vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-01 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In XX/XX/2021, I voluntarily paid SYNCB chargeoff account XXXX in full. Since then, I have contacted SYNCB in vain on numerous occasions requesting that they either update their inaccurate data ( chargeoff status still remains ) or delete the account ( it is now paid in full ) that is currently reporting collection/chargeoff to the credit bureaus. 

Not only has SYNCB refused to update the erroneous information reporting, SYNCB has consistently verified to the credit bureaus since XX/XX/2021, that their reporting is accurate. As of today 's filing, the status of the now paid in full account, is blatantly reporting as a chargeoff. This is done to intentionally suppress an individuals credit scoring. 

As stated above, I voluntarily paid this account in full in XX/XX/2021 and I have not had a negative payment history in years. Unfortunately, SYNCB is currently intentionally disguising this mischaracterized account to the credit bureaus to imitate the account as if it is a recent negative chargeoff acount that commenced 5 months ago. This is also done to intentionally suppress an individuals credit scoring. 

It is my belief that SYNCB is intentionally reporting this disguised, mischaracterized account ( status : chargeoff ) to the credit bureaus in retaliation for my many disputes sent to the CFPB and State AGs office regarding their privacy policy noncompliance over the last 3+ years. 

SYNCBs intentional infliction of emotional distress, deception, negligence and retaliation, has caused me tremendous stress, credit card denials, credit line increase denials, and missed business opportunities. SYNCB owed me a duty of extreme care to properly investigate and only report accurate credit information to the credit bureaus. SYNCB has failed to meet this required standard of care.

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 2021-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I sent money using the venmo app to have digital art made. I sent the person funds and never received the product I had ordered. I filed a dispute with venmo to attempt to mediate ( like a credit card does ) to work to get refunded or the goods delivered. 
Venmo did neither. I received a response within two hours of chatting with a venmo online chat rep. that read " For resolution, we ( venmo ) recommend that you reach out to the receipt of the payment, as we are not able to provide reimbursement or mediation in this instance. '' Moreover, " If you are unable to contact this person ( which I can not because they have blocked me on social media ) you may consider filing a report with your local law enforcement agency. Law enforcement can send a request for information to venmo. Once we've received this request we will be more than happy to assist the agency with their investigation. '' " I apologize that we are unable to assist further with this matter. '' So basically, venmo is allowing scammers to actively use their platform. Moreover, Venmo is falsely advertising that they offer the same benefits as a credit card for scam protection for the buyer, and/or seller.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 166XXXX ( b ) billing error ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me XXXX  days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. Upon reviewing my updates, incorrect information was found in my report. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX USC XXXX XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : ( XXXX XXXX  Date of inquiry XX/XX/2019 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
My complaint is against Capital One Bank, in 2020 when covid was raging I was approved for unemployment in XXXX through a hearing when my payments abruptly stopped through no fault of my own, the ceased payments caused me to get XXXX miss payments in XXXX & XXXX. I have NEVER had a missed payment EVER with my Capital One accounts, Card or Auto and as soon as I had the money I paid my account. I have spoken to Cap One and even offered cash to remove the missed payments but all they would say is that they were running a program for covid hardship and since that's closed theres nothing I can do, but my point is I didn't know of said program nor had the ability to learn of it due to I couldn't pay for cable and would have went homeless if not for the eviction moratorium. As a Capital One member that all but those XXXX missed payments has exceptional payment history should be cut some slack with this.! It wasn't my fault the money stopped, I am high risk plus couldn't get childcare to work there was literally nothing I could do. I personally feel as if I'm being bullied for something that was out of my control and I really need some help to clear this egregious oversight up Please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I reached out to SYNCHRONY BANK in regards to my account with them that my credit limit was decreased, I informed them this was unauthorized used of this credit card and that I the consumer received no benefit informed the agent that this is a billing error and I request all and any documentary evidence along whit a full ledger of this account, the agent ignored my request and left the live chat and never acknowledge my request as stated in the live chat with the agent : I am formally giving you notice of this billing error, I the obligor request full file disclosure, additional clarification including documentary evidence for public and private side ( all documents, paper, correspondence, books of account, financial and corporate records, journal and credits of account, ledger and debits of account ). With out the requested documents I the consumer will not be able to clarify and address such subject matter contained in this billing error if the documentary evidence requested is not provided per the law and outside firm will be hired to perform a forensic financial audit for the account utilizing the Bloomberg terminal I expect that you will exercise your grave responsibility with fairness, impartiality, and respect for the consumers right to privacy the agent ignored my request and failed to answer or acknowledge my request and left the chat

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 2021-12-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Over the last 6 months, I have been trying to correct my credit report and I have been told by the credit reporting agency, such as Experian, XXXX, and XXXX. 

Per speaking with them I have found very disturbing information that is really frustrating. I have tried many times to have them correct these theses and you will see in some of the screenshots. 

I have disputed these items that are on my report several times and all they say is that it has been verified but how can these accounts be verified when they have not shown me any paperwork. I never gave them permission to put this on my credit report. 

Bankruptcy Discharged XX/XX/2018 The accounts that were discharged in my Bankruptcy are as followed : -First Progress XXXX XXXX XXXX XXXX XXXX XXXX XXXXk XXXX Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report. 
As a consumer, I have asked for it to remove and it is still on there. This is hurting me from receiving credit, this is causing great harm to my living.

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 2021-12-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX paid {$2200.00} out of my escrow account to the wrong insurance company. The payment should have gone to XXXX XXXX, my insurance company, but it did not. I have called loandepot at least six times and have spent over an hour on the phone with them each time. I have been told that they will get the money back or that they will cancel the check but that has not happened. As of today, XX/XX/XXXX, the money has not been returned to my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I XXXX XXXX XXXX am working on my own credit and requesting that you process my request below or I will be reaching out to an attorney. I am keeping record off all communications and non communications. 

I have received a current credit report from your organization. After reviewing the personal records, it is clear that the following accounts appear with no regard for accuracy as required by the Fair Credit Reporting Act. Creditor is U.S. Bankruptcy Court XXXX I am really worried about the consequences of this error since I am in the process of asking for a loan. 

I respectfully request some instrument that bears my signature on this account or the item must be deleted from your report within the next 30 days. 

Please provide the name, address, and telephone number of each credit grantor that you have contacted. 

Under federal law, you have thirty ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your investigation.

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 2021-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
I have a loan with BMW financial my payments are automatically taken from my XXXX XXXX checking account each month. I had this load almost 2 years now. I don't know the reason why and BMW financial  never told me the reason why the payment of {$1100.00} for XXXX XXXX XXXX was taken from my bank account twice causing XXXX XXXX XXXX to charge me overdraft fees and put other wrongful limits on my checking account. I call them and let them know that and they stop the reaccuring draft because it tried to get withdrawn several times. But XXXX XXXX XXXX still did not take out those overdrafts they just refunded a portion of the fees and I just have to live with those over drafts on my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: GA

Complaint narrative:
I spent countless times sending letters and documents to Experian only for them to lose them or when I try to upload them on their website, they always tell me that the documents are illegible. Now I have resorted to Consumer Financial Protection Bureau to help get this matter resolved. I have talked to numerous of Fraud Specialist at Experian only for them to do nothing to resolve this matter. Experian representative XXXX is totally useless and unprofessional with an " I do not care '' attitude. I sent multiple certified letters to Experian only for them to respond after the 30 days time frame which is illegal and they are breaking the law. 

I have attached a letter from XXXX stating for Experian to remove and delete this fraudulent account which Experian refuses to delete and remove. The following accounts need to be deleted and removed immediately due to fraud and identity theft. I did not benefit from any services of these fraudulent accounts : 1. XXXX XXXX XXXX Account number # : XXXX Balance : {$8600.00} 2. XXXX XXXX XXXX XXXX Account Number # : XXXX Balance : {$1100.00} 3. XXXX XXXX XXXX XXXX Account Number # : XXXX Balance : {$5200.00} 4. XXXX XXXX XXXX Account Number # : XXXX Balance : {$0.00} 5. XXXX XXXX XXXX XXXX XXXX Account Number # : XXXX Balance : {$3000.00} 6. XXXX XXXX XXXX XXXX XXXX Account Number # : XXXX Balance : {$10000.00}

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 non-monetary relief
Consumer complaint received 2021-12-01 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:
I sent a letter regarding inaccurate and unknown things on my credit report. So this day XXXX days later i have not received any respond yet. Section XXXX ( a ) Stated account should be removed if no response within 30 days I feel like i am being taken advantage of and being ignored of my disputes. I demand these account be deleted immediately or i will file litigation for the stress you've caused 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 2021-12-01 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:
I sent a letter regarding inaccurate and unknown things on my credit report. So this day XXXX days later i have not received any respond yet. Section XXXX ( a ) Stated account should be removed if no response within 30 days I feel like i am being taken advantage of and being ignored of my disputes. I demand these account be deleted immediately or i will file litigation for the stress you've caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: CA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself. These accounts are reporting late as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. 

( 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 2021-12-01 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: CA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself. These accounts are reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: TX

Complaint narrative:
I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year, this is not a regular dispute I will be seeking to file a complaint with the FTC and XXXX if this account is not deleted off my consumer report and to my knowledge, I do not recall any of these accounts. I need this problem fixed ASAP. I demand this account to be deleted immediately or I will file for litigation due to the stress you caused me. Section XXXX ( a ) it is plainly stated it is plainly stated a failure to investigate these items to immediately remove this item from my credit report. Follow the orders on my cease and desist if not able delete this account 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
Consumer complaint received 2021-12-01 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: CA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Transunion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Transunion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, 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 2021-12-01 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: CA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I made a payment to my Wells Fargo Visa credit card through transferring the amount of {$4000.00} on XX/XX/21. I monitor the available credit on my cards to maintain a low balance and to help protect against fraudulant activity on my accounts, in doing so I noticed on XX/XX/21 I had an available balance of {$3400.00} for my Wells Fargo Visa which has a credit line of {$5000.00} so I made a payment of {$1600.00} on XX/XX/21 to keep my balance at {$0.00}. Today ( XX/XX/21 ) I signed on to the online portal and to my dismay I saw an available line of credit of ~ {$270.00} which tranlated to me owing {$4700.00}. 

I immediately called the Wells Fargo Customer support line as the math didnt make sense as the transactions including pending transactions didnt total the balance shown. Upon being transferred to the XXXXCustomer Advocacy ' team I was informed that they had a 'glitch ' which applied a duplicate payment to my account and they 'fixed " the glitch. I proceeded to inform the agent that this was completely unacceptable as I had received no communication or advance warning of any these issues and she proceeded to search for a communication or bulletin. After about XXXX minutes of putting me on hold she was unable to refer to any artifacts sent to me notifying of the event and the redaction they applied to my account. I have no fair in their accounting and am now concerned what other alterations have been made to my account without my knowledge.

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