vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Purchase made XX/XX/XXXX at Value City XXXX financed through Synchrony Bank ( SB ). Terms were 36 equal monthly payments of {$180.00} with no interest if paid in full by XX/XX/XXXX. Payments made each and every month well before the due dates. SB statement closing date XX/XX/XXXX shows XX/XX/XXXX payment ( due XX/XX/XXXX ). SB statement closing date XX/XX/XXXX shows XX/XX/XXXX payment ( due XX/XX/XXXX ) and XX/XX/XXXX payment ( due XX/XX/XXXX ). SB statement closing date XX/XX/XXXX shows no payment for the one due XX/XX/XXXX because it already showed on SB closing date XX/XX/XXXX. SB imposed late fee of {$30.00} and showed two payments due. My letter to SB dated XX/XX/XXXX protested the late fee because my payment was not late. SB form letter in response simply explained that fees that may be assessed appeared on the back of each statement. SB statement closing date XX/XX/XXXX shows payments made XX/XX/XXXX ( due XX/XX/XXXX ) and duplicate payment made XX/XX/XXXX. ( I had adjusted automatic payments to SB for this account so that they would not be posted on the closing date and inadvertently sent the duplicate payment. ) This statement also shows an additional late fee of {$41.00} plus {$2.00} interest on " 'purchases '' -- no additional purchases have been made. My letter to SB dated XX/XX/XXXX again protested the imposition of the late fee and noted that I had not received a response to my XX/XX/XXXX letter. SB then sent a letter on XX/XX/XXXX stating that " after review '' the {$30.00} late fee would be credited to my account. SB statement closing date XX/XX/XXXX shows the late fee being credited on XX/XX/XXXX and payment made XX/XX/XXXX ( due XX/XX/XXXX ). It also imposed a new late fee of {$41.00} plus {$2.00} interest on purchases -- no additional purchases have been made. SB statement closing date XX/XX/XXXX shows payment made XX/XX/XXXX ( due XX/XX/XXXX ) a refund of a late fee of {$41.00} plus a new late fee of {$41.00} and interest on purchases of {$2.00} -- no additional purchases have been made. We have received nearly daily automatic text messages and emails about our account being past due. The payments have regularly been made in advance of the due date. I believe SB 's practices are inappropriate and the imposition of late fees and interest has been unwarranted. I have not been able to resolve this dispute.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-01-24 00:00:00
Product: Credit reporting 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:
Im begging you please remove this to the 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 2024-01-24 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: MD

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.

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have previously disputed this fraudulent account last year and this account was removed from my credit report. I have even sent a notarized signed affidavit and an FTC report to the company directly and also to your company and now this fraudulent account has been sold or whatever to another company and has been put back 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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: RI

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.

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 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 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
Checkbook was missing from associated bank someone wrote bad checks using my name

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
In XXXXXXXX XXXX while using the Ally Bank app, I encountered a prominently displayed offer stating, 'Pre-approved! Get 0 % APR for 15 mos. with Ally 's Everyday Cash Back Mastercard. 22.99 % APR after. Get Offer. ' This was positioned above my account balances, giving the impression of an exclusive, direct offer from Ally Bank. There were no disclaimers or indications that this was subject to credit approval or involved a third party. 

Believing in the legitimacy of this pre-approval, I proceeded to apply for the card because I wanted to strengthen my relationship with Ally Bank as I intend to apply for a mortgage in the near future. My financial standing at the time included a credit score of over XXXX, with responsible credit usage ( less than 6 % of my available credit ), no debt collections, no late payments in more than five years, and a very strong financial profile. However, to my surprise, the application was denied. This denial was not only unexpected given the 'pre-approved " status but also adversely affected my credit score, as it introduced an unnecessary inquiry. 

Following this, I reached out to Ally Bank seeking explanations and resolutions. I asked for specific details on why the offer was presented as a pre-approval when my application was eventually subject to further scrutiny and denial. Furthermore, I inquired about the measures they could take to rectify the situation, such as removing the credit inquiry from my report or reconsidering the application in light of the misleading information provided and the very reasonable belief that this had to be a mistake. 

The responses from Ally Bank were inadequate, even hostile by a supervisor, failing to address the core issues of misleading presentation and its impact on my credit. There was no satisfactory explanation provided for the discrepancy between the offer and the actual application process, nor were there any concrete steps proposed to amend the negative impact on my credit score. There was literally no way for me to escalate the matter internally that might have led to a fair resolution. 

I would also like to note I continue to receive this offer in the app, even after being denied, and Ally Bank will not provide an explanation for this. Honestly, it just feels like pouring salt in the wound. I will attach these screenshots to this complaint.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed 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 2024-01-24 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: PA

Complaint narrative:
My personal info was subject to identity theft in which multiple items showed up on my credit report between the years of XXXX These items are listed in my ftc report which I uploaded wihh the a copy of my ID and copy of section 605b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I paid off my vehicle, but the lien holder had the physical title and placed an electric lien on the title. I have spoken to a few representatives and requested they submit the request to remove the lien, but they insist their is not electronic lien. I then tried to provide the phone number provided by XXXX to them to verify but the stated they can not call a 3rd party. I requested to file a complaint, but have not hear anything back. They have advised they can only send me the payoff letter and I can take that to the XXXX, but they have already advise me they will not accept it and the request has to come from the bank directly and internally.

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 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/XXXXXXXX  I received an alert in my credit monitoring account where a utility accounts that is not mine, is reported in collection under my name and I noticed that i have two accounts that were opened under my name without my consent or authorization. I immediately took action on this issue because i have never had a bad credit history and also, noticed an incorrect name and incorrect address that does not correspond to me. I already reported my suspicions at the police department. Know in XX/XX/XXXX, i receive a new notice about other account reporting under my name that i have never used from BRCLYS BANK and they reporting lateness. This account and the other two from XXXX XXXX and BRCLYS BANK also reporting the same thing. Please helping me with this issue because i have many time trying to resolve this mare with the credit bureaus and nothing happens.

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 2024-01-24 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: SC

Complaint narrative:
In accordance with the Fiar Credit Reporting act. The list of accounts below have violated my federally protected consujmer rights to privacy and confidentiality under USC 1681. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: NY

Complaint narrative:
I have previously disputed this fraudulent account last year and this account was removed from my credit report. I have even sent a notarized signed affidavit and an FTC report to the company directly and also to your company and now this fraudulent account has been sold or whatever to another company and has been put back on my credit report. 

Accounts Information XXXX Account # : 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 2024-01-24 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: CT

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.

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 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 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Beginning in XX/XX/XXXX to the current month of XX/XX/XXXX, M & T Bank has been charging overdraft fees for charges on my debit card despite the fact that I have opted out of overdraft protection. 

I contacted M & T through their message portal. M & T confirmed that I had opted out prior to these charges but declined to reverse the fees. They did not provide a reason for their failure to reverse the fees. 

I understand banks are allowed to charge overdraft fees for certain types of charges regardless of opt out status, however these charges do not fall into those categories.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I am a real estate agent in XXXX XXXX, AL. Within the past month, I have been informed by my prospective buyer clients that Navy Federal Credit Union ( mortgage division ) provides borrowers with favorable mortgage terms based on using specific real estate brokers in the transaction. Unfortunately I am not in a position to disclose my client details but I am sending this in hopes that the matter could be looked into and that there is nothing illegal or inappropriate with these borrower incentives. I have been told by XXXX unrelated buyers that the mortgage company is paying funds toward buyer closing cost if the buyer/borrower uses one of their preferred realtors. Thank you for considering this notice and feel free to reach out if you have any questions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Please See Attached Documents for additional information that was requested by the Credit

Reporting Agency. Enclosed Documents -Determination/Certification Letter -Trafficking In Persons Letter/Adverse Items -Passport ID -Federal ID -Bank Statement Credit Reporting Agency requested additional information to process block due to documents not being legible, 11 days after the 5 day deadline requirement, violating the regulation implemented for the Act. The Credit Reporting Agency have not implemented the proper procedures required by the regulation, giving victims the option to submit documentation online causing me the consumer no other option but to submit additional documentation through the CFPB, due to not having a stable address at the moment caused by this situation! Equifax also violated the law and submitted my trafficking documents to the credit furnisher which disagreed and said information was accurate when the credit furnisher never had any right to be disclosed my trafficking documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
On XX/XX/year>, I closed XXXX accounts ending in XXXX and XXXX. I paid the balances in full by the due date. On XX/XX/year>, Capital One charged me on XXXX {$43.00} for interest and a {$40.00} past due fee. On XXXX I was charged {$43.00} for interest and a {$40.00} past due fee. This is contrary to the Capital One application terms I agreed to. 

On XX/XX/year>, I spoke to XXXX XXXX who stated they would not be making any adjustments.

Company response to consumer: Closed with monetary relief