vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
I had a payment due on my line of credit with Arvest Bank on XX/XX/2023. I went into the Arvest Bank located at XXXX XXXX XXXX XXXX on XX/XX/XXXX and made the payment. I was issued a receipt showing the payment was made. A few days later I received a past due notice, followed by a phone call from Arvest 's collection department. I returned the call and let them know when and where I had made the payment. The rep researched it while I was on the line and said the payment had been misapplied and she would get it corrected. I few days later, I received another notice stating that I was past due and charging me a late fee. I contacted Arvest Bank yet again to fix the issue. I was informed this time that the person correcting the initial error had also messed up and applied the payment to the wrong loan. I was told that the second mistake would also be corrected, that I would have all fees refunded, and that I would receive a call back later that day when it was fixed. I did not receive a call back, so I followed up the next day. I was told the process was still in review and that I would be getting another call back when it was completed. By this time, my next month 's payment was due, but I wanted to ensure that this was processed correctly before making another payment which may also be processed incorrectly. I received a follow up call stating that everything was fixed, that all payments were now showing correctly, and that I did not show to have a past due history with the bank. I asked for confirmation in writing in the form of an updated billing statement reflecting my XXXX payment being made on time and no late payments reflecting on my credit history. I was told that was not available but a teller could print an account history for me at the branch. I then went to the branch and made my XXXX payment, thinking the problem had been resolved. I have now received another notice in the mail stating that my loan is 30 days past due and that it could be reported on my credit. Repeated phone calls to rectify the situation have fallen on deaf ears. All I have asked is that the payment be corrected, all late fees be waived, that the records be updated to reflect that all payments have been made on time, and that I receive a letter acknowledging that the past due notices, late fees, and phone calls were due to an error of the bank and that this will in no way be reflected on my credit. As of today, Arvest Bank is refusing to do that.

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 2023-08-18 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: NY

Complaint narrative:
XX/XX/2023 - I went to Lowes to buy fencing. I see advertising for their store card saying 20 % off your first order on your Lowes credit card. So I decide to go home so that I can unfreeze my credit in order to apply for the card. I apply for the card and all it says is 20 % off your order. I am immediately approved for the card. I put all the items into my cart and check out using the discount code emailed to me. The email is my temporary card details and says in big font 20 % off. Nowhere on the email does it say there is a limit on the discount of {$100.00}. The limit of {$100.00} was not made expressly clear anywhere throughout the process. 

Had I have known there was a limit of {$100.00} I would never have opened the card or used it to pay for the items. I would have used one of my other credit cards that has actual benefits and points. This now means I opened up a credit card I did not want, was not advantageous and has falsely advertised the benefits meaning I missed out on really benefits of a card I already own. 

XXXX  - I called Lowes credit to complain about this on receipt of my items and seeing that I was charged the full price less {$100.00}. They told me that the only thing I could do is drive to the store that the items were ordered from ( quite far away ) and see if they could possibly refund me the whole amount so that I could pay on another preferred card. I call Lowes customer service and they said it was unlikely that this is actually possible as the order has been already fulfilled.

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to freeze and unfreeze my credit with Experian. It will not allow me to use my username. When I hit, forgot username, it requests my social security and birthdate. Then it shows a prompt that says : Your user name has been sent to the following email : XXXX The issue is that is not an email I have ever used or had. I have tried to contact the company directly to let them know that I am concerned that someone broke into my account. I cant get through. It doesnt get fixed. 

I am concerns that the monitoring company for my credit ( which I do not want to use but I am forced to use ) has been hacked. They have no customer service to deal with this. And my credit is exposed and info is being sent to an email that is fraudulent.

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 2023-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2023 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2023-08-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2023 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2023-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: IL

Complaint narrative:
Failure to produce a contract or agreement between me and the debt collection company state that I agreed to pay this debt to the debt collection company. Failure to produce proof of the legal right to collect on this debt and the legal obligation that I owe the debt collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: IL

Complaint narrative:
Claims a debt owed on a apartment dwelling that I dispute. Nothing was owed upon departure in XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: IA

Complaint narrative:
Two collections accounts on my report have been resolved and requested to be removec by the creditors. Experian is the only bureau that has refused to remove these accounts. I disputed these accounts and a bankruptcy not belonging to me, I also requested sources used by Experian in the investigation process be provided. Experian has provided nothing, Experian supposedly verified these accounts as accurate, which is untrue they are not, and they remain on my report. Had Experian actually performed these disputes in accordance with the FCRA they would have found that the creditors had already requested these 2 specific items be removed and Experian just did not do so. Also, they would have removed the inaccurate bankruptcy as all other reporting bureaus have already done. I would have been provided with investigation sources as well as required by Federal Law and the FCRA. Experian is in violation of Federal Law frequently and has been fined multiple times for their practices. I do not believe Experian is in compliance with the FCRA as I know they fraudulently claim to investigate disputes which they do not do.

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 2023-08-18 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: CA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-18 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: CA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-18 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I called the credit card fraud dept when I saw several charges on my statement that were not my purchases. I went over each item on the page and told him which ones were indeed mine. And I agreed to pay for all of them right then using a different credit card. We agreed to the amount that was mine and made the transaction. Furthermore, we cancelled my account. He offered to send me a new card which I declined, and told him in fact, I would be cutting up this card which had been used fraudulently, and throwing it out. 
That was in XXXX. Since that time, I have received a bill from this company every month and letters from the bank making me aware that MY account is past due! How do I still have an account when I settled it with a final payment in XXXX and closed it. None of the charges listed on the invoice belong to me. And further, how does one use an account that has been closed? 
For the record, the credit card was a XXXX XXXX from Synchrony bank.

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 2023-08-18 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: FL

Complaint narrative:
I was a victim of identity theft and the information on my credit reports are inaccurate. Hence why I would like to have the following accounts removed from my credit profile please. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX XXXX  XX/XX/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 2023-08-18 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 was a victim of identity theft and the information on my credit reports are inaccurate. Hence why I would like to have the following accounts removed from my credit profile please. 

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 non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Invest promised to pay me a {$100.00} incentive if I open an account with them and make 3 or more regularly recurring deposits into my new account. I did exactly that, around the beginning of this year. Even though I met all the qualification, and they confirmed that I have met the qualification, after so many chats and emails where they promised " oh your bonus will come soon don't worry '', I still have not received the {$100.00}. I have used so much time and energy on this over the last 3 months and now it's getting ridiculous. They just keep saying the same thing, keep giving me empty promises.

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( Previous / Incorrect Addresses ) 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  Please remove and delete these as I feel I am a victim of identity fraud. There have been several data breaches with my personal information leaked.

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 2023-08-18 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: TX

Complaint narrative:
This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV FUNDING LLC is in clear violation of the law for furnishing an inaccurate collection account on my consumer report with an alleged debt of {$440.00} to XXXX XXXX XXXX XXXX  on ( XX/XX/XXXX ). 
I have not given LVNV FUNDING LLC or XXXX XXXX XXXX XXXX written permission or authorization to report any information on my Credit Report and according to 15USC 1681 ( b ) Section 2 ; LVNV FUNDING LLC has no PERMISSIBLE PURPOSE by LAW to contact Third Parties with my private or personal, nonpublic information. Your offenses to reporting this alleged debt amount to AGGRAVATED IDENTITY THEFT pursuant to 18USC 1028 ( A ). You have knowingly transferred, possessed or used a means of identification of me without lawful authority which is a Felony punishable up to 2 years of imprisonment in addition to civil liability along with defamation of character.

Under the New Rule REGULATION F which took effect on November 30, 2021, by reporting this account and parking this alleged debt on my Consumer Report, you are violating the FDCPA & 10006.30a and its new rule LVNV FUNDING LLC must CEASE AND DESIST the reporting of this debt immediately or I will escalate this matter by taking Legal Action against your company for your willful noncompliance.

15USC 1692 ( c ) c Ceasing Communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the Consumer with respect to such debt.

I refuse to pay this alleged debt, CEASE AND DESIST all collections activity regarding this alleged debt and you must not report this alleged debt to any Third Party or Consumer Reporting Agency. 
I am very certain that LVNV FUNDING LLC or XXXX XXXX XXXX  can not provide me with an original signed consumer contract that gave permission to report this inaccurate information on my report and it is no other than UNLAWFUL for XXXX XXXX XXXX to sell my information to you a debt collector when I am the original creditor. ONLY I CAN VALIDATE THIS DEBT AND I DO NOT DELETE THIS ACCOUNT IMMEDIATELY OR YOU WILL BE LIABLE FOR YOUR UNLAWFUL ACTIONS.

Company response to consumer: Closed with explanation