vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Details/History of challenge : Account opened and two charges were made on XX/XX/XXXX o {$870.00} o {$320.00} Purchases were for a new office. Move in date was XXXX through XXXX ( card lost in shuffle ) Email reminder with link made online payment XX/XX/XXXX for full amount {$1200.00} Received notice that the online payment did not go through. 
- After receiving the notice I called and talked to a synchrony representative via the phone XX/XX/XXXX. I made an online payment and explained that my account numbers begin with a XXXX. I emphasized that this has been a problem in the past because the receiving institute automatically drops the XXXX. The person on the phone processed my payment in full and said it went through. As far as I knew this was solved. 
No new purchases other than the original two were made using the credit card in question. 
The first payment made was added back to the account and the phone payment was also added to the account. This resulted in doubling the original balance. 
The payments were made from a business banking account. Ample funds were available to cover the payments. The bank has no record of any request for funds and no refusals. This would show up on the bank record. The problem was not about available funds. It is more than likely about missing the beginning XXXX, or some other entry error on the account numbers. 
Late payments have been applied to my statement despite having made payments three times. The first online, the second over the phone, and the third by mail. 
- Credit reports have been made showing late payments and extending credit over the limit. 
This mess has cost me valuable time and considerable frustration. The two purchases of {$870.00} and {$320.00} totaled {$1100.00}. 
I continue to be harassed to make payments and fees continue to mount. 
The letter I sent on XXXX included a check for the original purchase of XXXX. 
- A response to the letter was sent on XX/XX/XXXX. It did not address the issue. It instructed me to contact my bank about the payment being returned. The check included has not been applied to my account. 
- As already mentioned, my bank has no record of any payment request. Any refusal would be noted on my statements.

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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Comerica
State: MO

Complaint narrative:
The company is XXXX XXXX and vendor of the US Gov who's debit card is used to handle SSA checks. Three days and counting web site is down and no one is answering calls. My SSA checks due on 3rd and I have automated payments setup with card. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and 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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Thank you for your prompt attention to this matter. Please provide a written response confirming the results of your investigation. 

Sincerely, Experian ( or the appropriate credit bureau ) Subject : Dispute of Inaccurate Credit Report Information Dear Experian, I am writing to formally dispute inaccurate information on my credit report. The item in question is listed under XXXX XXXX XXXX XXXX. Based on my records, I have identified the following errors that need correction : 1. Charge-Off Amount Discrepancy : The report states that {$8200.00} was written off, but the past due balance is listed as {$8100.00}. These amounts are inconsistent, and I request validation of the correct amount or immediate removal of any inaccurate data.

2. Status Update Date Discrepancy : The report indicates that the status was updated in XX/XX/XXXX, but the balance was last updated on XX/XX/XXXX. If the account was truly charged off in XX/XX/XXXX, then further updates to the balance should not have been made. Please verify the accuracy of these updates or remove the incorrect reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate these inaccuracies and provide verification of the reported information. If you are unable to verify the accuracy of this data, I request that the incorrect information be deleted from my credit file. 

Please complete this investigation within the legally required 30-day timeframe. I have attached copies of my credit report highlighting the disputed items for reference. 

Thank you for your prompt attention to this matter. Please provide a written response confirming the results of your investigation. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: FL

Complaint narrative:
I called Discover debit card services to dispute a transaction for XXXX for a merchant who never delivered the goods I ordered. I expressed that the merchant had not really to any of my emails asking for an update as well as a request for a refund. I was told by the Discover representative she could not help me because it was against Federal Law to allow a dispute for non-receipt of merchandise. I told her that did not seem right and asked if this was a Discover policy or a Federal Law. She stated it was a Federal lax that was applicable to all networks, as I told her I had worked with Visa and the past and this was never an issue she states this has always been the case and that I needed to continue trying to work directly with the merchant as I had no recourse with Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am writing to formally dispute the information reported on my credit file related to an alleged account with XXXX XXXX, Account Number XXXX. Upon reviewing my credit report, I discovered that the account was marked as " charged off '' by the creditor. However, I contend that the creditor, XXXX XXXX, did not provide me with the required 1099-C form following this charge-off, as is required by the Internal Revenue Service. 
I am writing to formally demand the immediate deletion of the XXXX XXXX  account ( Account Number XXXX ) from my credit report due to Experians failure to conduct a reasonable and thorough investigation of this matter, as required by the Fair Credit Reporting Act ( FCRA ). Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), Experian is obligated to ensure that all information on a credit report is accurate and up-to-date. Given that XXXX XXXX failed to comply with federal tax reporting requirements, it is clear that the account in question is inaccurately reported and should not be on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Recently I Looked at a copy of my credit report and noticed several inaccuarcies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate these accounts for me to ensure accuracy. Here are the accounts I am asking you to verify. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Recently I Looked at a copy of my credit report and noticed several inaccuarcies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate these accounts for me to ensure accuracy. Here are the accounts I am asking you to verify. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Dispute for Negligence and Non-Compliance Under 15 U.S.C. 1681o To Whom It May Concern, I am writing to formally dispute your companys failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, which addresses negligence and non-compliance resulting in harm to consumers.

[ State the specific issue, e.g., inaccurate reporting, failure to investigate a dispute, or improper handling of personal information. ] Under the FCRA, it is your responsibility to ensure that accurate and verifiable information is reported, and any disputes are handled promptly and thoroughly. The following demonstrates your failure to comply : Negligence : [ Describe specific instances, such as failing to verify information or follow procedures outlined by the FCRA. ] Non-Compliance : [ Provide details, such as delays in response, refusal to provide requested documentation, or lack of adherence to statutory deadlines. ] This negligence and non-compliance have caused significant harm, including [ explain damages, e.g., financial loss, lowered credit score, or emotional distress ]. As such, I am holding your company accountable for these violations. 
I request the following actions be taken immediately : Investigate this matter thoroughly in compliance with the FCRA. 
Correct all inaccurate information in my file and provide written confirmation. 
Provide a written explanation detailing the actions taken and evidence supporting your findings. 
Failure to address this matter appropriately may leave me with no choice but to pursue legal remedies available under 15 U.S.C. 1681o, which allows for recovery of actual damages, attorneys fees, and other costs. 
Please respond in writing within 30 days of receiving this letter. Send all correspondence to the address provided above. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX account is still on my credit report and was opened in 2017 under FCRA guidelines account should be removed after 7 years.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX account is still on my credit report and was opened in 2017 under FCRA guidelines account should be removed after 7 years.

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 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Deposited a check for {$9400.00}. Was told part would be held for verification of funds. All was held and the dates I was told were incorrect. Asked to release the portion supposedly held and was told it was held as well and could not be released by anyone at the company. This always happens with my check deposits, and no one can verify why capital one takes longer than any other bank or why they lie about availability of funds consistently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are several names listed that are not correct. Also there are several addresses listed that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: FL

Complaint narrative:
I owe almost {$6000.00} and they are charging me {$700.00} to {$800.00} a month in interest and fees

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash app ( Block inc ) due to inadequate customer service and unfair practices which violates The Consumer Financial Protection Act ( CFPA ) mainly Cash app failed to take timely and effective measures to prevent and address fraud on thier platform leaving my account vulnerable and unprotected Futhermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Transfer Act ( EFTA ) and Regulation E. These actions have cause a significant financial loss and I seek appropriate re address for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I disputed everything online and gave the company a call and they couldn't help me just gave me a run around.

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 2025-02-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Company increased escrow due to allegedly not having the proper insurance. 
I, again, provided the XXXX XXXX XXXX insurance which included the policy and coverage. Uploaded on XX/XX/XXXX. 
FLOOD POLICY was also provided to them again. 

On XX/XX/XXXX, Freedom Mortgage sent this response : " The lender-placed flood insurance coverage we placed on the above-referenced property is cancelled effective XX/XX/XXXX for one of the reasons stated below : Adequate insurance coverage was provided. If this cancellation results in a lapse of coverage, you may be charged an additional premium. If there was no lapse in coverage, you will not be billed or the amount previously paid will be refunded to your account in full. '' On XX/XX/XXXX, Response from the company was I uploaded XXXX documents. 

" The received condo master insurance is for the term date XXXX. Hence, we request that you provide us with the updated insurance document for the term XXXX to update our records. You can fax it to our Insurance Department at XXXX or mail it to the following address : Freedom Mortgage Corporation ISAOA/ATIMA XXXX XXXX XXXX XXXXXXXX XXXX XXXX You may also update your coverage directly to XXXX. If you have any questions regarding our insurance requirements, please contact us at our Insurance Center at XXXX. '' However, I verified in the portal that the documents were, in fact, XXXX documents. 

XX/XX/XXXX, the company stated they would refund me the amount of {$2700.00} for LP FLOOD and CONDO H06 INSURANCE {$2200.00}. 

As of today, XX/XX/XXXX, Freedom Mortgage has not resolved the issue of charges and extra payments towards escrow for their insurance premium : " Payment Due Date XX/XX/XXXX Amount Due** {$1800.00} '' The previous amount is listed here on Statement Date : XX/XX/XXXX Current Payment Amount : {$1400.00} New Payment Amount : {$1800.00} New Payment Effective Date : XX/XX/XXXX Please note : this new amount of {$1800.00} was charged on XX/XX/XXXX. They did not provide adequate or accurate communication of the new rate.

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