vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-14 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This memorandum is in reference to Synchrony Bank located in XXXX, Florida. This bank declined approval of a card from XXXX because I had an unsatisfactory obligation with their organization. I sent them a letter on XX/XX/2021 explaining my situation so they could correct my credit status. No corrections were made. 
I would appreciate it if Synchrony Bank would rectify the problem by deleting the erroneous information about my obligation of not paying on my account. I informed them that the doctor deliberately took money for services he did not perform. He was informed within 24 hours to cancel my application and he did not. He did take the funds that Synchrony had given to him.

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 2022-08-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I made a {$200.00} payment on XX/XX/XXXX and requested to be allocated towards a promotional balance of {$200.00} which expire on XX/XX/XXXX and taking money from XXXX promotional purchase and transform it towards another one, which makes it more than the original purchase was. I made a promotional purchase from XXXX on XX/XX/XXXX for the amount of {$240.00} and posted to my account on XX/XX/XXXX. I returned an item and received a credit the of {$190.00}. The credit didn't apply to my original purchase, Instead, it was applied to a promotional purchase that's expired next year on XX/XX/XXXX and money has been taken from XXXX original purchase in applying it to another without my approval.

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 2022-08-14 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
I was traveling in XXXX & only became aware of this card on XX/XX/XXXX when I first created my account. 

At first I thought it was a scam but then I found that it was a payroll card. In order to see the contents, I had to create an account & agree to terms that were never sent to me. 

I found that there was an initial deposit of {$120.00}. 

Prior to registering my account and agreeing to terms, theyve started to deduct {$5.00} per month from my account for inactivity. 

They made no attempt to notify me & made no attempt to secure my permission before deducting the {$5.00} per month from my account starting XX/XX/XXXX. 

I contacted Skylight/Netspend customer service on XX/XX/XXXX about refunding the fees they deducted without my permission & they agreed to only refund 3 out 9 deductions.

I need your help to secure a refund on the remaining 6 deductions, a total of {$30.00}.

Thank you.

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 2022-08-14 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: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX sent a delinquent account that belongs to someone else to Southwest Recovery Service, a collection company, Southwest then reported the delinquent account to the credit agencies under my name. XXXX rejected the report as the name, address, social security are different than mine. However, XXXX and XXXX did report the negative credit under my name. I contacted Southwest who admitted that the delinquent account belongs to another person but claimed that they reported it correctly and I needed to contact XXXX and XXXX. I made multiple contacts with both agencies. XXXX did fix it, only to accept it again a month later. XXXX said they completed their investigation and determined that it is me who owes the delinquent account, they provided no further details. I then contacted the original creditor, XXXX XXXX XXXX who admitted that the account belongs to XXXX XXXX and not me, however, they want me to get a copy of my XXXX death certificate before they close their account. I have no access to his death certificate as we are not related. In short, the 4 entities named above are destroying the credit that I worked so hard to establish and will do nothing to clear the issue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: TX

Complaint narrative:
XXXX XXXX XXXX sent a delinquent account that belongs to someone else to XXXX XXXX XXXX, a collection company, XXXX then reported the delinquent account to the credit agencies under my name. XXXX rejected the report as the name, address, social security are different than mine. However, XXXX and Equifax did report the negative credit under my name. I contacted XXXX who admitted that the delinquent account belongs to another person but claimed that they reported it correctly and I needed to contact Equifax and XXXX. I made multiple contacts with both agencies. Equifax did fix it, only to accept it again a month later. XXXX said they completed their investigation and determined that it is me who owes the delinquent account, they provided no further details. I then contacted the original creditor, XXXX XXXX XXXX who admitted that the account belongs to XXXX XXXX and not me, however, they want me to get a copy of my XXXX death certificate before they close their account. I have no access to his death certificate as we are not related. In short, the 4 entities named above are destroying the credit that I worked so hard to establish and will do nothing to clear the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
I applied for an extension of credit to purchase a vehicle at XXXX XXXX XXXX in XXXX, TN was denied by Ally Bank. They denied me when I was only applying in XXXX XXXX pursuant 12 CFR 1002.2 ( r ) with honesty in fact in conduct or transaction. They denied me my right to exercise in good faith, of any right under the Consumer Credit Protection Act, pursuant 12 CFR 1002.1 ( b ). This has caused me tremendous stress due to unable to get a vehicle to assist my family. They also obtained my credit card pursuant 12 CFR 1002.2 ( k ) ANY card, plate, coupon book, or other single credit device that may be used from time to time to obtain money, property, or services on credit. The credit card that was used my social security card and my Licensed which is also a credit card. They received the benefits from my credit card while I received nothing in return. They discriminated against the applicant ( me ) by mistreating me less favorable than other applicants, pursuant 12 CFR 1002.2 ( n ).

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 2022-08-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-08-14 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: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I just got a credit card bill the week of XX/XX/2022 and noticed that my credit score had dropped precipitously from the XXXX down to XXXX. I checked the credit reports and saw that Citizens Bank Credit Card is marking my disputed {$430.00} in interest an non-payment. THEY HAVE NO RIGHT TO MARK ME AS DELINQUESNT WHEN I AM WORKING ON A DISPUTE WITH YOU. They must reverse this immediately. The CFPB is supposed to be a safe space when big corporations are taking advantage of consumers. This is yet another way Citizens Bank is hurting its retail customers. They are unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
To whom it may concern : On XX/XX/XXXX, I took out a Mortgage in the amount of {$240000.00} with XXXX XXXX XXXX XXXX XXXX. 

Thereafter, I fell behind on my Mortgage payments, and I signed a Loan Modification agreement on XX/XX/XXXX with XXXX XXXX XXXX ( by Loancare LLC, as Agent under Limited POA ). The terms of the loan modification agreement were as follows : Unpaid principal balance to XXXX : {$170000.00} Unpaid principal balance to HUD ( serviced by ISN ) : {$71000.00} Presently, I am closing on my home, and XXXX, through their Attorney, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, has sent me a payoff with what appears to be an incorrect unpaid principal balance to XXXX. 

XXXX is now claiming that my unpaid principal balance is : {$230000.00} I believe that this amount is incorrect, because the payoff to HUD ( serviced by ISN ), states that I still owe HUD {$71000.00}. I have alerted both the Lender ; and the Title Company handling my closing has notified their Attorney of this issue. Unfortunately, to date, neither has corrected the issue ; or provided supporting documentation to account for the additional {$64000.00} that XXXX is claiming they are owed.

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 2022-08-14 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: NV

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT : I have been reviewing my credit report from the XXXX credit bureaus ( enclosed herein ), and which is dated XX/XX/XXXX. I have noticed inaccuracies reported on my XXXX, XXXX, and TransUnion consumer reports regarding XXXX XXXX. I am not working with a credit repair company ; I've downloaded this information on my own computer using my own information and I have enclosed my identification documents. Allegedly, my disputes with XXXXXXXX XXXX have been " Verified as Accurate ''. XXXXXXXX XXXX has also sent me information prior that is very different from what the XXXX bureaus are reporting and I have submitted to the CRAs. Now, an example of this inaccuracy are as follows and enclosed : " The Date Last Reported '' along with your reported payment history and delinquencies, are inconsistent. XX/XX/XXXX, XXXX reports 30 days past due, while XXXX and TransUnion are reporting OK ; XX/XX/XXXX, XXXX reports 60 days past due while XXXX and TransUnion are reporting 30 days past due ; XX/XX/XXXX, XXXX reports OK while XXXX and TransUnion are reporting 60 days past due ; XX/XX/XXXX XXXX is reporting 30 days past due, while XXXX and TransUnion are reporting OK ; XX/XX/XXXX XXXX is reporting 60 days past due and XXXX and TransUnion are reporting 30 days past due ; XX/XX/XXXX XXXX is reporting 90 days past due, and XXXX and TransUnion are reporting 60 days past due. This account was closed in XX/XX/XXXX, so how is XXXX still reporting a payment history until XX/XX/XXXX ; and TransUnion is not reporting ANY HISTORY for XX/XX/XXXX when the final payment was received by XXXXXXXX XXXX?. Reporting of consumer information for an account should be 100 % accurate per the FCRA laws ; and XXXX, as well as XXXX and TransUnion are inconsistent and not following these 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 2022-08-14 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT : I have been reviewing my credit report from the XXXX credit bureaus ( enclosed herein ), and which is dated XX/XX/XXXX. I have noticed inaccuracies reported on my XXXX, Experian, and XXXX consumer reports regarding XXXXXXXX XXXX. I am not working with a credit repair company ; I've downloaded this information on my own computer using my own information and I have enclosed my identification documents. Allegedly, my disputes with XXXXXXXX XXXX have been " Verified as Accurate ''. XXXXXXXX XXXX has also sent me information prior that is very different from what the XXXX bureaus are reporting and I have submitted to the CRAs. Now, an example of this inaccuracy are as follows and enclosed : " The Date Last Reported '' along with your reported payment history and delinquencies, are inconsistent. XX/XX/XXXX, XXXX reports 30 days past due, while Experian and XXXX are reporting OK ; XX/XX/XXXX, XXXX reports 60 days past due while Experian and XXXX are reporting 30 days past due ; XX/XX/XXXX, XXXX reports OK while Experian and XXXX are reporting 60 days past due ; XX/XX/XXXX XXXX is reporting 30 days past due, while Experian and XXXX are reporting OK ; XX/XX/XXXX XXXX is reporting 60 days past due and Experian and XXXX are reporting 30 days past due ; XX/XX/XXXX XXXX is reporting 90 days past due, and Experian and XXXX are reporting 60 days past due. This account was closed in XX/XX/XXXX, so how is XXXX still reporting a payment history until XX/XX/XXXX ; and XXXX is not reporting ANY HISTORY for XX/XX/XXXX when the final payment was received by XXXXXXXX XXXX?. Reporting of consumer information for an account should be 100 % accurate per the FCRA laws ; and XXXX, as well as Experian and XXXX are inconsistent and not following these 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 explanation
Consumer complaint received 2022-08-14 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: TX

Complaint narrative:
XXXX XXXX XXXX sent a delinquent account that belongs to someone else to XXXX XXXX XXXX, a collection company, XXXX then reported the delinquent account to the credit agencies under my name. XXXX rejected the report as the name, address, social security are different than mine. However, Experian and XXXX did report the negative credit under my name. I contacted XXXX who admitted that the delinquent account belongs to another person but claimed that they reported it correctly and I needed to contact XXXX and Experian. I made multiple contacts with both agencies. XXXX did fix it, only to accept it again a month later. Experian said they completed their investigation and determined that it is me who owes the delinquent account, they provided no further details. I then contacted the original creditor, XXXX XXXX XXXX who admitted that the account belongs to XXXX XXXX and not me, however, they want me to get a copy of my XXXX death certificate before they close their account. I have no access to his death certificate as we are not related. In short, the 4 entities named above are destroying the credit that I worked so hard to establish and will do nothing to clear the issue.

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 2022-08-14 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: PA

Complaint narrative:
I just got a credit card bill the week of XX/XX/2022 and noticed that my credit score had dropped precipitously from the XXXX down to XXXX. I checked the credit reports and saw that XXXX XXXX Credit Card is marking my disputed {$430.00} in interest an non-payment. THEY HAVE NO RIGHT TO MARK ME AS DELINQUESNT WHEN I AM WORKING ON A DISPUTE WITH YOU. They must reverse this immediately. The CFPB is supposed to be a safe space when big corporations are taking advantage of consumers. This is yet another way XXXX XXXX is hurting its retail customers. They are unbelievable.

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 2022-08-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct xxxx XXXX XXXX XXXX acct XXXX, has violated my rights. 

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

15 U.S.C 1681c. ( a ) ( 5 ) 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 then records of conviction of crimes which antedates the reports by more then seven years.

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.

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 15 U.S.C 1692c Communication in connection with debt collection 15 U.S.C Acquisition of location information 15 U.S.C 1692b ( 5 ) 15 U.S.C 1692d Harassment or abuse

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 2022-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
My account is new. 2 checks got deposited one of them bounced back the 1st 1. The 2nd one cleared I have the money in my account my account is not closed And there's no way I could touch it or use it is it and when I call a bank the they keep giving me the back-and-forth run around. I Have your family and have bills to pay and it's not fair that I can not touch my money

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 2022-08-14 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: CA

Complaint narrative:
I have contacted Experian about inaccurate information on my credit report due to fraud and identity theft on numerous occasions on XXXX, XXXX, and on XXXX to remove inaccurate information from my credit report because it is a result of identity theft. Experian try told me that the information is fractured.

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 2022-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
AWA Collections is violating FCRA Section 623 ( 5 ) ( A ). This account is illegally re-aged.

Essentially, re-aging an account means that a debt states differently than the original date of the first debt. If there is a different date ( meaning it has been changed ) it is an illegal practice of re-aging. Re-aging is illegal under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone used my debit card to send {$2000.00} to XXXX through a company named XXXX. I did not authorize this transaction nor I know anyone from that country. Bank of America denied my claim Claim 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 monetary relief
Consumer complaint received 2022-08-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I requested a {$50000.00} line of credit. The header I got was {$50000.00}. Then when I clicked to review the loan amounts were much lower and one required collateral.

False advertising and I can not unsubscribe to their constant emails. Click on unsubscribe and then it takes you to a website without the ability to submit. 

I have screenshots I can forward.

Company response to consumer: Closed with explanation