vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-03-07 00:00:00
Product: Credit reporting 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:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Can you delete All the addresses on my Credit report i only live one place

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 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
My Verizon Visa Card with Synchrony Bank on 3 monthly bills over the last 12 months has tried to charge me late fees and interest by sending my bill at the very last moment. On the first time I called them, and the person I talked to convinced me to send the minimum payment through my computer. I do not like doing this. I keep as little financial things on my computer. He told me I needed to send my payment by mail at least 7 days before due date. I told him we get our mail late in the day and mail it out the next day because they send their statement so close to the due date, and this payment was sent 10 days before the due date. XXXX or 4 days after sending the electronic payment they sent me an email saying they had received my payment the same day I sent the minimum payment. The second time I sent my payment by mail and they finally sent an email that my payment had been received 3 days after I noticed it in my bank statement. The last time ( bill due date XX/XX/2024 ) we received the statement in our mail on XX/XX/2024 ( see XXXX informed delivery attachment ). We sent the payment on XX/XX/2024 ( can not show photo of check because the use ARC, see attachment of bill ). On our XX/XX/2024 bill they charged me a {$30.00} late fee, and {$14.00} interest. When I called them ( XX/XX/2024 ) their automatic phone system removed the late fee. I then ask for an operator. talking to him he said that the auto system had removed the late fee, but they could not remove the interest. He said If I mail my payment in I should allow at lest 7 days. I told him they had sent my bill late and I had sent it in 8 days before due date. I then ask to speak to his supervisor. He refused. Later that day I made a second call and spoke to a woman ( with chickens in the background crowing ) and she transferred me to another woman. she apologized and said they would remove the {$14.00} interest charge. As of XX/XX/2024 the {$14.00} charge is still on my account. Synchrony Bank uses the ARC system on my payments because they get their money faster. If the ARC system is so much faster why has it taken as much as 15 days for the check to clear? I checked my records and my payment on other credit cards that do not use ARC only take 6 to 10 days. Again I ask that the interest charge be removed because Synchrony Bank does not give me time to pay my bill. If they do this to me how many other customers are the doing the same thing? Is this a ploy to increase profits? Send your bill earlier, or change the due date.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2024-03-07 00:00:00
Product: Credit reporting 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:
I am writing to bring to your attention a matter of significant concern regarding my credit report. Upon a recent review, I discovered what appears to be a fraudulent account listed on my credit report, which I believe has been opened without my knowledge or authorization.

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 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo closed XXXX of my XXXX plus accounts I have with them because they said i don't have a physical address with them ( which i did ). They then sent a check for {$8600.00} to my physical address! I don't get mail at my physical address. i have called them multiple times spending hours on the phone. I asked for a XXXX to call me, which they said they would have someone call me within XXXX hours, which of course i never got the call. It's been over a week since the promised of a phone call. 
I want my money back with 5 % interest for the time they have confiscated it. 

my filed complaint with them is 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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against Equifax with the Consumer Financial Protection Bureau ( CFPB ) regarding their failure to respond to my dispute. 
On XXXX, I mailed a dispute letter to Equifax via USPS with tracking number XXXX XXXX XXXX XXXX XXXX XXXX. The letter was picked up on XX/XX/XXXX. However, to date, I have not received any response from Equifax regarding my dispute. 
According to the Fair Credit Reporting Act ( FCRA ), credit bureaus such as Equifax are required to investigate consumer disputes within 30 days and provide a response. Equifax 's failure to respond to my dispute within the mandated timeframe constitutes a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Sears continues to maintain that I am past due in damaging my credit rating on their computer-generated XX/XX/2024 Statement in the amount of XXXX on a late fee that I believe was carried over from a reversed late fee by phone on XXXX in XXXXXXXX XXXX XXXX as I did not receive a XX/XX/2024 Statement before XXXX by mail. I brought my account current on XXXX by paying {$61.00} over the phone and was told that my {$29.00} late fee would be waived. On XXXX I paid my XXXX quoted fee of {$62.00} early before XXXX in XXXX 's billing computer generated carryover of {$150.00} for XXXX consecutive billing cycles. If you add {$61.00} ( XXXX ) and {$62.00} ( XXXX ) and the alleged late fee in XXXX it will equal {$150.00}. I will continue to dispute late fees in the amount of {$29.00} in the computer-generated XX/XX/2024 statement for {$110.00} due XXXX. On XXXX, I sent an electronic check for {$90.00} in disputing the additional {$29.00} late fee carryover for XX/XX/2024 's statement. 

Sear continues to call me ( since XXXX ) demanding a late fee payment ( {$29.00} ) and demanding early payment of the next business cycle. This has happened three times since XXXX to present. {$210.00} has been paid in fees over the last three billing cycles. {$29.00} in alleged late fees is disputed over the period. Complaint was made to the CFPB # XXXX. Sears has allegedly retaliated with a text dating XXXX telling me that my account .. '' is or may be restricted. '' Another complaint to the CFPB will ensue. I will continue to make complaints to the XXXX  and CFPB until Sears corrects their records and eliminates the incorrect alleged late fee/s moving forward. Sears is not to harass me by phone, text or mail about the alleged late fee/s any further and shall answer these XXXX  complaints as well as the CFPB complaints.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I had a mortgage with SPS they sold my mortgage to XXXX XXXX in XX/XX/XXXX. I paid the home off through XXXX XXXX which reflects on my credit report in XX/XX/XXXX. The problem is Select Portfolio Servicing is still reporting my mortgage as open. I have been reporting this to the company Sps and all credit reporting agencies still to no avail. At this point it's affecting my credit and me purchasing a home I don't know what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need 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 2024-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I opened a Paypal account to receive some money for marketing services I do. It was in XXXX, I ony got XXXX dollars payment, but the platfrom puts minimun withdraw of XXXX dollars, so I was blocked by them.Moreover, this year I received a Payment of XXXX dollars and I used the PAYPAL SERVICE, trusting in their good will, but what has been happening is the worst nightmare ever.It happened on the first week of XX/XX/XXXX Once I tried to transfer the money to my bank account, they starting asking me so many documents to, confirm my address and identity, and refusing to do transactions because and slash or dot on the document or any single issue, even a comma,, every single issue that is useful for them to avoid the transfer, they have been using that against me.THey are acting like enemies, trying to keep the money from people from XXXX, avoiding and putting odds, to transfer money to banks accounts.I wonder whats the purpose of such these financial platfroms, to make the proccesses difficult and tough for international customers and provide a lousy service?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
We have XXXX business bank accounts with TD Bank. TD Bank Account # XXXX and TD Bank Account # XXXX for XXXX XXXX XXXX, XXXX and TD Bank Account # XXXX for XXXX XXXX XXXX XXXX. I have personally visited the bank on XXXX occasions, called them on recorded lines at least XXXX XXXX and sent XXXX emails including a written official letter. We were told someone name " XXXX '' in their XXXX XXXX Department is investigating our accounts which were frozen on XX/XX/2024. Subsequently, I visited the bank and called on numerous occasions which I was informed XXXX wires were in question and given dates. I called both clients ( with wires in question ) they were both happy with our company, so I drafted a letter on XX/XX/2024, with the clients ' names, phone numbers and exact wires and emailed XXXX XXXX. Since then, I have received no written or oral correspondence from anyone at TD Bank. So, on XX/XX/2024 I called XXXX XXXX who was very rude to me and literally almost challenge me to a face-to-face fight to come to her bank branch. So, I wrote a written complaint to her and yet no response. I followed up with another call on XX/XX/2024 on XXXX ( Fraud Dept ) I was promised it would be resolved by XX/XX/2024 and I would receive a call. I have not received XXXX written or verbal response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I closed on my home in XX/XX/2023. I was instructed to pay XXXX taxes in the amount of roughly {$6200.00} at closing. The bank/their servicer then double-paid the school taxes and deducted the roughly {$6200.00} from my escrow. I alerted them to the double payment, which they acknowledged, and it took them several months to cooperate with the town 's process to get a refund. Over a month ago now, I was informed that they had received a refund from the town and that the next step was to credit my account. I have now called several times and they have failed to return my calls, and continue to fail to credit my mortgage escrow account. The result is that the bank misappropriated roughly {$6200.00} of my money without my permission, has failed to return the money to me for about XXXX months now, was refunded by the municipality who received the double payment, and now has failed to credit me for the misappropriated money and interest for over a month. To add insult to injury, they have failed to return my calls for XXXX weeks now. This is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
On XXXX XXXX an hard inquiry showed up on my report and it was not 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 explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I have requested, on multiple occasions, XXXX things from Portfolio Recovery. XXXX. To contact me outside of my work hours. I have verbally requested that this company contact me after XXXX XXXX XXXX as I am at work and can not risk losing my job for taking these calls. XXXX. To provide actual proof that I owe this debt. I am requesting proof of everything affiliated with this account. How was this debt obtained? Online application? In person application? Were there payments made? I need all of the account history, so I may proceed properly. 

I was called early this morning and when I advised the representative of my repeated asking of having them call after XXXX, i wad told well call another time. Again, i told the representative XXXX that anytime before XXXX is not a good time to call me. She agaIn repeated they will call at another time. When I mentioned the FDCPA, the representative disconnected the call for some reason?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-03-07 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In XX/XX/2023, Rooms to Go and BrandsMart who bank is the same, Synchrony Bank closed my store credit card. Rooms to Go limit being XXXX and BrandsMart being XXXX. I have never been late. I have always paid more that the minimum payment and paid in full even before the promotional offer expires. The reason that they have provided of closing the account is unacceptable, which they say was due to randomly checking my credit, since I only granted them permission to check my credit one time and that was the time in providing me with the initial credit. Now these closed accounts sit in my credit profile and have decreased my score. There was no communication or warning that this was being done or about to happen. When I went to purchase an item that is how I was being made aware of the closure.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX b ( permissible purposes ) read that XXXX XXXX XXXX read all of it On XXXX XXXX National Credit Systems added a balance of {$4400.00} from the apartment complex called XXXX XXXX XXXX The amount was from a lease of a deceased individual in relation to me. I was just a tenant in the apartment. This company did not have my permission to put this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: First Technology Federal Credit Union
State: TX

Complaint narrative:
I need assistance regarding an issue of identity theft and unauthorized account opening at First Tech Federal Credit Union. On XX/XX/XXXX, my identity was compromised, leading to attempts to open multiple credit cards and bank accounts in my name without my consent.

Immediately upon discovering these fraudulent activities, I took proactive steps to secure my financial identity : 1. I notified all three major credit bureaus ( XXXX, XXXX, and XXXX ) about the identity theft and placed a lock on my credit to prevent further unauthorized activity. 
2. I contacted all financial institutions involved, informing them of the fraudulent account openings and requesting the closure of these unauthorized accounts. 

All institutions, except for First Tech Federal Credit Union, have acknowledged the situation and have taken appropriate actions to assist in resolving this matter. However, First Tech Federal Credit Union has not only refused to close the unauthorized account but has also placed an unreasonable burden on me to prove the account 's fraudulent nature. This demand is despite the clear evidence of identity theft and fraudulent activity already available through my credit report and the notifications sent to the credit bureaus. 

I find First Tech Federal Credit Union 's response to be inadequate and unhelpful, further exacerbating the stress and potential financial harm caused by the initial identity theft.

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