vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-11 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2022 SYNCB/TJX CO DUAL CARD XXXX bank ) report a hard inquiry on my XXXX credit report, I have never applied for any financial product from this bank and also in that date I haven't had SSN yet so I was not able to apply to get any financial product. This is only being show in XXXX. I need this company to remove this inquiry from my profile.

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 2023-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I've been making more the minimum payment every month for the past 6 months and noticed the interest rate has been staying the same. Even though my balance is reducing Barclay Bank US is charging me the same interest every month. They told me it's because of inflation which is a poor excuse to price gouge customers.

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 2023-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: WI

Complaint narrative:
This debt was paid in full XXXX XXXX 2022 directly to the health care provider. On around XX/XX/XXXX I received a letter from Americollect about this debt. I called and informed them it had been paid in full. I have not received any more letters or phone calls about this account, but now 2 months later they have added a debt to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
Debtor would not send letter of debt verification, extremely rude and unprofessional comments. laughing in the back ground put on hold and never came back to phone, repeated attempts to return calls and they just hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: CT

Complaint narrative:
I received a XXXX payment request for {$540.00} for XXXX This was a fraudulent request I logged into XXXX and saw the request There was a note on XXXX that said that if I didn't make the transaction, i should report it to the Fraud investigation team at XXXX I called this number thinking it was the XXXX XXXX investigation team they answered the call saying " XXXX XXXX XXXX ... '' they asked me to download the XXXX app to my phone so that they could see my activity, for the purpose of protecting me from future fraud they proceeded to ask me to log into XXXX, XXXX, XXXX, and XXXX. 
ultimately they asked me to add the recipent " XXXX XXXX '' to XXXX and XXXX for the purpose of verification and also to cover all of the bases for protection I did what they asked and then they asked me to type in XXXX on XXXX and send I ended up being scammed into sending " XXXX XXXX '' {$1000.00} I realized I had been scammed and hung up and called XXXX XXXX XXXX immediately to stop the payment which was still pending. They said there was nothing they could do except file a fraud claim, which I did. They then told me to call XXXX. 
I called XXXX and they said the only thing they can do is to alert the recipient 's bank of the scam. 
I'd like to file a complaints against both Chase and XXXX for not working with me to refund the money that I was scammed out of, especially because I called immediately while the payment was still pending and they didnt act quickly. 
scammers make millions off of the third party payers like XXXX and XXXX because they offer no protection to clients. They have an obligation to protect clients

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute complaint through XXXX, Transunion and XXXX Credit Bureaus about information being report on my file, and what the Credit Bureaus keep sending back over and over is that they verified the information and XXXX XXXX verified the account is mine. I am not disputing that the account is mine, what I am disputing is the balance that XXXX XXXX XXXX  keeps reporting as being mine, it is not mine, and they are reporting it as being delinquent which has and still is affecting my credit score tremendously. I did not sign a contract with them for a credit card, the card that was sent to me by them did not have an Annual Fee, 2 months after I paid my account in full XX/XX/2022 they sent me an email saying that my account was delinquent, when I called them to find out, what that was all about, they kept transferring me around from one Customer Service Representative after another and no one could tell me why I owed a fee. I have sent Statements of this account showing the account paid in full since XX/XX/2022 to all 3 Credit Bureaus. XXXX XXXX XXXX  sent me a credit card through the mail that I did not apply for, I used the card and I paid the balance in full, there was no Annual Fee for this card. I asked them to send me a copy of a contract that I signed agreeing to pay an Annual Fee and they have not because there is not one. This is what I am disputing, the balance not that the account was mine. I have also asked them to close the account and they are refusing to do so and keep charging that account monthly and reporting it as being delinquent, I have explained this to the Bureaus and they continue reporting it on my Credit. I have worked really hard to build my credit, I have not had any late payments and because of this situation with XXXX XXXX XXXX  my credit score has gone from the 700 's to the 600 's.

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 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
I filed a dispute complaint through Experian, XXXX and XXXX Credit Bureaus about information being report on my file, and what the Credit Bureaus keep sending back over and over is that they verified the information and XXXX XXXX verified the account is mine. I am not disputing that the account is mine, what I am disputing is the balance that XXXX XXXX XXXX keeps reporting as being mine, it is not mine, and they are reporting it as being delinquent which has and still is affecting my credit score tremendously. I did not sign a contract with them for a credit card, the card that was sent to me by them did not have an Annual Fee, 2 months after I paid my account in full XX/XX/2022 they sent me an email saying that my account was delinquent, when I called them to find out, what that was all about, they kept transferring me around from one Customer Service Representative after another and no one could tell me why I owed a fee. I have sent Statements of this account showing the account paid in full since XX/XX/2022 to all XXXX Credit Bureaus. XXXX XXXX XXXX sent me a credit card through the mail that I did not apply for, I used the card and I paid the balance in full, there was no Annual Fee for this card. I asked them to send me a copy of a contract that I signed agreeing to pay an Annual Fee and they have not because there is not one. This is what I am disputing, the balance not that the account was mine. I have also asked them to close the account and they are refusing to do so and keep charging that account monthly and reporting it as being delinquent, I have explained this to the Bureaus and they continue reporting it on my Credit. I have worked really hard to build my credit, I have not had any late payments and because of this situation with XXXX XXXX XXXX my credit score has gone from the 700 's to the 600 's.

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 2023-01-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
IN THE YEAR OF XX/XX/XXXX I PURCHASED A HOME THROUGH THE Veterans administration.By time of the loss of my job i was under a financial crisis and paid XXXX towards my debt.After research called for the XXXX XXXX to find out why my filing had a different origination date.It was then confirmed that my information was not put into the Veterans XXXX XXXX base until XX/XX/XXXX XXXX i have had the XXXX different to try and Foreclose on my loan. My loan was sold and assign to XXXX XXXX XXXX XXXX XXXX XXXX XXXX by the date of XX/XX/XXXX the equity in my home of XXXX had been stripped. we are challenging the fact that the Promissory Note and the Security DEED has BEEN Bifurcated because there is no clean title whereas XXXX  was not the entity who administrated the task. I filed a complaint with CFPB and it took the bank over 30 days to reply. I then received a response by a resolution XXXX by the name of XXXX XXXX from the cfpb case # XXXX which stated that their legal counsel to respond directly to my legal counsel XXXX XXXX spoke to my counsel and the next notice that was sent was an accelerated foreclosure notice for XX/XX/XXXX. In our Mortgage Audit it was declared by the Expert Witness XXXX XXXX  that fraudulent activity is prevalent and the supposed owner has to carry the burden of proof that the promissory note and the security deed are still together and available to XXXX XXXX XXXX and XXXX XXXX XXXX as XXXX XXXX IS DEFINED AS REAL PROPERTY NOW AND WE DECLARE TO BE THE OWNERS OF A CLEAR AND FREE TITLE IN XXXX WE TRUST ROMANS 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 2023-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
On XX/XX/2022 I submitted a request to have the PMI canceled on my mortgage. I have reason to believe that my XXXX on my home is such that I should no longer be required to pay this insurance. I was instructed by my servicing company, Newrez, that they would send me a request to cancel PMI application and that I would need to pay {$150.00} for a local agent to come and assess my home. I'm fine with that, however, it has been almost 3 weeks and I have not received the application. Every time I call they keep putting it off another week, etc. I have invested in excess of {$80000.00} into my home and I am quite certain that I should no longer be required to maintain PMI insurance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: EQUIFAX, INC.
State: VA

Complaint narrative:
The Credit bureaus stated my accout for XXXX XXXX Account # XXXX was properly investigated but how it that possile if there are multiple inaccuracies on my report? I have listed them : 1. Last verified- inaccurate 2. Date of last activity-inaccurate 3. Date reported- inaccurate 4. Date Opened- inaccurate 5. Closed date- inaccurate 6. Creditor remarks- inaccurate 7. Last Payment- inaccurate 8. Payment frequency- inaccurate 9 Two year payment history shows 4 30 p+lus days past due. if it's in collections how is it past due?

This is grounds for removal!

My rights have also been violated under 15 U.S.C. 1681 Sectipn 602 A which sttes thatI have the right to privacy.

15 U.S.C. 1681Section 604 A Section 2. It also states a consumer reporting agency can not furnish an acount without written instruction. I never gave written instruction!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: VA

Complaint narrative:
The Credit bureaus stated my accout for XXXX XXXX Account # XXXX was properly investigated but how it that possile if there are multiple inaccuracies on my report? I have listed them : 1. Last verified- inaccurate 2. Date of last activity-inaccurate 3. Date reported- inaccurate 4. Date Opened- inaccurate 5. Closed date- inaccurate 6. Creditor remarks- inaccurate 7. Last Payment- inaccurate 8. Payment frequency- inaccurate 9 Two year payment history shows 4 30 p+lus days past due. if it's in collections how is it past due?

This is grounds for removal!

My rights have also been violated under 15 U.S.C. 1681 Sectipn 602 A which sttes thatI have the right to privacy.

15 U.S.C. 1681Section 604 A Section 2. It also states a consumer reporting agency can not furnish an acount without written instruction. I never gave written instruction!

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 2023-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: RumbleOn Finance LLC
State: PA

Complaint narrative:
My vehicle was in an accident several months ago and declared a total loss. For the XXXX insurance to pay the amount owed to the lender, they require a payment history. When you log into the account, it states that no payments have been made. Daily calls to RumbleOn achieve promises that the history would be sent by email. It never comes. It is not in SPAM. Multiple email addresses have been given to RumbleOn, yet nothing ever comes showing the payment history. 

RumbleOn is reporting the debt as late with the credit bureau despite receiving notice that the vehicle is a total loss and will be paid by the insurance. It is RumbleOn causing the delay in receiving the payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See documents attached.

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 2023-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
It was brought to my attention of another car dealership that my loan with Exeter finance seemed a little off. I had this car for XXXX years bought XXXX 2020, Ive already XXXX the car off BUT only in interest so I still owe almost the entire balance until I split my payments in XXXX. I reached out to customer service to see if the application I put in was what they received so I asked for my application and they said they dont keep that on file or keep track of it. Meaning everything they needed for my loan just doesnt exist. My income, my down payment, nothing but my name, address, phone number and birthday is all they keep track of. For a company based on car loans you would think they would keep track of anything that is actually needed to approve loan applications. This loan is so high and if I had known this company was this shady I wouldve never signed the paperwork and went to someone else. This company already has lawsuits with other people. 
I was also told that after my first extension, I had to make XXXX full successful payments before I could request another. There was also a call with a customer service rep that was like just make a payment to stay on top of it even when I already expressed that I am struggling financially to XXXX XXXX I have to choose between paying a full car note or feeding myself for the next XXXX weeks of my paycheck. So they only care about making sure we pay our payments, not even caring about us as people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Epn, Inc.
State: UT

Complaint narrative:
I received medical care at XXXX XXXX XXXX in XXXX, UT, in XX/XX/XXXX. In XX/XX/XXXX, I received a call from The XXXX XXXX, a debt collection agency to pay for this service. XXXX never attempted to contact me and I assumed my insurance paid for the visit. I paid The XXXX XXXX and assumed that was the end of it ( I have the receipt ). 

On XX/XX/XXXX, my wife received a call from XXXX financial services saying that I had to pay a medical bill from XXXX XXXX XXXX. I called them back and their collections agent said they had been trying to contact me since XXXX of 2022. She said she had called my wife multiple times since XXXX and sent many letters that got sent back. They were sending letters to an address that I've never been associated with in a city where I've never lived. I checked my wife 's phone records and she did not receive a call from them until XX/XX/XXXX. Additionally, they are charging me over {$100.00} in interest for 6 months. 

To summarize, they : 1 ) Tried to collect on a bill I already paid 2 ) Lied about trying to contact me ( no calls on phone record and sent letters to phony address in attempt to drive up interest ) 3 ) Illegally charged an excessive amount of interest ( over {$100.00} in 6 months on a {$300.00} medical bill )

Company response to consumer: Untimely response
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Scott Fetzer Financial Group Inc.
State: CA

Complaint narrative:
Hi My name is XXXX XXXX I am here to make a complain on XXXX XXXX XXXX XXXX this is a company that helps you with IRS matters but never did anything for me at the time i was going through so much i was getting audit at the time and me sicking help found this company but never helped me.This company was a scam and me being in need they took a banish, I was the one that not knowing how to go about this situation called the IRS myself made a payment arrangement and settled it with them. I did question them if anybody had stepped in. in my behalf and they said no. At that point me not knowing continue on paying my dues with them because I did not want this to affect me on my credit. Called the XXXX XXXX number XXXX they gave me and made a complaint but nothing was ever fix and now it continues to affect my credit still after time. I need any help I could get to fix this matter. I would greatly appreciate. Thank you, Sincerely XXXX XXXX. ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Hello I would like to see my original contract, pay off disclosure, interest rate disclosure, balance history, payment history, and credit insurance for all of the inquiries below.. Ive sent out priority letters out to all of the credit Bureaus, stating inaccurate information on my credit report, and informed them to send me back proof of the accounts ownership and accuracy of them and I have not received anything back yet, If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- -- promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on results or the reinvestigation ; I also asked for them to send me the correct info back via mail and they didnt. This has ruined my credit for years now of inaccuracies and im ready for it to be properly handled, the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation