vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/2023, I applied for credit card at SAMS CLUB issued by SYNCHRONY BANK to pay for my total purchase and future purchases. I was instantly denied and sent an adverse action notice. The adverse action letter states that the decision was based in part on a credit scoring system that was used to evaluate my request. It stated that the most significant reasons where I did not score well are listed below : Revolving account balances are too high in proportion to credit limits, too many recent inquiries, not enough total credit line, and recent over limit on a bankcard account. It states that some of the information used to make the decision was obtained from the consumer reporting agencies : XXXX and XXXX. As stated in the Adverse Action Letter and Congressional Findings ( 15 USC 1691 ( a ) ( 3 ) ), The Federal Equal Credit Oppurtunity Act makes it unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction, on the basis, because the applicant in good faith exercised any right under the Consumer Credit Protection Act. I exercised my right by applying for an extension of credit with SAMS CLUB and provided all of the information that was asked for and I was denied. I have been denied an extension of my credit after applying for a credit product at Sam 's Club issued by SYNCHRONY BANK. Which means that, at that point after I applied, I should not have been denied or discriminated against, because that is unlawful. SYNCHRONY BANK has violated my right and discriminated against me by willingly, knowingly, and unlawfully denying me an extension of my credit. The factors that have been listed above about the decision of my credit has no relevancy as to why I was denied an extension of credit and discriminated against for just applying for the extension of credit. The denial of the extension of credit has been detrimental to my credit file. It has been reported on my XXXX and XXXX credit files and it is affecting me getting credit extended with other creditors. I have been denied several times due to having this inquiry listed in my credit report. It has been no benefit to me but more of a deterrent to applying for credit.

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 2023-05-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/2022, I was notified by XXXX XXXX that beginning XX/XX/2022 my mortgage loan servicer would be XXXX XXXX. Per the letter notification I began making remitting my payment to XXXX XXXX. 

I recently pulled my credit report and XXXX XXXX is report mortgage late payments for the months of XXXX, XXXX and XX/XX/2022. This is a RESPA Violation, as my payment was not late. 

I am refinancing my loan and have been denied due to XXXX XXXX erroneous credit reporting. I have reach out to XXXX XXXX requesting a letter that I was not late. I also requested then to correct the error with the three Credit Bureaus. I have not received any response for XXXX XXXX. 

The situation is adversely affecting my ability to refinance my mortgage loan. 

Thank you, 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 2023-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am shocked and upset about the erroneous things I have seen in my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. Can you please clear this up as quickly as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am shocked and upset about the erroneous things I have seen in my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. Can you please clear this up as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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:
There is an Eviction showing that first appeared on my credit file between XXXX, for amount of {$4700.00}, it has changed from one reporting Bureau to another. The company is XXXX XXXX. I disputed this item and address of XXXX XXXX XXXX XXXX that appears as well. We noticed that a real investigation never took place, but repeatedly placed back onto my report. The amount is different on different Bureau, the date continues to be updated to appear it's new, when we hired Credit repair company to help, dates went from XXXX to XXXX, now XXXX. I submitted a document from Transunion that shows the original debtor, XXXX XXXX, paid debt off. The other Bureaus continue to replace it into my credit stating I should pay said amount of {$4700.00} which is an attempt to gain another payment for same debt that was reported and paid by XXXX XXXX. I informed them that this will be filed with IRS, to make them aware of additional attempt to gain Payment from me for a debt that I disputed several times, that the original debtor paid. I never gave any supporting information that this belongs to me, or that any of my own personal information be shared or sold. It is clear that something wrong is happening with my credit, there are several spellings that are incorrect, several addresses over twenty that I've been made aware of recently, along with numbers that are not mine.

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 2023-05-10 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:
There is an Eviction showing that first appeared on my credit file between XXXX, for amount of {$4700.00}, it has changed from XXXX reporting Bureau to another. The company is XXXX XXXX. I disputed this item and address of XXXX XXXX XXXX XXXX that appears as well. We noticed that a real investigation never took place, but repeatedly placed back onto my report. The amount is different on different Bureau, the date continues to be updated to appear it's new, when we hired Credit repair company to help, dates went from XXXX to XXXX, now XXXX. I submitted a document from XXXX that shows the original debtor, XXXX XXXX, paid debt off. The other Bureaus continue to replace it into my credit stating I should pay said amount of {$4700.00} which is an attempt to gain another payment for same debt that was reported and paid by XXXX XXXX. I informed them that this will be filed with IRS, to make them aware of additional attempt to gain Payment from me for a debt that I disputed several times, that the original debtor paid. I never gave any supporting information that this belongs to me, or that any of my own personal information be shared or sold. It is clear that something wrong is happening with my credit, there are several spellings that are incorrect, several addresses over twenty that I've been made aware of recently, along with numbers that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
On XX/XX/23 I received a transfer through XXXX from my dad for {$1000.00} and another on XX/XX/23 to use as a deposit on an apartment. These are immediately available funds. I then proceeded to make a transfer of {$2000.00} to the owner of the apartment as the deposit. The transfer was unable to be processed and the app informed me to call the bank ( Ally Bank ). I called, and they said the transfer could not be verified. I spent nearly XXXX hours on the phone with them across multiple phone calls on XX/XX/23 trying to get my information verified. During one of those calls, the customer service representative hung up on me because he didnt think he was speaking to the account holder ( his words ). I was then fully locked out of my online banking account. Upon calling back on XX/XX/23 I was informed that they had frozen both my accounts, so I would be unable to use my debit card or receive any funds or use the account in any capacity. I was even told that I would not be able to verify my information via email, even though that is already a verified method of communication and has not changed in years. They then said there was nothing else they could do and the issue would be escalated to Loss Prevention. 

I had not heard from Ally since then, so this afternoon at XXXX I called them again. I spoke with a customer service representative who transferred me to a loss prevention representative. That loss prevention representative stated that he would disconnect the call and call me at my contact number on file ( this was confirmed during the course of the call ). He disconnected the call, I waited 5 minutes and did not receive a call. I then called the bank again and spoke with both customer service and loss prevention again. I was informed that they had no record of me speaking with loss prevention today and that there is nothing further that can be done until loss prevention can verify my phone number. 

Every time I have called the bank, I have used this number and it functions fully. My phone number was changed with the phone company on XX/XX/XXXX  and shortly thereafter I updated it with Ally Bank online and seemed to have no issues until XX/XX/. 

I requested that my account be closed and was told that they can not do that either until my phone number has been verified so they can properly identify me. This is now the 5th day of this issue ongoing and I need access to my account, funds, and livelihood and the bank is doing nothing to progress this to resolution.

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 2023-05-10 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXXXXXX Account ending in XXXX was paid off as agreed. XXXX XXXX XXXX was all the payments made as agreed. Almost 1 year later they say I have a balance of XXXX or more. I called back sent over the payment history and they confirmed a glitch in their system. Talk to them XX/XX/2023 they saying its a balance of {$300.00} but my credit is say XXXX balance. Conflicting stories. Please help I feel helpless like Im being taking advantage of. 

I paid {$540.00} for 12 months as agreed now they saying they dont see it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have a XXXX Credit Card from Synchrony Bank. 
Am under the promotion of 0 % for XX/XX/24 months for some of my projects that would add upto over $ XXXX or around.since around XXXX XXXX 

Meanwhile, I also purchase from XXXX regularly products using this credit card with 5 % discounts. 

Since I do not like to be in debt, I keep overpaying by 'thousands ' than my regular minimum payment on the 0 % promotion AND also assuming that this payment would be applied towards my regular purchases. 

This FRAUDULENT bank charges me for late fees and interest fees saying those payment are for the promotion and NOT regular purchases. 

Since, I know this is Fraudulent activity by the Bank, am able to fight it out get the Interest/Fees waived off. 
But, am sure this bank is charging such fees to other customers and duping them with this fraud activity. 

This should NOT have happened to me and I shouldn't be fighting for an interest/late fees that I should not be paying in first case as am overpaying by thousands, not even hundreds. 

Every Bank that you overpay, first applies that amount towards regular charges and then promotions that has 0 % but this Synchrony bank is conducting malpractice to dupe it's customer and indirectly XXXX customers. 

Please conduct an investigation on this Bank and you may discover more such malpractices

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 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I sent a certified letter to them on XX/XX/23, and asked them to stop reporting my innacurate information to the 3 credit bureaus without my permission. They are reporting late payments as well.

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 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I bank with Chase Bank and I have made 5 payments at different times in the last 60 days to the same payee in the amount of {$1600.00}. XX/XX/XXXX, XX/XX/XXXX and XXXX for {$500.00} on the XXXX of XXXX. The payee has only received one payment. I called Chase and asked for copies of the checks that went out and proof they were printed. They will not give me this information and I need prove this to the payee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, 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: MO

Complaint narrative:
ALL ACCOUNTS PERMANENTLY LISTED BELOW : NO WRITTEN CONSTENT TO DISCLOSE PRIVATE INFORMATION 15 U.S.C 1681a ( 2 ) Exclusions : ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; 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 ) Also states, A consumer reporting agency CAN NOT FURNISH a Account without my WRITTEN CONSENT/INSTRUCTIONS. 

DELETE ALL LISTED ACCOUNTS BELOW : or I WILL SUE YOU Civil Federal courts {$1000.00} and additional damages for willfully non compliance UNDER FCRA Account # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-10 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: AZ

Complaint narrative:
My XXXX XXXX card was automatically transferred to Wells Fargo on XX/XX/2023. I activated it that day. I went on line to set up the account for payment on line that same day and I was unable to do so. I called their XXXX number for assistance and was told they needed more information and I needed to go a branch to try and set up the account on line. I then called their customer service number who then transferred me XXXX and spoke with XXXX who told me I needed to have a mobile phone in order to open the account on line. I told her I did not have a mobile phone and that the site stated in the on line application that the mobile phone was only recommended. She told me that it was required. I said I thought that would be discriminatory against elderly and poor people. She forwarded me to their XXXX XXXX and I spoke with XXXX and I told him to just cancel the card. He recommended that I wait until my payment by phone was processed. The next day I received a message from XXXX XXXX from XXXX XXXX offices. I left 3 messages for her and did not receive a call back. On XX/XX/XXXX I received a letter from XXXX that my phone payment had been credited to the account. I then called and closed my account. Told them the reason for closing the account was that the requirement to have a mobile phone in order to open the on line account was discriminatory and that no other financial institution that I deal with requires that. No one talked to has been able to explain their policy. I still believe that the requirement to have a mobile phone is discriminatory.

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 2023-05-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I was unable to get a rep on the phone to resolve any of my issues. I was made aware by Equifax that my personal information was leaked to the dark web and I have hard inquiries on my credit report and collections that are not mines. I have filed a police report but the credit bureaus are refusing to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: PA

Complaint narrative:
I was unable to get a rep on the phone to resolve any of my issues. I was made aware by XXXX that my personal information was leaked to the dark web and I have hard inquiries on my credit report and collections that are not mines. I have filed a police report but the credit bureaus are refusing to remove them.

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 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I submitted a claim on XX/XX/ and XXXX  for over {$16000.00} in unauthorized transactions that were payable to " XXXX XXXX XXXX '' over a 6 month period prior to noticing this. 

I do not have any accounts with XXXX XXXX XXXX or any other online casino. In fact, I am " self excluded '' from participating in any gambling activities in the State of New Jersey. 

These funds were clearly a case of fraud, however Wells Fargo decided to deny my claim. 

I had a similar earlier claim for " XXXX XXXX '' which was APPROVED and the funds were returned to me. 

I'm not sure why Wells Fargo has denied this claim. To date, despite multiple requests, Wells Fargo has failed to contact me and give me the evidence as to why they believe I made the transactions. 

I have resubmitted the claim multiple times, tried for a smaller amount, spoke to a branch manager, discussed this with at least 5-6 agents from Wells Fargo , wrote a letter to the entire executive team at Wells Fargo . To date, I have not received any resolution to this matter other than " your claim is denied '' without any reasoning behind it. 

Wells Fargo states that their " accounts are fully protected against fraudulent transactions ''. This is not accurate, as I have not recovered this money. I have submitted the evidence that I am self excluded from online gaming activity. I have confirmed with the XXXX XXXX XXXX that I have never used their services. 

I am at a loss as to what I can do next.

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 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them 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