vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-30 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I recently received XXXX  XXXX, and as part of financing, a CareCredit card was issued to me by Synchrony Bank. The sales associate emphasized the 0 % APR for 3 years, so I used this option instead of paying cash. 

I have the account set up on autopay, so 6 months pass until I see an end of year statement where my balance hasn't been reduced as expected. I log in to see a reoccurring, $ XXXXmonth XXXX XXXX XXXX XXXX '' line item, along with purchase interest on the {$60.00} each month. At no point was a " XXXX XXXX Fee '' mentioned to me. 

I call " XXXX XXXX  '' and eventually they agree to cancel this service and refund the {$300.00} I have been charged, but refuse to provide me with a confirmation email. 

I call Synchrony Bank and they refuse to issue a chargeback for the {$300.00} fee, and will not refund the purchase interest of {$17.00} that has been charged on this monthly " XXXX XXXX Fee '' I would like to point out that this is particularly nefarious, because if I had failed to notice this fraudulent transaction, my automatic payments would have fallen short of the initial purchase balance, resulting in me being charged 3 years of credit card interest ~ ( {$2100.00} ) on my initial principal ( {$3700.00} ). In addition to being charged a card security fee of $ XXXXmonth for 3 year of {$2100.00}, this means I would have paid an effective interest rate in excess of 35 % on my " 0 % APR '' card. 

At this point, I'm not sure who is at fault here ; Synchrony, XXXX XXXX, or the salesperson at the XXXX center who signed me up for the the card. But these appear to be predatory and fraudulent behavior.

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 2020-12-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Edward F Bukaty III
State: LA

Complaint narrative:
On XX/XX/2020 I send XXXX XXXX XXXX, XXXX an Affidavit of Truth concerning an alleged debt certified mail that they were trying to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Inaccurate reporting to my credit profile has caused me to have to pay higher interest rates which has caused much stress in my life along the pandemic I do understand that mistakes happen so I simply requested an investigation into misleading inaccurate accounts on my profile on XXXX to this day over 60 days later I have no received any response which I know has to be a violation of my rights I do feel ignored of my issue and I also found through my search that my credit was impacted by the data breach I do hope you find out you these misleading accounts belong too. Thank you for the quick response.

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 2020-12-30 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: CA

Complaint narrative:
I JUST GOT OFF THE PHONE WITH EXPERIAN AND WAS TOLD THAT THEY COULD NOT REMOVE AN OLD ADDRESS FROM MY CREDIT FILE. I'VE DONE MY RESEARCH AND I BELIEVE THAT THE ONLY ADDRESS THAT SHOULD BE REPORTED IS THE CURRENT ONE. I'VE BEEN A VICTIM OF IDENTITY THEFT IN THE PAST AND ONLY WANT MY CURRENT ADDRESS REPORTING TO AVOID ANY MORE SURPRISES.

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 2020-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NJ LENDERS CORP
State: NJ

Complaint narrative:
Attached you will find the mortgage note that NJ Lender has used to place a lien on my house. NJ Lenders sent me back the " Cancelled of Record '' of my original XXXX purchase XXXX XXXX XXXX XXXX  mortgage that was thought to be paid off by NJ Lenders. I have tried to sell my house and have had many deals fall through because buyers became suspicious that I did NOT has a Satisfaction of Mortgage, No Lien Release and no Discharge of Mortgage to prove that the original XXXX purchase XXXX XXXX XXXX XXXX was paid off and not just voided. 

I need to get a financial statement of the mortgage pay-off to calculate interest and other costs accurately. 

I never received a loan payment from NJ Lenders as per contract and need to know who was paid when so everything can be paid out fairly for both parties. 

Who was paid from the XX/XX/XXXX refinance and where can I get the proof of payment so we can conclude this matter. I detest playing pen-pals but I need to get to answers ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am having issues with missing information on my credit report. I have a XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX OH XXXX. My account is not showing on any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am having issues with missing information on my credit report. I have a XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX OH XXXX. My account is not showing on any of my credit reports.

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 2020-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I received a notification from my credit monitoring service that a collection account had hit all three of my credit reports. I never received any correspondence from this company regarding the alleged debt. Based on the information provided on my credit report this debt does not belong to me. Ive never entered a contract with Midland Funding let alone done business with them to begin with. I would like this account to be removed from all three of my credit reports as it is unethical to throw negative information on my credit reports without substantiating that this alleged debt belongs to me. I would like for this to be resolved immediately or I will pursue further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I saw a charge from XXXX XXXX appeared on my Chase credit card. The charge was from XX/XX/XXXX, and was posted on XX/XX/XXXX. 

I called Chase and was transferred to the dispute department. The dispute department told me that they had no idea why the charge posted 14 months after the transaction date, and asked me if I know the merchant or have authorized the transaction. I told the representative that the merchant is a well-known retailer in XXXX ( like XX/XX/XXXXXX/XX/XXXX or XXXX ), and I was in XXXX in XX/XX/XXXX. However, given it has been 14 months, I don't remember if I have shopped at an XXXX Mall or have used the card at one. The representative told me that since the charge is more than 60 days old, she can't open a dispute. I asked her why would Chase allow a merchant to post a charge 14 months old, while forbidding a cardholder for disputing a charge more than 2 months old. She told me that she does not know, and provided me the merchant 's phone number, telling me that I will have to resolve the issue directly with the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: DISCOVER BANK
State: NY

Complaint narrative:
Around my mothers passing I had relatives come pay their respects. I had a few people in my home, family members staying over. Moving forward I realized I was receiving emails of an upcoming concert I had no idea my card was charge for. As soon as I realized I reached out to Discover, during the many representatives I spoke too not one advised me to reach out to the merchant, Discover closed that account and send me a new card. After they concluded their investigation their claiming the person behind they theft is my sister. They said in order for them to remove the charge Ill have for file charges on my sister. I refuse because one my sister didnt go to any concert, also again because of people in and out my mom it would be hard to determine who made the charges. What I can say for certain that I didnt make the charges and been fighting this charge ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: IL

Complaint narrative:
I reported to The three major credit bureaus ; XXXX, Equifax and XXXX that according to the Fair Credit Reporting Act, that the bureaus was suppose to provide information directly from the agency that reported my bankruptcies or else by law they need to remove them and or provide documents or credible information where information was collected. All three bureaus stated the same information that they received information from XXXX Bankruptcies district. I contacted the bankruptcy district and it was stated that it would never be a time that this information will be provided to any credit bureaus. I requested all three bureaus on XX/XX/2020, XXXX and XXXX of the removal. I also tried contacting them again by phone and the system made it impossible to reach them. I also tried disputing again via direct website and theres no right of passage. These companies should be reported for rude behavior as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: IL

Complaint narrative:
I reported to The three major credit bureaus ; XXXX, XXXX  and Experian that according to the Fair Credit Reporting Act, that the bureaus was suppose to provide information directly from the agency that reported my bankruptcies or else by law they need to remove them and or provide documents or credible information where information was collected. All three bureaus stated the same information that they received information from XXXX Bankruptcies district. I contacted the bankruptcy district and it was stated that it would never be a time that this information will be provided to any credit bureaus. I requested all three bureaus on XX/XX/2020, XXXX and XXXX of the removal. I also tried contacting them again by phone and the system made it impossible to reach them. I also tried disputing again via direct website and theres no right of passage. These companies should be reported for rude behavior as well.

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 2020-12-30 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: TX

Complaint narrative:
I have a collection showing on my credit report from XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX. This is not my debt, and I requested validation of the debt repeatedly from the credit bureaus, but have received no validation, or even confirmation of an investigation. I also requested validation directly from XXXX by certified mail. They received that letter at XXXX am on XX/XX/XXXX, and I still have not received any sort of response from this company. I also tried speaking XXXX resolve this issue, and they told me that the address where the service was provided was XXXX XXXX XXXX XXXX, XXXX OR XXXX. I have never lived at that address, and in XXXX my address was XXXX XXXX XXXX XXXX XXXX OR XXXX. This is not my debt, and the bureaus should not be showing it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Inaccurate reporting to my credit profile has caused me to have to pay higher interest rates which has caused much stress in my life along the pandemic I do understand that mistakes happen so I simply requested an investigation into misleading inaccurate accounts on my profile on XXXX to this day over 60 days later I have no received any response which I know has to be a violation of my rights I do feel ignored of my issue and I also found through my search that my credit was impacted by the data breach I do hope you find out you these misleading accounts belong too. Thank you for the quick response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Inaccurate reporting to my credit profile has caused me to have to pay higher interest rates which has caused much stress in my life along the pandemic I do understand that mistakes happen so I simply requested an investigation into misleading inaccurate accounts on my profile on XXXX to this day over 60 days later I have no received any response which I know has to be a violation of my rights I do feel ignored of my issue and I also found through my search that my credit was impacted by the data breach I do hope you find out you these misleading accounts belong too. Thank you for the quick response.

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 2020-12-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
I had a car lease through XXXX XXXX XXXX. I traded my car in on a new car and the dealer sent the full payoff via certified letter on XX/XX/20, which XXXX XXXX confirmed they received the check for the correct and full amount on that date. The payoff was good through XX/XX/20. After numerous calls, emails, and resubmission of paperwork they still havent processed the payoff on XX/XX/20. Between the dealer and myself we have called 9 times and Ive received multiple notices that my payment is due with late fees. Im concerned this will hurt my credit rating for something that should have been handled almost a month ago. I repeatedly have been told there is no one that I can speak to directly in order to have the situation resolved. Instead they keep saying they have sent emails to the department that handles payoffs. I called again today and have spoken to 3 people and still no one can resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: IL

Complaint narrative:
I sent an ACH transfer to BBVA for XXXX $ and they never posted it. They only posted the wire for XXXX $ XXXX employees stole the XXXX $ Ach transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: CA

Complaint narrative:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into XXXX  do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked XXXX to Please block, remove or delete this information pursuant to section FCRA 611. XXXX is the reason why this has happened!

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 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into XXXX do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked XXXX to Please block, remove or delete this information pursuant to section FCRA 611. XXXX is the reason why this has happened!

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 2020-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On, XX/XX/XXXX all my XXXX transactions where credited back to me. 
I called made a claim and they where reversed on XX/XX/XXXX. On XX/XX/XXXX, I got a call for my apartment manager who said my XXXX payment have disappeared. I called chase they said it would be returned in 30days. So on XX/XX/XXXX I called and asked if the money was being sent back to me or them and I was informed it would take another 30 days. Then when I called again they said they sent it back but my apartments dont see the money and neither or my other transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: IL

Complaint narrative:
Dear Experian You have constantly stated " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. '' This is a LIE i have sent you several disputes regarding this matter and you CONSTANTLY use STALL tactics claiming I am not who I say I am. THIS IS XXXX XXXX XXXX sending you letters and complaints through the CFPB. I have provided you with MY DRIVERS LICENSE FOR IDENTITY & MY UTILTY BILL FOR PROOf OF ADDRESS. XXXX XXXX XXXX ACCT # XXXX & Experian did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address " Session '' " Time Stamp '' and " Browser '' with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), I circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE CREDIT BUREAUS including reporting payments on a CLOSED ACCOUNT ( please see attachment ) which is grounds for deletion. How could this happen? are you being prejudice towards me and trying to deny me credit in the future?. I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company.

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