vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-08 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX ar XXXX XXXX. I reached out to XXXX after discovering they have reported a total of 72 lates on my credit report ( 18 accounts showing late 4 times each ). I spoke to XXXX whom then transferred me to Supervisor XXXX. XXXX XXXX stated XXXX is sending proof of payments. A few days later I received a copy of my payment history XXXX sent me ( included in this submission ). The payment history shows a deferment ( this area is marked with a * on the payment history ) during the dates ( XX/XX/XXXX 90 days,XXXX  120 days, XX/XX/XXXX 90 days, XX/XX/XXXX 120 days ) XXXX reported me late. I called XXXX back and was told a law prohibits them from changing a credit reporting and I have to dispute with the credit bureaus. I proceeded to do just that the end of XX/XX/XXXX by sending the payment history received from XXXX with my request. The credit bureaus refused to correct the file giving the reason XXXX is verifying the incorrect reporting as being correct. I placed 3 more disputes there after while continuing to contact XXXX. Nothing was corrected. In XX/XX/XXXX I hired an attorney to assist with this issue. My attorney sent a letter ( attached ) to XXXX ( and ccd all three credit bureaus ) along with the payment history ( attached ) requesting the information be corrected. On XX/XX/XXXX XXXX replied ( attached ) they do not have to investigate 3rd party requests. I then received a letter from XXXX ( via mail ) on XX/XX/XXXX stating XXXX verified the current reporting as accurate ( again ). These late payments on my credit report is NOT accurate as evident in the payment history sent to me directly from XXXX. It is imperative this erroneous information is corrected ASAP as it is contributing to a great financial strain on my family.

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 2022-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I discovered that I was a victim of identity theft and promptly contacted the debt collection company by filling in their affidavid and supplying information that the debt did not belong to me. 

This was for unpaid apartment debt of {$7000.00} in XXXX Nevada, incurred by a person using my SSN and name. I have never lived, visited or have any contact in Nevada. As part of the information that I sent to National Credit Systems ( the debt collector ) on Friday XXXX of XXXX was a police report, and evidence ( utility bills ) of residence of my home here in XXXX XXXX California proving the debt does not belong to me. The information has also been sent by certified mail, to the debt collector. XXXX XXXX XXXX : XXXX XXXX XXXX. Today, XX/XX/XXXX I have received a threatening letter from XXXX XXXX XXXX XXXX XXXX, seeking to collect this debt from me despite her having in her possession documents that prove that the debt is a result of Identity theft, and stating that she has furnished information to credit reporting agencies. I have just spent the last few days working with these agencies to remove the false information to restore my credit rating and she is now reversing it downwards, in a threatening manner. This is clearly intimidation tactics to pay for debt that doesn't belong to me. The company is National Credit Systems , Inc XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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 — Was not notified of investigation status or results
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
I have an inaccurate 30 day late from an old Mortgage account ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX CA ) currently being reported on my credit. The account is paid/closed from XXXX with BSI Financial . This error has been reported by only XXXX as recent as XX/XX/XXXX. 
I've contacted both the creditor ( BSI Financial ) and the credit bureau ( XXXX ) about this discrepancy. Both have been non responsive to my request to correct the error on my credit. 

BSI requested a copy of my credit report which I sent them on XX/XX/XXXX. 
I've also disputed this error with XXXX because of all 3 bureaus they're the only bureau reporting this error as recent as XXXX. 
As I stated before this account has been paid and closed since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: OH

Complaint narrative:
Several attempts has been made to contact Synergetic Communications without success. Called during business hours on several occasions and reached a voicemail each time. Wrote a letter to Synergetic Communication explaining that this is not my debt of XXXX. This information that this collection company is not accurate and they have the wrong person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Was told I could not open a account with no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX / XXXX / {$7100.00} XXXX XXXX / XXXX / {$0.00} XXXX XXXX / XXXX / {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX / XXXX / {$7100.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$11000.00} XXXX XXXX / XXXX / {$0.00} XXXX XXXXXXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/2022 I was denied a 6,000 loan. I was denied based on my outstanding delinquencies on my consumer report and my ability to pay loan based on my other credit transactions. Those reasons are unlawful and discriminating. The law 15 U.S. Code 169 ( a ) states It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. A credit transaction is the repayment of money loaned or loan commitment made, or payment for goods, services, or properties sold or leased, is to be made at a future date or dates. So Upstart adverse action is unlawful by all means.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
The Synchrony Bank XXXX XXXX XXXX XXXXXXXX credit card has on their web site ( XXXX ) and I have received fliers in the mail stating that they have wireless cellular phone damage protection. When I tried to file a complaint through XXXX as stated on the web site, XXXX told me that I didn't have the benefit and that XXXX was probably doing a " bait and switch '' and just lying to me. They suggested that I take it up with XXXX. 

I then called XXXX. Four different operators and one supervisor stated that they had never heard of the benefit. I pointed out that it was on their web site and that I could send them a screen shot. The supervisor ( XXXX XXXX suggested that I call XXXX. I explained that I had already done that. She then called them for me with me on the line. After 35 minutes she just hung up on me. 

I then called back and the next operator said that she knew all about the benefit and that she thought I should have it. She didn't understand why XXXX would do that. 

I'm very frustrated that XXXX is advertising a benefit on their web site and then denying it. They are clearly promising benefits that they have no intention of delivering on.

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 2022-02-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX - Using a Capital One credit card, I bought an airline ticket for travel abroad through XXXX for {$310.00}. Purchased " priority customer support '' because the airline I was booking through has only XXXX language customer service and I needed English language customer service. 

XX/XX/XXXX - Called XXXX for customer service to help change the date of travel. After being hung up on twice, the representative told me that XXXX could not help and that I needed to speak with the airline directly. This was impossible because I do not speak XXXX and I never would have bought the ticket but for the promise of " priority customer support. '' I never used the ariline ticket and I told the XXXX representative that I would be unable to use the ticket. She did not care to help. 

XX/XX/XXXX- Capital One sent me a letter saying that my dispute was denied but inviting me to send additional information in support of my dispute. 

XX/XX/XXXX - I sent additional information to Capital One explaining how I was promised a service that was never provided to me and how I never would have bought the airline ticket through XXXX  but for that promise of " priority customer support. '' XX/XX/XXXX- Capital One notified me that it had not received the additional information needed and that it was therefore charging me for the service that I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX has engaged in a patern and practice of making false claims in response to notices of error. 

* With regard to a large principal payment I submitted at the end of 2021, XXXX XXXX XXXX failed to timely process the payment and delayed application of the principal amount for ~20 days ( while continuing to charge interest on the principal balance ). I filed a complaint with the Texas Deparment of Savings and Mortgage Lending. Resolution was negotiaed between myself, the regulator, and XXXX. XXXX acknowledged to the regulator over the phone that an error had occured and mailed me a {$50.00} gift card to compensate me for their error. However, despite acknowledging error to the regulator and providing me compensation to offset the error, XXXX later sent a letter dated XX/XX/XXXX FALSELY stating " no service errors occured. '' *More recently, XXXX XXXX XXXX missaplied funds included with a XXXX XXXX month end payment. I sent a notice or errors and XXXX  re-applied the funds. But, again FALSELY stated that " no service error occured. '' More specifically, XXXX falsely alleged that no payment instructions were included on the payment coupon ( there were in fact payment instructions indicated on the payment coupon ). But, more importantly XXXX failed to provide any copy of the payment coupon upon which thier determination that no error occured was based. Per 12 CFR 1026.36 ( e ) ( 4 ), XXXX has a duty to provide the borrower copies of documents used to reach a determination that no error occured. XXXX has not complied with this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm writing in hopes that Equifax can assist in reaching resolution in my multiple complaints. Ultimately, Equifax was never provided with consent from consumer, natural person, myself XXXX XXXX as outlined in 15 USC 1681b. Amongst several other violations, there is no legal authorization for Equifax to reflect this information. I understand that my information was included in the Equifax breach so at this time I have no confidence that any of the information on my report is being held to the standards at set forth by Federal law. 

Equifax please remove XXXX XXXX XXXX from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: NY

Complaint narrative:
Im in the process of loan modification after receiving forbearance under the carts act My mortgage company TMS ( the money source ) refuses to provide me explanations to the different types of options I have and have stated to me that foreclosure is my next option

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: GA

Complaint narrative:
XXXX XXXX XXXX is a collection agency for rental properties and has reported to my credit reports on November 21, 2019. I never received any correspondence from them about owning debt so I was not afforded the right to request validation of debt. When I got notice of collection on my report, I immediately sent a debt validation letter to said company.XXXX XXXX XXXX never sent me anything showing I owed the debt but they did send me a letter dating XX/XX/XXXX which stated the original amount of debt was and then the interest they added onto the debt to make total even more. According to the FDCPA, ( Section if a debt collector is attempting to collect on your debt, they need to do so according to the original contract you signed. This contract refers to the one you signed with your original creditor. Even though this debt was most likely purchased from the original creditor ( or someone else who had purchased it from the original creditor ), the terms are passed down through the chain of ownership. Therefore, a debt collector can not add fees to your debt without permission from the courts. This means that you will need to have a judgment placed upon you before any fees are added. I have not received any court judgements or any paperwork from XXXX XXXX XXXX stating they were able to add interest. I kept requesting proof of debt on multiple occasions since XXXX of XXXX and a letter dated XX/XX/XXXX I received another letter with even more interest and then a move out bill that had the original amount owed by original creditor but no contract of any sort stating I was the responsible party who owed this amount nor had my or creditors information on it. I asked again multiple times why interest was being applied and even the creditors contact info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX )/ XXXX / {$1000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Sent a letter to Experian on the XXXX of XXXX they received it on the XX/XX/XXXX at XXXX, Experian is not responding to me in a timely manner to fix this error on my account. There should be no late payment reporting on my credit report in accordance to 15 USC 1681b ( 2 ) which states that they shouldn't report a XXXX thing without my written permission because you guys a assumed a role that wasn't assigned to you. Read that again Written permission. Ignorance of the law is no excuse, there also shouldn't be a late payment in accordance to 15 USC 1666b anyway. 

This is in reference to the XXXX 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 explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
I borrowed XXXX from one main financial in XX/XX/XXXX. Then on XX/XX/XXXX I borrowed XXXX after the individual stated since my credit score was XXXX I'd only have an 11 percent interest rate which apparently isn't correct to one main financial its XXXX percent after reviewing the audit they sent I still owe over XXXX I've been paying monthly since loan began. Now I feel I've been lied to also had disability insurance and death on original loan which wasn't returned or refunded plus they refused to make 2 payments after I became XXXX due to injury.any help would be appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i make a dispute already for some transactions not make or authorized by me and bank of america denied my claim 2 times already

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 2022-02-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XXXX, I sent a letter regarding inaccurate and unknown inquiries on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage f and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation