vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Hello- I would like to lodge a complaint about this credit company - I bought a pair of boots for approx {$65.00} - it was with TJX and it was a new store so I filled out an application for a new account with all of my personal information - email address, phone number etc. I was approved and bought the boots. 
Then we moved - all of our creditors bills were sent to the new address and everything was paid on time. Except with this company. 
The parent company if Synchrony Bank and I have other accounts with this Bank ie JC Penny - so they have many ways to contact me. However, I never received a bill from TJX.

Because I never received a bill, TJX started to add on interest charges and two years later I receive a letter from XXXX XXXX that I now owe {$180.00}. 
I have tried to negotiate a more reasonable amount like {$75.00} or whatever but this is highway robbery and it is unethical. If it has happened to me then it has probably happened to others - I am XXXX years old and this may be happening to many seniors in our country.

I would like to find a resolution to this matter. Please help. 

XXXX XXXX XXXX XXXX XXXX XXXX, CT 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 2022-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I notice some inquiries on my report that I did not authorize. Here are the list of inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15 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: SC

Complaint narrative:
Regarding my consumer report with Equifax, I have come to recognize errors in accounts that are shown on my report. As listed : XXXX XXXX XXXX XXXX XXXX ( listed as a closed charge-off. Balance of {$340.00} ; Past Due Balance of {$450.00} ; Date Reported - XX/XX/XXXX ; Date Opened - XX/XX/XXXX ; Date Closed - N/A XXXX XXXX XXXX XXXX XXXX  listed twice ) a ) Status Unpaid ; Owed - {$170.00} ; Date opened - XX/XX/XXXX Status Date - XX/XX/XXXX b ) Status Unpaid ; Owed - {$150.00} ; Status Date - XX/XX/XXXX There are other accounts on my credit report that are not listed here in this list that I wish to have reviewed, considering Equifax 's most recent data issue. I would like for the above-listed items to be corrected and removed, promptly. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DE

Complaint narrative:
I was issued a Cashier Check for the amount {$1200.00} payable to XXXX XXXX from my credit union ( XXXX XXXX XXXX XXXX XXXX XXXX ) as part of a debt consolidation loan. The Check was mailed into my creditor ( XXXX XXXX XXXX XXXX ). The check never reach XXXX instead it was cashed by HSBC which do not service my credit card. My bank and I have repeatedly since XX/XX/2022 reached out to HSBC to return funds to my bank or myself but keep getting the run around. HSBC has acknowledge to my bank they have the funds but have not returned. My banh XXXX has tried to help recover the funds but are now saying it is nothing they can do further. I do not have any accounts with HSBC and am getting nowhere in getting my funds back. This has been going on for 9 months and as the consumer I am out of my money while both banks are mot fixing the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2022-08-15 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: LEXISNEXIS
State: FL

Complaint narrative:
XXXX reports a bankruptcy on my report from the state of Connecticut. XXXX did not verify the information with the court but with Lexus Nexis. Lexus Nexus did not verify the information directly from the court per federal statue. XXXX and Lexis Nexus is posted of a XXXX is either a mistake or a lie. I have asked them to remove it as it's in violation of validating information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I received a copy of my credit reports, to my surprise these credit bureaus are reporting these accounts listed below inaccurately. These collection accounts is reporting not only as open but also shows a past due balance. According to the FCRA, I have the right to an accurate credit report. Please delete these accounts immediately from my credit report. I have provided attachments to this complaint of proof of inaccurate reporting on my credit report. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I received a copy of my credit reports, to my surprise these credit bureaus are reporting these accounts listed below inaccurately. These collection accounts is reporting not only as open but also shows a past due balance. According to the FCRA, I have the right to an accurate credit report. Please delete these accounts immediately from my credit report. I have provided attachments to this complaint of proof of inaccurate reporting on my credit report. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: GA

Complaint narrative:
XXXX XXXX  has reported my account being late for the month of XX/XX/XXXX. I have contacted them and they refuse to correct the inaccuracies. Attached you will find a copy of my payment history. XXXX XXXX  is illegally reporting information to all 3 credit report agencies. I was made a late payment of XXXX on XX/XX/XXXX and I made 2 payments of XXXX ( XXXX ) on XX/XX/XXXX. The balance of the loan even shows reporting incorrectly.

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 2022-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RUI Credit Services, Inc.
State: MA

Complaint narrative:
XX/XX/XXXX XXXX  XXXX XXXX contacted by " RUI credit services '' stating I owed {$440.00} from XXXX XXXX XXXX XXXX ) for an apartment my former company, XXXX XXXX XXXX XXXX, owned but sold in XXXX ( address XXXX XXXX XXXX XXXXXXXX XXXX XXXX ). They said the debt was from XX/XX/XXXX. I informed them that this was impossible as all of my apartment units were all rented prior to the time I sold the property and tenants were responsible for all of their utilities. He was rude, robotic and repetitive. 

I immediately then called XXXX for further inquiry. They informed me that my account was paid in full and I only have one active account under my name for my personal residence, also with a XXXX balance. I then called RUI and spoke to XXXX, to inform them of these findings as well as stating they are part of a scam company. Also, XXXX stated they do not even handle collections in this manner ( XXXX XXXX XXXX ). The RUI representative said they would send it to another collection agency. XXXX was unwilling to give me their corporate, physical address, but only a po box address where I could " send the check. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
They refused to take a cashiers check payment from my bank, drawn from my account and with my name on it, unless I gave them my Social Security number and signed a formal credit application I presented my valid California drivers license as proof of my identity, and it matched the name as payor on the cashiers check. 

Why would I need to fill out a credit application if I was not seeking credit? And why would I have to provide a Social Security number if theyre not running credit? Its not as if the Department of Motor Vehicles has my Social Security number and they have to verify it In order to accept my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: NY

Complaint narrative:
I went to buy a new car and was told that only XXXX XXXX  would be used and it more than that has appeared on my credit report as shown below in attachment via Identity Theft Report.

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 2022-08-15 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:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXXXXXX XXXX  XXXX. 
OPENED : XX/XX/XXXX XXXX. XXXX XXXX CREDIT OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX ( XXXX XXXX ) OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX CO. 
OPENED : XX/XX/XXXX XXXX. XXXX THEFOLLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2022-08-15 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: OH

Complaint narrative:
Hello- XXXX XXXX XXXX XXXX XXXX XXXX XXXX that uses Wise.com to make international payments to offshore contractors ( mainly programmers ). I made two transfers : 1.  XXXX XXXX for {$6700.00} 2. XXXX XXXX for {$5100.00} The money was withdrawn from my checking account on both occasions ( XXXX XXXX and XXXX XXXX respectively ), but I was informed the transfer was put on hold pending some documentation. I later received an email requesting verification of my co-founders birth date, that I promptly provided.

On XXXX XXXX I received an email stating everything looked good with my account. However my transfers have still not been made, and despite sending multiple emails and making multiple calls to the Wise customer support team, I have not been given any reason as to why the transfers have not been completed or where my funds currently are.

I believe this is a systematic problem with Wise as several consumers and small business have indicating that their funds have gone missing after attempting to using Wise : XXXX XXXX XXXX I urge the CFBP to kindly investigate their practices and help us consumers get back our hard earned money. Thank you. 

Best,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
My mortgage has switched companies over the years from XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX to XXXX XXXX and now Fay Servicing. My mortgage has not been reported to credit bureaus in several years and explained to be because I deferred some payments in a modification with XXXX. There is a deferred balance on my current mortgage statement that exceeds the amount of payments I was behind and I'm told I can not make payments towards the deferred amount unless my principle is paid off which basically doesn't allow me to refinance. I pay an average of XXXX $ payments for decade that only XXXX $ s goes towards principle monthly. My interest rate is 4.25 %. I have sent multiple emails to ask for assistance on getting mortgage to have one balance and I keep getting a reply I will get a call within 48 hours. I attempted to contact on XX/XX/XXXX and XX/XX/XXXX. As of today 's date XX/XX/XXXX I have not received a call back. I do get occasional emails that I am part of a class action suit involving one of the parties that once handled mortgage ( XXXX ) but the notification does not come from Fay. I can't get Fay to speak with me on how to get my mortgage under feasible control. When I bought my home in XXXX they split loan into mortgage with XXXX home loan and an equity loan. Against my wishes my XXXX bankruptcy attorney included that equity loan in XXXX XXXX stating not responsible for payments but XXXX XXXX who has that debt does have lien on my home despite what my attorney stated and has since apologized for misleading me. In short, I have paid so much toward my home with nothing to show for it but owing more on it than original purchase price and whenever I've asked for explanation from previous mortgage handlers, I get notified my mortgage is switching hands and to take up with them. I can't get current mortgage holder ( Fay ) to respond at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Comerica
State: TX

Complaint narrative:
On XX/XX/2022, I entered Comerica Bank, located in XXXX, Texas with all of the pertinent required credentials to open a business checking account. I presented to the banker my EIN Documentation, XXXX Documentation ( Filed in XXXX XXXX ), and my unexpired photo identification ( Texas ID ). I explained to the banker, my XXXX is in the name of XXXX  versus the EIN in the name of XXXX XXXX. It was at that time I explained to her I am in the process of incorporating and the name of the company will be registered as XXXXXXXX XXXX  XXXX XXXX. Assuming everything was okay, I signed documentation for the newly opened account. If there was a problem at that time the banker was in possession of my identification, to include company documentation, and was privy to my social security number, could have easily utilized my SSN rather than the EIN to establish the account. On XX/XX/2022, I received a phone call informing me the account was closed, with no adequate explanation given. I was told, my identity could not be verified, then I was told there was problem verifying my company, and still Comerica have yet to provide me with an adequate explanation as to why I was denied the opportunity to open a business account. I cant help but feel that my XXXX  may played a part in how I was treated, which brings into question, how people of XXXX are treated at Comerica Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: NY

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unfair items on my report. ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( A ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Please note that you HAD 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ). It has been well over 60 days and still nothing! 
Your FAILURE TO POSITIVELY VERIFY THESE ACCOUNTS has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed. I demand these accounts to be REMOVED before legal action is taken.

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 2022-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
i have no knowledge of this account and i did not authorize this account

Company response to consumer: Closed with explanation