vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had a promotional account with Synchrony bank to finance flooring for my home, and realized I had paid thousands of dollars of interest in only 18 months. ( This would have been XXXX XXXX over 5 years ). 

I was viewing my loan statement on XX/XX/22 when the amount owed struck me as odd. This account is set to auto-pay so I don't pay much attention to the amount usually, but this time for some reason it stuck out. 

When I signed onto the account and checked my statement, I discovered I had been paying 30 % interest for year and a half. I never received a notification of any kind that the promotional period had ended ( it was for 12 months ). After speaking with the bank directly, they pointed out that the statements near the end of the promotional period have the verbiage written within them that the promotional period is ending. This lack of information resulted in a paid interest of {$4400.00}. This was nearly 75 % of the entire loan amount. The bank only offers waiving interest within 30 days after the promotional period has ended. 

It is my feeling that such an exorbitant amount of money ( which was paid in only 18 months ) dependent on fine print for the average XXXX consumer is bordering criminality. I am not rich, nor am I a business. The fact that all of the personnel I spoke to from the bank mentioned that the information of the promotional period was available in a prior statement ( no longer available online ) indicates that there is no other method of communication for the customer. This kind of purposeful informational neglect by a bank should not be allowed, and there should be a more proactive approach to alert the consumer that such a charge is taking 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 explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Advance Bureau of Collections
State: GA

Complaint narrative:
The insurance company paid the dental office, i was covered and provided my insurance information to the sensual office the day of the cleaning, when looking on my credit report it doesnt have an amount on it. The report just the collection company name. I have Been trying to resolve this and get it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: VA

Complaint narrative:
On XXXX XX/XX/XXXX, I mailed my first mortgage payment in the amount of {$1900.00}, to pay ontime for XXXX XX/XX/XXXX. By XXXX XX/XX/XXXX, I realized that my check had not cleared with my credit union. So, on the same date, contacted AmeriSave. Below is my email response after learning of AmeriSave 's issues with picking up their mail " It was a pleasure speaking with you as well via telephone. During our conversation on a recorded line, as you noted, I stated to you that I mailed my XX/XX/XXXX mortgage payment to your AmeriSave XXXX address on XX/XX/XXXX. You responded stating that we ( Amerisave ) have had problems with the delivery of mail and that I would not be charged a late fee. Although you provided me with options to make my XX/XX/XXXX mortgage payment, I chose not to take any further action since I was not aware of your problem with mail delivery. The operation of AmeriSave is disconcerting when my check has not cleared in over 25 days. Any business that I am aware of would be concerned about their cash flow. I truly appreciated you returning my two phone calls to AmeriSave yesterday and providing me with pertinent information to begin XX/XX/XXXX, the electronic processing of my mortgage payment. Thank you for your professionalism and courtesy. '' On XXXX XX/XX/XXXX, I received a mortgage statement. The statement does not show my XX/XX/XXXX payment. It shows that the payment due is {$3800.00}.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: CA

Complaint narrative:
On XX/XX/XXXX I wrote and mailed Transunion to initiate a dispute with Transunion because they are publishing information in my consumer file which are transactions that were originated from my credit card. According to the Fair Credit Reporting Act, these transactions are supposed to be excluded. I hand wrote these letters and sent them certified mail with proof of delivery and have attached them to this complaint. Today, XX/XX/XXXX, I received a communication in the mail from Transunion alleging that I did not sent this dispute. This communication from Transunion is not in accordance with the Fair Credit Reporting Act. This response is offensive and absolutely unacceptable. Transunions response has no legal merit and upon further research is apparently something the credit bureaus to regularly. I have attached a copy of their response as well as my dispute. I have also induced an article from the Consumer Financial Protection Bureau ( YOU ) regarding the bureaus making a common practice of ignoring consumers disputes. My rights have been violated and not Transunion is discriminating against me while continuing to fraudulently publish information which should be excluded from a consumer report. Please do something as this egregious violation of my privacy and rights is impeding me from obtaining housing for my children and I. I did not consult a credit repair company to fix my credit and I swear under penalty of perjury I wrote and mailed those letters. Transunion criminal activity is directly defaming my character, engaging in fraud, and desriminating against me for asserting my rights. The Consumer Financial Protection Bureau is supposed to protect me, so do your job and help 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 non-monetary relief
Consumer complaint received 2022-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX I missed a payment. I contacted Bank of America and was granted 6 months to bring my account current. I paid additional with my regular payments. In XX/XX/XXXX I contacted the bank for the amount to bring my account current. Their amount didn't match what I believed the amount should be. Reviewing my payments, I discovered instead of posting an amount to my past due the bank posted to additional principal. I requested by phone this error be corrected. I was assured the posting was corrected. I was given an amount which matched what I showed would bring my account current. I paid this amount with my XX/XX/XXXX payment I made the XXXX and XXXX payments and my account online showed current. The bank then reposted my XXXX and XX/XX/XXXX payments and showed my account past due. I was unable to make my XX/XX/XXXX payment online. I went to the bank in person. The teller told me they could not accept my payment. They accepted my payment when I requested they write " refused payment '' on my check. This amount is showing as " unapplied ' and Bank of America shows I am past due for my XX/XX/XXXX payment although the check has cleared my bank. The incorrect posting to principal has never been corrected. I have sent B of A a copy of the payments that cleared my bank several times. I have requested all contact be done in writing so I would have proof I have tried to get this problem corrected. I was contacted by phone and I requested I only be contacted in writing. On XX/XX/XXXX, Bank of America called me. On XX/XX/XXXX they called 3 times and two more calls on XX/XX/XXXX. I am now being harassed by Bank of America. I have sent them copies of the payment that cleared my bank as well as where the payment should have been applied vs where they applied them and requested the correct the way my payments were posted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
BANK OF AMERICA; PXXXX XXXX XXXX XXXX FL  XXXX
XXXX XXXX

BANK OF AMERICA CLOSED MY ACCOUNT WITH NO EXPLANATION, I RECENTLY LOOKED INTO MY XXXX XXXX AND SEEN THAT THEY HAVE FRAUD LISTED ON MHY ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I opened my account excited on XX/XX/2020 a month before the pandemic, on the following thats when the covid 19 pandemic hit and I was released from work I did my best to make my payments on time and i did on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and last month where I was struggling to make payments on XX/XX/2020 to capital one. 

I communicated with the company several times and they said they couldn't help me and to try calling again and every time I did the call would be very very hard to get through because it seemed they where getting an overwhelming amount of calls probably because of the same issue. 

I made 7 consecutive payments on time until the financial hardship caused by covid 19 it really made it incredibly impossible and its a little embarrassing because the payments weren't much but my income was even smaller. 

The company ( capital one ) then charged off the account and this something that haunts till this day. 

I have a job now, and I am back on my feet again making great money and being responsible and doing my very best to continuing to advance and however this is really affect me what I can do can with my life and it affects me me not just my self esteem but in real life everything is harder and I know that this isn't who my situation any more

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Affidavit of Truth mailed to TRANSUNION in XXXX, PA on XX/XX/XXXX, XXXX pm. USPS certified mailing was delivered on " XX/XX/XXXX, XXXX pm Delivered, Left with Individual XXXX, PA XXXX Your item was delivered to an individual at the address at XXXX pm on XX/XX/XXXX in XXXX, PA XXXX. '' As of XX/XX/XXXX there has been no communication back and they now stand in complete DISHONOR OF THE AFFIDAVIT OF TRUTH. An unrefuted affidavit stands as truth in commerce. ALL inquiries must be removed immediately from my report!!! They are in direct violation of 12 CFR 1102.33. 

These unauthorized inquires which allowed third parties to obtain my consumer report under false pretenses has brought damage to my consumer report and reputation in the amount of {$1000.00} dollars per inquiry and TRANSUNION is in violation of 15 U.S. Code 1681n ( a ) ( XXXX ) ( A ) and is liable for each unauthorized inquiry totaling {$35000.00} for each inquiry. The stress and humiliation of this erroneous reporting is harassing and they know it!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: FL

Complaint narrative:
The injuries and inaccurities remain on my credit unverified. Transunion continue to provide and furnish all of these inquiries on my credit profile under my social security number. I have proof of XXXX priority postages that my disputes was indeed signed for. Transunion continue to ask for proof of identity when I sent them a utility bill, ID, and a copy of my social because they demanded I turn these forms over to verify the account. I now they are committing fraud on behalf of my social security number. The inquiries is still unmarked or disputed to this day. Please Remove Now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
I have been unable to access the online portal for months now and the app is also barely functional to make payments. I have no access to online statements or loan info.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: PA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I HAVE CONTACTED XXXX 4 DIFFERENCE OCCASIONS AND HAVE SENT AND CONTIUE TO SEND DOCUMENTATION FOR INQUIRES THAT ARE NOT MINE! THEY CONTINUE TO GIV EME TH ERUN AROUOND WITH NO ASSISTANCE. I WAS TOLD TOLD TO COMPLETE THIS REPORT WHICH I HAVE AND SENT IT IN, 5 TIMES AND TH EWLATEST BEING CERTIFIED. THEY HAVE YET TO RESPOND AND I HAVE SEVERAL CONFIRMATIONS SHOWING THAT THIS WAS RECEIVED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: KY

Complaint narrative:
I sold my home at XXXX XXXX XXXX XXXX XXXX, Ky XXXX and closing was on XX/XX/2022. It was financed with a VA mortgage through Freedom Mortgage. I am due the balance of my escrow account of approximately {$1100.00}. After 3 weeks I have still not received payment and each of the three times I have spoken with a representative from Freedom Mortgage I get a different vague explanation of why I have not received payment. My Freedom Mortgage Account number 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 2022-01-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The injuries and inaccurities remain on my credit unverified. XXXX continue to provide and furnish all of these inquiries on my credit profile under my social security number. I have proof of USPS priority postages that my disputes was indeed signed for. XXXX continue to ask for proof of identity when I sent them a utility bill, ID, and a copy of my social because they demanded I turn these forms over to verify the account. I now they are committing fraud on behalf of my social security number. The inquiries is still unmarked or disputed to this day. Please Remove Now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: FL

Complaint narrative:
The injuries and inaccurities remain on my credit unverified. XXXX continue to provide and furnish all of these inquiries on my credit profile under my social security number. I have proof of USPS priority postages that my disputes was indeed signed for. XXXX continue to ask for proof of identity when I sent them a utility bill, ID, and a copy of my social because they demanded I turn these forms over to verify the account. I now they are committing fraud on behalf of my social security number. The inquiries is still unmarked or disputed to this day. Please Remove Now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30 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: EQUIFAX, INC.
State: OH

Complaint narrative:
After disputing this inaccurate inconsistent old account it was determined Equifax would remove the account. The discharged account violates FCRA by by its history of unlawfully continuing to illegally report against a federal court order. 

Against better judgment and without any notice Equifax wrongfully added the account on my credit report.

Equifax has the account showing inaccurate information and also has re-aged reporting on this account as if its new and updated. It is not.

It is an illegal act due to FCRA Section 623 ( 5 ) ( A ). And it destroys credit, Please have this account removed from my credit report immediately Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
On XX/XX/2022 I received inquiries letter from Chase, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX 's which I did not applied for any of these credit card and I am not sure where these inquiries derived from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I HAVE CONTACTED TRANSUNION ON 4 DIFFERENCE OCCASIONS AND HAVE SENT AND CONTIUE TO SEND DOCUMENTATION FOR INQUIRES THAT ARE NOT MINE! THEY CONTINUE TO GIV EME TH ERUN AROUOND WITH NO ASSISTANCE. I WAS TOLD TOLD TO COMPLETE THIS REPORT WHICH I HAVE AND SENT IT IN, 5 TIMES AND TH EWLATEST BEING CERTIFIED. THEY HAVE YET TO RESPOND AND I HAVE SEVERAL CONFIRMATIONS SHOWING THAT THIS WAS RECEIVED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I HAVE CONTACTED EQUIFAX ON 4 DIFFERENCE OCCASIONS AND HAVE SENT AND CONTIUE TO SEND DOCUMENTATION FOR INQUIRES THAT ARE NOT MINE! THEY CONTINUE TO GIV EME TH ERUN AROUOND WITH NO ASSISTANCE. I WAS TOLD TOLD TO COMPLETE THIS REPORT WHICH I HAVE AND SENT IT IN, 5 TIMES AND TH EWLATEST BEING CERTIFIED. THEY HAVE YET TO RESPOND AND I HAVE SEVERAL CONFIRMATIONS SHOWING THAT THIS WAS RECEIVED.

Company response to consumer: Closed with explanation