vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I reached out to Synchrony bank pertaining to my overall accounts : Sams credit card, XXXX XXXX, Ashley Home card. I finally had a representative update my credit utilization to display accurately during the month of XXXX. After this discussion my utilization was showing 65 % which was inaccurate. I then seen my XXXX report was showing improvement after my score dropped across all three bureaus for at least XXXX points. Today, I received a notification on XXXX that I had an increase in utilization of 57 % for my XXXX XXXX  card which was a balance at beginning of month of less than {$1000.00} with limit of {$2200.00}. In which I made a payment of balance to keep utilizing low below 30 % on the XX/XX/XXXX and several others ensuring I wasnt late then another payment for same month XX/XX/XXXX for remaining balance that populated on the XX/XX/XXXX to ensure reporting by the XXXX was accurate and not reflecting negative to my credit utilization. I immediately contacted Synchrony again and the representative stated after speaking with her manager that they only reported for XXXX but confirmed reporting is sent on the XXXX and the payment I made wasnt applied yet which is 7 days afterwards. Consequently the company placed a hold on my payment that was released by XXXX  XXXX XXXX on XX/XX/XXXX and posted to my credit card dashboard on XX/XX/XXXX with a balance of XXXX. Ultimately the reporting for today should reflect 0 % utilization. The representative stated she understands but they reported XXXX not XXXX but in actuality it was already posted for XXXX in which you will see in my credit report that I disputed the utilization errors initially and was thankful I was sending this be resolved. Now I am seeing intentional treatment to fraudulent report accounting for my consumer account to credit bureaus to display me as a unworthy candidate for credit or authorization of it entirely. I am aware of reporting in arrears but not willing to have a creditor take my payment then hold it even when it was processed through the bank. That is intentional to undermine my credit worthiness

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 2023-08-24 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: MI

Complaint narrative:
SEE ATTACHMENTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXX ( Bank )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Select Porfolio Servicing received Hardest Hit Fund which is Government Funds in the total amount of {$60000.00}. The Funds were to be used towards the principle balance to assist the borrower.. Select Porfolio did not apply any funds to the principle balance which Select Porfolio Servicing failed to do so instead kept the funds. Where is the {$60000.00} that SPS finance received? The XXXX  assistance were supposed to be used for that purpose, thereby reducing the loan-to-value ( LTV ) of the first mortgage to no less than XXXX XXXX. This is done to help effectuate a recast of the mortgage, which lowers the monthly payment to better correspond to the market value of the home. XXXX assistance is paid directly to the loan servicer/lender for those homeowners deemed eligible to participate in the program. I was eligible for this program and Select Porfolio received those funds. XXXXXXXX XXXX XXXX XXXX has been informed and there is an open investigation as to where those funds went. SPS Finance is noncompliant as to where did the funds go and why weren't the funds applied to the principle balance. I will continue to file complaints until Select Porfolio Servicing or XXXX comply to what was done with the Government Funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete all inaccurate information that is hindering my credit report with Equifax. this has been an issue that needs to be resolved. checking the items none of the data listed is accurate on all XXXX credit files. this is violating my consumer rights. please review an remove all listed items to clear the items listed to correct my files asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX XXXX # XXXX from XXXX XXXX XXXX Located at XXXX XXXX XXXX. XXXX XXXX, CA XXXX. I rescinded the contract with the dealership on XX/XX/XXXX because the finance charge was not disclosed to me and I was told that must pay {$3500.00} XXXX  in order to drive off the lot with the car today. Also, after they charged me for DMV vehicle registration fees, the DMV has informed me that XXXX XXXX XXXX has failed to submit DMV registration paperwork beyond 90 days from the purchase date. As of today XX/XX/XXXX, the vehicles registration is currently expired/suspended due to a lack of title registration from XXXX XXXX  XXXX XXXX I believe that XXXX XXXX XXXX willingly and knowingly took advantage of my consumer credit. I was given deceptive and false information regarding the down payment and the finance charge was not disclosed to me. I made the vehicle available to them at my place of residence for them to pick up the vehicle, and they had a XXXX  Device tracking the vehicles location but they never came to pick up the vehicle from me.

I believe that this is a violation of 15 U.S. Code 1605, 15 U.S. code 1635, and 12 CFR 1026.4, because I rescinded the contract on XX/XX/XXXX and it has been beyond 20 days with no remedy from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Earnest Inc.
State: MD

Complaint narrative:
On XX/XX/2023, I received mail addressed to my minor son from Earnest XXXX XXXX XXXX. His name was not completely correct. Where are they getting his information? It concerns us that his identity is compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: CA

Complaint narrative:
On XX/XX/XXXX, my wallet was stolen from my work around XXXX and my Chase card was used for unauthorized transactions later that night around XXXX and around XXXX on XX/XX/XXXX. I filed a claim with Chase ON XX/XX/XXXX to dispute it and the dispute was denied on XX/XX/XXXX. These transactions were denied, but these transactions were not authorized by me. 

1. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : {$10.00} 2. 
XXXX XXXX XXXX # XXXX XXXX XXXX CA XX/XX/XXXX : {$18.00} 3. 
XXXX - XXXX XXXX XXXX CA XX/XX/XXXX : {$27.00} 4. 
XXXXXXXX XXXX XXXXXXXX CA XX/XX/XXXX : {$50.00} XXXX. 
XXXXXXXX XXXX XXXX XXXX CA XX/XX/XXXX {$61.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
SC Housing is showing 120 days late for 17 months. The account still shows open and has been paid off since XX/XX/XXXXXXXX XXXX It still has a balance on the account. all of XXXX it reported me late and I have documents stating that I was current for that year. On my report it shows I was late XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX the account was already paid off by then.

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 2023-08-24 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: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Credit collection agency reporting medical bill due. I did not have XXXX XXXX XXXX XXXX  this year. They show I had XXXX  charge in XX/XX/2023. I did not go to XXXX XXXX and I have medical insurance anytime I go to XXXX. They are incorrectly showing collection and date of balance. They are violating FCRA rules of reporting medical collection before 365 days have past and I do not owe debt. In addition, they are violating my HIPAA rights. If it was for treatment on some other date, they have failed to provide information and bill, more importantly billed my health insurance.

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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My Identity was stolen by a " ring '' of thieves who shared it amongst themselves and opened XXXX credit card accounts in my name. I already had XXXXXXXX XXXX XXXX  in place but had to call them that someone had opened an account in my name. 
I heard on the radio that claims made by credit cards have to be resolved in 60 days or that they have to drop the claim. This started in XX/XX/XXXX and XXXX says it takes a very long time, although some have been resolved. 
Since it has been over 270 days should my credit be cleared by now??? 
Also we were waiting for 2 years of tax returns from the IRS who said it was because of being understaffing during XXXX. Then, just when they said I was going to get it, my wife reported this ID theft and they put the brakes on me getting my return. They say that XXXX has to give the " all clear '' or some kind of XXXX for them to release it. Never mind I got my XXXX return just fine. Since I am a truck driver with a real ID Commercial Driver 's License, can the IRS be ordered to release my funds with my XXXX and an expired passport? I don't understand how I am guilty until I prove my innocence with these credit card banks that handed out cards in my name like candy w/o doing their homework.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: CA

Complaint narrative:
These accounts are not mine. I need these accounts removed from my credit report immediately.

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 2023-08-24 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: TX

Complaint narrative:
I have been a victim of identity theft. Transunion violated my rights and shared, furnished, and sold my non-public information without my consent. This is deemed identity theft. Please remove these items ASAP : XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXXXXXX Acct # XXXX, XXXX XXXX Acct # 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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
They list my dwelling as a multi family dwellingand it is not, they wont tell me where they got their informationit is WRONG. 
I own 4 acres and a house on that 4 acres, but I live down a Private county roadand they signify it by lot number, Im # XXXX Please HelpExperian wont even answer the 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 2023-08-24 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: DISCOVER BANK
State: CA

Complaint narrative:
My name is XXXX XXXX, and my current Discover card account number is XXXX XXXX XXXX XXXX. I have experienced unauthorized and fraudulent activities on my account, and I am seeking your assistance in investigating and resolving this issue. 
The unauthorized transactions in question occurred as follows : 1. On XX/XX/XXXX, an amount of {$2500.00} was charged to my Discover card ending in XXXX. 
2. On XX/XX/XXXX, another unauthorized transaction amounting to {$2900.00} took place. 
3. On XX/XX/XXXX, a third unauthorized transaction occurred, totaling {$2200.00}. 
I wish to emphasize that these transactions were conducted without my authorization or knowledge. I have not shared my card details or approved any such transactions. It appears that my identity was compromised, and the fraudulent activities were carried out by an unauthorized individual. 
In addition, I suspect that the One-Time Password ( OTP ) codes required for approval of these transactions were sent to a phone number other than mine, specifically to ( XXXX ) XXXX which I havent been using for a long time. I do not utilize this phone number for any financial transactions, and I believe that my phone number might have been compromised in the process. It is my concern that the perpetrator may have exploited this situation to create fake XXXX accounts and subsequently misuse them for fraudulent purposes. 
My daughter was always managing my payments so I wasnt aware that my cards were fraudulently swiped by someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
{$600.00} of purchases from XXXX were bought on my XXXX card. But when I got a Pay Pal bill, via Synchronomy bank, I had also been charged by them. After a number of calls, a bank officer, very nice lady, called me and said they had foundf the mistake and would re-imburse me. She advised a cfredit of {$250.00} would appear on my next bill. I asked about the rest, and waas informed thesir company polic was {$250.00} max per reimbursment, but t hat t h e rest would be forthcoming. that was in XXXX. I have sent letters to e v ery address I discivered, and can't even get a call back or message of any sort. The amount may serem small, but I'm a partialy XXXX XXXX XXXX XXXX living on SS and a {$280.00} pension -- -it means a bit to 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 explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: GA

Complaint narrative:
I have tried making multiple monthly payments on my credit line with Grain and also tried to pay the Service Charge they are requiring me to pay to even withdraw from my credit line and their website or app will not submit the payment. Ive reached out to customer service via email XXXX times in the past 2 months to get the issue resolved and they keep telling me its a banking connection issue. It takes 4 or 5 days for someone to even respond to my email, and even then its just a generic response, you cant call anyone, you cant chat with anyone and you cant get any issues resolved but they are saying Im still responsible for making the minimum payment or reflects negatively on my credit report. How can I make a payment if their app wont let me? How can a company that offers lending not have a customer service option you can talk to? My account has been set up on auto pay since I opened the account and yet they have not auto deducted the payment this month but customer service says Im still responsible for getting the payment made. The CFPB needs to step in with this company and file a class action and sanctions against grain for taking advantage of the people and not giving them reasonable options to contact support and get issues resolved and make timely payments. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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:
In Accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX XXXXXXXX : # XXXXXXXX XXXX : # XXXXXXXX XXXX : # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-08-24 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:
In Accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXXXXXX XXXX XXXXXXXX : # XXXXXXXX XXXX : # XXXX XXXX : # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I WAS SCAMMED THRU XXXX. I PURCHASED CONCERT TICKETS XX/XX/2023 TOTALING {$700.00} AND NEVER RECIVED TICKETS. I CALLED WELLS FARGO BANK TO REPORT THE SCAM IMMEDIATELY AND FILED A CLAIM # XXXX. NEVER RECIVED A RESPONSE OR CALLBACK. I CALLED BACK TO ESCALATE MY CLAIM TWICE!! AS OF TODAY XX/XX/XXXX THERE IS NO RESPONSE OR RESOLUTION. 
WELLS FARGO 'S TERM AND CONDITIONS STATE THEIR CUSTOMERS HAVE ZERO LIABILITY PROTECTION. THERE IS NO MENTION IN WELLS FARGO TERMS AND CONDITIONS THAT XXXX TRANSACTIONS ARE NOT COVERED WHEN CUSTOMER IS SCAMMED. EVERY TIME I CALL I JUST GET THE ROUND AROUND THAT THEY ARE WORKING ON IT. I ASKED THEM TO REFUND MY {$700.00} AND THEY REFUSE.

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 2023-08-24 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: NY

Complaint narrative:
This account is inaccurately reported as opened in XX/XX/ on my credit report. There is also conflicting account information & status. I have asked repeatedly for specific account info including payoff balance & any & all information to be sent to MY home address. XXXX refuses to comply with my requests. I believe it is the lender responsibility to provide me with timely & correct information on this account. My sole source of information comes through disputes & credit reports. I have repeatedly stated that I want to assume full responsibility for this loan & to protect my personal credit.

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