vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I went to XXXX XXXX XXXX XXXX to purchase a vehicles, which I was advised they would need a auto financing approval to purchase the vehicles which in XX/XX/. I obtained a approval from Navy Federal FCU. 
XXXX XXXX and I, who was there individual I was working with advised he needed the checks to purchase the vehicles. He cashed the checks fraudulently, and I never received any vehicles. Each month I would get excuses that its being worked on until they stopped answering the phones and change the office location. I haven't heard anything at all from the dealer ever again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I am writing to express my concerns and frustrations regarding my recent experience with the deferred interest program on my care credit card account. 

Firstly, I want to emphasize my commitment to maintaining a positive credit history and a good relationship with Synchrony Bank. I have been a loyal customer for several years and my high credit score is a testament to my responsible financial behavior. I am also grateful for the opportunity to finance my XXXX XXXX which has improved my life dramatically. 

Recently, I encountered unforeseen financial hardships that made it challenging for me to meet all my financial obligations on time and pay more than enough with minimum payment. I was trying to set up autopay enough to cover all before the deadline. I thought I was on track to pay early. However, after checking my statement today XXXX I see it expired on XX/XX/2003. I do not normally check the statement each month as I have autopay and am not worried about missed payment. However, I realized the balance was higher than I was used to seeing {$2000.00} that when I realized {$960.00} is deferred interest. I was certainly alarmed. 

Unfortunately, due to these circumstances, I missed the deadline for the deferred interest program on my credit card. My intention was to ensure that I paid at least the minimum amount to avoid incurring interest charges. I called and explained my situation and that I could take money out of my Health Savings to pay off what I owe. The account manager was not able to help since it was past the 30-day grace period. 

In addition to the financial difficulties, I also experienced intermittent internet access issues during this period. As a result, I was unable to consistently check my statements online to stay informed about the status of my account. I understand the importance of staying on top of my financial responsibilities, and I sincerely regret any oversight on my part. I would hope the Bank had other means to notify their valued customers, such as e-mail, text, or even a phone call. I would have paid it off to avoid interest. 

I kindly request understanding and assistance in reviewing my account. Given my longstanding relationship with Synchrony and my overall good credit history, I am hopeful that you can offer a resolution that is fair and considerate of my current situation. 

I would appreciate any possible accommodation, such as a reconsideration of the interest charges, a waiver of any deferred fees. I am committed to resolving this matter amicably and maintaining a positive relationship with Synchrony. Any attention or help with this issue is greatly appreciated, and I look forward to a favorable resolution.

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 2023-12-06 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I got an alert from XXXX XXXX stating that an account was closed recently. I logged in and saw that Synchrony closed my Discount Tire credit card. This account was opened XXXX  with an {$800.00} credit limit. I was confused as I have NEVER been late, not once on my payments. I logged into my Synchrony account and the chat agent told me that it was due to a review of my credit report that management made the decision to close my account. The agent even acknowledged that I had never been late on my payments. I also pointed out that I have two other accounts with them that I have also remained in good standing with. 
She then told me that I was sent a digital letter from them. I did receive a notification about this correspondence on XXXX which required me to input my zip code to open. I did that and only received an error message with no other way to open the correspondence. 
I don't understand how they can do this if one is in good standing with their organization. I have never been late and this helps my credit when reporting that I am consistently making on-time payments. 
This should not be allowed to occur. 
I can understand closing a habitually delinquent account but to close an account that still has an over {$500.00} balance AND has been paid consistently on time should NEVER be allowed. I am not a risk for them based on my history and feel very victimized by this.

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I asked this Experian company to remove all the various false names from my credit account. They said I need to mail copies of identification and letter of residence from utility co. I sent copies of California drivers license with federal approval star, copy of passport, letter of residence from XXXX XXXX XXXX. I mailed certified mail. They still did not honor my request. I am extremely concerned that if I were to unfreeze my accounts anyone who uses any of these other names can do fraud. I have no idea where these incorrect names came from and some of them dont even make any sense they have jumbled letters attached to the end of my name. Wrong middle initials, and dropped letters etc. I can not unfreeze my accounts until this is done.

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 2023-12-06 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: KY

Complaint narrative:
Pursuant to 18 USC ( 8 ) I owe no debt this company is violating my consumer right to privacy pursuant to is 15 USC 1681 ( b ) 15 USC 1681 ( 4 ) company has also no permission to report anything using my information 15 USC 1692g validation of debt 15 USC 1681A ( 2 ) ( a ) ( I ) Late payment Account # 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 2023-12-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I filed three claims for fraud/unauthorized activity with Capital One 360 Checking. 

Claim # XXXX for account ending in XXXXClaim # XXXX for account ending in XXXXClaim # XXXX for account ending in XXXX. 

My name is XXXX XXXX, birthday XX/XX/, last four of social XXXX. 
The claims listed above filed by me on XXXX, were WRONGFULLY DENIED after only 8 days of investigation, I was not even issued provisional credit. The reasons Capital One gave for the determination is " Due to your assertion about the debit card possession and transaction information ''. This is completely inaccurate as I NEVER HAD POSSESSION OF THE DEBIT CARD, it was delivered XXXX which did not require a signature, left outsidemy door where my sister proceeded to pick up the card activate and use it for the transactions in the claims number listed above. 
Whomever I spoke with initially about the claim took down an inaccuratereport, which has caused me severe financial hardship. I have had this Capital One accountfor YEARS and nothing like this has even happened. 
Attached please find PROOF mine and of my Sisters ( the culprits ) address in the form of a XXXX bill in her name, which is where the card was sent to. I notified the representative of this on the phone, and let them know she no longer lives here and has a history of stealing from family to support her addiction. I contacted the XXXX police, told them my sister gave a VERBAL admission to taking the card and activating it by logging into my Capital One application and entering the CVV code- which makes it way too easy for someone commit fraud by the way, they should be required to call and verify. 
So to be clear : I NEVER had physical access of this card when it was mailed, how can an investigation into theft/fraud only take 8 days to finalize?? Did you review ATM camera footage? Apparently not, as I clearly am NOT responsible for any charges or transactions made in the claims numbers listed above. I have filed a report with the Consumer Finance Protection Bureau and I hope we can resolve this matter as I was truly a victim of theft here and this is extremely stressful. 
Please let me know if any further documentation is required or if you would like to speak to the Detective with XXXX, Illinois police department. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
In XXXX XXXX XXXX I had made payments towards my unsubsidized loans in total of {$1600.00}. This money was supposed to pay off all my unsubsidized loans however it was backdated & was submitted to my subsidized loans instead. I have called XXXX separate occasions to tell them to reallocate them to the correct loan. I was told it would be transferred & there is proof on their end of this request. Months later I check there is still a balance on my unsubsidized loans and they had never reallocated the money. I also have emails confirming that two of my loans have been paid off yet it still shows a balance. I spoke to XXXX one of the managers at Nelnet on XXXX  and she told me that she sees that what I have said is true & it looks like the accounting team has messed up my payments. She told me that she would call me on XX/XX/XXXX in the morning at XXXX  PT because that would be when she can contact the accounting office when they are open again. but she never did call me back. Currently I have interest from that loan even thought I shouldnt have in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
This debt was settled in front of a judge on XX/XX/. Bank of America made me a settlement offer and I paid it. The company continues to report this as a derogatory public record with a past due balance. This is causing me continued injury and hardship.

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Credit reports are used by lenders, insurers, CEOs and investors to make decisions that affect every facet of peoples lives in the system of the United States Corporation yet these reports frequently contain errors. Congress passed the Fair Credit Reporting Act ( FCRA ) required credit reporting companies, and the companies that give them information, to respond appropriately when notified of errors and comply with the obligations put on them by Congress in the law. Specifically, they must tell credit reporting companies to remove information that they can not verify after someone identifies the information as wrong - to remove unverified information XXXX XXXX XXXX The FCRA provides people multiple ways to dispute inaccurate information on their credit reports due to identity theft. I disputed the inaccuracy of information on my credit reports with credit reporting companies XXXX, XXXX, and TransUnion and XXXX. After the investigation into the disputed information, XXXX, TransUnion and XXXX deleted disputed unverified information from XXXX. 

After my children were hit by a vehicle, instead of holding the influenced driver accountable - the dangerous individual avoided jail time. After XXXX accepted the overage payment from Veteran Affairs ; XXXX used XXXX XXXX XXXX to add a {$900.00} collection to my credit report. TransUnion needs to investigate this credit reporting error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Killings Need to Be Tracked Obsessed with attacking my African American, female, Veteran household, a fraudulent charge was made on an inactive, frozen, expired XXXX XXXX XXXX then an fraudulent payment was made by overdrawing a dormant checking account with XXXX for {$37.00}. 

Per top XXXX XXXX XXXX XXXX - consumer reporting companies and CEOs that provide information to them ; have great influence over consumers lives, and need to meet legal obligations.

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Credit reports are used by lenders, insurers, CEOs and investors to make decisions that affect every facet of peoples lives in the system of the United States Corporation yet these reports frequently contain errors. Congress passed the Fair Credit Reporting Act ( FCRA ) required credit reporting companies, and the companies that give them information, to respond appropriately when notified of errors and comply with the obligations put on them by Congress in the law. Specifically, they must tell credit reporting companies to remove information that they can not verify after someone identifies the information as wrong - to remove unverified information XXXX XXXX XXXX The FCRA provides people multiple ways to dispute inaccurate information on their credit reports due to identity theft. I disputed the inaccuracy of information on my credit reports with credit reporting companies XXXX, Equifax, and XXXX and XXXX. After the investigation into the disputed information, XXXX, XXXX and Equifax deleted disputed unverified information from XXXX. 

After my children were XXXX XXXX XXXX XXXX, instead of holding the influenced driver accountable - the dangerous individual avoided jail time. After XXXX accepted the overage payment from Veteran Affairs ; XXXX used XXXX XXXX XXXX to add a {$900.00} collection to my credit report. XXXX needs to investigate this credit reporting error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Rejection XXXX Need to Be Tracked Obsessed with attacking my African American, female, Veteran household, a fraudulent charge was made on an inactive, frozen, expired XXXX XXXX , then an fraudulent payment was made by overdrawing a dormant checking account with XXXX for {$37.00}. 

Per top XXXX XXXX XXXX XXXX - consumer reporting companies and CEOs that provide information to them ; have great influence over consumers lives, and need to meet legal obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
Unauthorized Charges... Totaling XXXX dollars. Cashapp is denying the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Take a look at the attached documents. I'm requesting the bureau to begin an investigation into these accounts, which are erroneously marking 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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: MO

Complaint narrative:
I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed listed int attached document.

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 2023-12-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Alleged Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) Billing Error ) Upon reviewing my credit report recently, I observed multiple instances of billing errors as defined under 15 U.S. Code 1666 ( b ) billing error, specifically : ( 4 ) The creditor 's failure to accurately reflect on a statement a payment made by the obligor, or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature by the creditor on a statement.

It has come to my attention that the creditor failed to provide the requisite 21-day notice ( approximately XXXX weeks ) before issuing a statement, thereby negating any grounds for late payments on the mentioned accounts. I am requesting conclusive evidence from the creditor 's bank account to substantiate the claim of non-payment resulting in late markings, as this appears to be a clear billing error. 

I insist that the following items be promptly updated to " paid as agreed '' on my consumer report : XXXX XXXX XXXX XXXX Account number XXXX  Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX DEPT OF EDXXXX Account number XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX As a consumer protected by law, these accounts must be expeditiously updated or removed from my record. Failure to comply will compel me to pursue monetary compensation for the infringement of my rights through small claims court under XXXX XXXX XXXX civil liability. 

Additionally, be informed that this matter has been escalated by submitting a formal complaint to the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: IN

Complaint narrative:
I filed a dispute with chime and they keep saying it's under investigation but they don't have much to investigate. I purchased bt headphones they didn't work. I reached out to the person and no response of course. So I filed a dispute and chime has failed me. They're a slow company who allows their customers to get ripped off without pulling back the money. 

Avoid chime at all cost. Their a rude horrible company who is all about money and not the I've had multiple prepaid debt cards and their the worst thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: LA

Complaint narrative:
I am XXXX XXXX XXXX and I have updated information about these unknown inaccurate accounts, and addresses on my credit reports. I have been reaching out to these companies since XX/XX/2023 requesting verification on these inaccurate unknown accounts, but these companies have ignored my request and continue to violate me as a consumer and violate the FCRA every month. These companies are not supposed to report on my behalf without my written consent and before they report they are to investigate to make sure that the information to be reported is 100 % accurate per the FCRA LAWS. The information uploaded is showing proof where these companies are all reporting different inaccurate unknown information and each month updating old accounts withe new information monthly that is damaging my credit every month which is illegal. I have been denied credit due this unfair treatment and I demand this information be deleted and updated immediately.

Company response to consumer: Closed with non-monetary relief