vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I tried to send flowers to my girlfriend in the XXXX for her birthday and the payment failed. I verified the payment on the USAA website and the payment still failed. I called some XXXX with USAA and she started talking about other payments. Why do I care about other payments. I want to know why I continuously have problems making payments when I follow their procedures. If your procedures don't work fix them. I look like a total XXXX to people in the XXXX. I guess this is my fault by using a bank run by XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit card — Store credit 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: TN

Complaint narrative:
I made a purchase in XX/XX/XXXX and charged it on my amazon card, it was interest free as long as i payed it off in the time frame, by XXXX the full amount was drafted instead of minimum or atleast whaterver i wanted to pay towards it to avoid interest charge... I recognized the reason for this was because I had set up my account on monthly balance autodraft... I called to complain and they rectified it by recharging the amount XXXX $ and issued a full refund check for the drafted amount {$370.00} ) the recharged amount was now set up on a 12 month no interest. at this point in time i had already made another purchase of {$78.00} after the mentioned {$370.00} charge ... in order not to create confusion I payed {$110.00} and made an arrangement to draft XXXX $ monthly which will pay the remaining balance before the promotion expired, {$32.00} was drafted monthly as planned until I received an email summer of XXXX saying I owed over {$600.00}, this did not make any sense because last purchase was the total {$78.00} in XXXX after the {$370.00} and was payed off the day arrangement was made, and i purposely stopped using the card to avoid confusion ... since $ XXXX no interest pay off.was initiated... I called syncrony and it was found that some i had an identical balance some how and was also getting charged interest on top. The interest part was taking care of after multiple calls but for some reason identical balance stayed ... all the supervisors i called agree i dont owe but the balance still exist. I stopped auto draft after the full amount was payed off and overpayed by {$33.00} ... but the bogus balance still remained and they have reported me to credit bureaus as late payment, harraass me on text, phone calls and email and now my perfect credit score has gone from XXXX to XXXX due to false reporting. they can not prove how my balance is {$420.00} in XXXX but my last charge was in XXXX and have made payments over {$370.00} since, the billing in XXXX of XXXX shows my purchase was {$370.00} which is the exact same amount of the XXXX purchase and they list my purchase as " balance transfer '', from what or were?. multiple employees on recorded conversation agree and keep appologising and promise this will be fixed but somehow they still continue to make my life miserable. I have decided to go ahead and pay the bogus balance to mitigate the damage they are doing to my credit and also stop the pain and suffering and let the justice take over. It took me 24 years to build an excellent but one day for syncrony bank to destroy.

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 2024-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and 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 2024-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX alleges that I owe {$740.00}. This information is false and inaccurate. I have no account with XXXX XXXX XXXX XXXX XXXX, nor do I have an account with XXXX XXXX XXXX XXXX XXXX I requested debt validation from XXXX which I never received. Therefore XXXX is in violation of federal laws.

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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC XXXX regarding the account that do not belong to me. 

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 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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

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 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 explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy federal has let people transfer money take money out of my account every dispute or fraud claim I have filed with them has been denied after I filed police reports and provided documentation showing this was not done by me they again was not protecting my account my code word was supposed to be used if anyone calls or try to access my account and they have not done that they have made there mistakes mine and now Im suffering Ive had over a half million dollars in there bank but yet they have tried to belittle and also called me a liar the leaders over these departments are very rude and not understanding at all navy federal has not so much of givin me a provisional credit and its like they have my account on front so when I call these people lie and are very rude they took my debit cards made me pay off accounts that I didnt compromise and did not do proper investigations or have so much of sent me any kinda notice of these actions that there taking or have taken

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
Company voluntarily declined to produce monthly loan statements. Voluntarily aborted our auto-withdraw process, then shuttered the bank branches and failed to open their mail in a timely fashion to process the checks we mailed them. Then they misapplied our funds in cockamamie ways to disguise their misfeasance. Either XXXX  criminal or criminally XXXX. You guys need to send this on to the Federal Reserve, the Comptroller of the Currency and the FDIC. Please yank their license to do further harm while pretending to be bankers and loan servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting 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.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting 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:
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.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint against pro collection for inaccurately reporting a debt on my credit profile. In XX/XX/2023, I contacted pro collection to inform them that the {$2900.00} debt that they had reported on my credit profile did not belong to me. Despite my request for validation of the debt, pro collection failed to provide any evidence that the debt was indeed mine. 

I have requested multiple times for pro collection to remove the debt from my credit profile, as it is negatively impacting my credit score. However, they have refused to do so without any proof that the debt is legitimate and belongs to me. 

I would like to request that pro collection provide concrete evidence that I am responsible for the debt in question. As of now, I have not received any verification from them to support their claim. 

I am seeking the assistance of the Consumer Financial Protection Bureau in resolving this issue and requesting that pro collection remove the inaccurate debt from my credit profile. I have attached copies of all communication and documentation related to this matter for your reference.

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 2024-03-23 00:00:00
Product: Credit reporting 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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 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: TX

Complaint narrative:
I submitted dispute through Experian online portal on XX/XX/XXXX at XXXX CST regarding inaccurate/ incomplete balance history for accounts listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Its safe to say a thorough reinvestigation was not completed since ALL accounts reported back as verified/updated XX/XX/XXXX at XXXX CST, but all accounts appear to be reporting the same discrepancies. I am asking to be provided with ALL ACCOUNT LEVEL DOCUMENTATION that was used to verify accounts in dispute between the furnisher and credit reporting agency. Pursuant to the FCRA " Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information ''. Said companies is in violation of 15 USC 1681S-2 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. In addition, said companies are in violation of Privacy Act of 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 2024-03-23 00:00:00
Product: Credit reporting 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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : 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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : 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 2024-03-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 

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 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 2024-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I did some car detailing for a guy and you pay me back in checks I put it in my account later on Chase said it was a fake check so put it on hold to do further investigation so I had to wait a week. Its a week now and I still have to wait additional two weeks. They said Ive gotten three paychecks for my job and Ive not been able to assess one of them now Im starving XXXX XXXX while having over {$2000.00} in my bank account Ive called in in person just refuse to give me my money and make excuses. Starvation chase bank is reliable for XXXX XXXXXXXX  and needs to be sued for it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I signed up for CareCredit that was promoted as 0 % APR for optional time frames. At some point I signed up for automatic payments where I paid over the minimum payment in order to pay off the balance in an accelerated time frame. I looked over my recent statement and saw there were interest charges. After contacting Synchrony I was informed that they were claiming this to be a " deferred interest '' agreement. At no time did I ever see such terms explicitly outlined. I was capable of covering the costs of the procedure both out of pocket or with many other credit avenues. I only chose CareCredit based on their promotional material that appeared to be 0 % APR for an extended period. I do not believe that I owe Synchrony any further payments and have requested an adjustment of my statement to reflect a XXXX balance along with past statements. I noticed that prior to by promotional period ending Synchrony quit sending physical statements even though I never agreed to paperless billing. I believe all of the statements made thus far either reflect a mistake on Synchrony 's part, or possibly predatory lending practices.

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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
RE : Social Security Number : XXXX This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX Sincerely

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