vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My phone was stolen on XXXX at around XXXX and the thief got into my bank account by finding my password in my phone. He XXXX  a random person Ive never had a transaction with since I opened my bank {$2000.00} without my knowledge, and another {$570.00} to my other bank account and XXXX the money from my other bank as well. On top of this, my identity was stolen as well because the thief found my social security. I tried telling the claims repXXXX this and there is still nothing they can do. They told me this is out of the banks hands, and you must contact another organization to get this resolved. 

Since the transactions took place on my phone that was stolen, they claim that the transaction was not fraudulent, even though it was. They are requesting compelling evidence to be able to approve the claim, but couldnt tell me what would be considered compelling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
In XXXX of XXXX I purchased heating and air conditioning equipment, financed by Synchrony Bank. I agreed to make monthly payments for 24 months, interest free provided the promotional balance was paid prior to the expiration date. The promotional amount I borrowed was {$6300.00} and was paid in full prior to the expiration date, XXXX or XX/XX/XXXX. However, a balance of {$730.00} remained that I did not recognize. The discrepancy is a Card Security fee that Synchrony has charged me, and that Synchrony claims I purchased by clicking on an on online offer. Until XXXX of XXXX I was unaware of a Card Security '' fee associated with my Synchrony account. I do not recall Card Security being properly disclosed, nor do I remember purchasing Card Security. I have been told a welcome package was emailed at the time of purchase with the full terms and conditions of the Card Security Program. I can find no such email. I have not paid these Card Security fees Synchrony has charged me while trying to resolve this and Synchrony continues to add interest. Currently my balance is about {$6000.00} all of which is interest levied on the original unpaid card security fee of {$730.00} of XX/XX/XXXX. 

I have asked Synchrony repeatedly to produce the online form that indicates I purchased Card Security, with no success. Additionally, I question the amount Sychrony claims that I owe, {$6000.00}, and request an explanation of how Synchrony arrived at this number.

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 2023-08-30 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, and XXXX XXXX XXXX XXXX Account # 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

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 2023-08-30 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX, and XXXX XXXX XXXX XXXX Account # 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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:
On XX/XX/XXXX Experian, XXXX, and XXXX were requested by me the consumer to correct inaccurate loan information and inaccurate reporting of payments, as well as, place XXXX XXXX XXXX XXXX into a dispute status as the company has defaulted on their administrative process and failed to verify the debt. Serviced registered mail, return receipt through the United States XXXX XXXX under the XXXX XXXX XXXX XXXX XXXX XXXX. According to the Administrative Procedures Act we have a contract and they have no claim to the account and it must be deleted immediately on request from the consumer. Experian, XXXX, and XXXX sent me an updated report 10 days later which reflected that they verified the debt with XXXX XXXX XXXX, which I could not do. I sent them the attached letter on XX/XX/XXXX certified mail, return receipt as evidenced, as an attachment. I demand that Experian, XXXX, and XXXX in accordance with the Fair Credit Reporting Act, 15 USC 1681 Section 609 ( a ) ( 1 ) ( A ) to present to me the physical verification of the original signed consumer contract signed by me the consumer. Federal laws gives them 15 days to present this to me and they have failed to do so. It is confirmed that the account can not be lawfully verified and as such must be removed from the consumers credit report immediately. This is a gross violation of my privacy and against the privacy act of XXXX. I expect my credit reports to reflect this change in accordance with Federal Law. If this is not corrected I will bring this issue to the Attorney General and Comptroller of Currency and start collections according to what is allowed by Federal Law.

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 2023-08-30 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:
On XX/XX/XXXX XXXX, XXXX, and TransUnion were requested by me the consumer to correct inaccurate loan information and inaccurate reporting of payments, as well as, place XXXX XXXX XXXX XXXX into a dispute status as the company has defaulted on their administrative process and failed to verify the debt. Serviced registered mail, return receipt through the United States XXXX XXXX under the XXXX XXXX XXXX XXXX XXXX XXXX. According to the Administrative Procedures XXXX we have a contract and they have no claim to the account and it must be deleted immediately on request from the consumer. XXXX, XXXX, and TransUnion sent me an updated report 10 days later which reflected that they verified the debt with XXXX XXXX XXXX, which I could not do. I sent them the attached letter on XX/XX/XXXX certified mail, return receipt as evidenced, as an attachment. I demand that XXXX, TransUnion, and XXXX in accordance with the Fair Credit Reporting Act, 15 USC 1681 Section 609 ( a ) ( 1 ) ( A ) to present to me the physical verification of the original signed consumer contract signed by me the consumer. Federal laws gives them 15 days to present this to me and they have failed to do so. It is confirmed that the account can not be lawfully verified and as such must be removed from the consumers credit report immediately. This is a gross violation of my privacy and against the privacy act of XXXX. I expect my credit reports to reflect this change in accordance with Federal Law. If this is not corrected I will bring this issue to the Attorney General and Comptroller of Currency and start collections according to what is allowed by Federal Law.

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 2023-08-30 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 recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I do not have any idea regarding these fraudulent accounts on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On XXXX / XXXX / XXXX paid my bill to American Express Credit card from my personnel check ( Check # XXXX for {$4900.00} ) from XXXX XXXX XXXXXXXX. The bill said due date XXXX / XXXX / XXXX. 

Today XXXX / XXXX / XXXX I received a new balance bill. I noticed American Express charged me {$29.00} for late fee from my last bill because they received my payment on XXXX / XXXX / XXXX. 

I called and spoke to Supervisor XXXX ( Case # XXXX ) And requested to remove the late fee because I do not know why my mail get to their Office for 8 days, and I never late on paying my bills. Also, they should consider the date I sent was stamp on XXXX mail. I paid my bill. 

XXXX XXXX told me he can not help because it was American Express XXXX. 

I am asking your Office for help regarding this matter. 
Thank you very much for your help. 

XXXX, XXXX XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Ocwen Financial Corporation
State: AR

Complaint narrative:
In XXXXXXXX XXXX XXXX, I completed an application and paid PHH {$100.00} to remove my PMI from my mortgage with PHH Mortgage. As part of the process, I had to also pay for an appraisal of my home to determine the value and if I was eligible to have my PMI removed. After not hearing results from PHH Mortgage I find out my mortgage was being transferred to XXXXXXXX XXXX. I assumed this process was going to be transferred as part of the transition. I continued to wait and called XXXXXXXX XXXX in XXXX XXXX XXXX asking about the PMI removal. I was informed by XXXXXXXX XXXX customer service that it was not transferred to my new account and that I would need to start the process over again, including paying for another appraisal. I am seeing reimbursement of my {$100.00} as well as the cost of having my home appraised from PHH due to the company failing to complete the process prior to selling my loan.

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 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Out of the blue, USAA sent us a bill stated that we were delinquent on a payment. We had a USAA card in the past but no longer have it, I have written two letters to them stating that he do not have the card and can not have used it. They have sent us emails which claim to have the statement for the month the obligation was incurred but no statement was attached, nor was I able to find a statement on their website. They have now reported a liability on our credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: CO

Complaint narrative:
Transunion, XXXX, XXXX. Did not provide an accuracy proof of debt that I owe for a bad credit rating and reporting derogatory. When I ask for proof they said they have 100 % accuracy system that gives them the burden of proof. This was said to me over the phone. By all 3 bureaus, Please keep in mind they started my dispute & ended it within 3 days. I was told the system determines an accuracy decision. I am waiting on the accuracy proof of debt owed from all of the Corporation that say that I owe a debt when all debts are paid. It's been a year & all 3 bureaus have failed to show proof of debt I owe with my signature. They don't have any proof because there were no debt to began with : If the 3 Bureaus can't or refuse to show accuracy with written proof of the investigation of a decision that was made by the them for the Corporations : Then all negative reporting on my, we, us credit report needs to be removed. IMMEDIATELY!

15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I was sent a letter by Phoenix Financial, in which they were seeking payment for a medical debt that I do not owe. After I asked for proof of the debt 's validity, I received a response from the creditor confirming the debt. However, the verification letter contained numerous inaccuracies, including errors in my date of birth, address, phone number, and other details. This debt does not belong to me, and I am not the individual responsible for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XX/XX/XXXX, XXXX date I requested my reports from each bureau. 

I requested my credit report from Equifax, XXXX, and XXXX and I noticed that there were several misspellings of my name, non-mailable addresses, non-working phone numbers, and variations of my employer and position, as well as hire date. I called each bureau on XX/XX/2023 and asked for this information to be removed. None of the mentioned bureaus have removed any of the incorrect information as of XX/XX/2023. 
I have been denied credit due to the lender not being able to identify me due to the incorrect information in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES 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 non-monetary relief
Consumer complaint received 2023-08-30 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: Experian Information Solutions 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.

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 explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I got a letter in the mail today from Navy Federal Credit Union, which I've never heard of before, with a debit card associated with a savings and a checking account. I have not opened any such accounts. Apparently they did this all on their own without my knowledge or consent. 
I scanned the document with the debit card attached and have attached it to this complaint. I think all the information you need should be on that. I don't know anything more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Trans Union has failed to generate accurate credit records and account information to provide me an accurate credit score and report. This failure by TransUnion has caused denial of credit and difficulties establishing lines of credit because of this problem

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 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
CFR 1026.11 ( a ) ( 2 ) states " Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer '' I requested a positive balance of {$7800.00} refund on my XXXX credit card on XX/XX/23 and as of today, XX/XX/23, I have not received it. 

On XX/XX/23, I called and confirmed with the representative that the balance can be refunded to my checking account ending in XXXX in 8-10 business days. On XX/XX/23 I called again since it has been past the 8-10 business day window and was told it is still being worked on. On XX/XX/23, the balance was still not refunded. I spoke to a manager and said the case will be escalated and I should expect a communication by end of day XX/XX/23. Today is XX/XX/23 and I still have no received a response nor a refund of my positive balance.

Company response to consumer: Closed with non-monetary relief