vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I had a fraudulent activity on my account dated back since XX/XX/2023. This involves my Synchrony Bank/Lowe 's credit card in which my account was charged {$17000.00}. Immediately I got the charges I alerted Synchrony Bank and Lowe 's. I went to the police made a report XXXX XXXX XXXX XXXX. I went over to lowes on XXXX occasions called a police trying to get a footage of the transactions. They refused to give it to us. I was on the line with lowes executive and Synchrony Bank asking why dont they coordinate to resolve this matter. Meanwhile it is still showing on my credit report affecting negative as it is showing I have used 75 % of the total on the card. Synchrony bank refused to give a letter to remove it off my 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 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: DC

Complaint narrative:
XX/XX/21 I called company to follow up on likely a fraudulent charge since I had received a text saying bill was past due. 

They told me charge was not fraud but was annual fee. I told them to cancel the card and fees since I don't use the card. They said we can't. I asked for proof that they notified me as I had been on travel. Or if they sent something certified they said no. I said please cancel card and extra fees. I do not use the card. They said no. I escalated and this is still not resolved. I just want my card canceled and for fees and penalties to be removed.

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 2024-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: OK

Complaint narrative:
In XXXX we had a fire that burnt our house to the ground. When we received the insurance money, we just wanted to pay off the loan and go on with our lives. XXXX XXXX XXXX XXXX told us no that we could not do that. So, after fighting with them and hiring a lawyer, we sent them the check and started building our new house, which we finished in XXXX. When all said and done there was around {$4000.00} left that they are still holding on to this day. We are in the process of saleing our farm, which is where the house is, and purchasing another farm. I asked for payoff letters and when I go them there were all kinds of fee that were attached. We have paid {$50000.00} on the loan and but most of that went to all the fees. Then when we got the latest payoff notice there was another loan attached to it. This loan was supposable taken out in XXXX to keep XXXX XXXX XXXX from foreclosing on us. This loan is from HUD and was to be paid at the end of the loan. I have requested payoff for it through HUD but have not heard how much that is going to be once they add their fees. We feel that if XXXX XXXX XXXX XXXX would have taken the insurance check in XXXX we would not have had all the fees and interest that we are now paying. 
Also apparently, they and their parent company Lakeview Loan Services has had numerous security breaches that we had no idea they had. We were never contact that we might be one of the people information the hackers had gotten. 
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 explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX multiple fraudulent transaction on Paypal occurred. 

I responded to an ad on XXXX on XX/XX/year> that was soliciting investors to invest in an online onlyfans type business. The company name is XXXX XXXX and website is juicy.network and the ad promised a return of XXXX the investment amount over a 1 year period. However, the website never got off the ground even though the owner by the name of XXXX XXXX continued to promise each month that the site was just about to launch. Nobody at the company responds to my emails or texts about what is going on. I have already demanded a full refund of my {$15000.00} investment via email but have not received any response to that demand either. 

XXXX XXXX and the company is registered and physically based in XXXX XXXX but has also registered the business in the XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Email : 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 New York XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX No XXXX XXXX XXXX WY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: CA

Complaint narrative:
I reviewed my consumer credit report and noticed I had two late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a to responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX and XXXX. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: CA

Complaint narrative:
I reviewed my consumer credit report and noticed I had two late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a to responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX and XXXX. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot 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 2024-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This letter is an overview of the fraudulent activity that occured on my XXXX XXXX XXXX Account ending in XXXX. 

XX/XX/XXXX was incarcerated in the Alabama Department XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. 

XX/XX/XXXX I released my personal property, ( cellphone & Wallet ) to my daughter ( XXXX XXXX ). 

XX/XX/XXXX, XXXX XXXX XXXX illegally and without authorization stole my wallet and cellphone from my daughter 's house. 

XXXX had been a roommate and I had known her for a couple years. 

The first thing XXXX did was to change my username and passwords on XXXX email, XXXX, XXXX, and XXXX XXXX XXXX. 

She now had control of all my accounts. She had access to my phone & email for verification purposes. 

XX/XX/XXXX Unauthorized XXXX transfer {$500.00} to XXXX XXXX. 

XX/XX/XXXX Unauthorized XXXX  transfer {$500.00} to XXXX XXXX. 

XX/XX/XXXX Unauthorized XXXX transfer {$360.00} to XXXX XXXX. 

I contacted XXXX XXXX and file a Fraud Claim. 

I asked XXXX to change my username, password, email, and phone number associated with my account to stop her from taking more. 

XXXX said that my account would be frozen and that I would need to come to a local branch and show ID to gain access. I was incarcerated and assured them I would do that upon my release. 

XX/XX/XXXX Unauthorized XXXX transfer XXXX to XXXX XXXX. 

I was extremely upset with Chase Bank and how they did nothing to protect me. They said someone called into Customer service and activated the account. 

Chase Bank disconnected the XXXX feature on my account and froze the account again. 

I now had to file yet another XXXX claim for XXXX My claims where denied with the findings that the transactions were from the same phone, email, and XXXX Banking XXXX. 

I explained once again, aim incarcerated, I didn't have the option to have my cellphone in jail. It would be impossible. 

XX/XX/XXXX Unauthorized XXXX XXXX ACH transfer of {$500.00} to XXXX XXXX. 

XX/XX/XXXX Unauthorized XXXX XXXX ACH transfer of {$100.00} to XXXX XXXX. 

Now I had XXXX fraud claims. XXXX {$2600.00} and XXXX XXXX {$600.00}. 

XXXX told me to refile the claims with PROOF OF INCARCERATION AND RELEASE proving my innocence. I filed that with XXXX on XX/XX/XXXX. 

Both claims were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
The Amex account is a business account that should not be reporting on my personal report and furthur more the debt was written off and should be removed by the credit bureaus from my personal credit report immediately. Account opened : XX/XX/2021 Balance : {$28000.00} .... 
Account number :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: MN

Complaint narrative:
Incorrectly informed as to the policy and procedure in resuming payments on the mortgage as negative credit reporting and stating that forbearance must end automatically by expiration of the applicable time period before any payments should be made or could be made to avoid delinquent status. I attempted to make payment prior to the end date of the forebearance as to mitigate any negative reporting and mitigate any potential damage only to met with a purported mandate that mortgage could not be serviced until after negative reporting would have been furnished by operation of terms. Full payment of all amounts past due would have been furnished to mitigate such damage.

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 2024-02-21 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: FL

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. 
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 has violated my rights XXXX15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 non-monetary relief
Consumer complaint received 2024-02-21 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: NJ

Complaint narrative:
The XXXX account is a business account that should not be reporting on my personal report and furthur more the debt was written off and should be removed by the credit bureaus from my personal credit report immediately. Account opened : XX/XX/year> Balance : {$28000.00} .... 
Account 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 non-monetary relief
Consumer complaint received 2024-02-21 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: NJ

Complaint narrative:
The XXXX account is a business account that should not be reporting on my personal report and furthur more the debt was written off and should be removed by the credit bureaus from my personal credit report immediately. Account opened : XX/XX/year> Balance : {$28000.00} .... 
Account number :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: NJ

Complaint narrative:
The XXXX account is a business account that should not be reporting on my personal report and furthur more the debt was written off and should be removed by the credit bureaus from my personal credit report immediately. Account opened : XX/XX/year> Balance : {$28000.00} .... 
Account 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 non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Collection Agency Name Address City, State Zip Name of Original Creditor Address City, State Zip Name of Original Seller ( car dealer ) Address City, State Zip Re : Acct # XXXX XXXX XXXX XXXX XXXX Make of car : XXXX Model : XXXX VIN Number : XXXX To Whom It May Concern : I am writing concerning the above-referenced accounts and transactions.

This vehicle was reported repossessed in the State of Florida on or about, XX/XX/2023, my payments have been current and up to date. My car is not repossessed, and is in my possession. 

According to the Fair Cresi Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly Delete all information that is inaccurate, incomplete, or which can not be verified.

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

Additionally, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I called XXXX and Equifax to dispute several unverified, fraudulent inquiries from my consumer Report they told me I had to file a Ftc report and I have to send it in the mail to them before they can do anything. I will attach a copy of the information I asked them to remove. 
Name Requested On 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  I want this information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to you to request the removal of incorrect addresses from my credit report. Upon reviewing my credit report, I have noticed that there are addresses listed which are not associated with me or my current residence. These inaccuracies are potentially affecting my creditworthiness and financial standing. 


My only addresses that should be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX I confirm that the addresses mentioned above are the only valid and accurate addresses associated with my current residency. Any other addresses listed on my credit report are erroneous and should be promptly removed to ensure the accuracy and integrity of my credit profile. 

I understand the importance of maintaining accurate credit information and request your prompt attention to this matter. Please investigate and rectify these inaccuracies as soon as possible. If you require any additional information or documentation from me to facilitate this process, please do not hesitate to contact me at the provided contact information. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the removal of the incorrect addresses from 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 explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX a collections account was opened. XXXX XXXX is the original creditor. Jefferson Capital System is the debt collector. The total debt is XXXX dollars. I have no knowledge of this account until it appeared on my XXXX XXXX  account. When I went to the 3 credit bureaus to file a dispute the collections account already damaged my credit. My credit had previously been affected by XXXX XXXX before for the same charge back in XXXX If you could please remove this collections account from my record and prevent XXXX from doing this again. Ive never had an account with XXXX so I dont know how they got my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: CA

Complaint narrative:
Procollect has not provided the information that they stated they would provide. They have not verified the debt, provided an accounting of the debt, provided a copy of the debt with wet signature as stated in their response to the CFPB.

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