vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
synchrony bank told me that it was payment left on my account. I called HSN the person who I get the items from several weeks ago. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I needed to pay the full-balance on the account. They look at the account and told me it would be over 80 or 90 to pay the account. off. I notice on my credit report that I was 60 days late. 
At no time did I receive a letter in the mail from the company that anything was late. Synchrony Bank have a history of over charging people for items that was not on the account. I feel like this bank has falsely reported information to the credit company. I have neve been late on this account for over 7 years. I paid the balance in full and they told me from HSN account had been paid. 
Now Synchrony Bank has place an item on my account so it would show late. I did not owe this balance case the told me they would not report it as being late due to the fact my husband had the information and his e-mail was attached to the account. I was not aware that he has his e-mail on the account. 
He was letting his friend buy things on the account without my knowelge.. I am asking you to make this bank provide documentation that the item on the account was not paid to HSN.

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 2023-09-01 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: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged 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 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 explanation
Consumer complaint received 2023-09-04 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: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX Owed : {$260000.00} ; XXXX XXXX XXXX Balance Owed : {$58000.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX Balance Owed : {$3100.00} ; XXXX  XXXX XXXX Balance Owed : {$8600.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Owed : {$0.00}.

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 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: CA

Complaint narrative:
I rented an apartment from the XXXX XXXX I had a XXXX XXXX and XXXX XXXX happen which allowed me to break my lease and leave for my safety. They kept my whole security deposit and is still trying to charge me over XXXX $

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 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: FL

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XXXX at XXXX, Bank of America emailed me that my credit card was removed from XXXX XXXX. I checked and saw that my card was still there, but was unusable. I went to the BOA app where it said in red my card could not be reactivated. I was also unable to redeem my {$310.00} in rewards which I accumulated over two years, where in red it told me to contact BOA. I was unaware my credit card account was closed, until I called the BOA representative where even he was unable to explain why. The representative said he will send a letter today which includes the reason, but BOA system does not allow him or his supervisor to see the reason why, which is completely unreasonable considering how can he, or anyone assist me in that moment without the reason my account was closed. 

I asked what happens to my {$310.00} in rewards, which he told me he had no idea, but he was unable to process it. He said I could dispute it with the bank, but it appears that if BOA is unable to restore my account, that {$310.00} is forfeited which I can not accept. 

I received no warning, no advanced notice, and I always pay my credit card bills on time across BOA, XXXX, XXXX XXXX, XXXX, and XXXX. Nothing in my XXXX credit report reveals any wrong doing or financial misstep. I believe I am a victim of BOA malpractice because I am aware BOA recently went through a lawsuit of scamming customers, creating false bank accounts, closing accounts without legitimate reason, and withholding rewards. I believe I am now one of those people.

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 2023-09-01 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: TX

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-09-01 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: TX

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I filled out a 1099 a form for my auto loan that was approved by the IRS on XX/XX/2023. I just want them to correct my account and send me title!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I DONT RECOGNIZE ANY OF THIS INQUIERIES ON MY CREDIT REPORT 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 explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I have a cash app account that got hacked and the email and pin were changed. I have contacted them multiple times and they did not help.. I also had my sponsor for this account to contact them via phone and they were unwilling to help... I have provided all the information that they have asked for to gain access then they disconnect the chat ( on line ). I still had money on that account and would like access to it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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: FL

Complaint narrative:
I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX and also reached out to XXXX XXXX and Equifax about my concerns about the following account which is XXXX account ending XXXX Your agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 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: FL

Complaint narrative:
I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX and also reached out to XXXX Experian and XXXX about my concerns about the following account which is XXXX  account ending XXXX Your agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items IMMEDIATELY.

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 2023-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XX/XX/XXXX XXXX Noticed legal fee and hold on my bank account on XX/XX/XXXX. Called Bank of America and was instructed me that is was from due to needing to investigate my account for an outside party. And would have to call back to speak with legal department from more information when they opened. I was also given number to outside party ( XXXX ) XXXX. 
XX/XX/XXXX XXXX I called the ( XXXX ) XXXX which is XXXX XXXX XXXX XXXX, I implied that I was looking for reason hold was placed on my account and my was forwarded to staff member to help me. No answer, and I left a voicemail for return call. 
XX/XX/XXXX XXXX Called number to Bank of America to speak with legal department regarding fees and hold, agent stated I could not speak with anyone but she would contact them on my behalf. The agent stated the hold and fees were due to judgement from the State of Georgia, and my addition bank account balance would should not be affected, there was just a one time hold for {$330.00} as of now but the told instructed to hold was about {$3400.00}. I also reported that I was unable to contact party that placed hold on account and asked for more info on how to resolve. 
XXXX I called XXXX XXXX XXXX back and was given two contact number because I was unable to reach anyone attempted to call both XXXX XXXX XXXX contacts I was given with no success. 
XXXXFollowed of with Bank of America due to not being able to contact with XXXX XXXX XXXX. Representative reinforce that Bank Could not remove hold due to instructions from State of Georgia. 
XXXX XXXX XXXX XXXX and finally was able to speak with someone called me back, who identified as debt collector. Collector stated that a judgement for garnishment when given XX/XX/XXXX, which I cant find any record of. Representative stated that total debt was about {$4200.00} and garnishment started on XX/XX/XXXX and would take all wages in account not just a percentage.

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 2023-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One said they derogatory received information reason why they regarding closed all accounts as of XX/XX/2023. 

Reference XXXX XXXX  XXXX SUBMITTED ON XX/XX/2023 PRODUCT Credit card ISSUE Closing your account XXXX. XXXX XXXX XXXX XXXX XXXX Capital One XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX. XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Spark Business Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: TN

Complaint narrative:
I got this car from American Can Center on XX/XX/2023. At the time they told me they only had 3 cars on the lot because they were about restock. They never intended to restock they were selling all the cars with the intention to shut down the entire business. Although this loan is predatory in nature and numbers I still agreed to it because I needed the car. They told me that this lease could help improve my credit score. After making one payment to American Car Center, the following week on XX/XX/XXXX American Car Center abruptly closed down all operations. Since that time Westlake Financial has called and informed me that they took over the loans but couldn't provide me with tags because they never bought the titles from American Car Center and they were working on that. I have had this car 7 months and can not drive it due to not having tags. Also the car was broken into and nearly stolen because it's a targeted car being a XXXX which has a defect that allows them to be easily stolen. I can not get it repaired because there is no where to get it repaired due to the closure. What can I do to get out of this horrendous deal?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I went through a dispute with Transunion last year on XX/XX/XXXXXXXX XXXX I provided the original contract, with XXXXXXXX XXXX. The original amount of rental was {$1600.00}, and the remaining balance was {$1400.00}. The rental agreement was XX/XX/XXXX and I lost my job on XX/XX/XXXXXXXX Once I received the investigation result, I was told XXXXXXXX XXXX  does not have to agree to the dispute, even though it is the original XXXX XXXXs contract. XXXXXXXX XXXX was supposed to make the payments, but it did not happen. I tried to contact XXXXXXXX XXXX, and they told me the contract was voided and hung up on me. 

On XX/XX/XXXX XXXX I submitted another dispute, the case was reopened. I received the investigation result dated, XXXX. The result remained the same. 

Please assist me, I have the documents needed to review. 

Thank you!

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 2023-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC
State: OR

Complaint narrative:
Our mortgage servicer was changed to Flagstar bank a little over a year ago. 

We have set up automatic payments on a bi-weekly schedule as a means of paying off the mortgage more quickly over time. 

On XX/XX/XXXX, I called Flagstar to discuss. The Flagstar representative told me that Flagstar takes and holds our first payment each month in a " Suspense '' and does not apply that payment until the next bi-weekly payment is pulled. When I asked more about that, and if there was a way to dispute that company policy, she stated that each servicer gets to choose how to apply the payments, and Flagstar has chosen to hold on to people 's first bi-weekly payment each month. 

This effectively removes most of the paydown benefit of a bi-weekly mortgage payment schedule and serves as an interest-free loan to the bank for a 2 week period.

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 2023-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

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 2023-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX and also reached out to TransUnion XXXX and XXXX about my concerns about the following account which is XXXX account ending XXXX Your agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items IMMEDIATELY.

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