vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I called Bank of America to let them know that my payment for {$1000.00} made on XX/XX/year> did not post to my credit card in which I was an authorized user ending in XXXX. When speaking to the representative I said that I transferred from my personal Bank of America checking using their bill pay. I have a paper trail and provide a confirmation number. She said she could see the payment it is missing they need to research it. Since then they have completely messed everything up. They transferred the payment to a personal credit card I have. 
Now my credit card that I am authorized user is stating I am in default it is going to affect my credit. Plus they also removed another payment I made in XX/XX/XXXX for XXXX and applied it who knows where. I have been dealing with this for weeks spoken to multiple supervisors stating the issue will be resolved. Every time I speak to a supervisor the issue has gotten worse. 

It was very simple pull the calls they are recorded listen to them. All I said was my payment didnt post to my credit card ending in XXXX for XXXX now this has snowballed into a bigger issue. At this point I want to speak to a lawyer because it is affecting my credit and it hasnt been resolved. I had a supervisor call and state the account has been corrected and provided a balance of {$6500.00} again I said the XXXX payment was missing. He than proceeds to review the account and seems confused. 

The worse part someone from complaints called earlier in the day and said they need to escalate because it hasnt been resolved. Once the payment is posted my balance should be roughly around XXXX. So when I told XXXX he seemed confused and said they should handle it. But clearly you said it was already resolved had I not questioned him again I would still be missing a payment of XXXX. I want to pay this card off and no longer have anything to do with them. I have been a loyal customer for years XXXX XXXX XXXX XXXX XXXX XXXX but I know many people have complaints.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony PayPal credit decide to closed my account on XX/XX/year> without notice. After contacting them online I was told it was due to my credit report. My reaccredit report has had XXXX changes with all all accounts showing in good standing as all my active accounts have been on auto pay. 
Synchrony has a habit of closing my cards at random. they would either lower my credit line for no reason or closed my account with perfect payment history when I had 100 percent payment history across my accounts CAUSING MY CREDIT TO DROP MANY TIMES. 
Synchrony claims they make the decisions based on credit change when they are the root cause of my credit change my lowering my credit line and causing change to my usage percentage or closing my account at random also causing changes to my credit score. 
PayPal credit cars have had XXXX missed payments. 
Synchrony has XXXX reason to close my account and claim of credit report is a bogus reason when all of my opened account are all currently on auto pay.

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 2024-06-22 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Account name / Columbia Debt Recovery LLC DBA GENSIS Account # / XXXX In accordance with the Fair Credit Reporting Act the list of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 without my written instructions THESE STATEMENTS Against me are not true I never used my information for this company! MY INFORMATION WAS STOLEN!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have had Experian membership services for several years and since XX/XX/2024, I have been unable to access my XXXX credit report scores from each of the XXXX bureaus. I have only been able to get XXXX credit report score from Experian and not others as of XX/XX/2024. I just canceled the service today, but I want to get all three of my credit bureau scores to accurately assess my score. When I try to refresh scores, I get a general error message stating that there is an issue with verifying my information with XXXX. They don't give details when I call, so I assumed it was my address. I updated my address with all three credit bureaus to my home address in XX/XX/XXXXbut any of the credit bureaus don't give me any type of reason for this issue.

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 2024-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: OH

Complaint narrative:
Someone opened a fradulent bank account in my name. 

Chime bank account was fradulently opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Incorrect Information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: UPGRADE, INC.
State: CA

Complaint narrative:
Subject : Complaint Against UpgradeXXXX XXXXXXXX XXXX for Unauthorized Charges ** I have all conversations that I mentioned in this complaint recorded between myself and Upgrade to back up everything stated in the complaint*** Dear CFPB, I am writing to file a formal complaint against Upgrade, whose parent company is XXXX XXXXXXXX XXXX XXXX regarding unauthorized charges on my credit card and inadequate responses from both the merchant and the bank. 

In XX/XX/year> I discovered unauthorized charges totaling approximately $ XXXX on my credit card from a merchant named XXXX XXXX XXXX These charges occurred over a span of one or two days without my authorization. Upon realizing the fraudulent activity, I promptly contacted the merchant, XXXX XXXX, to dispute the charges and request a resolution. However, the merchant has failed to respond to my emails or address my concerns. 

Subsequently, I reported the unauthorized charges to Upgrade/XXXX XXXX Bank and initiated a dispute. Despite my efforts and multiple follow-ups with the bank, I have received inconsistent information regarding the issuance of a provisional credit. On three separate occasions, I was provided with different timelines and outcomes, none of which have been fulfilled. It has now been over 10 days since I filed the dispute, and I have yet to receive the promised provisional credit. 

As a consumer residing in California, I am seeking assistance from the CFPB to resolve this matter and ensure the integrity of my account is restored. Specifically, I request the following actions : I have attached copies of all relevant documentation, including email correspondence with XXXX XXXX and UpgradeXXXX XXXXXXXXXXXX XXXX XXXX for your reference. 

I trust that the CFPB will take the necessary actions to address my complaint and ensure a fair resolution. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on this publicly traded security. The incorrect information contains numerous errors that need immediate correction. I assert my rights under the Uniform Commercial Code ( UCC ) 1-308 to have these inaccuracies promptly addressed and removed.

The publicly traded security in my consumer file contains false information and needs to be removed. Specifically, the following names listed on my report are incorrect : - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX I have not, nor have I ever, gone by these names. I do not have a middle name, and this information must be corrected immediately. 

Additionally, the following addresses are not mine and are non-mailable addresses, requiring prompt removal 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 Moreover, the following phone numbers are incorrect and should be removed from my consumer file : - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX I am the rightful owner of this credit file and request that these inaccuracies be corrected to reflect my true information. I deserve to have my rights respected under UCC 1-308. 

Please investigate this matter, remove the inaccurate information from my consumer report, and send me written confirmation of these changes. I appreciate your prompt attention to this urgent matter.

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 2024-06-22 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: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND I WENT TO THE AUHORITIES TO REPORT THE FRAUD I WAS TOLD MY AN OFFICER THAN I WILL NEED TO CONTACT THE COMPANY AND THE CREDIT REPORTING BUREAU TO MAKE THEM AWARE OF THIS. I PROVIDED THEM WITH THE REPORT AND EVERYTHING THEY ASKED ME TO SEND AND THEY ARE REFUSING TO REMOVE THE ACCOUNTS ON MY CREDIT FILE. I REQUESTED ALL CONTRACTS AND INFORMATION RELATED TO THE ACCOUNTS AND LOAN TO BE SENT TO ME I HAVE YET TO RECEIVE ANYTHING. There is an auto loan reporting twice at two different amounts I'm unsure but I will list them below. 

I AM REQUESTING THAT THESE ACCOUNTS listed BELOW BE REMOVED FROM MY CREDIT FILE 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 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 XXXX XXXX XXXX  Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$15.00}, XXXX written off. {$16.00}, XXXX past due as of XXXX XXXX. 
{$25000.00} OVERVIEW Highest balance {$25000.00} Opened XX/XX/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 2024-06-22 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: IL

Complaint narrative:
Incorrect Information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: IL

Complaint narrative:
Incorrect Information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
Re : Dispute of Inaccurate Disclosure under Truth in Lending Act ( TILA ) Account Name : XXXXXX/XX/XXXX Account Number : XXXX I am writing to formally dispute the inaccurate and incomplete information reported on my credit file under the Truth in Lending Act ( TILA ) regarding my XXXXXX/XX/XXXXaccount referenced above. The following discrepancies and omissions have been identified in my credit report : Specific Issues Identified : XXXX. Inaccurate Account Status : The account status is listed as charged off with a past due amount of {$4300.00} as of XX/XX/XXXX. However, the status updated date is listed as XX/XX/XXXX, which is inconsistent with the charge-off status continuing into XXXX. 

2. Credit Limit Discrepancy : The credit limit for this account is reported as {$3500.00}, but the highest balance recorded is {$4300.00}. This discrepancy suggests possible errors in reporting or unclarified over-limit fees. 

3. Omitted Recent Payment and Monthly Payment Information : Last payment report as XX/XX/XXXX, but 24 months history payment show that last payment was XXXX, XXXX clearly an inaccurate payment information. Monthly payment fields are left blank, violating the requirement for transparency in payment reporting under XXXX. 

4. Inconsistent Payment History : The payment history shows gaps and inconsistencies, with no data ( ND ) reported for several months in XXXX and XXXX. This lack of detailed payment history affects the accuracy of the report. 

5. Inaccurate Reporting of Terms : The credit card terms, such as the APR and payment terms, are not reported, which violates the TILA requirement for clear disclosure. 

These issues are also in direct violation of the FCRA, specifically : - Section 1681e ( b ) : " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' - Section 1681i ( a ) : " If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer... the agency shall ... conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate... '' Enclosed with this dispute a copy of the section of my credit report highlighting the disputed items as a document to support my dispute :.

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 2024-06-22 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
Tsi emailed an individual at XXXX on XXXX of my personal information including debt information. I am not Associated with this email nor do I use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
This complaint is related to my previous complaint against Synchrony bank under # XXXX. Senior specialist in her answer claimed that they could not detect fraud on my account. Moreover, on XX/XX/year> they charged my bank account for {$150.00} when the actual charges were only {$71.00}. Fraudulent charges were in the amount of {$140.00} which include charge of {$56.00} made on XXXX from " XXXX XXXX XXXX XXXX '' and {$89.00} made on XX/XX/year> by " XXXX ''. I am XXXX XXXX XXXX and have hearing problems and do not speak on phone on important issues. I do not want this card and do no want to shop at Sam 's club. Prices in two local XXXX stores ( XXXX and XXXX ) are much better What Synchrony bank is doing on a sysgematic basis is illegal fraud and stealing from a XXXX citizen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I filed a dispute with XXXX on XX/XX/2024 regarding an issue with getting a loan that I obtained to purchase a product from XXXX XXXX merchant on XX/XX/2024. I sent an e-mail on XX/XX/2024 and XX/XX/2024 to ask for the product to be delivered. I received no answer. I subsequently sent a follow-up to cancel the request on around XX/XX/2024 to cancel. I have received no response from the merchant as of XX/XX/2024. 

As such, I submitted the previously mentioned dispute on XX/XX/2024 with Affirm, in which they resolved the dispute in the merchant 's favor on XX/XX/XXXX with no explanation. I sent a request online with an online chat rep for a reason on XX/XX/XXXX and they mentioned I would get an update within XXXX days. I have yet to receive a reason for the decline. I have since followed up with a phone call on XX/XX/2024, to request a refund for the XXXX loan and an explanation of why the dispute was resolved in the merchant 's favor, since I haven't received the product I got the loan for the date. XXXX  is threatening me with reporting me to the credit bureau for a product that I haven't received. 

I have sent to XXXX a copy of the XXXX e-mails that I sent to the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Its a fraud credit card someone started in my name. No idea who what where. I called to dispute and they were rude. 
They also sold my information without my approval. This has been disputed for a couple years and they still require money. XXXX and Authorities have been contacted. It is a shady scam company ruining peoples credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I've applied 3 times to get my loans forgive or cancel. I've been denied all XXXX time this year. Navient stated that I didn't quality. Here are the dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have been trying since XXXX. I like my loans to be cancel. 

Navient Current Amount XXXX- {$59000.00} XXXX - {$25000.00} Loans end XXXX. 

I've been paying on these loans since XX/XX/XXXX. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: SC

Complaint narrative:
This XXXX account was deleted from my equifax credit report and equifax put it back in my credit report the investigation was finished and the account was deleted from my credit file it has not been reinserted back into my credit file the credit law says that and account that has been deleted can not be inserted back into a credit report i have attached documents that prove this account is fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
My Certificate of Deposit ( CD ) account with Marcus by Goldman Sachs matured on XX/XX/year>. According to the account agreement, the funds should have been transferred to my linked bank account upon maturity. However, the account still shows as being open on the website, and the funds have not been transferred. 

I contacted Marcus customer service multiple times via chat and phone to resolve this issue. Each time, I was informed that an alert had been placed on my account, but no one provided any specific details or actionable steps to resolve it. I spent over an hour and a half on these calls, being transferred between representatives without any progress. 

I requested detailed information on the nature of the alert and why my funds had not been transferred, but I received no satisfactory response. This has caused significant inconvenience and concern regarding the security of my funds. 

I am seeking the immediate resolution of this issue, including the removal of the alert, the proper closure of my CD account, and the transfer of the funds to my bank account.

Company response to consumer: Closed with explanation