vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
2 years ago I needed XXXX XXXXXXXX XXXX XXXX XXXXXXXX, I was offered a paymentplan using a Synchrony bank Mastercard. it was explained to me.that if I paid it off in 2 years it would be interest free, I was'nt able to meet that condition.whether right or wrong I believed this to mean that after the time expired I would pay interest on the balance.my balance is now {$4000.00}, my present bill has an added interest of {$3900.00} making my balance $ XXXX.I would have gladly paid interest on monthly basis if it had been offered. I spoke with Synchrony rep, who told me that " there was nothing he could do, I signed the agreement and that was that. ' my original cost was {$10000.00}. This is a disservice to consumers in that It is misleading, not necessry.and in the end debt trap.

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 2023-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: WLCC
State: IN

Complaint narrative:
On or about XX/XX/2023 I applied for a payday loan with Explore Credit. This loan was to be used to cover bills for the next two weeks. Immediately after applying, I was approved for the loan ( image 1 attached ), I signed the agreement, and Explore Credit stated the money ( {$600.00} ) would be available in my account within two to three business days. I was able to log into my account, and even view the balance, and also the payment dates and amounts for the loan. Upon receiving an email this morning however, I was shocked to see that after I had been approved, signed the agreement, and been able to access my account, I was all of a sudden denied due to these reasons : -Unable to verify identity -Unable to verify bank account -Unable to verify employment -Insufficient income for credit amount requested They also included what appears to be a statement out of the equal credit opportunity act which states various reasons as to why they can not deny me. It boggles me however, that even after I was approved and signed the agreement I was still denied, when one signs an agreement with another they are under the impression that both have agreed to the stated terms in the agreement, in this case, to provide me with a {$600.00} loan. The point of a credit application, and also submitting documents before hand is to make sure you are approved for the loan, which I clearly was, they were clearly able to verify all of the above noted items in question if I was able to log into my account, see the amount that is loaned to me along with the installments, and to top it off the fact that they approved me for the loan. I have submitted exhibits below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On the day of XX/XX/2023, I spoke with LVNV customer service and sent a letter asking for the following : -A validation letter containing a copy of the original contract with the original creditor with my signature. 
-A copy of the original payment history with the original creditor -I also asked for proof of how or when the debt assignment was purchased. 

After a 30-day waiting period, LVNV Funding llc failed to provide the following and ONLY enclosed a payment history and bill. 

Without my WET signature present, this debt is invalid. Its also illegal for them to collect something that was paid off by their company and consider it debt. Meaning the debt is no longer owed or valid. I called the company and notified them that I never received an actual validation letter within the 30 day period, and instead they gave me excuses and no actual answers. I was also never notified when my debt assignment was sold nor received information on how to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I went to make my monthly grocery purchase at Sam 's club. At the check out on that day only and only at sam 's club none of my bank or credit cards worked at check out ( those cards worked fine at the gas station before I went to Sam 's club and when I bought dinner after I left ). I was issues a Sam 's club credit card with a XXXX available credit line. The cashier sneared at me as if I was broke and told me I could get my groceries if I pushed yes on the key pad. I pushed yes. The statement came a month and a half later and I got a text message that I was late on my payments for my groceries. I was assessed at 29 % fee. When I received the text message, I immediately made a payment to pay off the entire amount of the groceries that I did not need to borrow in the first place. I did not close the account. Just paid off the entire balance plus the late fee. My account was then closed and a negative mark was made on my credit report for making late payments and an overdraft. The card was issued by XXXX Bank. 
I had money in my account. When I went through the line at Sam 's club there was no reason to issue me a credit, The statement was very slow to appear a charged me a late fee and financing fees, and now I have record of a canceled account overdrafted late fees on my credit. The entire account was only open about 2 months, I have contacted the credit agencies about this and attempt to contact synchrony Bank. I have been unable to reach any customer service agent because it says I do not have an account with them. Because of their predatory lending scam and the negative mark they've left on my credit, it affected my auto loan. I should have been able to get a 6 % auto loan but I had to get an 11 % auto loan. All in all about {$50.00} was stolen from me by synchrony Bank, but the total impact will be about XXXX because of their abusive credit behavior affecting my overall credit score impacting my auto 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 monetary relief
Consumer complaint received 2023-02-18 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This problem is with the reporting a negative item by XXXX XXXX XXXX XXXX. 
This IS NOT in dispute of the accuracy of the information provided by company. This IS NOT in dispute of any information used as verification. 

This dispute is in accordance to the FCRA violation of 15 U.S code 1681A ( 2 ) ( a ) ( i ) which states : 1681A Definitions ; rules of construction ( 2 ) exclusion ( a ) a consumer report SHOULD NOT include any_ ( I ) Report containing information as solely to transaction or experience between consumers and persons The attached documents show that this account is a transactional account ( deposit checking overdraft ) and does not report within the FCRA guidelines. This the type of account that this law was put in place for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
Opened the saving A/C on XX/XX/XXXX with Citizens Bank with {$100.00} initial deposits - saving A/C # XXXX, Routing # XXXX, also received the receipt acknowledge by them. 
XXXX XXXX wanted to access a/c to deposit more money, could not log into a/c so called customer service dept. - talked to XXXX. She said do not have any more a/c and Bank has ended the relationship. Then talked to several times to find the reason for closing the a/c and to return my initial deposit of {$100.00}. Finally talked to XXXX on XXXX and she opened the case # XXXX to further investigate. Did not receive any communication, so called again on XXXX and talked to XXXX- she suggested to get the letter from XXXX XXXX XXXX  XXXX On XX/XX/XXXX my bank ( XXXX  ) talked to their staff - XXXX  personally and talked almost 1 hour and 30 mins, but no good solution and said can not help anymore and said can not talk anymore or cant give more info. and hang up. I have tried to log into my a/c several times but no access. They have closed my a/c but not refund the deposit. Please help to recover this amount. Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-18 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I initially disputed XXXX account # XXXX with Experian on XX/XX/2022 however the company didn't complete the investigation within 30 as outlined by the FCRA. The above referenced investigation is XXXX. The company did not respond until XX/XX/2022 which is nearly 60 days later. This account has never been paid late and should be removed from my consumer report at once.

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 2023-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I get constant phone calls from portfolio recovery. I have 0 debt my home is paid and they continue to bother me. There is no debt I have never paid

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I had some fraudulent activity on my credit report back in XX/XX/2022. Due to my score decreasing Amex reduced my credit limit from $ XXXX to $ XXXX on my blue cash back card. They also reduced my spending limit on my Gold card. I have submitted all documents they have requested and they still have not done anything to reverse the credit limit. The credit limit decrease also brought my score down. I just got off the phone with them and told them to pull my credit report again but they did not want to review it again. My score is XXXX and I do not have anymore negative fraudulent accounts reporting. There is no reason why they should not reverse my credit limit to $ XXXX. I've always paid my credit cards on time and have always kept balances under 10 % I've always recommended Amex to everyone I know including my clients but right now I am very disappointed with them. 
Could you please investigate this issue for me please. I have attached a copy of my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18 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 — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
On XX/XX/2023, I filed for a dispute on an auto loan account I have on my credit report. As of that same day, XX/XX/2023, that account was paid in full and I provided receipts showing that the account was paid in full. XXXX, the company investigating my dispute, finalizes my dispute today XX/XX/2023 and states that they updated the information but upon checking my report, they said for the month of XXXX, the account shows as charged off. Normally a final decision from the company that I have a credit line with does not finalize any decisions until the end of the month but they decided to say that its still delinquent and charged off when I paid the amount in full. I have proof of the receipts, confirmation codes, as well as bank account withdrawals from Exeter Finance that shows they took money out in a total amount of {$8100.00}. Specific days go as follows : - Friday, XX/XX/2023, a {$3000.00} payment was made to Exeter Finance as well as a {$2900.00} payment. In total, a {$5900.00} payment was made to Exeter Finance on XX/XX/2023. 

- Monday, XX/XX/2023, a payment of {$2200.00} was made to Exeter Finance. 

In total, with all payments made, it should add up to {$8100.00} which is the total amount Exeter Finance states I owed so as of XX/XX/2023, the account was paid in full and there should be no balance. 

I was also told that I should receive my title for the vehicle within 30-45 days which further states that the payments that were sent were finalized, accepted, and processed in their system to move on with the title process. 

XXXX reporting inaccurate information on my account and stating that the account is not paid in full when I provided them accurate information which comes straight from the Loan company in which I had a credit line with is most definitely an offense in regards to my consumer rights. 

According to 15 U.S. Code 1681A Sub Section 2 ( Exclusions ), the term consumer report DOES NOT include ANY REPORT containing information solely as to TRANSACTIONS or EXPERIENCES between the CONSUMER and the PERSON MAKING THE REPORT.

Meaning, a transaction or experience with Exeter Finance such as a " Late Payment '' that could cause the account to become closed or charged off. That is considered an experience that Exeter Finance had with myself which is against my consumer rights for this information to be reported.

Nothing under the Fair Credit Reporting Act requires ANY financial institution to furnish negative information to a consumer reporting agency. 

The damages this has caused has made other financial institutions such as XXXX XXXX, XXXX, XXXX, etc., deny me of credit because XXXX continues to report false information on my account which in term has decreased my credit even further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I made a dispute about the negative item listed on my credit report by XXXX XXXX. I contacted all three bureau and no reasonable investigation conducted. This company list the account as an open collection account. This item violates the FCRA 15 U.S code 1681b permissible purposes ( 2 ) ( a ) ( i ) ( ii ) the company nor the credit bureau had permission to procure a report. 

A 1099C form the was sent to me by the company, as cancellation of debt in which I had to file as INCOME on my IRS tax return, and cant be considered debt. The 1099C states the this company no longer seeks collection yet they still report it as open debt collection with a different amount the shown on document.

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 2023-02-18 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I made a dispute about the negative item listed on my credit report by XXXX XXXX. I contacted all three bureau and no reasonable investigation conducted. This company list the account as an open collection account. This item violates the FCRA 15 U.S code 1681b permissible purposes ( 2 ) ( a ) ( i ) ( ii ) the company nor the credit bureau had permission to procure a report.

A 1099C form the was sent to me by the company, as cancellation of debt in which I had to file as INCOME on my IRS tax return, and cant be considered debt. The 1099C states the this company no longer seeks collection yet they still report it as open debt collection with a different amount the shown on document.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, 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've recently obtained a copy of my credit report and discovered that I have been a victim of identity theft. As my family and I are in the process of buying a home, this news has left me feeling horrified and anxious. This unfortunate situation has had negative impact in my life. I would like to request that you take immediate action and remove the fraudulent accounts from my credit report. I've attached the relevant documentation for you reference. I've also sent the credit bureaus the same documents I'm sending you. I appreciate your attention to this matter and hope that you will work swiftly to resolve this issue. Thank you for you understanding. Please see attached

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 2023-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: MI

Complaint narrative:
I have a money lion app account my account was fraudulently accessed personal information was changed money was taken from my account and sent to my XXXX XXXX. I did not authorize any money to be transferred I have discussed and disputed the transaction four times with money lion and I keep denying my claim they will not refund me my {$1600.00}.

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 2023-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I completed this XXXX and outdated verification portion when I opened my account and have had no issues since then up until yesterday at my mechanic. I attempted to pay for services and the transaction declined. Now Citi is telling me to wait 7-10 days AGAIN to verify myself after never changing my phone number. That costs me another {$1000.00} in fees to pick up my car!!!!!!!

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 2023-02-18 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ive disputed information on my credit report over 100 times over the last year and 2 months. I have provided a police on XX/XX/XXXX, XXXX ive provided several identity theft reports, and also have provided my credit report from other companies showing the inaccuracies present ob my credit report. 

XXXX XXXX XXXX  Account # : Balance : {$43000.00} ( Identity theft ) This is a personal loan I never agreed to and have no knowledge of it was deposited into a fraudulent account that XXXX XXXX  closed down. Also the company sold the debt to XXXX XXXX XXXX XXXX, even though they provided no evidence the account was mine. Ive requested evidence for 8 months. 

XXXX XXXX XXXXXXXX Account # : XXXX Balance : {$9200.00} This account was paid by my Gap insurance so amount of XXXX is incorrect. the true amount was XXXX. The incorrect amount has been showing on my credit report for 2 years now. even though the account was reported as income as XXXX XXXX XXXXXXXX via a 1099-C and paid through my personal taxes. its still being reported falsely on my credit report.

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 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have emailed Captial One CEO and talk to other People at Capitial One I had a credit card I paid off.. It was charged off it keep reporting as charge off every month when its not supposed to the dola date doesnt match at all and tia not reporting the same on all 3 credt reports.. I know for facr capitial one has deleted accounts off reports acorrding to u.sc 1681 any informarion that has to be reported accuartly and it has not rhe dola date doesnt match all captial one keep doing is reporting as charge of chragre off which it is dead account smd paid for and its not reporting accurate either

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experean incorrectly lowered my credit score from XXXX in late XXXX to XXXX during XXXX of XXXX because XXXX XXXX  incorrectly reported to them that I had a delinquent overdue fee on my credit card with XXXX XXXX. But that is all incorrect! As XXXX XXXX can testify, there was NEVER a delinquent nor overdue charge EVER on my credit card with XXXX XXXX! As documented in XXXX case number XXXX of my account number XXXX it was always XXXX XXXX XXXX mistake to report incorrect information to Experian, and there was never a delinquent nor overdue status on my account. XXXX XXXX has fixed the mistake, but Experian continues to report a " late payment '' on my credit report and reduce my credit score by XXXX points when it should have never been lowered below the XXXX level that it was in early XX/XX/XXXX. So Experian should remove any history of " late payment '' and return my credit score to near 790, because there have been NO LEGITIMATE COMPLAINTS against my credit since it was XXXX in late 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