit score was lowered for no reason at all. Please call or email me at the information below. 

Email : XXXX XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Coast to Coast Financial Solutions, Inc.
State: CA

Complaint narrative:
I got letter from collection company that I owe over {$4000.00} from XXXX I called the number on the letter and exyyo them that I don't owe this the apartment I was living had the garbage included in my rental it was a complex and the property management was paying the bills and I did give them the phone number of the property management but still we getting letters and phone calls and being harassed I requested the full bill details they did not send me I called the garbage company and they telling me it's on collection and they can't help or give me any information I like to go to court and file a lawsuit against both garbage company and collection company for harassment and damage of my credit It be great if I can get help

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 2022-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
The following occurred over five years ago and has just shown on my report as well as attempts to collect debt that was not mine and was a result of fraud. There were purchases made and constant use from the card although I had not used it at all myself. During this time I also had other fraudulent charges on other credit cards that were reported and action had been taken as far as I can tell as those had not appeared on any report of mine nor has there been an attempt to collect on them. I also do not have access to the account nor information anymore as this had been so long ago that I thought it was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: VA

Complaint narrative:
DEPT OF ED / XXXX XXXX {$0.00} {$0.00} DEPT OF ED XXXX XXXX XXXX {$0.00} - - - DEPT OF ED / XXXX  XXXX {$0.00} - - - DEPT OF ED / NELNET XXXX {$0.00} - - - DEPT OF ED / XXXX XXXX {$0.00} XXXX - - DEPT OF ED / XXXX  XXXX {$0.00} {$0.00} DEPT OF ED / XXXX  XXXX {$0.00} XXXX XXXX XXXX DEPT OF ED / XXXX  XXXX {$0.00} - - - DEPT OF ED / XXXX  XXXX {$0.00} XXXX - - DEPT OF ED / XXXX  XXXX {$0.00} - XXXX - DEPT OF ED / XXXX  XXXX {$0.00} - - XXXX DEPT OF ED / XXXX  XXXX {$0.00} - - - DEPT OF ED / XXXX XXXX {$0.00} - - - DEPT OF ED / XXXX  XXXX {$0.00} {$0.00} DEPT OF ED XXXX XXXX  XXXX {$0.00} {$0.00} DEPT OF ED / XXXX XXXX {$0.00} {$0.00} DEPT OF ED / XXXX  XXXX {$0.00} {$0.00} All these accounts have been paid in full but still reflect on credit.

Remarks ACCT CLOSED DUE TO TRANSFER

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 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXXcount # XXXX XXXX Account # XXXX XXXX Account # XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. StatesI have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states A consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  XXXX & Account # XXXX XXXX have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
This dispute is involving a purchase of XXXX refundable international flights in XX/XX/XXXX with XXXX XXXX for {$5800.00}. I was overcharged {$310.00} for which I was given a credit by my credit card. XXXX weeks before the flight was supposed to leave I called to check on the COVID requirements and the airline informed me my tickets had been cancelled due to a card issue and they would not refund me and I would need to seek resolution from my credit card. Additionally, I have not been able to reach the airline by phone as their call center has been turned off. 

XX/XX/XXXX I called to request full amount to be disputed to recieve {$5800.00} and was told I would need to withdraw the initial {$310.00} dispute. I was told my card would send me an e-mail to confirm the initial dispute was withdrawn and issue me the credit of {$5800.00} while they investigates- this never happened. My case was also forwarded to customer advocate to call me and they never did. 

Again I requested for the dispute to be withdrawn on XX/XX/XXXX due to wanting to dispute for the full amount of {$5800.00} instead of the partial amount that was initially requested for {$310.00}. 

On XX/XX/XXXX the apple agent went ahead and processed the withdrawal request through the " correct way ''. I was told by the credit card representative they had made errors on my account and they we able to see I was wanting to dispute the whole {$5800.00} but it was changed again to {$310.00} and in a pending status. The representative said she never saw something like this and it looked like a technical error. The dispute withdraw verification email was supposed to be received by now or within 3 days and it was not. 

On XX/XX/XXXX the issue was escalated and a case was opened by a dispute specialist due to the withdraw request not being taken care of. 

XX/XX/XXXX case escalated again, dispute manager to call within a week and has not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: CA

Complaint narrative:
I opened a new savings account with Discover Bank. When I tried accessing my account their fraud department had put a freeze on the account. I've tried calling in on numerous occasions to clear this up and it is always a 2 to 3 hour wait time. I finally reached someone on XX/XX/XXXX and was told they couldn't unfreeze the account until after XX/XX/XXXX because they needed to wait for the XXXX to clear, even though it had cleared my bank on the XXXX. So now today XX/XX/XXXX I tried calling again and after XXXX XXXX they disconnected my call and no matter who else I call at Discover I am told the only ones that can help is the fraud department. This is a terrible system and I just want to move my deposit to another bank that has a better system of customer service. Please tell them to give me my {$25000.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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:
I have tried repeatedly to dispute a Bankruptcy that is appearing on both my Equifax and XXXX credit reports. XXXX ( whom both of the CRAs state that they are verifying the information with ) is not listing a Bankruptcy report. XXXX has requested that both XXXX and Equifax remove XXXX information from my credit repair. Both CRAs state that they are verifying or certifying the information with the company that reported and they list XXXX. XXXX states to the contrary. 

If the above is not enough, how about the " error '' that's listed stating that my " spouse '' filed the Bankruptcy on my behalf. I have never had a spouse and this error in reporting should be more than sufficient to delete this bankruptcy from my credit report. 

The erroneous reporting is causing continuous financial injury. All documents are attached show the exhaustive measures used to try to resolve this issue with both CRAs, including Metro2 Compliance requests. Both XXXX and Equifax fail to adhere to Metro2 compliance requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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