vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-16 00:00:00
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
There was a car rental in XXXX where I was given a different car than what I purchased for the rental. This was after the contract was filled. I have tried for years to get XXXX to properly investigate and credit me for this. They always say they will respond, they are checking, they are reviewing, but they double-billed me for a charge that should have NO billing at all. They are breaking their own T+C, and the law, by aiding and abetting criminal fraud ( the rental counter took my card without my consent to ring up the charge ) in order to increase their profits and " mitigate risk. '' They have also deleted private messages I have shared with XXXX about this, which is illegal as they then say they never received my messages. But I have screenshots. Anyone else who has been through this issue can feel free to contact me to discuss.

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 2023-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
HAVE REACHED OUT TO THE DEALERSHIP ABOUT THIS ISSUE.I JUST FOUND OUT THAT I AM BEING CHARGED A PER DIEM RATE IN THE AMOUNT OF 9.22 % IN ADDITION TO THE 8.25 % XXXX. ALSO I ASKED FOR AN EARLY PAYOUT QUOTE. THE QUOTE WAS FOR THE TOTAL DUE AS IF IT WAS FOR THE FULL TERM. WHICH INCLUDES INTEREST RATE. I MADE AN EFFORT TO SPEAK WITH THEM TODAY AND THEY REFUSED TO SPEAK TO ME BECAUSE I AM ONE DAY LATE MAKING MY MONTHLY PAYMENT. A PAYOUT QUOTE SHOULD NOT BE THE SAME AMOUNT FOR 75 MONTHS IF I HAVE ONLY HAD THE CAR SINCE XX/XX/XXXX. 

THE PER DIEM CAME TO MY ATTENTION AGAIN ON YESTERDAY WHEN I WENT TO SEE IF I COULD TRADE IT IN FOR A XXXX TO GET A CHEAPER RATE. XXXX XXXX STATED THAT SOMEONE SCREWED ME OVER ON THE PREVIOUS DEAL AND THAT I AM OVER {$24000.00} IN NEGATIVE EQUITY IN THE XXXX XXXX BECAUSE OF THE PER DIEM ON TOP OF THE YEARLY 8.25 % INTEREST RATE. 

I AM PAYING OFF THE XXXX THAT I PREVIOUSLY OWNED AND THE DEFECTIVE XXXX XXXX. I WAS CLEARLY UNDER THE IMPRESSION THAT I WAS CARING OVER THE NEGATIVE EQUITY OF THE CAR. 

IF YOU LOOK AT THE CONTRACT THERE IS NO MENTION OF HAVING TO PAY A DAILY PER DEIM FEE IN THE AMOUNT OF {$9.00}. I WOULD HAVE NOT AGREED TO THESE TERMS. IT IS THE SELLERS LAWFUL DUTY TO PROVIDE ALL COST THAT IS TO BE PAID IN THE CONTRACT. THE CONTRACT THAT I HAVE IN HAND DOES NOT MENTION, LIST, OR STATE DETAILS OF A PER DIEM. 

IN ADDITION I WAS UNDER THE IMPRESSION THAT XXXX XXXX WAS PAYING OFF MY XXXX XXXX XXXX AND I WAS GOING TO BE UPGRADED TO A XXXX XXXX XXXX, IN XXXX OF XXXX. AFTER HAVING THE CAR LESS THAN TWO WEEKS THE PAINT STARTED TO FAIL. THE CAR WAS IN THE SHOP FOR 28 DAYS. AFTER RECEIVING THE CAR BACK THE PAINT WAS STILL WITH DEFECT, IN XXXX OF XXXX THE SUNROOF FAILED TO OPEN AND CLOSE PROPERLY. I TOOK THE CAR TO XXXX XXXX WHO GAVE ME A RENTAL CAR WHILE THE SUNROOF WAS BEING REPAIRED. XXXX THE SALES PERSON STATED, " THIS CAR IS GIVING YOU TOO MUCH PROBLEMS. WE ARE GOING TO GET YOU OUT OF IT. '' BY XX/XX/XXXX, I WAS IN A XXXX XXXX XXXX XXXX. I WAS HAPPY WITH THE CAR BUT WAS NOT AWARE THAT THE DEALERSHIP HAD CARRIED OVER NEGATIVE EQUITY FROM THE XXXX XXXX, I WAS UNDER THE IMPRESSION THAT I WOULD BE EXCHANGING THE CARS BECAUSE OF THE DEFECT IN THE PAINT AND SUNROOF.

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 2023-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I seen an add on XXXX for an apartment the was for rent. They told me that once I sent the security deposit of XXXX $ they would send me the keys. I sent the money and they only sent me a lease agreement. They told me they lost the keys and that they would send me the keys once I sent first months rent of another payment of XXXX XXXX XXXX  I was skeptical but sent the money anyways. They then told me that they never received the rent money and that they would just refund me the security deposit since everything was getting complicated. I contacted my bank ( Chase ) who said that both transaction were completed and successfully sent. They never sent any money back never sent any keys. I contacted my bank and told them I was scammed and that I could provide proof. They told me there was nothing they could do for me because I authorized the transactions, even if I had proof of being scammed by this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-16 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Accounts : XXXXXXXX XXXX XXXX XXXX XXXX MISSED PAYMENTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX  MISSED PAYMENT 15 USC 1681 SECTION 602 states I have the right to privacy.

15 USC 1681 SECTION 604 SECTION 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC code 1681a states Defintions ; rules of construction - Exclusions. -- Except as provided in paragraph the term " consumer report '' does not include -- any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B states - A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

THE FCRA ALLOWS 30 DAYS FOR THIS TO BE RECTIFIED.

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 2023-06-16 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: Professional Collection Service Inc (GA)
State: AL

Complaint narrative:
I discovered multiple inaccurate accounts reporting after checking my credit report on XX/XX/2023. These companies received documentation that these were erroneous charges being reported due to identity theft and still did not act to remove the accounts/funds in question from my credit report ; this has caused emotional strain and has been highly time-consuming for me to continue to request that these accounts be removed. I want penalties against the companies involved for failing to investigate identity theft claims and for the emotional stress this experience has caused. The following companies were unable to verify the information given to them : XXXX Account # : XXXX Past Due Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$1300.00} XXXX XXXX Account XXXX : XXXX Balance : {$0.00} XXXX XXXX Account XXXX XXXX XXXX Balance : {$0.00} XXXX Account # : XXXX Balance : {$31000.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: PNC Bank N.A.
State: AL

Complaint narrative:
I discovered multiple inaccurate accounts reporting after checking my credit report on XX/XX/2023. These companies received documentation that these were erroneous charges being reported due to identity theft and still did not act to remove the accounts/funds in question from my credit report ; this has caused emotional strain and has been highly time-consuming for me to continue to request that these accounts be removed. I want penalties against the companies involved for failing to investigate identity theft claims and for the emotional stress this experience has caused. The following companies were unable to verify the information given to them : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: TX

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. 


Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX  Account XXXX Account name : XXXX  XXXX XXXX Account NumberXXXX Account name : XXXX Account Number:XXXX Account name : XXXX Account Number:XXXX Account name : XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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.

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX Account XXXX Account name : XXXX XXXXT Account XXXX Account name : XXXX  XXXX XXXX Account Number:XXXX Account name : XXXX Account NumberXXXX Account name : XXXX Account Number:XXXX Account name : XXXX Account Number:XXXX  has violated my rights. Or list of inquiries 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.

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 2023-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Deferred Interest promotion with XXXX 's was not upfront about the way balance would be paid. Instead of the payments always going toward the first balance, they split the payments making it so the promotion would expire and you would acrue 28 % interest starting at the beginning of the loan. If you wanted to allocate a certain way then you would have to call them but verbiage makes it seem like you would only need to do that if you wanted to change the way it was being charged. We did not use the card for at least the first year so there was no reason the think that our budgeted payments would not be sufficient. Payments should be first in first paid unless requested otherwise, not " reallocate where we want unless you tell us otherwise ''. Statements are not intuitive and not transparent and XXXX 's employees were not clear. This is a shady practice that is meant to catch people off-guard instead of making the process comsumer friendly.

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 2023-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I surrendered the home in my divorce in XXXX. My ex-husband was not able to refinance the mortgage and fell behind. Several lawyers advised me that I would have to file bankruptcy to prevent the mortgage company from attempting to collect the debt. The bankruptcy was XXXX in XXXX, including that mortgage. That account showed " included in Bankruptcy '' until earlier this year when ShellPoint Mortgage acquired the loan. A new open mortgage appeared on my account showing missed payments, and in foreclosure. The account was listed as an open, individual loan in my name for that property on my credit report. 

I contacted ShellPoint and spoke to Loan Mitigation XXXX XXXX XXXX. She informed me that filing bankruptcy did not do anything to keep me from being liable for that debt, and that the company could legally report the information on my credit report. She said that the information would remain until my ex-husband made 3 trial payments and they received a copy of the divorce decree and quitclaim deed. I also spoke to a gentleman in Account Services about the incorrect information on my credit report. I advised him that the account should show closed and the comment should state " XXXX in bankruptcy ''. He said that they would not remove the information and that they had every right to collect on the debt, even if I had released it in bankruptcy. There was a notice before that call that it was a recorded conversation. 

I have repeatedly sent the certified divorce papers and quitclaim deed. XXXX continued for several weeks to say they have never received them. Today she has claimed that they received them, but they have to make sure that it " suffices to remove me from the loan ''. Also, she continues to claim that payments haven't been made, despite proof my former spouse has provided that the money was sent and withdrawn from his account. 

ShellPoint has blatantly violated Federal Bankruptcy laws as well as the Fair Credit Reporting Act. They have bullied me and outright lied about my rights as a consumer in an attempt to collect a debt that was XXXX in bankruptcy. They have provided inaccurate information to the credit bureaus to be filed on my credit report, and refuse to remove it. They hold my credit XXXX while they attempted to collect a debt from my former spouse. I have filed disputes with the credit bureaus, but the disputes cam e back that ShellPoint verified that the information was correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-06-16 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: IL

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. 

Account name : XXXX XXXX XXXXccount XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXXXXXX Account XXXX Account name : XXXX  Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX  Account XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 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: Experian Information Solutions Inc.
State: IL

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. 

Account name : XXXX XXXXXXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXXXXXX Account number:XXXX Account name : XXXX Account numberXXXX Account name : XXXX XXXX XXXX Account number:XXXX  Account name : XXXXXXXX XXXX XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 2023-06-16 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: AL

Complaint narrative:
I discovered multiple inaccurate accounts reporting after checking my credit report on XX/XX/2023. These companies received documentation that these were erroneous charges being reported due to identity theft and still did not act to remove the accounts/funds in question from my credit report ; this has caused emotional strain and has been highly time-consuming for me to continue to request that these accounts be removed. I want penalties against the companies involved for failing to investigate identity theft claims and for the emotional stress this experience has caused. The following companies were unable to verify the information given to them : 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

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 2023-06-16 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: AL

Complaint narrative:
I discovered multiple inaccurate accounts reporting after checking my credit report on XX/XX/2023. These companies received documentation that these were erroneous charges being reported due to identity theft and still did not act to remove the accounts/funds in question from my credit report ; this has caused emotional strain and has been highly time-consuming for me to continue to request that these accounts be removed. I want penalties against the companies involved for failing to investigate identity theft claims and for the emotional stress this experience has caused. The following companies were unable to verify the information given to them : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation