vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MI

Complaint narrative:
purchased a XXXX XXXX mower from XXXX XXXX XXXX XXXXXXXX on a 24 month XXXX interest loan. 
because of them reporting it incorrectly to synchrony Bank which purchased the loan, it was reported as 9 different transactions on my first bill which didn't arrive until over 2 months later when I had to contact THEM after getting a notice from XXXX XXXX. 
After several talks ( sometimes very heated when they kept switching me to agent after agent trying to collect a debt ) over the first couple months during which I had paid them ON TIME for the purchase, we FINALLY thought it had been rectified. During this time, they had charged me with TEN NON-PAYMENT charges of {$39.00} in only 6 months and my XXXX XXXX of over XXXX had been reduced to BELOW XXXX. 
We FINALLY managed to talk to someone who found the error and returned my score ( after 3 different fluctuations up and down ) to somewhere near XXXX again. 
We THOUGHT it had been finally fixed but today, I AGAIN received notice my account was in arrears and my score was AGAIN near XXXX. 
I have found it impossible to talk to anyone other than a XXXX who has NO power to do anything other than cause me to scream at them as they tell me over and over and over they are simply trying to collect a debt. 
At NO TIME have I failed to maintain a POSITIVE on time payment amount AUTOMATICALLY sent by my bank 2 weeks BEFORE the due date which will pay off the note before the 24 month period agreed on initially. 
I'm XXXX XXXX XXXX with a XXXX and being driven by frustration to literally scream over having to try explaining this OVER 20 TIMES to one XXXX after another is NOT what I want to repeat. 
I have found out Synchrony Bank has an average positive score of between 1 and 1and 1/2 out of 5 and it's obvious why since NO-ONE in a position of power will speak to 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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXXExperian XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 3. The following personal information is incorrect Employers : XXXX XXXX 4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

8. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

10. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, 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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently contacted you about a bankruptcy showing on my credit report. You responded back that it was " verified '' after your investigation. Now I am wondering if you really did an investigation at all. I have already contacted the court and in their letter, they stated they do not provide information to credit bureaus. The court is the original source to verify bankruptcy information. I also looked in Pacer as well. I know that you did not do your due diligence in " verifying '' this information because you have the name of the courts wrong. Can you please provide me with the name of the furnisher you verified this information with, who you spoke to, and the dates you contacted them? I would like to know how and where you verified this inaccurate information that is reported under my social security number on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NH

Complaint narrative:
The Mr.Cooper mortgage company completed an " escrow analysis '' of our mortgage in XXXX of XXXX, in which it created an artificial " escrow shortage '' by anticipating property tax payments a full TWO MONTHS before such payments are actually due. On XXXX XXXX we wrote Mr.Cooper pointing out the error, and a subsequent " escrow analysis '' was conducted repeating the same error and continuing to create an artificial escrow shortage for which Mr. Cooper seeks to raise our mortgage payment. Further, despite the " anticipated '' escrow payment used by Mr.Cooper, the actual property tax payment " anticipated '' for XXXX XXXX, XXXX was not actually made by Mr. Cooper ( it isn't due until March ), thus proving there is NO escrow shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Upon review of my credit reports, I have discovered several hard inquiries that should not be present as I have not applied for any services from these creditor. 

XXXX on XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Truist Bank XX/XX/XXXXXXXX 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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate
, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
I received a letter from the New York City Marshals office of a notice of garnishment of wages. The complaint came from Forster & Garber LLP. I contacted both the marshals and the lawyer stating I never had this debt. This debt stems from XXXX of a XXXX XXXX  Credit card. This is something I was unaware. When I questioned this the law firm of Foster & Garber and asked to provide me proof they said documentation was sent but i said never received anything. When asked for proof they failed to provide me any documentation. There is a lapse in time from XXXX interest the XXXX interest. According to the marshals I was contacted in XXXX which was disputed, and nothing came about. Now again contacted again in XXXX no longer able to dispute. I have called the lawyer numerous times to discuss since Monday the XXXX, only called back once. I have only to the XXXX of XXXX to pay this before legal action is taken. I do not know where else to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: I.C. System, Inc.
State: OH

Complaint narrative:
I spent 6 months ( XXXX through XXXX of 2016 getting our bill/account corrected with XXXX. We were finally refunded over {$650.00} of excessive charges after continually calling and then working with a special department at XXXX. 6 months of my time. Our contract was ending that fall. 

Date : Fall of 2016 after all of the hardship we went through with XXXX, we switched to cheaper Military Plan on XXXX  during a special where they paid off any remaining balance on your contract to your provider ( which was XXXX ) and sent back the phones to the provider ( we turned in our phones and they were mailed back to XXXX ). We were present when they contacted XXXX and ended our contract. 

Amount Disputed : {$1300.00} This amount was put on to my credit report. I have submitted a dispute four times through XXXX. We do not owe anything to XXXX. Our account was current by us and paid in full by XXXX  to buy us out of contract to start up phone service with XXXX XXXX. Our contract was paid in full by XXXX when we switched providers. We are still with XXXX to this day.

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 2023-02-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent a letter to XXXX, Transunion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 or 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2023-02-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 or 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2023-02-08 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: NJ

Complaint narrative:
I have XXXX Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/2021 Open/closed Closed Status Chargeoff Past due amount {$4900.00} Fraudulent Account : XXXX XXXX  XXXX Account XXXX XXXX Date opened XX/XX/2021 Open/closed Closed Status Chargeoff Past due amount {$7300.00} Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/2021 Open/closed closed Status Chargeoff Past due amount {$3500.00} Fraudulent Account : XXXX  XXXX Account number XXXX Date opened XX/XX/2021 Open/closed Open Status Late 150 Days Past due amount {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
CHASE XXXX XXXX XXXX XXXX XXXX, IN XXXX Questions? 
XXXX www.chase.com XXXX XXXX XX/XX/2023 Update : Date of Inquiry : XX/XX/2023 Claim Number : XXXX Card ending in : Claim related to Account ending in : XXXX We have updated information about your claim Dear XXXX  We completed our research for the transaction ( s ) you reported on XX/XX/2023. 
Here 's what you should know We found that the transaction ( s ) was processed according to the information you provided or was authorized. 
No adjustment will be made to your account at this time. 
Contact us if you would like to request the information we used for our research. 
If you have questions, please call us at XXXX. We're available Monday through Friday XXXX XXXX to XXXX XXXX XXXX or Saturday XXXX XXXX to XXXX XXXX XXXX 
Sincerely, Customer Claims Department Enclosure 1The term " account '' is used to represent both deposit accounts and prepaid accounts. 

Disputed Transaction ( s ) : Transaction Description Date XX/XX/2023 XX/XX/2023 XX/XX/2023 XXXX payment to XXXX XXXX : XXXX XXXX payment to XXXX  XXXX : XXXX XXXX payment to XXXX XXXX : XXXX Merchant Description ( if available ) Transaction Amount {$400.00} {$500.00} {$500.00} Disputed Amount {$400.00} {$500.00} {$500.00} On XX/XX/XXXX, I had my phone and wallet stolen. The individual used my facial recognition while I was asleep to access my device and log into my accounts and transferred funds using XXXX. I filed a Report with the XXXX. After receiving report I submitted to the bank as proof to show that this was not me and that I didnt approve these transactions. Chase still refuses to add the money back to my account after to attempts. In the mean time the XXXX has issued a subpoena for these fraudulent transfers and the bank still refuses to recognize theses multiple transactions as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Complaint # XXXX The resolution on your behalf continues on and on, day after day, month after month, year after year, because I continue to believe it is a deceitful practice that the CFPB is monitoring. 

Please answer why you continue to avoid the XXXX XXXX Wells Fargo XXXX XXXX, XXXX XXXX ( XXXX XXXX ). court order of unauthorized - Unauthorized activities. Yes, ALL LEGAL DOCUMENTS have been provided to your ARIZONA BRANCHES IN XXXX NUMEROUS TIME BY ME. 

Explain why I have to establish my address over and over to you at your walk in branch offices? 
Why XXXX, Oregon has STILL DOES KNOW MY ADDRESS? What is your intent? Why haven't you changed your activity. 


Please explain why you have difficulty retaining Court orders from the XXXX XXXX, which I am apart of by my obtained legal documents.

I have supplied EVERYTHING to your Arizona Wells Branches in XXXX, Arizona. Please explain why the problem is yours? Why are you still harassing a client. 

Why isn't there accountability with Wells Fargo in resolving all my complaints and wrapping up all business issues you have created for me? 

Please explain why Wells Fargo retracts legal emailed documents from XXXX, Minnesota to me? 

How does a banking customer establish faith in Wells Fargo when its obviously apparent that your banking practices have NOT changed? 

Why is Wells Fargo abusing the XXXX? I am a XXXX customer. 

I do not want to be abused by Wells Fargo. 

I WANT YOU TO STOP IMMEDIATELY!!! 

Your banking harassments of me is UNWANTED. IT IS A HATE CRIME directed by WELLS FARGO TO ME. IT IS ILLEGAL!!! 

Why do you prey on the XXXX? Please answer.

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 2023-02-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Possible Financial Inc
State: IN

Complaint narrative:
I have no idea what this Possible Financial company is that is reporting a negative balance on my report. I have never signed up for a loan in person or online with this company. I have tried to ask for complete verification of this debt, but to no avail. As a requirement of the Credit Bureau and the CFPB debt validation requirement, please detail your firms process of verification and validation for each disputed credit item, and remember, I am following all regulatory rules. See attached formal dispute and complaint.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: MO

Complaint narrative:
In Accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation