vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I have used the Commenity XXXX for about a year making small business charges. Never had a problem, paid my bill in full every month. Last month, paid my XX/XX/XXXX on XX/XX/XXXX and it did not get posted for 16 days so I got socked with a late fee and interest. Complained to company, they waived the late fee but not interest. I again paid the balance in full when I got XXXX bill on XX/XX/XXXX, sent payment on XX/XX/XXXX to avoid this happening again ( thought it could be due to holiday mail rush or something ) My due date is tomorrow and again ( after 13 days ) they have not posted my check. I contacted them through their messaging center, they are blaming the mail. I think they are trying to make money off people that pay their bill in full by making sure they get interest/late fees charged. I can not pay this bill by phone as they pushed me to do as it is paid through our business and I am not authorized to give out our banking info. I checked Commenity 's reviews on XXXX  website, they have a one star rating and it sounds like they pull this stuff a lot. One month, I can understand but now is becoming a pattern. My other credit cards post in XXXX days so they don't seem to have a problem with the mail. I'm not using this card anymore but I really don't want to ruin my credit because of them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06 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: VA

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 2023-02-06 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: IN

Complaint narrative:
Portfolio Recovery Associates is reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of the attached correspondence. Sending me billing statements DOES NOT constitute validation ; it merely establishes the existence of a debt you bought. Read the attached and govern yourselves accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FULTON FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XX/XX/XXXX, I approached Fulton Bank about an issue with my Travel Trailer Loan. I was concerned that the bank was reporting my payment information incorrectly. I had paid off a large portion of my loan but they felt that I was behind on payments when I was actually years ahead of my payment schedule. I was also concerned that the Bank had not afforded me my SCRA benefits over several military deployments. 

After several discussions over the next few months and several in-person visits to a local branch. I was told that the account had been reported incorrectly and I had not been given my SCRA benefits. I was also told that they owed me over {$3000.00} and would correct the issue and close my account. They did send me the money that I was owed but they kept the account open ( although I was assured it would be closed ) and continued to report the account late when it was completely in error. 

Since the account was recently closed, I have tried on several occasions to have the wrong information removed from my account. Fulton Bank told me to submit a dispute with each credit reporting agency and they would correct the issue from their end. I have done that and the information continues to be reported in error. 

Fulton Bank has never made an effort to correct this issue. They know that it was reported in error and had never made an effort to fix it from their end. They made a significant error with my SCRA benefits and now continue to make the issue even worse by negatively impacting my credit.

I have attached the dispute results to this complaint. You will notice that when I first brought up this issue to Fulton in XX/XX/XXXX, I only owed {$2800.00} on the account. So the account would have already been closed if they had applied my SCRA benefits correctly. You can also see my payments across XXXX, which were often {$500.00}, {$600.00} or even {$930.00}. I was doing everything I could to pay this account off early. Any reporting from Fulton Bank that I was delinquent or not a good customer is blatantly false.

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 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Synchrony Bank closed an account that had a perfect payment history, and did so using algorithms that are programmed with bias and error within them. Their actions created damages and I am seeking reinstatement of the account, a written explanation provided to all credit reporting bureaus, and fines and penalties, as I anticipate that this is a systemic issue causing harm and damages to consumers, Synchrony Bank, in taking unilateral actions against my credit worthiness, goes against all messages from XXXX XXXX, XXXX XXXX, and the credit reporting bureaus that had seen my credit score jumping each month. The damages created by Synchrony Bank lowered my credit XXXX score by nearly 7 % and damaged my name and reputation. 

I recently had closed a PayPal account, another SYnchrony organization, because PayPal was using a form of SOcial Scoring, that injected political agenda and bias into credit worthiness and which was being XXXX to seek a social scoring, as is used in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many other politicians. The social Soring system is in direct violation of FCA and regulations regarding credit.

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 2023-02-06 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: MI

Complaint narrative:
The following inquiries I have previously disputed with the CRA and they have failed to provide proof of the fraudulent inquiries with my signature XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Equifax XX/XX/XXXX Credit Info XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 States I have the right to privacy These are all being reported without permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: Experian Information Solutions Inc.
State: TX

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 XXXX, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX and Experian 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 explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was a former customer of Wells Fargo and had my FHA mortgage financed through them from XXXX to XXXX. I would like to have my account reviewed to see if my loan was part of the most recent settlement.

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 2023-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We had a home mortgage with Wells Fargo from XX/XX/XXXX thru XX/XX/XXXX. We were having financial difficulty, as many were at that time. 
We contacted Wells Fargo early on during these troubling times and were invited to apply for a mortgage relief program whereupon the mortgage would be modified to fit more comfortably in our current budget. 
We complied and were told that if we were 3 months behind, that would qualify us for the modification. We were already 3 months behind and were desperate to hold onto our home. 
We applied for the program XXXX, XXXX. We were told that this process will hold off any foreclosure action until approved. This process continued on for 2 years up until we were served with and foreclosed on in XX/XX/XXXX. 
All the while we were promised that our modification was in process and waiting for approval once all the information was gathered although all the information was sent on numerous occasions in the past. We were simply being lied to and stalled until we were unable to make up the payments. 
We were told on several occasions that our loan had been sold to numerous other companies and they would be in touch. We were never told what companies and have since learned they did not exist. 
As a consequence of these actions we were put out of our home of 19 years and left to rent. We lost approx. {$550000.00} in this process not to mention losing our home. 
I recently read where Wells Fargo had been made to answer for these fraudulent foreclosures yet we have not been notified by Wells Fargo. 
I phoned numerous divisions with Wells Fargo and was told our file is not available and they had no record. I attempted to make our address current but they would not take my information. 
I would appreciate any kind of guidance you can offer, Sincerely XXXX and 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 explanation
Consumer complaint received 2023-02-06 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Though I may have a paypal i only ever used it to send and receive money some how my account is saying im applying for credit and im not and believe it maybe fraud.

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 2023-02-06 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: NC

Complaint narrative:
Im a full time college student and had gone out of the country for school breaks and couldnt come back in time because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. As a result, I missed my credit cards payments with XXXX  XXXX XXXX and XXXX XXXX. I also missed a balance assist loan payment with XXXX  XXXX XXXX. I could not contact them because I was out of the country and not feeling well due to XXXX. 
I recently got back to school and contacted them via phone to explain the situation and kindly asking them to remove the late payments on my file. I assured them that I plan to repay my loans in 4 days time. However, they said they could not remove the late payment reported to the credit beuareus. My XXXX XXXX has been heavily hit by those late payment reports. So Im trying to kindly get the late payment reports removed from my credit score. 

Im attaching a screenshot of an email send by the provost of my college to all my professors excusing me from moving back on campus during the time I had XXXX and out of the country.

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 2023-02-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XXXX a full time college student and had gone out of the country for school breaks and couldnt come back in time because I tested positive for XXXX while I was out of school. As a result, I missed my credit cards payments with Bank of America and XXXX XXXX. I also missed a balance assist loan payment with Bank of America. I could not contact them because I was out of the country and not feeling well due to XXXX. 
I recently got back to school and contacted them via phone to explain the situation and kindly asking them to remove the late payments on my file. I assured them that I plan to repay my loans in 4 days time. However, they said they could not remove the late payment reported to the credit beuareus. My credit score has been heavily hit by those late payment reports. So Im trying to kindly get the late payment reports removed from my credit score. 

Im attaching a screenshot of an email send by the provost of my college to all my professors excusing me from moving back on campus during the time I had XXXX and out of the country.

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 2023-02-06 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: MS

Complaint narrative:
Fraudulent information pertaining to XXXX XXXX information is being held against me that doesnt belong to me. Wrong person account is fraudulent. XXXX XXXX and XXXX XXXX needs to be deleted from all XXXX credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX made me an offer for a credit card, by asking me what I wanted. And they provided me with a credit card that did not provide anything that gives me the benefit that I told them that I wanted. I believe that this was an invasion of my privacy and was a deliberate attempt to breach my privacy and deny me access to proper credit for travel. What I received was a teaser card that doesn't offer anything I was lured in with. The company is dishonest with bate and switch tactics that do little to nothing to harm the consumer. They give credit lines against my credit that are prohibitively disabling from helping to achieve my goals based on the offer made to Airline milage rewards. I was mislead into a card that fails to help me meet my goals. They accessed my trust and have been paid, yet they deny me my fair due of credit by assigning me to a card that is woefully insufficient and a violation of the Fair credit act as XXXX XXXX deliberately invaded my privacy with intention to defraud me by baiting me with a travel card but then switched to something I least wanted. I would not have answered if the had been forthright and honest as they are supposed account to GAAP ( Generally. Accepted Accounting Principles ) rules. 
On the XXXX of XX/XX/2023 and they gave a different card that didn't match the promise offered. Instead it's supposedly offers cash back that never comes.

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 2023-02-06 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: CA

Complaint narrative:
XXXX XXXX made me an offer for a credit card, by asking me what I wanted. And they provided me with a credit card that did not provide anything that gives me the benefit that I told them that I wanted. I believe that this was an invasion of my privacy and was a deliberate attempt to breach my privacy and deny me access to proper credit for travel. What I received was a teaser card that doesn't offer anything I was lured in with. The company is dishonest with bate and switch tactics that do little to nothing to harm the consumer. They give credit lines against my credit that are prohibitively disabling from helping to achieve my goals based on the offer made to Airline milage rewards. I was mislead into a card that fails to help me meet my goals. They accessed my trust and have been paid, yet they deny me my fair due of credit by assigning me to a card that is woefully insufficient and a violation of the Fair credit act as XXXX XXXX deliberately invaded my privacy with intention to defraud me by baiting me with a travel card but then switched to something I least wanted. I would not have answered if the had been forthright and honest as they are supposed account to GAAP ( Generally. Accepted Accounting Principles ) rules. 
On the XXXX of XX/XX/2023 and they gave a different card that didn't match the promise offered. Instead it's supposedly offers cash back that never comes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: CA

Complaint narrative:
XXXX XXXX made me an offer for a credit card, by asking me what I wanted. And they provided me with a credit card that did not provide anything that gives me the benefit that I told them that I wanted. I believe that this was an invasion of my privacy and was a deliberate attempt to breach my privacy and deny me access to proper credit for travel. What I received was a teaser card that doesn't offer anything I was lured in with. The company is dishonest with bate and switch tactics that do little to nothing to harm the consumer. They give credit lines against my credit that are prohibitively disabling from helping to achieve my goals based on the offer made to Airline milage rewards. I was mislead into a card that fails to help me meet my goals. They accessed my trust and have been paid, yet they deny me my fair due of credit by assigning me to a card that is woefully insufficient and a violation of the Fair credit act as XXXX XXXX deliberately invaded my privacy with intention to defraud me by baiting me with a travel card but then switched to something I least wanted. I would not have answered if the had been forthright and honest as they are supposed account to GAAP ( Generally. Accepted Accounting Principles ) rules. 
On the XXXX of XX/XX/2023 and they gave a different card that didn't match the promise offered. Instead it's supposedly offers cash back that never comes.

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