vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Fees accrue for late payment the day it is late - i.e. bill due XX/XX/XXXX, on XX/XX/XXXX late fee is applied. However, late fee is not added to balance until next billing statement, so you think you are paying full balance, but you have a late fee that hasn't shown on account yet, although it is already applied to account. So you think you have payed off card, but you still have a balance that is accruing interest - the late fee. Other cards I have, late fee is added to account when it is charged so if you pay your account late, you can pay late fee and be paid in full. In my opinion, this is done to accrue fees because many people don't get or see paper statements and do not realize they have a late fee accruing interest because you think you paid the account in full all be it late.

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 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Atlanticus Services Corporation
State: DC

Complaint narrative:
On XX/XX/XXXX I requested 2 new cards for both of my Fortiva credit card, and retail card accounts. XXXX and Kansas delayed issuing both the cards for 1 month and a half. While they ignored ordering the card my balances kept being depleted as if they had the card themselves after every payment. The available balance would disappear. They put in another order XX/XX/XXXX and again no cards were sent for both accounts yet my available balance kept disappearing. It is not XX/XX/XXXX. I again requested 2 cards for both accounts and none arrived yet they kept apologizing in the chat when I ask for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX XX/XX/20 I was given a XXXX XXXX Notice to Vacate my apartment by my landlord. Complying with this request I was not allowed a final walk through of my apartment. The management of the XXXX at XXXX XXXX located in XXXX Florida, made a decision to falsify a final bill of {$1700.00}. This bill charge me for water for 15 days at a crazy amount of {$170.00}, however my normal bill for water, sewer, and trash was {$45.00} per month, apartment damages {$330.00} and insurance {$50.00} NSF fee {$50.00} just to give you an example of their erroneous charges. This is in retaliation for filing a complaint with the XXXX XXXXXXXX XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX XXXX came back with finding in my favor of Racial Discrimination. Which discredited some of these charges. In an act of further retaliation they have had a collection agency place this derogatory information on my credit and screening report so that I can not rent another apartment, I hired a credit repair group, who had this item removed from my credit report only to have it immediately put back on my credit report. Due to these behaviors H.U.D. has started a new case on my behalf for further harassment. I will go into detail further once I am contacted.

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 2023-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
please reference attachments for complaint, exhibits and specified remedy below is attacheed my current complaint dated XXXX  exhibits of the incorrect amounts with dates the complaint/previous complaint sent to the Attorney general and Aldous & Associates . 
and an invoice

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2023-01-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
in XXXX of 2022, it became impossible for me to make my mortgage payments and I began missing the required monthly payment in XXXX. During this time I submitted many detailed requests to Wells Fargo asking they verify the contract, produce a wet ink signature contract, and provide a detailed accounting of the account each time they sent items that were not specific and detailed. They never provided a detailed accounting for me and many times stated invalid UCC codes or stood behind claims of proprietary information. I also provided them with a promissory note in XXXX and they refused this payment, but kept the note, not returning it or acting on its delivery. I have since borrowed some money and caught up on my delinquent payments. My account is in dispute and they have charged late fees, improperly damaged my credit at the reporting agencies, and not kept my information private and secure. I also pulled a XXXX XXXX with the XXXX XXXX XXXX XXXX in my name and can find no liens. How is it that Wells Fargo is reporting information about a mortgage account when no lien is filed with the XXXX XXXX XXXX? The actions of Wells Fargo acting in this manner and not following the ruling and procedures of the XXXX XXXX XXXX XXXX XXXX, Fair debt collections act, and XXXX have harmed me in a manner currently unimanagable.

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 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I was charged {$5700.00} for a furniture purchase in XX/XX/2022 that was never delivered. I asked the my credit card company, TD bank, to reverse the charge on XX/XX/2022 after I received information from the vendor regarding my unfulfilled order that I knew to be false. I received a letter from the credit card company saying a temporary credit would be issued and an investigation initiated. Because no credit was issued, I requested the reversal again on at least two occasions and received written notice at least two more times that a temporary credit would be issued and an investigation commenced. Despite repeated calls to the credit card company, and despite providing them with complete documentary evidence pertaining to the vendor 's failure to deliver, no credit has been issued, nor have I received any information from the credit card company as to the status of my dispute. More than three months has elapsed since I initiated the request for reversal of the charge. I have called the credit card company as recently as XX/XX/XXXX to inquire as to why there has been no credit issued nor, I suspect, and investigation commenced. I have not received a credit to my account nor any information as to the status of the investigation, despite over two billing cycles/ 90 days elapsing since I requested the credit and investigation of the charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12 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: IL

Complaint narrative:
I have submitted two letters in XXXX and XXXX of 2022 to TransUnion asking them to remove a charged off account off my credit report and asking them to send me documentation that I originally signed for this account. They have ignored my requested by updating the account on my credit report stating that they verified the account without any documentation supporting this account. I have also asked them to remove any inquiries dating past 30 days that doesnt hold any accounts 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 2023-01-12 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: AL

Complaint narrative:
XXXX FORMELY XXXX XXXX The last past payment reported on my consumer report with this account is incorrect. 

Ive notified Transunion of this via : certified mail. 

( Attached ) Circling the inaccuracies. They have ignored my dispute changing nothing. 

( Note : this is my XXXX dispute ) I have attached my credit report, it shows a last payment of XX/XX/XXXX. That is incorrect. 

In fact, the accounts historical trended data shows a last payment made XX/XX/XXXX ( attached ) How could there be two LAST payments? 

This is reflecting an incorrect month and year the account would remove from my report. 

As the FCRA states I ask that this account is complete, timely and accurate if it is reporting to my consumer report. If not, remove it in completely.

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 2023-01-12 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: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
My mortgage was purchased by Mr. Cooper ( XXXX XXXX XXXX XXXX XXXX ) and they notified the credit reporting agencies that I was 30 days late on a payment. My XXXX account is set to automatically make the payment on the 1st of the month and processed normally. My payment amount increased, and I was not notified so rather than processing the partial payment they held it. When my next payment arrived 29 days later, they applied it to the principal but kept holding the monthly payment and reported it as 30 days past due. They finally contacted me, and I made the payment and adjusted my autopay. Mr. Cooper ( Company ) indicated that they applied the second payment to the principal because it was in the same month. My payment history clearly shows this is not their standard procedure because if the 1st falls on a weekend or holiday the payment is processed the day before and this happens frequently. I believe they should have released the payment being held ( without notification ) and I would not have been 30 days late. When I contacted them, they reversed the incorrectly applied principal payment and the one being held after I made the additional payment to cover the difference in the new amount. I contested the negative entry as my credit score dropped over 100 points. I reviewed the comments on Mr. Cooper 's XXXX page, and they appear to consistently have poor business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I received an auto loan in XXXX  and my payments are not behind and never have been, but Capital one continues to negatively affect my credit report by pulling a hard inquiry at some frequency. I have asked why and noone has an answer. I want them to stop pulling my credit for an existing, current loan. It's hurting me and they stay on XXXX  years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied for the XXXX XXXX XXXX card with Chase because on the XXXX website they were promoting a " Get a XXXX XXXX Dollar Statement Credit after your first purchase.Opens Offer Details Overlay * Plus earn XXXX points after you spend {$500.00} on purchases in the first 3 months ''. After applying for the card, being approved, and immediately making my first purchase of XXXX flights, I received my billing statement. Upon reviewing my billing statement I saw that the {$200.00} credit had not been applied. I called the company and they are now saying that the promotion I have is indeed another one, but I told them that that is impossible since the only marketing I ever saw and clicked on was for the promotion stated above. They are now going to send me a letter in XXXX business days explaining their reasoning. I find it extremely unfair to have to pay a {$69.00} annual fee for the card, and they not hold up their end of the bargain. If anything I should've just bought the flights without applying for the card!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion and XXXX are consistently violating my federally protected consumer rights to privacy and confidentiality under FCRA 15 U.S. CODE 1681. XXXX and Transunion are also reporting my alleged relationship with XXXX XXXX and XXXX XXXX XXXX. 
XXXX and Transunion are also reporting late payments on my credit report in which are illegal under 15 U.S. Code 1605 - Determination of finance charge - There Should be no late payments if a finance charge was involved. Finance charge is the sum of all charges so theres no late payments.They should all be removed from my consumer report under 15 USC 1605 ( a ).

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 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
During XXXX, I was literally XXXX XXXX XXXX XXXX. Wells Fargo was advised of this XXXX times. But for some reason, they closed XXXX credit card ( leaving a XXXX XXXX open ) they closed it, charging it off and wrecking my credit. 

I provided medical information, hospital information, etc and they refused to correct this error. 

I am still working to have this removed and they just don't care. I have been a bank client since XXXX 

I would like to join the XXXX XXXX XXXX against Wells Fargo, for mistreating customers.

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 2023-01-12 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: SUN LOAN COMPANY INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX SUN LOAN COMPANY XXXX I was never late with this company, the credit bureau XXXX XXXX ) are ignoring my disputes. 

Date updated shows XX/XX/2019. Which indicates there was not an investigation. 


I have sent disputes XXXX consecutive months now. Still nothing. 

Failing to Follow Debt Dispute Procedures is a violation of this FCRA. 

I have attached my last dispute with XXXX in regard to this account alongside the certified mail recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Hi! 
I purchased an item online on XX/XX/XXXX by using PayPal services under they promised protection. 
I filed a complaint with PayPal on XX/XX/XXXX bc the seller havent provided shipping information and tracking information.Payment closed my case bc the seller eventually provided a tracking information.By that PayPal closed my complaint bc by their policy if the seller provided the tracking information for the item they will close the complaint. 
By tracking the package I should have received the item by XX/XX/XXXX but I never did it. 
After calling XXXX they said the package been delivered to other address in our city and an other person and not to us.They say the package never been addressed to usXXXX refused to give us more information bc of privacy reasons. 
After telling this to PayPal they refused to help us even there are evidences on our sides.They havent even opened an another case.I am unfortunately looks like got scammed and PayPal refuses to fulfill they promise to protect me and get me a refund.And also very concerning PayPal doesnt require sellers to provide evidence when they ship the item what is the name of the recipient and what is their exact address.So scammers can just give a tracking information and just send a made up package to a made up random address in the same city. 
The value of the item was 2020 $ It was a XXXX XXXX. 
Please note the proof of delivery does not show the address where the package been delivered.This is bc privacy reasons and bc the package wasnt addressed to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates
State: CA

Complaint narrative:
Background, I had a small business telephone account with XXXX XXXX XXXX. I had XXXX XXXX XXXX XXXX XXXX on the account. Account number is ( was ) XXXX. Subsequent to my XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I cancelled the service with XXXX XXXX XXXX that same XXXX. 
In XX/XX/XXXX, I received a bill from XXXX XXXX XXXX. I called and after more than XXXX XXXX mostly on hold, it was discovered that the phone service stopped but the XXXX service continued, including the service on my XXXX XXXX XXXX 
I was told that it was corrected, and they apologized. 
Then in May I received another bill, the same amount {$71.00}. I called again. The same thing, mostly on hold this time for more than XXXX XXXXXXXX XXXX and transferred around to many different individuals. Same result, Iwas assured that it was corrected, and they apologized. I never received written confirmation to the adjustment or corrections that were made for any of the time I spent on the phone with XXXX XXXX XXXX personnel. 
XXXX XXXX, I received a notice in the mail from Prince Parker & Associates XXXX Inc a debt collection agency. The reference # XXXX dated XX/XX/XXXX. 
I called the number to dispute the charge. The person related they do not have any of the records from XXXX XXXX XXXX and could not address the dispute. I was then told " just pay the {$71.00}, it is a such a small amount and not waste any more time trying to make it go away ''. 
I can only say that in good conscience, I tried to handle this matter properly. And it is true that after the many hours I have spent, worth far more that the {$71.00} it seems foolish. But I did my best to amicably end the partnership with XXXX XXXX XXXX. Shame on XXXX XXXX XXXX for continuing to remind me of the grief we have. 
Each time I have contacted XXXX XXXX XXXX  and after the conclusion of each of the numerous contacts with the tens of XXXX XXXX XXXX XXXX, I was asked if I would leave a positive response to the service provided. I am sure, if the right people know how matters such as mine are being handled at XXXX XXXX XXXX they would address it and at the least would certainly follow up with written confirmation of handling matters instead of things coming to this. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation