vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-22 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: FL

Complaint narrative:
Accounts XXXX  XXXX AC : XXXX XXXX  AC : XXXX / XXXX Dispute for Reversing Late Payment - Reference to 15 U.S. Code 1666b Report containing information slowly as two transactions or experience is between the consumer and the person making the report.

Dear credit bureau.

I am writing to dispute a late payment entry on my credit report and request its immediate reversal. According to my rights as a consumer under the Fair Credit Billing Act, specifically 15 U.S. Code 1666b, I believe this entry was reported inaccurately and does not reflect the true status of my account.

It has come to my attention that the above-mentioned account is still being reported on my credit report, despite being closed. According to Section 15 USC 1681i ( 5 ) of the FCRA, it is impermissible for the credit bureau to report information that is outdated, inaccurate, or can not be verified. Given the closure of the account, it should not be appearing on my credit report, as it misrepresents my current credit status. 
I request that you investigate this matter promptly and take the following actions :

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 2024-07-22 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: TX

Complaint narrative:
On XX/XX/2024, XXXX reached out to Affirm for assistance regarding a refund for a canceled order with the vendor " XXXX XXXX '' associated with a loan ID XXXX for {$1500.00}. The vendor canceled the order, but failed to communicate the cancellation to Affirm, resulting in XXXX being continuously charged despite the cancellation. 

Key details and actions taken : Date : XX/XX/2024 Loan ID : XXXX Loan Amount : {$1500.00} Issue : Vendor canceled the order but did not inform Affirm, leading to ongoing charges. 

Actions Taken : Initial Contact : XXXX initiated a chat with Affirm 's assistant at XXXX XXXX  to request assistance with a refund. 
XXXX Involvement : Thalia P from Affirm joined the chat at XXXX XXXX to assist XXXX. 
Refund Issue : XXXX explained that the vendor canceled the order but did not communicate this to Affirm. Affirm continued to charge XXXX despite the cancellation. 
XXXX XXXX : XXXX confirmed that there was no refund reflected on XXXX loan from the merchant, and requested the exact date when the merchant processed the cancellation. 
Dispute Initiation : XXXX informed XXXX that Affirm has a process for disputing a loan and initiated this process. 
Timeframe for XXXX : XXXX mentioned a XXXX business days timeframe for Affirm to receive the refund from the merchant. 
Proof Requirement : XXXX noted that Affirm 's relevant department required more proof from XXXX regarding the refund processed by the merchant. 
Existing Dispute : XXXX acknowledged that XXXX had already filed a dispute, but it was beyond the XXXX eligibility window for Affirm to open a new dispute. 
Final Recommendation : XXXX advised XXXX to work directly with the merchant to resolve the issue since it was beyond Affirm 's eligibility window for dispute resolution. 

XXXX expressed dissatisfaction with the situation and indicated an intention to file a complaint with the Consumer Financial Protection Bureau due to the lack of resolution and continued charges by Affirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
The issue is with CareCredit/Synchrony Bank XXXX We received a monthly statement with closing date of XX/XX/year>. The statement shows a balance of {$1200.00}, a payment of {$50.00}, interest of {$11.00}, and a new balance of {$1200.00}. We paid the new balance due of {$1200.00}, and the bank shared that they received that payment on XX/XX/year>. We subsequently received a new statement with a closing date of XX/XX/year> which shows a previous balance of {$1200.00} and the payment of {$1200.00}, which zeroed out the account. However, the statement showed an interest charge of {$5.00}. When I called the company today ( XX/XX/year> ) to question why we were charged interest on a XXXX balance, I was told that any payment made over {$500.00} results in a hold on the account and that while our account was on hold for review, we were charged interest. My issue is not with the {$5.00}, which the agent I spoke with removed from our account. My concern is with this practice/policy. How many consumers are paying off their balance resulting in the same " review process '' and corresponding interest charge? I think of all the people who, unlike me, don't bother calling and questioning, and end up paying this added interest that shouldn't be charged. If this policy is allowed, shouldn't the company have a system to automatically flag these added charges and remove them or provide a refund? Otherwise, Synchrony is pocketing money that they shouldn't.

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 2024-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I refinanced my mortgage with Fifth Third some years ago, and when doing so, they applied my payment to a charge card of which I have NEVER had a charge card with them. The late charges kept escalating and negatively affected my credit options, credit score and credit worthiness. This even occurred when I was applying for a car loan, and the dealer stated to me that I could not be approved due to me being behind on my mortgage payments. The incorrect late charges were reversed, but the late charges remained. I asked my XXXX XXXX XXXX XXXX XXXX to research into this, and after the Congressman 's office did connect with them, they dropped all of the charges. The other glaring details were the terms of the agreement. I came to find out that when they refinancing occurred, they had me sign the documents, but did not mention that it was refinanced for over a 40 YEAR MORTGAGE! When the Congressman 's office asked about this part of the inquiry, thy stated that I signed the documents and pretty much, that was that. This has " haunted '' me for years and even now, when I look at the remaining balance from these terms, the math simply does not add up. I noticed the recent case with Fifth Third and due to several medical issues that I have had, need to get this resolved, checked into and a peace of mind. They just sent me a notice that they are handing over my mortgage to a different lender, and I am seriously concerned of the terms that this without any knowledge, etc. that this presents. The balance of what I still owe vs. the term length of all of these years still on the mortgage remaining, don't add up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: CA

Complaint narrative:
This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

Below is the account that I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/year> I recieved an email stating that XXXX approved payment for XXXX XXXX. I do not have XXXX or XXXX so I called my bank ( Citibank ) and notified them of the charges. They stated that no funds were actually taken and that completed the call. 

On XX/XX/XXXX, I recieved a phone call from someone named " XXXX XXXX '' ( XXXX, ext XXXX ) and he said he was from the Citibank XXXX XXXX Department. Since I had called Citibank myself I had no reason to believe that he was an imposter. He claimed that several attempts were made to compromise my bank account. He stated that my funds were safe and asked if I would be interested in helping to catch the criminal who tried to take funds from my account. Over the course of several days we spoke over the phone and he sent me two email addresses with IP addresses stating that multiple people were trying to obtain money from my account and that it seemed to be an " inside job ''. He even had me screenshare my mobile phone stating that this was to provide protection on my mobile Citibank account and mobile phone. " XXXX XXXX '' stated that in order to arrest the criminals I needed to send {$30000.00} as a international wire transfer and that once the criminal was caught the funds would be voided and I would receive my {$30000.00} back into my account. 

On XX/XX/XXXX XXXX called me and walked me through the steps on my phone to send the wire transfer to someone with the name XXXX XXXX. Within the next several days I NEVER received a phone call from Citibank alerting me of the transfer, to verify the person I was sending the money to, what for and to even question if this was an authorized transfer. Despite my calls over the days from XXXX XXXX XX/XX/XXXX I was still told by Citibank that everything was fine. 

On Friday XX/XX/XXXX, " XXXX '' assured me that my account funds would be returned and all would be well. After 2 weeks " XXXX '' told me that the person was captured and that I should see my funds back in my account soon. Two weeks passed and I became very skeptical and called Citibank again. The Citibank representative over the phone stated that he believed these phone calls were scammed and that I needed to immediately close the account.

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 2024-07-22 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: TX

Complaint narrative:
I am writing to formally express my deep concern regarding the disputed accounts currently listed on my credit report. Despite repeated attempts to address these inaccuracies, I have yet to receive any satisfactory resolution or corrective action. These errors are significantly impacting my credit profile, causing severe hardships and affecting my ability to manage my financial affairs effectively. 

The inaccurate accounts in question have tarnished my credit file and are unjustly impeding my daily life. Therefore, I urgently request your immediate assistance in conducting a thorough investigation into each of these disputed accounts. It is crucial that the necessary steps are taken promptly to rectify and update my credit report. 

I kindly ask that you initiate the investigation process without further delay and ensure that all erroneous information is corrected in accordance with the Fair Credit Reporting Act. Restoring the accuracy and integrity of my credit file is essential for me to regain control over my financial well-being. 

Your prompt attention to this matter is greatly appreciated. I look forward to your swift response and the resolution of this issue at the earliest convenience. 

Thank you for your cooperation and understanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2024-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I have been reaching out to Comenity Bank to have them remove debt that is not accurate, along with amounts that have been paid. Ive been promised letters via email and in mail. I have not received them. Its been over 2 months. This is regarding charge cards for Comenity Bank XXXX XXXX- this acct has XXXX balance and havent had a balance since last year but its being reports negative. Comenity bank - children place reward card- was paid in full but reported as a negative debt to collection. And Comenity Bank - XXXX XXXX XXXX  - zero balance and has been since XXXX. But has been reported as a negative effect to my credit. Ive called each card and even the banks main number and was told things will be removed. Nothing has been removed or updated from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC
State: FL

Complaint narrative:
Please accept this written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve Carvana breach of contract, violations of Truth in Lending Act ( TILA ), fraud, misrepresentation, tender of payment obligation, unjust enrichment. Carvana breached a contractual promise to loan and deliver the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX VIN : XXXX, on XX/XX/XXXX, from XXXX XXXX. This Letter of Intent to Sue serves as a formal and FINAL notice of our intent to file a lawsuit against CARVANA, LLC and XXXX XXXX. I completed the process from Carvana to buy a XXXX XXXX XXXX XXXX XXXX XXXX and paid {$38000.00} downpayment with added fees {$1500.00} for shipping of my new XXXX XXXX XXXX. Carvana cancelled my order and did not deliver the XXXX XXXX XXXX XXXX XXXX XXXX, and won't refund/Reimburse my money back. Carvana just kept my money, no car, no delivery, no follow up. Usually that's called stealing and is a crime. Attached, signed contract showing downpayment. This Letter of Intent to Sue serves as a formal notice of our intent to file a lawsuit against Carvana LLC and XXXX XXXX in federal court for breach of contract security agreement, Failure of consideration, violations of Racketeering, GAAP Fraud, security fraud, negligent and Civil liability for willful noncompliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Well, I went to the bank and told them that I lost my wallet which had my ID and my debit card, but they refuse to help me get a new car just because I showed them my work permit instead of my other ID, which is in the lost wallet

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: Freedom Mortgage Company
State: LA

Complaint narrative:
I requested printed copies of my and my wife 's phone calls with FM so I could review the information we had been given. 
I maintain that the company : 1 ) Gave incorrect and/or inaccurate information re : the loss mitigation options available to us. We were told one particular option was available, then weeks later were told that it was no longer offered/available to us. I have since learned ( through the VA loan guarantee service ) that it was never an option. 
2 ) Did not adequately detail the information they were requesting for us to provide. ex. " blank '' pages from bank statements 3 ) Took an inordinate amount of time to process loss mitigation applications. At least two times all paperwork was submitted and there was " nothing else '' for us to do. Only to receive a letter about six weeks later stating that new paperwork was required because some item ( s ) in the application had since " expired ''. 

As a result- of the unclear and inaccurate information I was given, and then the delays due to " expired '' paperwork- late/foreclosure fees continued to increase. I do not have an exact dollar amount at this time, but I believe it is in the neighborhood of $ XXXX - $ XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am a victim of identity theft I have inaccuracies on my credit profile including a bankruptcy account which violates my rights. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report. I did have a fraud alert on my account which credit Bureaus and or creditors refuse to follow my personal statement which was to VERIFY with me via phone!

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 2024-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
I have attempted to go online to my account many times to view statements and/or payments and how and when they were applied. They always say " we ran into a problem ''. I have sent an email requesting they update the online account so I can view it, to no avail. 

They are also saying that at the end of our loan, we will still owe money. The loan was to be paid off in XXXX but, over a year ago, we did an extension, due to some issues we had with our mortgage servicer and were unable to make the loan payments on our car. ( mortgage servicer said we were short on our escrow when, we in actuality, were not. We didn't figure out that they were indeed wrong, until after making several additional payments and were unable to pay our car loan on time. we had never been late with our car payment until we bought this house and the servicer kept screwing up our account. Regardless, we did the extension and they say we will owe money at the end in XXXX. I don't know if they added a bunch of additional fees or what but, Id like to see the payments, how and when applied and a running balance, and they are not available to me. I dont even know how the loan got pushed out to XXXX. The only extension I have relates to XXXX of this year.

Company response to consumer: Closed with explanation