vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-08 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
My credit card with Synchrony Bank keeps getting " restricted '' ; I do not find out about this restriction until the card is randomly declined at point of sale. Customer service indicates this is happening because mail sent to me is being returned by USPS, this has happened three times, and each time we have confirmed that the account has my correct mailing address. 

I receive postal mail at this address from every other sender without issue. Customer service suggests that I speak with USPS regarding this matter, which I have done, and USPS is unable to act without an example of one of these returned pieces of mail, which Synchrony customer service can not provide me with. 

During my last contact with customer service they indicated they had filed an " escalation '' and someone would follow up and be able to provide an image of a returned mail piece. That follow up has not occurred as of today ( XXXX XX/XX/2021 ) I believe it probable that Synchrony is either truncating my address due to length or has an old address in some system that regular customer service can not see. I would like to work with someone at Synchrony that could retrieve the images of these returned mail pieces, to determine why they're being returned, and get to the root cause of this issue.

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 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
These inquiries don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft ALLYFINANC Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX PennyMac Loan services alleged that I was late on my mortgage payment for the amount of {$3000.00} a month. I have asked PennyMac Loan services to please validate the debt, so I can put this discrepancy to rest. Pursuant Violations 15 USC 1692g, 15 USC 1692f ( 1 ) ( 8 ), 15 USC 1692a, 15 USC 1692d ( 2 ) and 15 USC 1692e ( 2 ) ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IN XX/XX/XXXX XXXX XXXX XXXX IN XX/XX/XXXX Spoke with credit bureaus

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 2021-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I transposed two numbers in my account number when filling out my direct deposit for my tax refund. The deposit was sent to the bank XX/XX/XXXX. I discovered the problem and called the bank XX/XX/XXXX. I was told if the money went into the wrong account, it could not be taken out of that account. I then spoke to a manager who told me there was no account with the numbers I had put on the direct deposit, so the money would go back to the originator. Today, XX/XX/XXXX, I found out the money did not go back, but had been put in another account by Capital One. Capital One now refuses to give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet recently reported my account with them 120 days past due ( XX/XX/XXXX ). My account with them was paid in full bank in XX/XX/XXXX yet the insist on reporting my status as 120 days past due. The loan was paid in full. I have no business with them and haven't in over 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Provider at XXXX XXXX did not disclose product or product details, omitted interest rate told me that interest was free for 12 months described to me as a loan, ended up being a credit card and if balance wasnt paid Id have to pay all the interest accrued for the whole year, found that out the month it was due. My annual income was forged by provider as I did not provide it for the application but a number was put in their i later saw on the documents. Same thing happened with my moms account and she had a portion of my down payment on her account and services for my sister and she filed a claim with synchrony bank - and won they reimbursed her care credit balance but now the XXXX office is saying I owe because synchrony reversed it and now theyre out the money. Does not sound right to me. Deceptive practices and they forged the credit application also did not disclose all the fees and interest. Sounds like UDAAP violation. Synchrony has a class action from XXXX that matches everything that happened to us. I was XX/XX/XXXX at the time and informed her that I did not want any credit products because I did not want the hard inquiry she said itd be a soft inquiry but it wasnt stayed on my credit. Credit was also ruined for missed payments to synchrony because I was told it would be one lump sum to XXXX office not a separate account I needed to pay.

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 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
These inquiries don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft CAPITAL ONE Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
These inquiries don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft BK OF AMER Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft BK OF AMER Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CITIbank RDI located at XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX, reversed my deposited checks received from Blue Shield insurance. Citibank states that XXXX XXXX placed a stop payment causing my account to reflect XXXX in fees. At the present time I do not have any documentation from my insurance provider stating their actions to reversing credits due back. I need Citibank to correct the error in refunding my deposited checks for XXXX, including overdraft fees for 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 monetary relief
Consumer complaint received 2021-06-08 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: GA

Complaint narrative:
I recently received a copy of my credit report after reviewing it, I found an item on the report that is inaccurate. The account in question is XXXX XXXX  XXXX. This account does not belong to me. It belongs to a relative with the same name that lives at another address. The account in question is : Name of Account : Account Number : Reason for Deletion XXXX # XXXX Does Not Belong To 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 explanation
Consumer complaint received 2021-06-08 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: GA

Complaint narrative:
XXXX, TransUnion, and XXXX  have violated the United States Code 1681g - Disclosures to Consumers and United States Code 1681b ( 2 ) Permissible Purpose of Report. This is in violation of the FCRA. 

XXXX, TransUnion, and XXXX  are reporting a XXXX XXXX XXXX, XXXX account on my consumer report, account number XXXX. XXXX XXXX has violated the FDCPA section 809 15 U.S.C. 1692g validation of debts. I sent XXXX XXXX a Validation letter XX/XX/2021. They have yet provided me with any validation of the debt as required under FDCPA section 809. This debt is deficient of Physical verifiable Validation. I never gave XXXX, TransUnion, and XXXX  any written instruction nor permission to report the account on my consumer report. Per FCRA section 604 15 U.S.C. 1681b ( 2 ) clearly states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates. I never gave XXXX, TransUnion, and XXXX  any written instructions to report this account. XXXX, TransUnion, and XXXX  have not sent me any contract between them and I which gives them permission to furnish my consumer report. This can be considered IDENTITY THEFT. XXXX, TransUnion, and XXXX  keeps reporting this account as verified but has yet to send me any verifiable proof on how this account is verified. They have not sent me anything as required per FCRA section 609 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681g -Disclosure to Consumer. They are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that they post on a consumer report. Otherwise anyone paying for XXXX, TransUnion, and XXXX  reporting services could fax, mail, or email in a fraudulent account. FCRA section 611 gives me the right to request an explanation of the verification method used by consumer reporting agencies. XXXX, TransUnion, and XXXX  have not sent me the documentation used to verify the dispute. Under the FACTA SEC 312 ( b ) and ( c ) I request a copy of the records. If this account is not removed immediately I will seek monetary damages under the FCRA section 616 and 617 for willful and negligent noncompliance.

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 2021-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Netspend Corporation
State: GA

Complaint narrative:
I received a life insurance policy settlement to my Ace Elite account via direct deposit through XXXX. Ace Elite emailed me saying they needed further verification and gave me examples of verification. I emailed a copy of I.D . and social security card plus documents of verification that I received straight from XXXX, saying it was in fact my money. Netspend called me saying everything was good. I assumed it was because I withdrew money from the ATM for a few days. Suddenly Netspend contacts me saying they closed my account for security reasons. I was a little upset, but they assured me that I would receive a check in 7-10 days for the remaining balance that was in my account, which is my only source of income at the moment. Since they said there was really nothing else I could do, I hesitantly agreed. I believe that date was XX/XX/2021. It is now, almost 3 months later, still no word or sign of a check. I have called and emailed NetSpend over 40 times. They tell me nothing of value. The last thing they said was that I need a Letter of Indemnity from the life insurance company ( XXXX ). I called XXXX and they told me it is out of there hands, so they want nothing more to do with it and that Netspend needs to handle it. Netspend then tells me that if I open a regular bank account, they would be glad to transfer it to them. I went and opened an account with XXXX XXXX XXXX. XXXX XXXX XXXX emailed Netspend to verify I opened an account. Netspend then said that they couldn't transfer it. I have documentation of all of this. I feel like my money is being held XXXX so interest can be collected on it.. When I call my Ace Elite Card, it says the money is on there. But I can't login to my account or transfer my funds. This is absurd. I'm very disappointed, upset, frustrated and broke. I've already contacted the XXXX XXXX XXXX, FDIC, Comptroller of the Currency, and most recently XXXX ( I'm waiting to here back from them ). I plan on contacting whomever I need to until this matter is resolved, but I'm running out of resources and patience. 
I don't want this situation to get out of control, when it can be be solved quietly. My next steps will be to go on every social media site of Netspend, XXXX, and whomever else wouldn't help me. I just want what is rightfully mine, my money. This money is what my son left to me when he passed. He was a member of the XXXX XXXX 
Please help me with this situation so I can put this behind me. 
Thanks,

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 2021-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners
State: TX

Complaint narrative:
XXXX XXXX was hired to collect a debt that is not mine by Pentrick Capital Partners. Neither XXXX XXXX nor Pentrick Capital Partners can prove that this is my debt. I have asked everyone for proof and nothing ... They keep sending me the same bill, but no proof. Please remove ALL collecting debt from my credit bureaus. This case should not be closed just because the collection companies respond. They need to send PROOF, not just a bill. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened onXX/XX/2017 with a balance of {$11000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: TX

Complaint narrative:
I received a written demand for {$520.00} from American Coradius International LLC XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX NY XXXX on XX/XX/2021. 

It alleges that I am in arrears to XXXX XXXX and that they have been assigned my delinquent debt under account # XXXX. 

I have only one XXXX account and that balance is, and has been for years, {$0.00}. I am uncertain if this is a case of overt fraud or mistaken/stolen identity, but my credit has been frozen for years and I'm having a hard time imagining a situation where someone was allowed to open a new line of credit under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion shows a debt in collections on my report that was charged off in XXXX and no judgments or agreements since. This debt is past the statue of limitations and shouldn't show on my credit. XXXX  XXXX told me that they show the account was charged off in XXXX but said it shouldn't show on my credit as well. Unfortunately they would not send me documentation saying the charge off date or last purchase date. Transunion has not sent me validation of debt with the charge off date, delinquent date and last date of purchase. Its ridiculous I was sent a letter from XXXX  XXXX saying they would resolve it but they say it's not showing on my credit and its definitely on transunion. They couldn't post it on XXXX  because another company tried on XXXX  in XXXX. XXXX  actually investigated and found charge off date but transunion just says its verified, and even after a certified validation of debt letter they still wont supply any info as to age of debt, when debt was charged off and last purchase date.

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 2021-06-08 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: GA

Complaint narrative:
I recently received a copy of my credit report after reviewing it, I found an item on the report that is inaccurate. The account in question is XXXX XXXX XXXX. This account does not belong to me. It belongs to a relative with the same name that lives at another address. The account in question is : Name of Account : Account Number : Reason for Deletion XXXX  # XXXX Does Not Belong To Me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Ability Recover was hired to collect a debt that is not mine by XXXX XXXX XXXX. Neither Ability Recover nor XXXX XXXX XXXX can prove that this is my debt. I have asked everyone for proof and nothing ... They keep sending me the same bill, but no proof. Please remove ALL collecting debt from my credit bureaus. This case should not be closed just because the collection companies respond. They need to send PROOF, not just a bill. Thank you.

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