vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-23 00:00:00
Product: Credit 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: UT

Complaint narrative:
So this charge for XXXX needs to be credited back I bought a service thst was a supposed to be good for a year and it was not as advertised and the seller lied to me and ripped me off and lied to me. It turns out the service was only good for 6 months and the seller will not respond to me at all. And it wont answer my disputes or emails. I am really upset. I disputed this before and it came back I can only reach your company by chat because every time I try to call any of your XXXX numbers it says they are all disconnected its like you have some kind of block on my phone from reaching you. I need to dispute again and the chat people keep saying I need to call but I cant because every time I call you back the numbers are alll disconnected.

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 2023-12-23 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: TX

Complaint narrative:
In XXXX I had received a call from XXXX about a medical bill which had been turned over to them. I was walking into a meeting at that time in which I asked the man XXXX to call me back in a couple of hours to discuss this in detail and he said he would. Never got a call back. I called this company to see what was going on and got ahold of a different rep in which he said he would get the XXXX who was over my account the message to get back with me about getting a copy of the original bill to send into my insurance. A few hours later I get an email with a settlement offer letter stating if this wasnt accepted they would report to the credit bureau and never the bill. I replied right back to the email again requesting the original bill and got no response from there. All these phone calls are recorded on XXXX end. I disputed this and explained this to Experian and after 20 days nothing changed and they closed the dispute saying it was valid. Wanting to take care of this and get this collection account off my credit report and hurting me. 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
Consumer complaint received 2023-12-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am writing to dispute an unauthorized hard inquiry that has recently appeared on my XXXX credit report. Upon reviewing my credit report, I noticed an inquiry from Bank of America XXXX XXXX XXXX I did not authorize this inquiry, and I am concerned about the potential impact it may have on my credit score. 

I have not applied for any new credit or made any inquiries with Bank of America ] during the time period in question. Therefore, I believe this hard inquiry was made without my permission. I have also taken steps to ensure the security of my personal information and have not shared my details with any unauthorized parties. 

I request that you investigate this matter and remove the unauthorized hard inquiry from my credit report, as it is negatively impacting my credit score and may be indicative of fraudulent activity. 


I also request that you provide me with a written explanation of the outcome of your investigation and the actions taken to rectify this issue. 

I am confident that with your assistance, we can resolve this matter promptly and restore the integrity of my credit report. Thank you for your attention to this dispute. 

Sincerely, 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 2023-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PENTAGON FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I applied for vehicle loan from this company and was denied and company could not give me a factual reason for my denial. They claim I was a high risk with a XXXX XXXX XXXX with over 6 accounts over 2 years with no late payments. I only have one car loan on my consumer report and I was using on trade in. I spoke with several supervisors and no one could give me a straight answer, I strongly feel I am being racially profiled by this bank. This bank really needs to be investigated.

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 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello, I have a loan with XXXX XXXX. I have been making my payments mostly on time. I believe this year I have fallen behind 3 or 4 times. I am even on autopay as of XX/XX/. This company has been reporting me making late payments because I make agreements for a lesser amount of what is owed. This is not a late payment but a payment arrangement. I have tried calling and refutting this information but they say this is a valid status. I even tried making a dispute with Transunion and they did not change the status back. This has been happening for 3 years and doesn't make sense. Can someone look into this for 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 non-monetary relief
Consumer complaint received 2023-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I paid {$650.00} fee for a premium American Express credit card with many perks linked to XXXX. I received the initial reward linked to my XXXX account after staging 6 nights. I have not received any other points ( around XXXX ), since then. I did not receive Platinum Status nor the XXXXXXXX XXXX XXXX credits within 60 days of opening the account. I have tried 8 times to relink the correct account. This also included a 3-way call between an AMEX representative XXXX myself, and a XXXX representative to confirm my XXXX account number, name, address, phone number, and email all matched. Amex has tried to link the account to XXXX 8 times. Each time XXXX declined the link. Each time I have to call both companies and waste 30 mins of my day for something that could be manually done. I called XXXX today and they could not find a reason there is an issue linking. They referred me back to Amex. Amex, confirmed all of my info matched resent the request to link and escalated to someone else. The same thing that has been done several times before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Im contacting you in hopes that you can reach out to the lender on my behalf. I have been submitting income documentation since XX/XX/XXXX to the tune of XXXX documents. Multiple bank statements from 4 separate accounts ( business and personal ), multiple LES, child support orders and the support history from the OAG office and they still sent my application back again today stating they need more information. 

The dashboard does not state what information is missing. They make me call and speak to a customer service representative, who doesnt even work with the loan officer team. I have not been able to speak with any of the loan officers directly about my case and I truly believe that they are purposely delaying my application so that can cause my loan to go into a default status. 

They have kicked my application back at least 7 times in XXXX alone. I submitted the documentation for another expense on the XXXX XXXX XXXX statement I submitted back in XXXX that they just now requested along with a Payoff letter for the account and a letter of explanation all on the same day. I called XX/XX/XXXX to follow-up since I have not gotten a response on the status since the last documents were submitted XX/XX/XXXX and I was told nothing else is required. Now, yesterday XX/XX/XXXX they are saying they need another letter of clarification even though I provided that already. 

I have attached a screenshot with all the documents submitted to date since XXXX. I have also attached the documents from the expense they requested clarification on earlier this month. They told my VA rep they did not receive them per the emails that I attached, but you can see the date of submission is XX/XX/14 in the screen shot from their portal. 

My property mortgage pay-off balance is {$130000.00} is appraised at over $ XXXX, so I it's evident what they are trying to pull. 

I am veteran. This is intentional and discriminatory. They are denying me a fair opportunity to modify my loan under the VA protections against foreclosure and to lower interest and they are purposely trying to delay my application until the program expires. My income qualifies for a $ XXXX loan modification and I have proven that XXXX times over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: TX

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Hello, My inquiry is about an unresolved dispute XXXX. 
I had called and was told to send them all evidence i had collected of the XXXX $ charge for an XXXX i was physically unable to access in our tiny rental car. The 'road ' was lava rock and mud that had massive dips, so our tiny car had to be physically pushed out of because it was so deep. When it rains ( which is a lot ), those trenches fill up with water making it impossible to enter or leave. 
Of course this was not disclosed in the listing and for the safety of my XXXX XXXX XXXX  son, i did not want to try and tough out such conditions in what was essentially a jungle. The dispute was denied twice now purely because XXXX responded to their inquiries, as stated in the letters chase gave me, and did not review my evidence that it was physically impossible to actually use the service i paid for. I am beyond disappointed that a credit card company will not even review any evidence a customer puts forwards like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Opened XX/XX/2019 Amount {$580.00} The company put it on my account after I told them I had no knowledge I was living in another state

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 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: MN

Complaint narrative:
I pulled my consumer report and noticed an unauthorized hard inquiry that I demand be deleted per the FCRA or specifically 15 USC 1681a ( 2 ) ( B ) which is the exclusion section. This is the inquiry I am demanding to be both blocked and deleted as soon as possible from Equifax : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX Not only did the consumer reporting agencies not give permissible purpose according to the FCRA or specifically 15 USC 1681b ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights 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 instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2023-12-23 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights 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 instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: EdFinancial Services
State: DC

Complaint narrative:
On XX/XX/XXXX, I submitted a payment request on my XXXX portal to allocate {$490.00} towards my students loans. My loans are currently being held by EdFinancial. I did not receive any confirmation from EdFinancial that they had received this request. On XX/XX/XXXX, I received a statement with my balance and my next payment due, which is {$190.00} in XXXX of XXXX. I thought this was strange since I had already tried to start paying my loans. The next day, XX/XX/XXXX, I submitted a email complaint on EdFinancial 's website describing the issue. They did not give me a copy of this complaint or ever respond to it. On XX/XX/XXXX I spoke to an EdFinancial representative on the phone. She explained to me their were " communication issues '' between EdFinancial and XXXX. She told me she put in a " ticket '' on my payment so that it would be looked at sooner. I have not heard any follow up from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: DISCOVER BANK
State: GA

Complaint narrative:
An employee in your credit dispute department is intentionally REPORTING my account ending in XXXX to the credit bureaus daily. Im getting updates to my credit bureaus that my account is being updated from discover bank everyday with the balance. My account is only supposed to be reported ONCE PER MONTH on the XXXX when my statement close and someone is MONITORING MY ACCOUNT UPDATING IT ON A DAILY BASIS! Which is against FCRA policies and is violating my rights as a consumer. If this employee in your credit dispute department keep deliberately updating my account daily so the balance can report. I will find out who the employee is and have discover bank is SERIOUS LITIGATION! My credit card have a due date and a statement closing date. The statement closing date is on the XXXX of every month and is the ONLY DATE MY ACCOUNT IS SUPPOSE TO BE REPORTED TO THE CREDIT BUREAUS. I will be filing a lawsuit and making sure a lawsuit is filed against the employee that is WATCHING MY ACCOUNT AND REPORTING IT EVERYDAY WHICH IS LUDUCRIOUS! Discover bank have millions of customers accounts to attend to and there should be NOBODY who should be WATCHING MY ACCOUNT AND ( HITTING THE OFF CYCLE REPORT BUTTON ON THEIR COMPUTER EVERY SINGLE DAY ). I haven't requested a off cycle update and the account is being updated to antagonize me. Whomever the employee is need to not only be investigated, but FIRED ASAP for violating companies polices. I have all of the update alerts and proof of the account being updated with the credit bureaus. So I suggest discover bank MAKE SURE THAT EMPLOYEE QUIT PLAYING GAMES WITH MY ACCOUNT ASAP! If I receive one more update from discover card to the 3 credit bureaus a lawsuit will be filed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I disputed incorrect information contained in my credit report in a letter dated XX/XX/2023. I understand that, under the Fair Credit Reporting Act ( FCRA ), I am entitled to timely response from CAPITAL ONE. In the letter, I informed you that the account XXXX was legally paid in full after collection status, but I have yet to receive a 1099 c for this write off. In addition, Capital One is in violation of the FCRA for reporting inconsistent information such as the date last active, high credit limit, and payment history. If you are reporting different information to each credit reporting agency, how is the information furnished credible? This is clear and obvious negligence, defamation of character, and gross misconduct. Please take notice that I must receive a corrected copy of my credit report with the changes I have outlined within five ( 5 ) business days from receipt of this letter, or I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the mental anguish your bureau has caused me. Because of your violation of the FCRA 's time frame on such timely responses, it is safe to believe that the information I have disputed has been corrected and all negative data have been removed from my credit report. I thank you for your kind attention to this matter and hope to receive my updated credit report soon. Please see the attached credit report showing that this account was paid in full, and the inconsistent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SANTANDER HOLDINGS USA, INC.
State: ID

Complaint narrative:
Purchased a new XXXX  in XXXX had been paying on it for about a year and a half possibly a little more then was having some difficulty paying from time to time then sought relief under the SCRA act because my son who is on the loan with me joined the XXXX and left home about 3 or 4 months after we bought it. Around XXXX or XXXX of XXXX I was trying to keep up on payments I believe I made a payment in XXXX of XXXX and was working on getting the account current when the finance company decided to charge the off and in doing so never notified me I still maintained full coverage insurance on the vehicle but tragically my wife was involved in an accident and it was declared a total loss. None of the airbags deployed and it was equipped with seven of them. My insurance company wanted to take the vehicle and and offer a payout that wasn't even enough to pay it off. They called the finance company without my knowledge to see if they would accept the offer. I told the finance company not to accept it just yet because I wanted the vehicle to be inspected by someone from the maker XXXX or from the dealership which neither one of them have contacted me and I've called them several times even opened up a investigation and have been to the dealership 4 times and still nothing the XXXX remains in my driveway awaiting for inspection but still nothing has been done. It has been 9 months and I can not believe this is how we are being treated. Please help

Company response to consumer: Closed with non-monetary relief