vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am writing to bring a distressing situation to your attention concerning Synchrony XXXX XXXX. 

Towards the end of XXXX, I made a purchase with Synchrony XXXX XXXX, and I was assured that it would be a 0 % interest rate transaction. To streamline payments, I activated automatic payments and diligently ensured that every charge was promptly settled. There were no missed payments or discrepancies. 

However, my concern arose in XX/XX/XXXX when I realized that I had not received any statements from Synchrony XXXX XXXX since that time. Additionally, I have not received any emails from them since XX/XX/XXXX. Disturbed by this, I accessed my account and discovered an unexpected interest charge of {$1100.00} on XX/XX/XXXX, despite having a balance of around {$800.00} at that time. 

Since that date, I have been subject to monthly interest rates with astronomical figures. Astonishingly, my current balance has now exceeded the initial purchase amount, even though I have diligently fulfilled all payment obligations. 

Compounding the issue is the lack of communication from Synchrony XXXX XXXX. The absence of statements and emails has made it challenging for me to monitor and address this situation promptly. 

I contacted Synchrony Bank on XX/XX/XXXX about this issue. They said because the promotion had expired, I was charged a 30 % interest rate based on the balance at that time. I have never been informed about this expiration. I have never heard or received any notification/statement or other form of communication from Synchrony for more than a year. 

I am seeking the Consumer Financial Protection Bureau 's intervention to thoroughly investigate this matter and take appropriate measures to rectify the unfair interest charges imposed on my account. 

Your swift attention to this matter is highly appreciated, and I look forward to a prompt resolution. 

Sincerely,

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 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

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 2023-12-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: FL

Complaint narrative:
XXXX  XXXX XXXX ( XXXX ) did not respond to my challenges and did not received my Diploma and i reach out to MOHELA and The Department of Education to further take actions againts the School. I asked MOHELA to freezes the loan, but no responds. I hope this does not affect my yearly income taxes or i will retaliate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Someone took my name and ss # and got edd with my information and credit cards in my name phones and all kinds of other things

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 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: CA

Complaint narrative:
My debit card was used to purchase things from XXXX XXXX for {$190.00} in XXXX XXXX, CA. XXXX and XXXX XXXX {$22.00} in XXXX XXXX, CA. XXXX XXXX {$5.00} XXXX XXXX XXXX, CA. XXXX XXXX XXXX {$15.00} and {$10.00} XXXX XXXX, CA. These purchases were not made on XX/XX/XXXX and also not by me as I was in XXXX XXXX, CA at the time. I noticed my card was gone when I went to XXXX in the box on XX/XX/01 and had to use my phone to pay and when I got to my job I checked my account to lock the card and noticed the charges. Ive called my bank twice and at first they refunded everything, but on XX/XX/01 they declined my claim. I called them again and they said they declined it because I never reported the elite smoke charges even though I did so they refiled the claim. Then, I got an email saying they declined the claim and when I called again they told me its because they needed proof that I didnt use the card. However, they approved the claim for XXXX XXXX XXXX, but declined the other ones. Im unsure on how to get proof other than me buying food at XXXXXXXX XXXX XXXX XXXX in XXXX XXXX and my card being used at XXXX XXXX around the same time. I would appreciate any help thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 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: Crown Asset Management, LLC, Duluth, GA Branch
State: CT

Complaint narrative:
On XXXX XXXX I received an email from XXXX XXXX that I have an outstanding debt with Crown Asset Management them to validate this debt. On XX/XX/XXXX I requested from XXXX XXXX that the debt to be validated, their response was that the Debt was sent back to Crown Asset Management. I was then sent a letter by usps from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX. They stated that i owed a XXXX to crown XXXX XXXX. On XX/XX/2023. I requested for them to validate the debt by providing me with the signed agreement bearing my signature, On XX/XX/2023 I received Priority mail from a " XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX ''. This mail contained a small claim writ from XXXX XXXX attorney for Crown Asset Management. it contained an assortment of documents with signatures by person in several jurisdiction namely Georgia, California, Michigan, Virginia and Connecticut. What was not included is the agreement which i supposedly signed. When I called the XXXX XXXX XXXX to get more information, there was none available. Up to the point of me filing this complaint, I have not received that agreement with my signature nor the Answer form from the Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
The checking account I had with JP Morgan Chase for the last 6 years has been closed by the bank without any specific reason and I was told that they decided to stop business with me. However, they closed the account without notice, restricted access to my funds, rejected ongoing payments and checks and their negligence caused tremendous trouble in payments for me. If a bank does not want business with me, I'm more than happy to switch to another one as there are hundreds of them in line but they should have some manners and manage the process properly. They never sent me a notice about their decision or warned me in advance so that I could arrange alternatives for my ongoing payments. I can't wait for future and decentralized finance where people will not need criminal banks as intermediary for financial transactions. When that day comes, I will watch Jp Morgan Chase going out of business in great joy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
Wells Fargo foreclosed on my home in XXXX  They ignored my requests for assistance and repayment for late payments due to child support being illegally withheld by a parent. I lost my home and had to move with my XXXX children the week of XXXX to a rental and lost all equity in my home and my credit is still destroyed 7 years later. I just received a check from Wells Fargo for {$200.00} with a note that said they made an error when my loan was reconsidered for payment assistance. My mortgage account number was XXXX. While the process was occurring they refused to accept any payment at all towards my loan because they said I was delinquent. {$200.00} will not cover the expense of moving, the trauma to my family, the damage to my credit, the 7 years of income renting a home for my family with no equity to show, and the equity I had in my home. I would like to be compensated in the settlement as the documents and court records show against Wells Fargo. I have been employed full time as a teacher for 21 years and worked part time in addition to that as well. I had the income to cover the expenses, but Wells Fargo refused to work with me and in the end did not even respond to any correspondence or phone calls.

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 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have made several attempts to resolve this blatant defamation and violation of the FCRA by reporting and continue to accuse me of being responsible for these accounts. 
I have made my final attempt to resolve this fraudulent account by mail in XX/XX/2023 and till this date has not been properly investigated and removed from my credit. 
I spoke with someone at XXXX XXXX 's security dept. in XX/XX/2023 whom indicated that I would be getting a call back with in 48hrs which hasn't happened yet. 

These accounts are fraudulent and reporting on my credit as accurate and I have filed a police report as well, there was a suspect by the name of XXXX XXXX whom defrauded me and was arrested and has already pled guilty and convicted. 

I sent via priority mail the minute order by the courts disposition along with the district attorney 's business card to verify the fraud and my claim. I also sent a copy of the police report by mail which should have properly relieved me from the debt due to identity theft all to which XXXX XXXX has failed to properly investigate. 

This is my final attempt to resolve this debt amicably prior to seeking legal damages for neglect and defamation. 
Attached to this complaint I will be resending the exact same documents that I previously submitted via priority mail and hope that it lands in the hands of someone competent enough to properly investigate this fraudulent charged off debt and have it removed, as I was instructed to do so by the Dept. of Banking and Finance State Bank Regulators and National Association of Attorney General 's office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I have made several attempts to resolve this blatant defamation and violation of the FCRA by reporting and continue to accuse me of being responsible for this account. 
I have made my final attempt to resolve this fraudulent account by mail in XX/XX/2023 and till this date has not been properly investigated and removed from my credit. 
I spoke with XXXX in the CEO member relations Dept. office on XX/XX/XXXX whom indicated that I would be getting a call back with in 48hrs which hasn't happened yet, but I did received an email from XXXX XXXX the XXXXXXXX XXXX XXXXXXXX with an extension number of XXXX and have made several attempts to contact her and leave several VM but never received 1 call back. 

This account is a fraudulent account reporting on my credit as accurate and I have filed a police report as well, there was a suspect by the name of XXXX XXXX whom defrauded me and was arrested and has already pled guilty and convicted. 

I sent via priority mail the minute order by the courts along with the district attorney 's business card to verify the fraud and my claim. I also sent a copy of the police report by mail which should have properly relieved me from the debt due to identity theft all to which USAA has failed to properly investigate. 

This is my final attempt to resolve this debt amicably prior to seeking legal damages for neglect and defamation. 
Attached to this complaint I will be resending the exact same documents that I previously submitted via priority mail and hope that it lands in the hands of someone competent enough to properly investigate this fraudulent charged off debt and have it removed, as I was instructed to do so by the Dept. of Banking and Finance State Bank Regulators and National Association of Attorney General 's office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently received a copy of my ( XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

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 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my ( XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently received a copy of my ( Experian ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

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 2023-12-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AE

Complaint narrative:
After waiting XXXX hours and having my call dropped I sent a message XX/XX/23 questioning why : XXXX payment was online says {$420.00} but doesn't provide a due date. 
XXXX. My invoice in my messages inbox states that my total payment due is {$370.00} by XX/XX/XXXX which is different than above amount. 

I asked why are the amounts different. Also my XXXX XXXX plan which on federal aid site says my monthly payment should be {$11.00}. 

I received no response. I tried calling again XX/XX/23 but again couldn't connect. I'm stationed in XXXX in the XXXX so the time difference makes it difficult. I sent another message and received an automated response on the XXXX that my message was received and i would get a response soon. On XX/XX/23 I received a message from mohela that I was late on my payment. I replied telling them thank you for reminding me and asked if they could please answer my previous requests explaining why my payment is so high. They sent me an automated message stating that my loan payment amount under save is dropping to XXXX $ starting in XXXX. Then they sent another saying it was XXXX XXXX This is great, but I'm still on the hook for paying XXXX $ in late payments because they messed up the calculation. How can my payment be XXXX $ or XXXX $ but I owe XXXX $? 

I don't expect to hear anything back and after reading about others experience this seems to be a VERY common problem. XXXX response generally seems to be to just tell people to recertify or put your account into forbearance while they figure it out. 

It's unfortunate that there's basically no recourse for people like me. I can't take any action against mohela for doing such a bad job. My only option is to pay an incorrect payment amount that I can't afford.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation