vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I received a letter from Synchrony Bank on XX/XX/year> stating they were changing the terms of my card. 

These terms Include new and changed items such as a promotional fee, returned payment fee, paper statement fee, and changes to calculating interest. 

The promotional fee lists two deadlines and is not clear when this goes into effect.

One deadline is XX/XX/year>, the other is XX/XX/year>. The XXXX date was long before I was ever even notified about any changes to terms or agreements. 

The balance I have with this account was advertised as promotional and with ZERO Fees or Interest, so long as payments are made regularly and on time. All payments have been made meeting that criteria. 

They are now trying to strong-arm consumers into paying ADDITIONAL and UNAGREED UPON fees. This is at minimum unethical and shady, and more likely illegal and the company should retract all these changes immediately. This will have an effect on small businesses and individuals. I am filing complaints with multiple agencies and will consider consulting a lawyer. 

I REFUSE all of these changes, including any pause, cancellation, or stoppage of my account and access to it. 

The original agreement that was made when I signed up to the account and made the promotional purchase is all I have agreed to and will not agree to any further changes that incur additional fees or costs. 

I Refuse and deny their Promotional Fees, Their Paper Statement Fees, and the changes to interest calculation on these so called fees. 

They are also trying to charge interest on top/in addition to these new fees, thus increasing the amount they will collect more so than just the direct fee itself. 

This is extremely unethical and shady, anti-consumer, and potentially illegal.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I pulled my report and noticed some fraudulent hard and soft inquires and i would like for them to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
While I was At a field trip with my child and at XXXX afterwards on XX/XX/XXXX, someone took {$1500.00} out of my account. There were XXXX transactions at a XXXXXXXX XXXX XXXX, XXXX XXXX charge and XXXX transaction at an ATM. I got A text message from my bank, USAA, saying a charge at frys was declined because of insufficient funds, I immediately Called my bank to let them know there was fraudulent activity. I had Just got paid the day before and I was not at XXXX, I had just left XXXX when I received the text message. Between receiving the text message alerting me of the declined charge and me calling the bank was XXXX minutes. They gave me back the money that was fraudulently taken out in less then an hour. ( Great service ) I was Told I did not need to file a police report and all was taken care of. On XX/XX/XXXX I received emails in my bank app telling me that they did find the ATM charge to be fraudulent ( {$500.00} ), but not all the XXXX  charges ( that equaled {$1000.00} ) so they took {$1000.00} out of my account. I immediately Called them to see why they found XXXX charge fraudulent and not the others, I was told it was because the person used a pin to get the money out. ( Which they also did at the ATM but that was found fraudulent ) They refused to look at it again or move forward with a fraudulent investigation. So I went To the Sheriffs department and have been waiting XXXX weeks to hear back from them. There was XXXX minutes between the charge at XXXX that was me, and the XXXX frys charge. I was told by a USAA rep that XXXX minutes was enough time for me to have made all the charges. 
I did Go to XXXX  attempting to get pictures or videos showing someone else making these charges, I was told only the Police/Sheriff can get that information. 
My spouse is currently XXXX, and we share a bank account. When my bank took out the {$1000.00} ( XXXX  charges ) it left my spouse in a very bad position. Ive been with USAA for XXXX XXXX  and never had a fraudulent charge

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 2024-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: URS Holding, LLC
State: MI

Complaint narrative:
I stated that I had no acknowledge of this matter and can they please verify a little more further and I will look into this matter myself because I did not nor do I had any ideal how this would come about.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
On XXXX XXXX, I sent a certified letter to **Department of Education/Aidvantage** requesting the **Original Instrument of Indebtedness** and any other pertinent loan documentation under **15 U.S. Code 6802** - Obligations with respect to disclosures of personal information. The letter was returned to me, which I believe constitutes a deliberate delay tactic in addressing my request and obligation as outlined in federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
Milestone Mastercard has failed to post payments to my account as mandated by law. According to regulations, credit card companies are required to credit payments to accounts on the same day they are received. Milestone Credit Card did not comply with this requirement. Additionally, they charged me an annual fee of {$170.00} for a credit limit of {$700.00}, which exceeds the permissible amount under California state law. 

Furthermore, Milestone Mastercard contacted me to collect these funds, yet they proceeded to withhold the full payoff amount from XXXX XXXX. This practice raises serious concerns about their compliance with both consumer protection laws and fair lending regulations. By failing to credit payments in a timely manner and imposing excessive fees, Milestone Mastercard is not only violating legal requirements but also undermining consumer trust and financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-09-05 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting 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:
This is my several times to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting 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:
This is my several times to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-05 00:00:00
Product: Credit reporting 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:
This is my several times to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally address my ongoing issue with Nelnet regarding the failure to reissue a reimbursement check and the conflicting information provided to me throughout the process. This situation arose after the closure of the school I was attending, for which I had already made payments toward my student loans. 

Upon the schools closure, I was informed that I would receive a reimbursement check. After not receiving it, I contacted Nelnet on XX/XX/year>, and spoke to a representative named XXXX XXXX He informed me that the check had already been cashed and that the U.S. Department of the Treasury would send me a fraud package to begin an investigation. Despite this assurance, I never received the fraud package. 

When I followed up with Nelnet for more information, I was given conflicting instructions. On the second call, I was told that a replacement check would be reissued. However, I have neither received the fraud package nor the replacement check, nor have I been provided any details regarding who cashed the original check, although that information should be available. 

I firmly believe that Nelnet failed to sufficiently investigate this matter. They did not send the fraud package as promised and failed to provide tracking information for the package, which would have ensured I received it. Additionally, there has been no transparency regarding who cashed the check, a detail that should be readily accessible. 

Every time I reached out to Nelnet, my concerns were either dismissed or met with vague responses. Now I understand whybecause there was a time limit on how long I had to address this issue, which has now expired. This seems highly suspicious and feels like a calculated avoidance of responsibility. 

It is incredibly disheartening that Nelnet has treated this matter with such disregard. I am a person, not just an account number, and I have worked hard to pay off my loans. It is only right that I receive what is rightfully owed to me. 

I kindly request that my case be revisited and that appropriate actions be taken to rectify this situation, including the reissue of the reimbursement check or further investigation into the fraudulent cashing of the original check. 

Thank you for your time and attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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