vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-17 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Someone, who I believe to be named " XXXX '' ( her name, bills and employment history were on my credit reports ) applied for both PayPal and Amazon credit cards in my name through Synchrony Bank on three different occassions. On XX/XX/XXXX and XX/XX/XXXX, XXXX separate Synchrony PayPal inquiries appear on my credit report. On the XX/XX/XXXX PayPal credit inquiry, a very extensive credit check was done including my checking account info through XXXX XXXX, a Supplemental Consumer Credit check through XXXX  along with a XXXX XXXX XXXXs search which brought up a piece of real estate I own. On XX/XX/XXXX, a credit inquiry for Synchrony Amazon also appears on my credit report. I have tried several times to have these three fraudulent application inquiries removed from the big three credit bureaus as they are not mine. All disputes have come back as verified. I was told to call Synchrony Bank by one of the bureas which I did XXXX, XXXX. After speaking to XXXX in the fraud department, I was made aware there were 2 Amazon applications performed on the XX/XX/XXXX inquiry date, 1 application approved for a prepaid card and the other was denied. She said she would immediately cancel the open prepaid account and then transferred me to XXXX XXXX XXXX '' in the underwriting ( I believe ) department. After spending almost 2 hours on the phone with Synchrony Bank, XXXX gave me a separate claim number for all 4 credit inquiries as well as a single claim number for the 4 total. He told me it would take 60 days for the inquiries and supplemental information to be removed from my credit reports. This information still remains. I have received two separate letters from Synchrony Bank stating the fraudulently opened prepaid Amazon card had been closed. I have since disputed these inquiries with the credit bureaus and they still come back as verified. Since the three Synchrony PayPal and Amazon inquiries remain on my credit reports, I called Synchrony Bank again on XX/XX/XXXX. I didn't get the woman 's name but was told I would need to give them another 60 days for removal of the fraudulent inquiries.

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 2022-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
Santander consumer USA I purchased a car from them and I paid on it for 4 years regularly, and I eventually sold the car because of mechanical problems. 

My new lender paid off the loan, and there was Gap coverage remaining that was due to be refunded to me. 

The amount was, I believe, {$320.00}. 

It took a very long time for the check to be issued, and ultimately it was mailed directly to Santander who said that they held on to refunds like that for another 30 to 45 days as a matter of policy. 

I used my debit card to dispute the {$320.00} out of the last payment because they were holding on to those funds. 

A few weeks later, they did send me the refund check and I cashed it. 

First, they called me and told me that I owed them {$500.00}. 

Then, today they called me saying that I owed another {$400.00}. 

I told them that I could see my way into paying {$320.00}, but not the other {$75.00}. 

And I told them if they wanted to get the money from me then they would have to take me to court or to mediation. 

The representative insisted that what I had to do was pay for XXXX and interest will still accruing otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Garrison Investment Group
State: NY

Complaint narrative:
I replied to a mailing from XXXX advertising a low-cost government program to replace windows. The representative told me that the price for the windows would be {$17000.00} and would be financed through a bank, but then said that the bank would not finance such a large amount and that he was able to get a better rate through another company. The company stated that the interest rate was 11.9 %. The rate was high but I felt I had no other option since the windows were already installed. 

I did not receive any statements from the company yet every month they automatically took money from my bank account. Today, I searched for the company online to see how I could see the statements. After calling them to get set up for access to the online statements, I received the shock of my life. The interests on the second statement was nearly {$250.00}, bringing the total to over {$20000.00}. I called back to the company to question why the interest charged was so much, I was informed that the company charges {$6.00} per day for interest, that is not the 11.9 % interest rate that I was informed in the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are accounts in my report that are fraudulent. It is damaging my credit and limiting my ability to obtain one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XXXX my husband became very ill. I was the primary caregiver and took care of him until he unfortunately passed away XX/XX/XXXX. After that I was impacted by the hurricane and my damage was lower than my deductible so I had to pay out of pocket. Due to these two issues I fell behind in my mortgage. I then began a medical transportation company and as we were growing our clientele the COVID pandemic happened and we had to reorganize our entire operation. I sent a modification package to my lender on XX/XX/XXXX. On XX/XX/XXXX I received an email asking for information regarding a monthly payment to XXXX. XXXX is an insurance policy that I must carry based on the transportation I provide. I sent in the XXXX policy and a letter of explanation. I was also asked to clarify income from a prior review. I sent in a letter of explanation regarding the income. The income was rent that my children were contributing to the household. Since my company is profitable and I no longer need the income, my children are no longer contributing. Although, I sent this in I received another email XX/XX/XXXX asking for the same documents. Again, I sent in the policy, letter of explanation and explained in the email that XXXX is an insurance policy and not a line of credit. On XX/XX/XXXX. The same documents were requested. We again explained, they again asked for the credit line information regarding XXXX. At this point, we would like the lender to read our explanation and put us into underwriting. We are unable to convey to the lender the information they are asking for. XXXX has no credit line, it is not debt. 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 2022-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: PA

Complaint narrative:
I recently reviewed my credit report and noticed that my mortgage had been listed as 30 days late on the dates below : XX/XX/2022, XX/XX/2022 and XX/XX/2022 I have experienced great difficulty with communication from the mortgage company as when they call me and I try to answer it is nothing but a dead phone line and I can not speak with them. Calling in to talk to a representative leads to multiple disconnects and trying to set up electronic payments through their website has had it's own difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Credit Report act, everything has to be 100 % accurate on my credit report and under Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification.

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 2022-11-17 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 have rights under 15 USX 1681. 
XXXX is governed by 15 USX 1681, and they violated my rights numerous times. I demand the accounts listed below be removed ; XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USX 1681 ; I have the right to privacy and I did NOT give XXXX permission to furnish these accounts

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 2022-11-17 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 have rights under 15 USX 1681. 
XXXX is governed by 15 USX 1681, and they violated my rights numerous times. I demand the accounts listed below be removed ; XXXX XXXX XXXX  xxxxxxxxxxxx XXXX XXXX XXXX XXXX  xxxxxxxxxxxx XXXX XXXX - XXXX XXXX  xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX  XXXX xxxxxxxxxxxx XXXX XXXX XXXX XXXX xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USX 1681 ; I have the right to privacy and I did NOT give XXXX  permission to furnish these accounts

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 2022-11-17 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: TX

Complaint narrative:
in accordance with the fair reporting act XXXX  account XXXX has violated my right 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 it also says the account is still open which is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: TX

Complaint narrative:
in accordance with the fair reporting act XXXX XXXX XXXX has violated my right 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 it also says the account is still open which 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 non-monetary relief
Consumer complaint received 2022-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've been disputing this account for over a year regarding inaccurate and inconsistencies on my credit report causing my scores to drop. I need to know who currently has this debt.

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 2022-11-17 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: FL

Complaint narrative:
I've been disputing this account for over a year regarding inaccurate and inconsistencies on my credit report causing my scores to drop. I need to know who currently has this debt.

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 2022-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
On XX/XX/XXXX, I sent a Bill Pay check on a relative for {$600.00}. I have sent money through Capital One 's Bill Pay before without an issue. When my relative reached out a week later saying they had not received it and reached out to the card investigation team. They told me that the check was en route and to wait until Friday the XXXX and if had not been received by then they would put a stop on the check. 

I reached out that Friday the XXXX and was told that they opened a case to stop the check. I received an email Monday the XXXX saying that the request had been denied. I called again and was told that they would re-open the case after I re-explained my issue. On Monday the XXXX of XXXX I called again and they assured me that the money would be put back in my account in 1-3 business days ( by the end of day Thursday at the latest ). When the money was not posted I called this past Tuesday, the XXXX, to complain that the money had not been returned and they again promised the money would be returned in TWO business days ( end of day Thursday ). I reached out again today since the {$600.00} has still not been returned and I was told by the employee and supervisor that the money would not be returned to my account until Friday or Monday which is now 10-11 business days after they told me it would be returned. The check STILL has not arrived at my relatives address and it has not been cashed. 

I told them I would be filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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:
There are accounts in my report that are fraudulent. It is damaging my credit and limiting my ability to obtain one.

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 2022-11-17 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:
There are accounts in my report that are fraudulent. It is damaging my credit and limiting my ability to obtain one.

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 2022-11-17 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I lead a nonprofit group and we mailed a check to a specific volunteer ( through XXXX XXXX ). Someone intercepted that check somewhere between it being printed and before it was delivered to the intended recipient, and it was deposited in a different person 's bank account with no signature. 

Chase should never have accepted that check deposit and our account should not have been charged, as it was clearly stolen and fraudulently deposited. I have the check back photographs clearly showing other checks we have sent to this volunteer that were correctly deposited and this fraudulent deposit looking completely different.

Chase seems to think that somehow fraud regulations don't apply to XXXX XXXX, which is patently untrue. I have spoken with them multiple times and they refuse to do anything, so I am hoping you can help hold them accountable to their own policies and federal regulations. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-11-17 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: AR

Complaint narrative:
TransUnion has violated the FCRA by doing shoddy investigations which I have a article enclose by the CFPB which states this. I also have previous dispute which proves this XX/XX/2022, XX/XX/2022, and XX/XX/2022. TransUnion has also violated the FCRA by having a data breach which has effected 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 2022-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Synovus Bank
State: CA

Complaint narrative:
This is a secured credit card with my investment of {$1000.00} I have had this account since XXXX. Had a fraudelent charge disputed XXXX  months ago that still has not been resolved. The card was locked for XXXX months because that department line is constantly busy. 
I have a XXXX $ plus available credit but the card is always declined. Now the general information number is not even active. 

Something is not right.

Company response to consumer: Closed with explanation