vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-08 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am remodeling my kitchen and the total cost exceeds {$25000.00}. I applied for a Lowes credit card, issued by synchrony bank, in late XX/XX/. I was approved for a credit limit of {$4000.00}. I mailed a check from my personal bank account for {$21000.00} and synchrony bank cashed the check on XX/XX/. It cleared my bank account on XX/XX/ XXXX  The funds were not available right away, so I charged close to the {$4000.00} limit on the card and paid for my cabinets from Lowes on my XXXX card. This left a large credit balance since I was unable to use my Lowes card for my cabinets and countertops as I had planned. A few days later, synchrony bank closed my Lowes card stating that the transaction was possibly fraudulent. The closure of the account trapped my credit balance refund on the card and even though I have asked several times for a credit balance refund, synchrony bank refuses to return my money. They act as if I am a criminal when I was just trying to make one payment to my credit card to cover my entire kitchen project. If they had kept my account open, I would have purchased new countertops and new appliances, using part of my credit balance up in the process. Synchrony bank will only communicate with me by letters sent via US Mail, which take weeks to get to me, delaying my responses. I can not respond to a letter request until I get it in the mail. I sent a secure email message to synchrony bank with the check image proving it had cleared my bank, but they refuse to accept it. I also had my bank fax over a copy of the same check, hoping if synchrony bank had proof directly from my financial institution, it might move things along. Synchrony bank claims to not have either copy. I am being forced to provide copies via US Mail, which means I have to wait weeks for my refund. The bank is purposely delaying the return of my money for no valid reason. I am paying interest on my other credit cards because I need that money to pay the other creditors off. It has cost me over {$500.00} in interest so far. I am very angry that synchrony bank is doing this to me. I had an Amazon Store Card issued by synchrony bank for almost 10 years, so I was already a customer of synchrony bank. I paid that card faithfully, in full every month with XXXX late payments. That alone should show that I am a trustworthy borrower. I have just today closed my amazon store card. I refuse to give synchrony bank and more of my money. They have lost my trust and they will never get it back.

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 2023-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken

Complaint narrative:
I experienced a situation very similar to the one described in the post below, where my funds were stolen from my Kraken account : https : XXXX XXXX XXXX XXXX XXXX XXXX I received no notifications about the unauthorized access, and I found it concerning that two-factor authentication ( 2FA ) wasn't required for fund transfers. Some comments in the linked thread suggest the possibility of an inside job, and I share that suspicion. It's incredibly challenging for someone to simultaneously acquire both my password and access to my mobile phone for generating 2FA codes every 30 seconds. Also phone was rechecked for any malware and similar, by specialist and was found none.This phone I use only for 2FA.

After a week of my account being locked, Kraken only provided me with the IP address from which the account was accessed and the date of access. Kraken typically records all login activities within their web interface, but strangely, this particular login was not documented. Kraken seems quick to act when it comes to emptying an account through cryptocurrency transfers, but when it comes to trying to retrieve funds, it's a different story. 

Local law enforcement has been unhelpful in this matter. I managed to trace my funds to a XXXX account and provided XXXX with transaction logs, which confirmed the transfer to their exchange. However, XXXX has been uncooperative, and local law enforcement hasn't taken any action, even though the account responsible for this theft generates over {$100000.00} daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 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: MA

Complaint narrative:
I am writing to bring to your attention a matter of concern regarding incorrect information on my credit report held by Equifax. On XX/XX/XXXX, I contacted Equifax regarding the following inaccuracies in my credit report. To date, I have not received any response from them. I am providing the details of the inaccuracies and the necessary corrections required : The account with the following details was never late : Creditor : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Please correct/update this inaccurate information on my credit report. 

The account with the following details was never late : Creditor : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$21000.00} Please correct/update this inaccurate information on my credit report. 

The account with the following details is not mine : Creditor : COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} Original Creditor : COLLECTION Please remove it from my credit report. 

The account with the following details is not mine : Creditor : COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$960.00} Original Creditor : COLLECTION Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Central Portfolio Control Inc.
State: OH

Complaint narrative:
Central Portfolio says I owe a delinquent acct. Amount of XXXX that was posted on XX/XX/2023. It also said the age of Acct. Is 2 months old. I have no idea what that could be from. Also, XXXX XXXX XXXX says I have a delinquent acct. Balance of XXXX age of Acct. 3 years and 5 months. The Lender info is XXXX XXXX XXXX XXXX. I would like to dipute both of these because they should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have contacted the 3 credit reporting agencies several times, the agencies are putting information on my credit report without my permission. They are violating 15US code 1681c-2a consumer reporting any information in the file of a consumer identities as information that results from an alleged identity theft. These accounts should NOT be furnished on my consumer report as they are in violation under 15 US code1681b permission purpose of consumer report ( a ) in general subject to subsection ( c ) any consumer report agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT is IDENTITY THEFT. As Consumer, Iam demanding the deletion of the accounts listed 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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I have contacted the 3 credit reporting agencies several times, the agencies are putting information on my credit report without my permission. They are violating 15US code 1681c-2a consumer reporting any information in the file of a consumer identities as information that results from an alleged identity theft. These accounts should NOT be furnished on my consumer report as they are in violation under 15 US code1681b permission purpose of consumer report ( a ) in general subject to subsection ( c ) any consumer report agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT is IDENTITY THEFT. As Consumer, Iam demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 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: OneMain Finance Corporation
State: SC

Complaint narrative:
I obtained a refinance auto loan with one main financial ( OMF ) in XXXX at $ XXXX at XXXX monthly. Now XXXX years later in XX/XX/XXXX, they are still aggressively trying to collect and repossess the vehicle, even though I have paid roughly $ XXXX or 200 % on the loan. The vehicle due to natural depreciation has little value in comparison to the balance due. The last statement I received in XX/XX/XXXX showed an ending balance of $ XXXX. I spoke to a representative who told me my original loan maturity date was XX/XX/XXXX but it will be another 3 years of payments to resolve this account. I feel like I was defrauded and not made fully aware of the interest & payment application of this loan. I requested a history of my account in XXXX and in review, the majority almost XXXX % of most payments have been applied to interest. I have requested many times to cancel this loan, when the car had value and OMF refused and bartered with a payment arrangement. I don't feel that the balance due is a true and accurate reflection of what I owe and this account should be resolved. OMF is taking advantage of customers and it feels illegal and extremely deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I took out personal loan from XXXX on XXXX of XXXX for {$10000.00}. I made in time payments on XXXX of month until XX/XX/XXXXXXXX XXXX 
I was contacted by XXXX XXXX in XXXX of XXXX that my interest rate was too high, and they could negotiate settlement and cut payment term years in half. 
I started making payments of {$270.00} on XXXX of each month to XXXX to the negotiation and towards settled amount when it was final. 
on XX/XX/XXXX, the amount of {$1000.00} was settled for $ XXXX.as of today, I have made on time payments to XXXX  and @ ) XXXX has been paid to settlement amount. 
XXXX still reports wrong amount of {$10000.00} still active, and reports XXXX, 120 days late. I have repeatedly filed dispute with Experian and XXXX XXXX, but XXXX still reports wrong amount and late payments.

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 2023-10-08 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: NJ

Complaint narrative:
Experian is Reporting a inaccurate Address on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX of 2023 and on XX/XX/XXXX, I requested an increase on my XXXX credit card, an increased credit amount on my XXXX  XXXX XXXX Credit card, a car loan from XXXX XXXX, and a credit card with XXXX. Experian is reporting that " Proportion of balances to credit on bank/national revolving or other revolving accounts is too high, Amount owed on revolving account is too high, and length of time accounts have been established '' are false/inaccurate statements showing on my credit report. And according to Title 15 subsection 1611, False and misleading denial of credit, this is illegal. I was sent a letter of my denial with unexplained and misinformation attached to the reasons for a denial. 
Because of the misinformation and disinformation, Experian has caused several denials to credit and loans.

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 2023-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: PA

Complaint narrative:
Waiting on pslf application to be processed with Mohela. Submitted on XX/XX/23

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have absolutely no knowledge of these hard inquiries, 1. from CITIBANK BEST BUY ( Television & Radio ) Date : XX/XX/XXXX XXXX ( BANK ) XX/XX/XXXX XXXX. XXXX XXXX  XXXX ( BANK ) XX/XX/XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: Nelnet, Inc.
State: NC

Complaint narrative:
Nelnet keeps trying to pursue collections despite XXXX XXXX filing on XX/XX/2023 in NC XXXX XXXX Bankruptcy Court in XXXX, NC. The case number is XXXX. 

I am represented by legal counsel in this matter. My lawyer is XXXX XXXX of XXXX XXXX XXXX, XXXX in XXXX XXXX NC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern, I received my credit report and I have found unauthorized credit inquiries listed that are not related to any transactions by me. XXXX XXXX XXXX  XX/XX/2022 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached an FTC report with fraudulent unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached an FTC report with a fraudulent account and fraudulent unauthorized 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 2023-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This debt arises from a XXXX account that was canceled in NJ before my move to FL. I canceled the account in XXXX XXXX. The debt arises from utility usage from XXXX XXXX to XXXX XXXX. While the account was active and I was living in NJ the account was paid through XXXX bill pay site. After XXXX XXXX no additional bill was presented for payment on the bank site. No e-mail, paper bill or phone call was received. 

The first contact about this delinquency was made in XXXX when a different collector contacted me by phone. I responded with information that I moved to FLA and canceled the NJ account in XXXX XXXX. I never heard from that agency again, who indicated they would further investigate the situation. 

On XX/XX/XXXX I was texted by XXXX that I had an account in collections. I went to the XXXX site and pulled up the information. I contacted the agency, IC System , IncXXXX, who did not attempt to call me on the phone ( I still have the same phone number ), mail, or e-mail. I explained that this is a recurring error, they told me the debt would remain on my credit report until I paid the debt. I paid the debt that does not belong to me to avoid further damage to my credit. This company unethical collection tactics by reporting the erroneous debt to credit agencies without speaking with me or investigating the debt. They not only threatened to report the erroneous debit, they actually reported it without contacting me. I am now spending numerous hours to fill out disputes and enter statements with my creditors. I am getting e-mails and phone calls from debt repair agencies and my credit score dropped over XXXX points! 

The agency indicated it would take XXXX to XXXX  days to remove the collection from my credit report after I satisfied the debt. If no payment, the collection would remain. They were unwilling to further investigate the original error made by XXXX. The account was canceled so long ago l ( almost XXXX  years ) that I no longer have any of the account information or anything I did with the original agency to dispute that the account was active after XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one closed my accounts on XX/XX/XXXX without any prior notification or communication. I paid my accounts on XX/XX/XXXX but unknown to me the accounts were already being closed. I called capital one on XX/XX/XXXX and this is when they informed me that my accounts are closed due to excessive misuse of the card. To my knowledge, my payments were always scheduled, sometimes in advance, to cover majority of my balance. I asked if they sent any communication on this closure and I was informed they sent a letter out on XX/XX/XXXX which means it wouldnt have been received for another few days or so. The lack of communication is going to result in damaged credit on my behalf due to these accounts being my longest standing accounts. I have no communication from capital one to be able to attach to this inquiry because I have not received any.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
All three major credit bureaus I have over 30 plus inquiries on my report! This is outrageous. I have called them and told them several times that I did not give permission to any of these companies to receive my credit. Not only that but I also put freezes on my credit and Im yet still receiving information that several car places are running my credit as well as loan companies. I have not tried to run my credit for either thing. Someone is illegally allowing this to happen. I want all inquiries removed at once!!!!

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 2023-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XXXX I sent multiple disputes letters to transunion and call creditors listed to report I retrieved a copy of my credit report and discovered that transunion has a total of 5 inquiries that I have no knowledge of. I asked to do a full complete investigation with a removal of all XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX I did not authorized any transaction to be made 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 2023-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XXXX I sent multiple disputes letters to transunion and call creditors listed to report I retrieved a copy of my credit report and discovered that transunion has a total of 5 inquiries that I have no knowledge of. I asked to do a full complete investigation with a removal of all XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX I did not authorized any transaction to be made 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