vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-04 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Synchrony Bank is engaging in communication tactics and not resolving a billing dispute. 

They are not answering my emails. The email given on a letter of XX/XX/21 was XXXX which I have contacted many times without a response. They know it is a delivery issue but they are deliberately not pursuing that in their investigation and producing voluminous evidence that doesn't relate.. They are using another Synchrony Credit Card ( TjX Rewards ) which I have used for many years to harass me about the bill/dispute in question on the Synchrony Lowes Credit Card XXXX Account ending XXXX ). 

I purchased a refrigerator from Lowes ( Lowe 's Synchrony credit card ) and it was delivered extensively damaging the house wall and the refrigerator handle. 

I was told to not contact the store but the delivery people. The delivery people said to contact the store. I set many appointments ( at least 4 ) to have the areas fixed but no one ever showed up causing my renter to incur accumulated lost work time and pay as well as causing the problem to continue.

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 2021-12-04 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: SC

Complaint narrative:
XX/XX/2021 Attached are document to prove my identity, FULL NAME, ADDRESS, SOCIAL SECURITY, BIRTH CERTIFICATE. Under consumer law, I REQUEST MY SOCIAL SERCURITY NUMBER BE REMOVED FROM MY CREDIT REPORT. 15 U.S. Code SUBCHAPTER IIICREDIT REPORTING AGENCIES. Consumer law 15 U.S. Code 1681g - Disclosures to consumers

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 2021-12-04 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: SC

Complaint narrative:
XX/XX/2021 Attached are document to prove my identity, FULL NAME, ADDRESS, SOCIAL SECURITY, BIRTH CERTIFICATE. Under consumer law, I REQUEST MY SOCIAL SERCURITY NUMBER BE REMOVED FROM MY CREDIT REPORT. 15 U.S. Code SUBCHAPTER IIICREDIT REPORTING AGENCIES. Consumer law 15 U.S. Code 1681g - Disclosures to consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc.
State: AZ

Complaint narrative:
I had a lease signed at XXXX ( XXXX XXXX XXXX XXXX, XXXX AZ XXXX ) for a year and after the lease term ended, I was falsely charged for an amount of {$230.00} for Damages and repairs. This charge is partially incorrect because they charged me for a missing bathroom door which I think was the largest portion of the charge and I have documents to support my claim which can be found attached below. The company also never provided me with an itemized list of the damages giving me an estimate and directly charged me. When I reached out to them they rarely replied to me and if they did it wasn't a satisfactory reply. I also sent them an email saying I would go to small court about it, and they agreed to remove it. But unfortunately the charge was never removed and was sent to debt collections and I had to pay the whole amount in total and my co-signer received a red flag in his credit file. I was forced to pay this amount from my tuition fees and it was really difficult as a student to pay this false claim which was not even true. Could we potentially settle this out?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2021, I changed my primary address from my old address to a new address on Chase 's online website. Some time afterwards, Chase apparently changed my billing address back to my old address without informing me, and I am unable to see it on Chase 's website. Later, on XX/XX/XXXX, my spouse changed our billing address, in person, back to the new address. Again, Chase changed the billing address back to the old address without informing us. This time, our payments for our bills were rejected and cancelled back due to the uninformed address change. This includes a {$1700.00} purchase we made on XX/XX/XXXX. We only found out the charge was cancelled on XX/XX/2021, and we called Chase at XXXX XXXX  to inquire about the cancellation. During the call, the Chase representative confirmed that the billing address was changed back to our old address, and that the billing address differed from the primary address associated with our card. This was unknown to us, and we had no way of seeing that our billing address was different. The representative proceeded to inquire if I wanted to change my address, which I declined, and proceeded to transfer me to the web department. I was then notified via email around XXXX XXXX that my address was changed without my consent. When I proceeded to inquire about the change, a new representative stated that it was due to a government agency reaching out to Chase about my address being changed, but this is clearly false given I received the same email as I did on XX/XX/XXXX and XX/XX/XXXX. I concluded that a Chase agent changed my billing address without my permission and without my visibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX 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 2021-12-04 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have disputed an account that they have had on my credit since 2017 for a charge off. Additionally, they report it as a new charge off every month. I have asked for validation of debt and never gotten it and they will not take it off of credit. There is around XXXX charge offs for the one account. I'm currently going to court over the issue now. Company is XXXX credit bureau, XXXX XXXX XXXX XXXX, Texas XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
After completing my due diligence, research, and development in consumer law and debt collection there is a preponderance of evidence alluding its a fact you committed several federal violations including but not limited to 15 United States Codes section 1692 ( e ) by giving false and misleading representation that I the consumer owes a debt. 
On XXXX XXXX XXXX I received a Correspondence from XXXX stating that I the consumer owes a debt of {$2900.00} to which I the original Creditor, consumer and attorney infact for the legal person XXXX XXXX. 

On XX/XX/2021 under the exclusive face of the united States Post correspondence Notice & Demand to Validate Debt Claim was signed for upon delivery at address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. 

On XX/XX/XXXX under the exclusive face of the united States Post correspondence Demand for Qualified verification of debt was signed for upon delivery at address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. 

On XX/XX/XXXX under the exclusive face of the united States of the united states Post Office an Opportunity to Cure was signed for upon delivery at address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

At no point in time did I ever receive any correspondence from XXXX. On XX/XX/2021 XXXX did serve summons upon at my place of abode on a relative who accepted said documents. 

Am alleging the actions of the representatives including but not limited to XXXX XXXX XXXX of said Law firm did cause damage on my credit file, also did cause my entire immediate family feud as no one knew of my alleged indebtedness whereas I was treated unfairly, by abusive and deceptive conducts of all parties involved and am alleging Barratry. 

Notice Am alleging XXXX  is a private Attorney not so authorised to enforce debt collection activity as am alleging they are without a contract on record with the United States Attorney General Office to collect debts on behalf the United states pursuant to 31 USC 3718.

Pursuant to 15 United States Code 1692i ( b ) XXXX  is at a legal disability as nothing in this subchapter shall be construed to authorized the bringing of a legal actions by debt collectors. 
Whereas there was no proof of a lien recorded with the Secretary of States Office in the name XXXX XXXX was found. Please see certified copy for proof. 

Am alleging plaintiff by way of XXXX XXXX XXXX whos name appear on allegedly fraudulent Instrument that looks like a summons was simulating a legal process to induce I the consumer to participate in fraud. 
I have also filed a complaint with the United States Attorney General on matters mentioned here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I am having trouble getting an account off my credit report that I am currently paying on. I am making monthly payment every month. I have reached out three times about the same issue. I need this to be removed off my credit soon as possible because I still have the vehicle in my possession. They will not talk to me and want remove this possession off of my credit report. Which is not right they are reporting as a charge off / collection. It should be listed as a current account. I am trying to purchase a home. I am trying to get to the bottom of this situation because it is causing a hold up on my home buying process. How can an account be a charge off / collection if I am currently making payments? I ask that you all investigate my situation in Dept. because I will not stop until I get answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
To whom may concern This is a notice of default and opportunity to cure for Midland Credit Management Inc. as the affidavit sent in support of my claim was not rebutted and my demands in the cease and desist were not met. This is an opportunity to settle this dispute by acting in good faith by providing my request of remedy due to the wrongdoings done against me. 
You failed to respond my request, which is a FDCPA violation, and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation and other several violations in the exhibit A ( attached ) Not only they ignored my prior requests for validation of debt included in the cease-and-desist letter ( proof attached : receipt copies or letter copies ) but they continue to report this debt to the credit bureaus causing damage to my character. 
These two certified letters, receipt number : XXXX Delivered : Thu, XX/XX/XXXX, XXXX PM and XXXX Delivered : Thu, XX/XX/XXXX, XXXX PM was to formally advise you that I believe your company has violated my consumer rights in the following ways. 
Specifically, you : - Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation XXXX Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my cease and desist- FDCPA violation As you certainly are aware, " Admission by Silence '' means that you had a legal duty to defend your position but failed to do so and if my claims were untrue, you would have been compelled to deny my charges. I will use the Admission by Silence in my defense should I be summoned to court or take action against you. 

( Letter attached sent to you previously ) Pursuant to 15 USC 1692c ( c ) I am notifying them in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums.

Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account Deletion from all consumer reports. 

I will reproduce an invoice and send it to your company with Federal violations due to me by your company if you don't comply with my remedy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
There is a charged off credit card account from Bank of America reporting on my credit report. I did not authorize this account and notified Bank of America on numerous occasions about this fraudulent account. I was instructed to go inside a local Bank of America branch with 2 forms of identification to resolve the matter. On XX/XX/2021 I went to a local Bank of America branch office and spoke with the Assistant Branch manager about the fraudulent credit card account. She took my 2 forms of identification and asked me several questions pertaining to current contact info such as email address, phone number, and other personal identifiers. After verifying my identification and cross referencing it with the information that was used to open the credit card it was clearly determined this account was fraudulent. She made notations of this account being fraudulent into the system and assured me that this account will no longer continue to report to the credit bureaus and that I should receive a letter in the mail from Bank of America stating this account has been closed due to fraud. As of XX/XX/2021, I have yet to receive any correspondence from Bank of America stating this account was determined to be fraudulent. More importantly, on XX/XX/2021 the credit bureau XXXX completed a dispute investigation that I issued in reference to the fraudulent credit card account being reported Bank of America stating the account was verified by Bank of America as belonging to me. Since receiving this information from XXXX I have made numerous attempts to speak to someone at Bank of America concerning this fraudulent credit card account. Unfortunately it is evident that Bank of America has changed the personal account information in their system. The original address and telephone number used to open the account was not mine thus the reason I was instructed to go inside a local branch with 2  forms of identification. It is frustrating and very disturbing that Bank of America has simply updated the account with my address and telephone number so now when I call to dispute this account the representatives say the information on the account matches so no dispute or investigation can be made. 
This illegal and unethical practice has negatively impacted my credit and causing unnecessary stress and financial hardship. I would like an investigation into the unethical practices used by Bank of America concerning this fraudulent account. I also seek immediate removal of this fraudulent account from the credit Bureaus. 

Thank you for your assistance and attention concerning this matter.

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 2021-12-04 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: CITIBANK, N.A.
State: PA

Complaint narrative:
There is a late payment appearing on my Credit report for months that does not belong. I was never alerted I missed any payments etc. I have perfect payment history so for it not to be removed would really effect me. This appears on both 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 2021-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PACIFIC PREMIER BANCORP, INC.
State: CA

Complaint narrative:
I have a company that I canceled my subscription in XXXX. I noticed this company trying to withdraw money from my checking in XXXX. 

I notified Pacific Premier bank regarding this issue. I asked if they could place a block on this company to prevent withdrawls from my account bc I had not given them my new debit card number on purpose. 

I was told by a Pacific Premier Bank gentleman who answers at customer service that he had placed a block on my account for this merchant. I said good thank you bc I don't know how they got my card number as I NEVER gave it to them. 

Later in XXXX I noticed a charge for this merchant and contacted Pacific Premier Bank. They told me they'd reverse it. 

I ended up in the hospital that month and was not dc 'd till the Middle of XXXX. I did not have my phone bc phones r banned in hospitals bc they can carry covid into the hospital. 

I noticed when I was dc 'd on my checking account That Pacific Premier Bank had allowed this company to withdraw money in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX even though they stated there was a block on this merchant. 

I called the merchant who stated they were reversing the charges but they never did. I asked them how they got the numbers for the last XXXX debit cards and they refused to give me this info. 

In XXXX my bank had finalized the merger with XXXX ( my original bank ) so they changed cards again. So why did Pacific Premier Bank allow charges on 2 cards that were never given to XXXX?! Especially if they told me there was a block on my account?!! 

Sounds fishy to me!!! Someone in Pacific Premier Bank is giving card numbers out to ppl. 

I spoke to Pacific Premier Bank on XXXX occasions and they told me it was my problem even though they had to have given the merchant my card number and told me there was a block on my account. 

FRAUDULENT ACTIVITY BY THE BANK AND XXXX XXXX. WANT BOTH. INVESTIGATED. 

Plus I've notified the Bank I am unable to access my online bank statements on their site ( on multiple occasions ) and did not authorize electronic statements in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
My account was with BBVA and now I am told is moved to PNC. I have followed all the directions and tried calling PNC unsuccessfully on multiple occasions- their hold times are ridiculous ( 45 min without anyone answering ). I am trying to setup online banking and the information PNC has sent to me as well as the debit card number wont allow me to setup an online account. When I try calling I can not get any human to answer - it is infuriating that all during the hold times the automated message keeps reminding me that I should try their online banking for faster service. I need help from a human and have no more time to continue calling and holding ( one of the times I called and held for almost a half hour only to have the call disconnected ). What more do I need to do???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Hi! 

I received a letter from Synchrony Bank XXXX XXXX XXXX XXXX FL XXXX Tel. XXXX stating that I requested for a XXXX XXXX XXXX product. I called the bank and told them that I never applied for such inquiry. Some one is using my name, address and Social Security number to apply for a credit line. I would like law enforcement to investigate my case. Thanks And whomever used my information put an Apartment number which is wrong. I would definitely press charges to the fullest in recommended by authorities.

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