vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I wrote credit control  asked them to validate my debt along with signature page they never answered me and then sent me a bill I sent them another letter they did not answer me I did not give no one permission to disclose my medical information the company is credit control XXXX XXXX XXXX I no under the Fdca and hippa laws they need my written signature to disclose my information so this company violated my rights what can I do now sue. Thanks XXXX 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 2022-11-19 00:00:00
Product: Credit card or prepaid 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: FL

Complaint narrative:
On XX/XX/2022 I paid a balance of XXXX account off, balance was {$180.00}. XXXX charged my checking account XXXX different times. I contacted XXXX about the over payments. XXXX refunded me, via check, for the overpayment. 
About 2 months later then sent me a payment demand for XXXX, However I haven't purchased ANYTHING from the store, they alledge that that they have never received any payments from the XXXX/XXXX/2022 billing statement. I disputed this again, They reversed the charges. 
XXXX weeks ago I got ANOTHER billing request, allegedly saying that I owe them XXXX, After contacting them AGAIN, disputing this claim they advised me to get " proof '' of the payments. I went DIRECTLY to XXXX XXXX XXXX had a computer printout of the entire month bank statement and directy faxed such documents to " Synchrony Customer Care '' @ XXXX. I got the confirmation fax of reciept. 
In response XXXX DOUBLED the amount the alleged amount to debt to XXXX XXXX. Absurd. 
Please resolve this so I can move on from this XXXX long dispute. I paid my bill, I don't owe XXXX XXXX red cent.

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 2022-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Good Afternoon, As of XX/XX/2022, Ive looked over my recent statements dating back a year and a half ago I was charged numerous amounts of late fees when I initially enrolled into autopay. Now they said that I enrolled into a XXXX  month interest free. When I initially enrolled into a XXXX month plan. I spoke with multiple representatives today and they were not able to resolve my issue or waive any interest/ late fees Ive XXXX. They have a record of me speaking to an XXXX agent overseas on XXXX, requesting autopay enrollment, all late fees waived, and why I am receiving interest fees. I was on hold for XXXX minutes while they resolve the issue and the line disconnected. Ive tried many times to solve the issue but the agents are not very comprehensive! They deflect you from the reality of these random fees. I just want to pay off my initial balance thats all. I spend hours on the phone but again, no resolution. They now opened an investigation regarding the late fees and autopay but not the promotional balance I just now found out about. From my experience. I think theyre going to sweep this under the rug like theyve done with my other complaints. They also, randomly enrolled me into this insurance monthly fee scammed that I was unknowingly paying for each month. They credited it all back on my account amounting to {$740.00}. Theres many scammy things happening that need to be investigated. Thank you. I hope you can help me!

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 2022-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On Saturday, XX/XX/2022 at XXXX XXXX  I made a cash deposit to a Chase Bank ATM located at XXXX XXXX XXXX, XXXX XXXX NY. 
I inserted into the ATM machine XXXX bills of {$100.00} each, for a total of {$1000.00}. During the transaction, the ATM machine displayed a pop-up message saying that there was a problem with the transaction and to call the bank to verify the deposit. The machine also gave me a paper receipt which only indicates a sequence number and refers to call customer service. Being the ATM machine right outside a Chase Bank Office, I immediately walked into the bank to report the issue and ask for help. A Chase representative explained to me that I must call the phone number indicated on the receipt, so I did it from inside the bank. The customer service opened a claim number and provided a {$1000.00} temporary deposit to my checking account while they were conducting the investigation. 
On Saturday, XX/XX/2022 I received an unclear communication from Chase stating that as a result of the investigation they are removing {$610.00} from my account because they found that I should have received a portion of the remaining amount. I promptly called Chase asking for further explanation. The customer representative claimed that it was no evidence that I deposited {$1000.00} and based on their internal calculation they believe I only deposited {$380.00}. The representative also added that based on my banking history I usually don't deposit large amounts of cash and therefore that transaction seems anomalous for them. No other information was provided to me and Chase stated that the investigation is closed and I will be only accrediting {$380.00} to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BlockFi Inc
State: TN

Complaint narrative:
I'm locked out of my account and can not withdraw my funds. The company violated their terms of service and misappropriated client funds, including mine. Now users are unable to withdraw their funds they were told were safe and still in their full ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: MO

Complaint narrative:
XX/XX/2021, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
Began discussing loan modification options around XXXX of 2022 and advised we could either put delinquent amounts on the end of our loan or add to loan with increased interest. We declined the latter and in XXXX and XXXX of 2022 received modification paperwork which increased our interest rate from XXXX XXXX XXXX XXXX XXXX, increased payment by $ XXXX and seemingly adds total amount past due to principal balance which would change from XXXX to XXXX. Told this or paying off the loan was our only option. 
Received notice dated XX/XX/2022 that we had until XX/XX/2022 to discuss options to avoid foreclosure but home auctioned off on XX/XX/2022. We had no idea this could or would happen as we were actively attempting to find resolution. Unsure at this time if sale will stand and we will be evicted, and forced to file XXXX XXXX XXXX immediately. 
Towards the beginning of XXXX told we were on 180 day forebearance, later told we werent and denied our request for forebearance stating unnecessary. On XX/XX/2022 told by phone all available forebearance used but we believe a 90 day forebearance was only utilized/requested 3 times. Told we had to reapply for forebearance after 90 days. Required to fill out extra information to qualify for forebearance. 
We believe dual tracking occurred and loan modification and foreclosure were happening simultaneously. 
Spoke with representative in XX/XX/2022 to notify of our intent to apply for XXXX and asked for confirmation of forebearance. Lead to believe we were on forebearance. We believe forebearance and XXXX postponing foreclosure date were used interchangeably. 
We question accurate reporting to credit bureaus, assessing late fees while in forebearance, and level of deception that occurred overall. Due to our home being auctioned off we felt it more important to initiate complaint and not wait to look through all correspondences for other incidents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XX/XX/2021, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX To : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, FL XXXX ACCOUNT # XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still 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 investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 

You aren't licensed in Georgia Delete this account. 
You didn't apply the notice of dispute to the credit report in the appropriate time frame, which is a violation of the FCRA. 
DELETE THIS ACCOUNT PLEASE! 

Please send a check for {$100000.00} paid to me, to my address listed above.

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 2022-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still 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 investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 

You aren't licensed in Georgia Delete this account. 
You didn't apply the notice of dispute to the credit report in the appropriate time frame, which is a violation of the FCRA. 
DELETE THIS ACCOUNT PLEASE! 

Please send a check for {$100000.00} paid to me, to my address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: GA

Complaint narrative:
On XX/XX/XXXX, I received a credit file dated XX/XX/2022. The confirmation number is XXXX. I noticed fraudulent activity on my credit file. Equifax has allowed me to be subjected to fraud by allowing inquires that I did not benefit from to be reported on my consumer profile. According 18 USC 1028A these companies obtained and disclosed my credit report under false and fraudulent pretenses which constitutes identify theft. This type of activity is in violation of 15 USC 1642, USC 1681m, 12 CFR 1001 because I, the consumer, made an application in good faith, but no credit was issued. Furthermore, my social security was used and I received no benefit. This is proof of fraudulent activity unauthorized use of my credit card by the inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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:
checking my file I've noticed a lot of invalid information on my transunion credit report. I am disputing all incorrect information on my credit report to help clear my file.

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