vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2023, my credit card was charged for 3 fraudulent charges- {$5.00}, {$19.00} and {$79.00}. I immediately notified the Fraud Department at Synchrony Bank and was told a Fraud Claim would be opened. 
On XX/XX/2023, letter received from the Fraud Department - Fraud Claim approved and charges will be reversed in 10 days. The charges were not reversed in 10 days.

On XX/XX/2023 Fraud Department stated I did not need to make a payment during the investigation process. No interest or late charges would be assessed. Interest and Late Charge has been assessed. 
On XX/XX/2023, a charge of {$28.00} " transfer from XXXX '' appeared on my account. 
On XX/XX/2023, checked on progress of investigation- it will take 60 days. 
In May, I called the Fraud Department again to report interest and {$28.00} charged to my account. I was told all charges and interest will be reversed. Again, did not happen. 
XXXX XXXX, I sent a letter to Synchrony Bank outlining the fraud and all the phone calls I had made and the broken promises that had been made to me. To date, there has not been a response to my letter. 
On XX/XX/2023, my husband called and was told that the claim had been resolved in my favor. However, no charges, interest or Late Charge ( recently charged for non-payment ) have been reversed as was promised. 
In summary, I have had to make many follow-up phone calls, received several unfulfilled promises and after nearly 6 months still do not have a resolution.

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 2023-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Auto Finance Ucc 3-105, ucc3-104, in accordance with 12 usc 361. These companies received such tender and notification to credit/discharge the accounts for the beneficiary of XXXX XXXX XXXX XXXX XXXX The instruments were taken and never returned in a timely fashion as stipulated in the cover letter and is therefore commercially Accepted. 15 usc 1682 s-2 please stop harming me financially. 31 usc 5118. Stop demanding cash from me as it violates my Article 1 section 10 clause 1 right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Hi Im having problems with capital one bank so I had an issue with an charge that was charged to my account and captain one send me a refund and then at the same time they withdraw the money from my account that made my account negative balance and they want me to pay a balance that they made my account negative and they still keep calling me and harassing me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19 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: NV

Complaint narrative:
For XXXX Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

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 2023-06-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

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 2023-06-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: HI

Complaint narrative:
My private student loan account is with Firstmark. I have been paying on this account for over 10 years. In XXXX, the XXXX military rate was applied to the account ensuring that the interest rate did not exceed 6 %. With regular payments being made on the account, the total balance has increased instead of decreasing. Sometimes, I do pay the account earlier than the due date which is reflected in the transaction history. On XXXX XXXX XXXX, I emailed the company regarding concerns with the account. From XXXX XXXX  to date, the total balance on the account has fluctuated from {$100000.00} to {$100000.00}. From XX/XX/XXXXXXXX  to date, the max amount of {$8.00} from my monthly payment was applied to the principal. As annotated in the transaction history, before XX/XX/XXXX, the minimum amount applied to the account was {$240.00}. The payment allocation was changed with my authorization. I contacted the company multiple times regarding the payment allocation. I requested that more of my payment go back to being applied to the principal and they have refused. There is nothing listed in the policy or promissory note stating the account holder could not request this. Additionally, there was a glitch in the Firstmark system that indicated that I overpaid my account. I requested a refund of my payment at the time. After the system was properly updated, it reflected that the account was not overpaid. I sent the payment and ensured the account was paid. The representative stated that there would be notes in the account. 

The company failed to amortize my account from XXXX XXXX to XX/XX/XXXX. Due to their failure, I now have to pay a higher monthly payment. My monthly payment increased from {$540.00} to {$700.00} starting in XXXX. On XX/XX/XXXX, the company informed me that they failed to amortize the account via email correspondence and via phone calls. The representative explained more in-depth via phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: IL

Complaint narrative:
Cash app transactions that I didnt make or approve and I make a dispute about this transaction, and they decline with any explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ALLIANT CREDIT UNION
State: NY

Complaint narrative:
I participated in : Open a certificate by XX/XX/XXXX plus maintain a minimum {$1000.00} certificate balance on XX/XX/XXXX to earn a {$100.00} bonus The promotional {$100.00} was due XX/XX/XXXX. It is now past due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
All 3 credit bureaus are reporting and have reported 38 say late payment on one of our XXXX account. 

Due to extreme high interest rates and our retirement income low, we consolidated our 3 large credit card debts in to a reasonable payment with year payoff of the {$30000.00} debt. 

Credit card companies, without cause of anything we have done, elected again to put rate up to 25 %. With a FICO score of XXXX, and local bureaus score of XXXX, we have earned rates under 6 %. Without cause these three cards XXXX XXXX XXXX, and XXXX XXXX went from low to 25 %. We asked for reduced rate based on our years of in time payment history. Home and motorhone on time payments ( motorhome interest rate 4.5 % shows we had great credit.. 

Due to a clerical issue when we consolidated loans. One of the XXXX XXXX loan payment was 38 days from our early payment before consolidated loan payments started. Late on billig date 1 day. As soon as we saw we fixed the accounting with XXXX XXXX XXXX 

There was NO 38 day late only 38 days from previous payment date. 

To add to this incorrect defaming action on the 3 credit bureaus. Our credit scores dropped from XXXX FICO and local bureaus XXXX to XXXX. With on time payments for years. The bureaus are not reporting length and number of accounts, and all ontome payments to punish our great record. 

Attached find ambiguous reporting. Punishing words unfounded, lies, total fabrications to punish great payment and credit responsibility. 

Totally irresponsibility on the part of these companies required to reporting truth.. i will attach some screen shots shoeing as much as I can.. more upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Blessings, I contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would make a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to Please help me remove it since my credit dropped because of all these inquiries that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19 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: GA

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MN XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

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 2023-06-19 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: Consumer Portfolio Services, Inc.
State: CT

Complaint narrative:
Blessings, I've contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would make a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to please help me remove it since my credit dropped because of all these inquiries that do not belong to me. 
CONSUMER PORTFOLIO SERVICES Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern : I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from XXXX, TransUnion, and XXXX and have noted following discrepancies : XXXX XXXX XXXX Secured or personal loan Date acct open : XX/XX/XXXX {$990.00} XXXX XXXX date : XX/XX/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 2023-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I traded in my XXXX XXXX and financed a XXXX  XXXX XXXX last year. Mainly to get back and forth to work ( as a XXXX XXXX XXXX ). I am also a part of XXXX XXXX XXXX XXXX XXXX. We began XXXX last year and instead of having an additional bill while XXXX I began to ask about the SCRA law. I tried to utilize it, not knowing there was a difference between what the law does in comparison to financed and leased vehicles. Getting ready for my first XXXX XXXXXXXX and doing my best to get my family ( wife and XXXX children ) settled for my departure, I continued with turning in the vehicle. A representative for chrysler capital put me at ease, telling me, vehicles are often upsold and when that happens the previous owner is written a check. Knowing I had a barley used, 2022, " in demand '' vehicle, I thought it would work out well. While XXXX the vehicle was sold, at an " auction '' for more than 20k under the value. Chrysler Capital wants me to pay the difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: CT

Complaint narrative:
Blessings, I contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would make a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to Please help me remove it since my credit dropped because of all these inquiries that do 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 2023-06-19 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: OH

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the fair credit reporting act. I told the Experian, XXXX, and XXXX to reinvestigate however they said everything was complete and accurate but how is that possible if the last open date, date of last activity and much more is incorrect. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : US Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXXXXXX XXXX XXXX  XXXX Has violated my rights.

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 instructions 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 2023-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: IL

Complaint narrative:
My Cashapp account was closed unwarrantedly. I requested the issue be investigated and rectified XX/XX/23 in which I was informed to check my email for updates and I would receive resolution within 15 business days. As of XX/XX/23, I have been unable to receive any updates on the investigation of why my account was unjustly closed. I have reached out to Cashapp over 3 occasions to check the status and they refuse to give any update. They continue to tell me that my concern has been routed to the proper department and that is the only information they have at this time and to continue to check my email for further information. I have also requested for them to escalate or have a manager contact me to assist with resolution but no one ever follows up. They are practicing deceptively and violating my consumer rights. They unfairly closed my account and will not provide a substantial reason. They simply refuse to provide any update because I know I have not violated any terms for them to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Amount : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not my debt and improper reporting and intrinsic fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United PanAm Financial Corp.
State: VA

Complaint narrative:
I signed a contract with XXXX XX/XX/XXXX and united auto credit would not fund the loan until XXXX the XXXX so I got my car XX/XX/XXXX from from they would not release without fund they added on a payment for XX/XX/XXXX and are trying to strong arm the consumer out of money I haven't had my car a month yet and still don't have hard plates but they want a payment

Company response to consumer: Closed with explanation