vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
I walked into Old Navy in XXXX RI and was offered a store card from the Sr. Team Lead. She rang up my items and offered me 52 % off my entire order stating I would save roughly {$50.00}. I proceeded to ask questions about the credit cards interest rate in which she did not know. I agreed because the offer would save me quite a bit of money. After signing for the card she rang out my purchase. I asked her how much I saved in excitement of the deal. She did not respond with the savings total, but instead proceeded to tell me the items I saved on. After I got home I noticed that I had not received {$50.00} off my entire order, but only a select few items. This practice is misleading and to say the people responsible are unaware of what the card entails and how its promotional values work is extremely fraudulent. I have contacted both the store manager and the 800 number with no success in rectifying this situation. It scares me to think that someone with such little knowledge should be handling peoples credit. I am looking for a GM to reach out and handle this situation immediately.

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 2021-07-11 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: T.S. Holdings
State: FL

Complaint narrative:
XXXX XXXX stole my identity information and used it to open credit cards and get an apartment using my social and name. He did it all online. Police report made and submitted to all creditors he opened fraudulent accounts with 2 removed all fraud information from my reports. XXXX XXXX XXXX refuses to remove even after being contacted by the Sheriff 's office confirming identity theft by XXXX XXXX. XXXX XXXX produced bank statements in a lawsuit showing that he used his account to pay for the cards that he fraudulently opened in my name. IQ Data International and XXXX also refused to remove the fraud information from my credit reports trying to collect a judgment that I have no knowledge of for a property I have never lived at. I have produced the proof to them of the fraud numerous times showing XXXX XXXX and his girlfriend XXXX XXXX stole and used my personal identity information online. I have demanded prosecution of XXXX XXXX provided his addresses social and date of birth and agreed to fully cooperate in his prosecution but they reuse to do anything and refuse to remove from my credit report. I have never been served any documents for any of these creditors and they have assisted XXXX XXXX in destroying my perfect credit. I am a highly decorated XXXX XXXX and I demanding justice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-11 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: FL

Complaint narrative:
XXXX XXXX stole my identity information and used it to open credit cards and get an apartment using my social and name. He did it all online. Police report made and submitted to all creditors he opened fraudulent accounts with 2 removed all fraud information from my reports. XXXX XXXX XXXX refuses to remove even after being contacted by the Sheriff 's office confirming identity theft by XXXX XXXX. XXXX XXXX produced bank statements in a lawsuit showing that he used his account to pay for the cards that he fraudulently opened in my name. XXXX XXXX XXXX and XXXX also refused to remove the fraud information from my credit reports trying to collect a judgment that I have no knowledge of for a property I have never lived at. I have produced the proof to them of the fraud numerous times showing XXXX XXXX and his girlfriend XXXX XXXX stole and used my personal identity information online. I have demanded prosecution of XXXX XXXX provided his addresses social and date of birth and agreed to fully cooperate in his prosecution but they reuse to do anything and refuse to remove from my credit report. I have never been served any documents for any of these creditors and they have assisted XXXX XXXX in destroying my perfect credit. I am a highly decorated XXXX XXXX and I demanding justice.

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 2021-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: OH

Complaint narrative:
ENHANCED RECOVERY CO # XXXX I'm unware of these accounts and did not have the opportunity to dispute them. Please provide Validation of Debt, Assigment of Debt, and Method of Verification. 

Please provide the " certfied mail receipt '' showing I have recieved the notification, per the law. 

Please all request listed of you will be in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I have an XXXX mastercard account issued by Synchrony bank. It is linked to an old paypal account that is linked to an old address XXXX. I have been trying to get this linked to my new paypal account XXXX for the last year. Paypal tells me to contact Synchrony and Synchrony tells me to contact paypal. Today XX/XX/2021 I have spent over 2 1/2 hours calling and messaging with both paypal and Synchrony. Synchrony has now indicated that there is no way to unlink them. Despite the fact that I no longer have the email address used for the paypal account. I have spoken with supervisors at both paypal and Synchrony. I am now speaking with XXXX operator ID XXXX at Synchrony who has advised it can not be unlinked and that I can not close the paypal account and that there is no way to access the XXXX mastercard online but for an old paypal account. They have been absolutely unhelpful and unwilling to resolve the issue. This can not be the first time this issue has arisen. I have asked to speak with XXXX 's supervisor and have now been on hold for more than 15 minutes.

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 2021-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc.
State: OH

Complaint narrative:
Account United Collectioin # XXXX I'm unware of these accounts and did not have the opportunity to dispute them. Please provide Validation of Debt, Assigment of Debt, and Method of Verification. 

Please provide the " certfied mail receipt '' showing I have recieved the notification, per the law. 

Please all request listed of you will be in violation of the FCRA. 

Retreat this account from collections and remove it from my credit report, if you have not already done so. 

According to HIPAA, you have no permissible business reason to supply a third party collection agency any information regarding myself or my medical history due to no money being owed. I have no desire to cause you unnecessary difficulty, however this unnecessary negative information reporting on my credit profile is beyond damaging. 

Once I receive the response from the credit reporting agencies and if the account HAS NOT been deleted, I will be forced to take action to protect my rights as a consumer under HIPAA, FCRA and FACTA rules and regulations. Rather than through what would undoubtedly be a hassle for both you and I, please do as you have been instructed and what is right according to HIPAA requirements. While, I would rather handle this between you and myself, I am prepared to do what needs to be done to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have good reason to believe that Wells Fargo is fraudulently double charging me for a payment I made on XX/XX/2021 The dispute stems from a fraudulent balance transfer charge to my lost credit card. I have attached supporting documentation in the form of my two last credit card statements, a pdf of my card running balance as of XX/XX/2021 and a downloaded account activity spreadsheet ( from Wells Fargo ). I have tried repeatedly to settle this with Wells Fargo ; I have spoken to Wells Fargo on the phone three different times and I had an in-person meeting at the local Wells Fargo branch at XXXX XXXX XXXX, XXXX, PA XXXX. I dont know if this is an innocent error they have made or a purposeful attempt to commit fraud. In any event everyone I have spoken to at Wells Fargo is using the same distort logic to charge me a second time for a payment I have already made. 

The story begins as follows. On XX/XX/2021 I misplaced my Wells Fargo credit card # XXXX. I called them the next day and reported the lost card. They said they would close the account and send me a replacement. On the day I lost my card the balance on the card was {$2700.00}. Wells Fargo did not actually close this credit card account on XX/XX/2021 as they claim, they merely renamed it # XXXX. This renamed account # XXXX had all the previous charges of account # XXXXfrom XX/XX/2021 XXXX the current billing cycle at that time ). On XX/XX/2021 they added a charge to the account and called it a balance transfer. This fraudulent balance charge was for {$2200.00}. This {$2200.00} charge was identical to the payment I made on XX/XX/2021 for the previous months balance. Now my balance jumps from {$2700.00} to {$5000.00}, because of the fraudulent charge of {$2200.00}, which I had already paid on XX/XX/2021. Please see the attached pdf file labeled XXXX Card XXXX Running Balance XX/XX/XXXX I have exhausted all my options with Wells Fargo. They told me ; they are right and I am wrong and that I have pay the fraudulent charges. Please look into this matter and advise me.

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 2021-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stern Recovery Services, Inc.
State: NC

Complaint narrative:
Pursuant to the Fair Credit Reporting Act, the Fair Credit Billing Act, the Fair Debt Collections Practices Act and HIPAA compliance laws, I am filing this complaint against STERN RECOVERY SERVICES because of a invalided debt that was placed on my credit reports without due process ... .process to include, Notifying me of their attempt to collect on a debt that I have no knowledge of and they never sent me a letter or notice, they just placed this bad debt on my credit report.

Based on the above mentioned Federal laws they are clearly in violation of my rights as a consumer. The alleged debt amount that they are attempting to collect on is {$110.00} the original credit is XXXX-XXXX  XXXX. 

As a XXXX  on the XXXX XXXX XXXX XXXX each and everyday I find it insulting for this agency to use deceptive strong armed tactics in an attempt to ruin my credit rating. I am truly aware of my rights under the HIPAA and they have clearly been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
I mailed a debt validation correspondence letter to National Credit Adjusters on XX/XX/2021 and have not received a response regarding this debt. I also sent a a investigation letter to the credit Bureaus on XX/XX/2021. As of XX/XX/2021, I still have not had a response from the following credit bureaus regarding my dispute : XXXX XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
RADIUS GLOBAL SOLUTION # XXXX I'm unware of these accounts and did not have the opportunity to dispute them. Please provide Validation of Debt, Assigment of Debt, and Method of Verification. 

Please provide the " certfied mail receipt '' showing I have recieved the notification, per the law. 

Please all request listed of you will be in violation of the FCRA. 

Please retreat this account from collections and remove it from my credit report, if you have not already done so. 

According to HIPAA, you have no permissible business reason to supply a third party collection agency any information regarding myself or my medical history due to no money being owed. I have no desire to cause you unnecessary difficulty, however this unnecessary negative information reporting on my credit profile is beyond damaging. 

Once I receive the response from the credit reporting agencies and if the account HAS NOT been deleted, I will be forced to take action to protect my rights as a consumer under HIPAA, FCRA and FACTA rules and regulations. Rather than through what would undoubtedly be a hassle for both you and I, please do as you have been instructed and what is right according to HIPAA requirements. While, I would rather handle this between you and myself, I am prepared to do what needs to be done to protect my rights.

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 2021-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Franklin Credit Management Corporation
State: FL

Complaint narrative:
Initial loan amount XXXX +/-, 11.5 % interest rate, 2nd mortgage, closed in XX/XX/XXXX. Been after Franklin for yrs to help modify the mortgage. I have a mountain of documents, never went anywhere ... .The loan changed hands a few times so dont know the original lender. My letter to the State of Oregon is below.

Dear Staff, Hope this email gets to you. I'm having a difficult time with Franklin Financial in modifying my 2nd mortgage on the Oregon home that I purchased in XXXX. I was in the mortgage business that went south in XXXX to XXXX and lost everything ; given the terms of the BK judgment agreement, had to liquidate any assets I held. After BK, my source of income was SS and a XXXX from XXXX XXXX XXXX. The XXXX XXXX XXXX modified my mortgage but was unable to do so with Franklin. At one point I believed we had a mortgage modification agreement. I dont remember the original lender of my 2nd mortgage that Franklin Financial no owns. The interest rate is 11.5 %, crazy in todays financial world. 
In XXXX I elected to move to FL due to health issues and the wife at the time insisted we move. The mortgage holder for my home in FL modified my mortgage, which is current to this day. Staff, I am XXXX years old and now a single dad and raising my twins that are XXXX years old. The wife had medical issues and left the family in XXXX. 
I dont work as I care for the kids. Im a XXXX XXXX the VA has classified and 80 % disable, I have war related issues ; Im not crazy or violent. 

The home is rented now, and the renter has Covid 19 financial difficulties as the rest of us do. I cant throw him out on the street with a wife and child ( ren ). All I seek is for Franklin Financial, in the spirit of President Obamas Making Home Affordable legislation, to modify my mortgage. 11.5 % interest, even today and back in XXXX is totally unnecessary. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX, NJ XXXX Loan No. XXXX Phone for Franklin XXXX Or XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I had a credit account open for several years with Wells Fargo, currently with no balance. Periodically I would check my online account with them just to insure there were no unauthorized charges and everything looked ok. I tried logging into my account and had to " try again later. '' I tried the next week and got the same message. I thought that maybe the site was down for maintenance when I was trying. After the third attempt on a different occasion, I phoned Wells Fargo and was told that my account had been closed because I hadn't used it in 18 months. I had no notice whatsoever, either regular mail or email. 
I told customer service that I wanted my account reopened. I was told they would not do that. I asked for her supervisor, then the next supervisor. I got a letter dated XX/XX/XXXX ( copy attached ) that stated that they would not reopen my account. 
In the meantime, I checked my credit report, and they had falsely reported my account " Closed by Consumer. '' Of course that lowered my available credit and showed that I was using a higher percentage of same, and it lowered my credit score. I filed a dispute with XXXX  stating that I DID NOT CLOSE my account. The result of the dispute came back showing no difference. I am adding a statement to my credit report that Wells Fargo LIED about my account 's closure. 
I received a letter dated XX/XX/XXXX ( copy attached ) and it stated " The account will show as closed by customer, as the reason for closure is the customer not using the account for eighteen months. '' I received NO notice of closure, or perhaps I would have used the card for a pending project. I looked over my last statement and could find NO MENTION of a closure possibility. I received NO Mail or NO EMAIL informing me of this situation. I received a letter dated XX/XX/XXXX ( copy attached ) informing me of revised terms. It only listed Revised Penalty terms and privacy notices. NO MENTION OF PENDING ACCOUNT CLOSURE, Please see the Wells Fargo article published in the XXXX XXXX  on XXXX. It states that " Account holders were given a 60-day notice of the closures '', and I absolutely received NO NOTICE. 
It is appalling that Wells Fargo can get away with reporting the LIE of " Closed by Customer. '' This should be against some ruling for reporting false information. I would liked to see them fined into oblivion.

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 2021-07-11 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:
I sent a letter disputing fraudulent furnishing on my credit report on XX/XX/21 to the three Credit Reporting Agencies ( Experian, XXXX XXXX ). And all three have failed to legally remedy my report and delete the inaccuracies. According to FCRA and 15 U.S. Code 1666b Timing of Payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' These agencies also violated my rights by furnishing these late payments without permissible purpose and consent by me, under 15 U.S. Code 1681b.

It has been over 30 days with no response so I have sent a additional letter on XX/XX/21 and have included that also.

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 2021-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
On XX/XX/2021 I called Credit Systems to inform that I paid the XXXX  account in full and to ask them to remove the collection from my XXXX  credit report. The man I spoke to said okay. I sent confirmation that I paid but to date the collection has not been removed and they are still reporting that I owe which I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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: OH

Complaint narrative:
Midland Funding # XXXX I'm unware of these accounts and did not have the opportunity to dispute them. Please provide Validation of Debt, Assigment of Debt, and Method of Verification.

Please provide the " certfied mail receipt '' showing I have recieved the notification, per the law. 

Please all request listed of you will be in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I called XXXX XXXX to inform that I paid the XXXX account in full and to ask them to remove the collection from my EQUIFAX credit report. The man I spoke to said okay. I sent confirmation that I paid but to date the collection has not been removed and they are still reporting that I owe which I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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:
I sent a letter disputing fraudulent furnishing on my credit report on XX/XX/21 to the three Credit Reporting Agencies ( XXXX XXXX, Transunion ). And all three have failed to legally remedy my report and delete the inaccuracies. According to FCRA and 15 U.S. Code 1666b Timing of Payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' These agencies also violated my rights by furnishing these late payments without permissible purpose and consent by me, under 15 U.S. Code 1681b. 
It has been over 30 days with no response so I have sent a additional letter on XX/XX/21 and have included that also.

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