vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: OK

Complaint narrative:
On XX/XX/2023, I received an email from Way2Go stating that my bank transfer had been successful. The email stated " Your request to transfer {$240.00} from your Way2Go Card to your bank account was successful. For more information or to request a new transfer, please dial the phone number on the back of your card. Please note a fee may apply. '' I did not authorize for {$240.00} to be transferred to my bank account. I quickly checked my bank statement online and noticed that {$240.00} had been transferred to XXXX with the transaction code XXXX. I was also charged a {$1.00} transfer fee. I do not know what XXXX is so I XXXX it to see if I could find a contact number for them, but I could just tell that they have prepaid cards. I had not made any funds transfers prior to XX/XX/2023. I have automatic transfer set up now to my XXXX XXXX XXXX XXXX bank account because I do not want my money stolen again. 
I called Way2Go on XX/XX/2023 at around XXXX XXXX to report the fraudulent charge and to cancel my card and request a new card. I was told that my card was cancelled and that I would get a new card in the mail. I also spoke with someone in the fraud department and explained everything that happened and she said that I would be receiving a form to fill out and mail back to them explaining the fraud. They said that I would have 14 days to return the paperwork. I received the form in the mail on XXXX XXXX, but the form was dated XX/XX/2023. I filled out the form and mailed it back on the same day I received it in the mail, XX/XX/2023. Up until today, XX/XX/2023, I had not heard anything back from them. I called the fraud department today to get an update on my fraud claim. I spoke to someone that told me that my claim was closed and that no fraud had been detected. He said that I was mailed a letter on XX/XX/2023, but I did not receive a letter or any communication from them after I mailed the fraud form on XX/XX/2023. I explained to the person on the phone that I did not authorize the transaction and asked what steps were taken to determine that the charge was not fraudulent. The person just told me that all I could do was fill out a police report and that they might be able to appeal the decision. I will file a police report and send it to Way2Go, but I should not have to do this. I am not sure that they even investigated my claim. I will take them to court if the {$240.00} that was stolen from me is not put back into my account and my claim is not investigated to the full extent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
Greetings, I Am A Victim of Predatory Lending Practice Involving American Credit Acceptance. I purchased this XXXX XXXX XXXX In XX/XX/XXXX for about XXXX I Was Not Aware that the vehicle was an Interest Bearing Loan. AS of today. I STILL Owe about XXXX which is way more than what I Paid for the Car. 

I was rushed through the closing process by the finance guy who was closing the deal. 
I was trying to read the documents. He rushed me through, he insisted that it could take all day if I tried to read all of the pages in the packet. At that time my Concern was the High Interest Rate. He reconfirmed the rate and advised that I could pay more to pay the loan off quicker. ( Thank XXXX  I Inquired Months Later and RE-Confirmed the Paper Work Prior to Paying More. At That Point I Never Bothered About Paying More ) I Inquired about my balance and dissatisfactions several times about 16 months after the purchase in an Effort to pay the loan off sooner. 

I Also, Inquired and Expressed My Frustrations and Concerns On Another and Several Occasion. On Another Occasion I Experienced A Hardship and Asked for A Deferment Due COVID and Another Natural Disaster. They Escalated me to another department. 

I Informed Her Of My Concerns and the Hardship that I was having. She was No Help In Resolving My Concern As It Related to the Interest Bearing Loan. She Advised the Only Way I Could Get Assistance for a Deferment was if I Completed the Documents that she emailed to me which Included and Amendment Document to my Complaint Since I Brought My Concern to their Attention. 

( I Would Like for That Recording to be Pulled and Reviewed which was the Same Day As the Conversation of me Expressing My Concerns and of the Deferment ) American Credit Acceptance Literally BULLIED ME! Into Signing the Deferment Document Along with ADDED Documents of my Complaint. SHAME ON THEM! 

In Good-Faith I Am Currently Paying This Loan In The Mist Of Me Being A Victim of UNFAIR HARSH LENDING PRACTICES. I Am A Woman of Character. I Believe In Paying My Bills On Time. 

Life Happens! When It Does Companies Should Not Be Allowed to Prey On People who are Dealing with Valid Hardships. 

Please Provide Me Guidance On Filing A Law Suit. Thanks. 

Prayerfully, XXXX XXXX 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 2023-04-21 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: Synovus Bank
State: TX

Complaint narrative:
After the good faith adjustment was honored and reported to remove all negative impact reporting to all Credit Bureaus ( XXXX, XXXX XXXX XXXX ) there was a new inaccurate 120 late pay reported to the bureaus for XX/XX/XXXX. I paid off this account in full in XXXX of XXXX, the account has been closed since XXXX and my good will letter was honored to remove all of the previous negative reporting but a new 120 late pay was added for XX/XX/XXXX. I am in the process of buying a house and this inaccurate reporting can cause me to loose the house of my dreams as well as be homeless because I have already given notice to move out of my current home. I need this inaccuracy corrected TODAY and reported to the Bureaus so that I can complete my homebuying process. I cant wait until the next reporting on XX/XX/XXXX, I need this corrected immediately. I truly appreciate your consideration and thought to my situation in advance. I have attached the written requests sent directly to the creditor as well as the statement sent to me showing last payment date, {$0.00} balance owed and account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hi. I had an identity theft on a Bank of America credit card. It was reported to them and they investigated. I received a letter in the mail saying I was not responsible for this debt and Bank of America would notify the credit bureaus. They also dont need a new card with a new credit card number obviously. Now, a few months later they are calling me saying I owe the debt and its back reporting on my credit reports. What is wrong with Bank of America and why do they use these sleazy illegal tactics. This needs to be removed

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 2023-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase reversed a credit on my account for {$7500.00} payment they had received and didn't return my $ $ XXXX I called, faxed documentation they requested, no response. All documentation was faxed, per Chases supervisor XXXX instruction @ XXXX XXXX branch to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Debt sent to collectors and collectors have been calling daily more than once a day. I have tried to explain repeatedly that the debt is not mine and there should be not debt. They continue to call daily again several times a day and are rude nor will let me speak if I answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: IN

Complaint narrative:
There has been a collection placed on my account with XXXX. It has shown to me from multiple credit access accounts several different amounts, dates it was opened on etc. 

This amount has not been validated through a judgment nor a wet signature from me. 
I spoke with XXXX about these issues ( after promptly sending letters and disputing on multiple occasions ), we spoke on XX/XX/2023 and they confirmed that they are reporting inaccurate amounts for XXXX and XXXX and have put this in dispute via telephone. 

This will be my complaint amongst multiple.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
On XX/XX/2021, I was informed by Rocket Mortgage that I needed to execute a Partial Claims Mortgage with HUD in the amount of {$26000.00} in order to proceed with the sale of my home, which transaction was scheduled to sold on XX/XX/2021. I executed the Partial Claims Mortgage, as requested, in order to satisfy the monies owed due to deferred payments due to XXXX. I was my understanding that this amount would be paid off at closing with the sales funds. It was NEVER disclosed to me by Rocket Mortgage that this was a three-party debt and that Rocket Mortgage would be paid the funds, pay off FHA, but then would create a separate debt with HUD that would not be paid a closing. One year later, I received letters from HUD which I honestly thought were fraudulent because I had no idea about the outstanding debt and the correspondence was asking me to sign agreements and submit financial information. 

Once I was able to speak to HUD, the title company, Rocket Mortgage and review the documents, I was finally able to understand what happened. However, now I have collection actions against me and negative reporting on my credit and am unable to enter into a repayment plan. 

I feel that Rocket Mortgage was negligent in their duty to me as a consumer and misrepresented the transaction that I was entering into. As a matter of fact, during a conversation with one of the representatives at Rocket Mortgage, he even admitted that is it not explained clearly to the consumer. I feel that Rocket Mortgage acted in bad faith and was only concerned with receiving their money and not at all concerned with ensuring that their customer is fully educated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I put in a request to update my credit report status to paid as agreed with no late payments reported back on XX/XX/2023 and I have not received a conclusion to my dispute. No correspondence by email nor mail and it is a clear violation to FCRA with investigating my dispute in a timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: OH

Complaint narrative:
I put in a request to update my credit report status to paid as agreed with no late payments reported back on XX/XX/2023 and I have not received a conclusion to my dispute. No correspondence by email nor mail and it is a clear violation to FCRA with investigating my dispute in a timely matter.

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 2023-04-21 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: MI

Complaint narrative:
I wrote Trans Union regarding an error on my bureau. ( Account XXXX XXXX XXXX # XXXX ) regarding errors, I noticed with the payment rating, balance. 

***Transunion was to update my report after investigating : Transunion duty is to provide Notice of dispute : VIOLATION 15 USC 1681 S 2 ( A ) ( 3 ) : requires credit reporting agencies to investigate and correct inaccurate or incomplete information The error in question relates to the PAYMENT RATINGS on my bureau XXXX XX/XX/XXXX ***PLEASE REVIEW MY PAYMENT RATING AND HOW IT IS REPORTED Ive been disputing this for YEARS and Trans union has FAILED to provide me with CORRECT Payment Rating Data XXXX-VIOLATION OF 15 USC 1681 S 2 ( A ) ( 3 ) TRANS UNION REPORTS : LAST PAYMENT WAS MADE ON XX/XX/XXXX : If last payment was made on XX/XX/XXXX how can there be any late payments reported prior to XX/XX/XXXX? Please see highlighted ***MY CREDIT BUREAU SHOULD BE MARKED AS DISPUTE REINVESTIGATION INFO SHOULD STATE DISPUTED PLEASE SEE DATE UPDATED ON MY BUREAU : LAST UPDATE AS XX/XX/XXXX Please see the Highlighted Response from Trans Union Trans Union Failed to conduct a reasonable investigation Under 15 usc 1681i : Failed as a data furnisher Trans union to conduct a reasonable investigation. 

XXXX violated 15 USC 1681s-2b XXXX XXXX was not listed or updated on my bureau with the dispute FCRA states Trans union is required to investigate disputes and correct any errors within in 30 days, however after years of disputing this information, Trans union has FAILED to meet this obligation and has CONTINUED to report the inaccurate information instead of correcting it.

As a result of Trans union FAILURE to comply with 15 U.S.C 1681s-2 ( a ), I have suffered harm to my credit score, insurance policies, and refused employment.

I plead you thoroughly see the the violation and ensure this incorrect info is removed immediately from my report, and take the proper steps that will prevent Trans Union from violating others such as myself under FCRA.

I reserve the right to to take legal action to enforce my legal rights under the FCRA.

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 2023-04-21 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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 2023-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Synovus Bank
State: MS

Complaint narrative:
I received an offer from Synovus XXXX XXXX with a credit limit of XXXX after reading more on this card issuer I immediately canceled without ever having used or activated the card. ( the offer stated that I could cancel within 30 days if I had not used the card ). 
I recently checked my credit report and find that they report that I opened the account in XX/XX/2021 ; was then 30 days past due in XXXX and charged off by XXXX. 
First I can not be 30 days past due one month after an account has been opened. Neither can I be past due on a card thats never be used or activated. And then from open to close in 60 days they charge off an account that never had a balance to charge off. Ive requested they remove this information and they refused. This information is misleading to say the least and very damaging to a credit report, not only that it is fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: FL

Complaint narrative:
I submitted a complaint in XX/XX/2023. I requested for unauthorized items listed on my report be removed. I attached all documents needed to complete this process, but only selected items were removed. Per the FCRA, section 609, I am requesting all information pertaining to the attached inquiries.

I am legally entitled to all documents related to each item, please include each original credit application and contract containing my signature. 

If you are unable to meet my request, please remove all 3 inquiries attached. I am allowing 15 days for all items attached to be removed.

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 2023-04-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 fumnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-04-21 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 fumnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: FL

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-04-21 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: IA

Complaint narrative:
I inquired about the date of my first delinquency, and they took over 6 weeks to look into it and came back saying the last activity date was correct. They didn't even look at the delinquency date. The CFPB does nothing too. All of these companies are corrupt and do not care about anyone. 6 weeks to not even look at the one thing I inquired about. Unbelievable. They can report misinformation on your credit report for years and get away with it.

Company response to consumer: Closed with explanation