vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-21 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: Synovus Bank
State: CA

Complaint narrative:
I closed my credit card account in XXXX was issued another in account in XXXX. The account that was close had {$43.00} credit new account with renewal fee open at {$49.00} which never received the bill because I never access the card XXXX. First Progress reported I was 30 days late on {$49.00}, I called explaining that on the close account I have a {$43.00} credit. Can you please add it to the new account and I owe you XXXX XXXX they refused closed my account ruin my credit score I attempted to fax their fax machine for a goodwill adjustment. One of their employees stated their fax machine have been down from XXXX XXXX XXXX XXXX, and was re-working sometime in XXXX, I still have two bills that I just received in XXXX saying {$49.00} I owe one bill saying {$43.00} credit. They have ruined my credit I lost XXXX and something points and theyre continually reporting XXXX XXXX late on my credit report then they will re-reset and re-report a XXXX, XXXX I can not contact you because I do not have an open account. They are violating the FRC rules and I need to be compensated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: NY

Complaint narrative:
I had payment taken weekly and I was under the assumption and was told the bank was applying that money towards the load principle weekly. Come to find out they were hold my money until enough money was there for a full payment. My payments should of went directly on the load. The bank owes me for all the extra interest charged me because it should of been going down weekly not monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mediation Recovery Center
State: GA

Complaint narrative:
Last month, I received a notice from Mediation Recovery Center claiming that I owe {XXXX for a medical device related to a XXXX I had XXXX years ago XXXX XXXX XXXX XXXX. The notice claims that the original creditor is XXXX XXXX XXXX  and that the Current Creditor is XXXX XXXX XXXX. The account # provided by XXXX was XXXX. The original Account # is XXXX. The notice also states that if I were to pay immediately, they will discount my bill to XXXX 

This letter was the first time I've ever heard of this balance due. 

A few days later, I received a phone call from a representative of XXXX, again claiming that I owe this balance and requesting that I pay immediately. I asked him why it took XXXX years for this bill to make it's way to me. He could not give me a clear answer, other than to say that his company purchased the receivables from XXXX XXXX XXXX. I asked him for a contact person at XXXX XXXX XXXX that I could speak with. He responded that this company went out of business. He went on to threaten that if i did not pay this bill immediately, that they would report this to the credit bureaus. 

The unprofessional manner in which he behaved and the length of time since my original XXXX leads me to believe that this is a scam. 

In speaking with a CFPB XXXX, he informed me that I should be protected under the CFPB No Surprises Act passed in XXXX. He also suggested that I file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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 kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

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 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America fraudulently tried to open a credit card in my name on XX/XX/XXXX. I forwarded the email to their abuse email address to notify them that I did not apply for a credit card and this is fraud. They sent another email on XX/XX/XXXX advising me that they could not pull my credit report because I have a freeze on my credit. Again, I responded this is fraud as I did not apply for credit. On XX/XX/XXXX and XX/XX/XXXX they sent me text messages " regarding my credit request ''. I know that Bank of America was recently fined by CFPB $ XXXX in XX/XX/XXXX ; apparently they are STILL trying to open accounts without permission!! They need to STOP!!!! I believe they have my name and information as I used to be POA on my dad 's accounts at Bank of America ( which we closed ). I never applied for a credit card, am not a customer of Bank of America, and years ago, placed a freeze on my credit as I don't need credit and to protect myself from fraud. But that isn't stopping them from harrassing me to unlock my credit so they can process a fraudulent credit card account.

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 2023-08-21 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: NY

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. 

Account name : XXXX XXXX : # XXXX, Account name : XXXX XXXX : # XXXX, Account name : XXXX XXXX : # XXXX, Account name : XXXX XXXX : # 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no, consumer reporting agency may make any consumer reporting 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 in accurate.

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 2023-08-21 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: NY

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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX : # 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no, consumer reporting agency may make any consumer reporting 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 in accurate.

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 2023-08-21 00:00:00
Product: Student loan — Federal student loan servicing
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: EdFinancial Services
State: NY

Complaint narrative:
ED Financial XXXX account number Ed Financial has not update the credit bureau 's since XX/XX/. 
I've tried contacting with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
On XX/XX/XXXX Huntington closed my account, said they wrote me a check for XXXX $ and send the balance XXXX $ to my XXXX  account. Unfortunately the XXXX $ sent to XXXX  was never credited to my account in XXXX. I need help with that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have had multiple issue with PayPal Credit. I even slammed them with the XXXX XXXX XXXX  and my Resolve request to PayPal is to close my Account as They stated they would. I have continued to receive fraud e-mails so I called PayPal today XX/XX/2023 and Paypal tells me that PayPal Credit is STILL OPEN! I also requested today XX/XX/2023 for Paypal to close my regular account and this is how I found out about PayPal Credit and regular Paypal refuses to close that account as well. I do have the documents from the XXXX XXXX XXXX and can provide those if requestedat a later time as they are not in reach at this time. I have too many scams coming from Paypal and Paypal continues to lie to me regarding the closing of my accounts. My accounts I found out today are still open. Paypal must be investigated! Just asked the operator to put her supervisor on the line and she just attempted to side - step me. Told her once again to put the Supervisor on the Line and still waiting on hold @ 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 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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 want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed 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 non-monetary relief
Consumer complaint received 2023-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please remove all these hard inquiries as I did not authorized them : XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Miscellaneous ) XXXX XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) 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 2023-08-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-08-21 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: AR

Complaint narrative:
credit acceptance will not verify any information they are reporting on my credit report i have filed several disputes yet this negative reporting still continues without cause

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 2023-08-21 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: AR

Complaint narrative:
XXXX XXXX will not verify any information they are reporting on my credit report i have filed several disputes yet this negative reporting still continues without cause

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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: MN

Complaint narrative:
As I was looking at my credit report as I do very regularly and came across an account that showed up on my credit report on XXXX from XXXX XXXX without any prior knowledge, I received a letter dated XXXX from XXXX XXXX XXXX PA stating that I need to send a letter if I wanted to dispute the validity of so called debt and required that I send in a response by XXXX. This account is illegally reporting on my credit report and in violation of my consumer laws, in many cases I have to right to seek litigation. It is illegal to report this account to the CRA if I provide such dispute before given deadline which was XXXX and an investigation must be completed. Here is the tracking number for the letter send certified mail : XXXX which was delivered on XX/XX/2023, XXXX am. 
I will also attach the letter sent to XXXX XXXX  XXXX below. 

15 USC 1692 ( e ) and 15 USC 1692 ( f )

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 2023-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I received a letter from Convergent dated XX/XX/XXXX on XX/XX/XXXX, for an outstanding debt for a XXXX account that I never opened. I believe I am a victim of identity theft and have been trying to rectify this issue with XXXX directly. I reached out to XXXX asking for proof of substantiation, in which they forwarded me via phone call to a separate debt collector, XXXX group. I mailed a letter sent by certified mail to XXXX XXXX requesting proof of substantiation, in which I received no reply. When calling XXXX group, the representative said they no longer had this debt in their possession. When calling XXXX asking for information about this account to be emailed or mailed to my actual personal mailing address, the XXXX representative said they could only mail or email documentation to the personal information noted on file, which is not my email address ( XXXX ) or my personal mailing address ( XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ). The XXXX representative told me to file a police report with the local authorities if I believe the account was opened via fraudulent terms. When going to the police station XXXX New York XXXX Police Department XXXX XXXX in XXXX, NY ), the police officer stated that I must provide proof of substantiation from XXXX in order to process the police report. As I have absolutely no paper or electronic documentation of this account, I have been unable to submit a police report. The only paper mailing with the account number stated that I have received to my actual mailing address ( where I have lived since XXXX ) has been this notice dated XX/XX/XXXX, which I received in my mailbox on XX/XX/XXXX. In order to file a police report, I need actual notices and letters from XXXX, not Convergent, stating my claim for being a victim of fraud. I have a separate XXXX account ( # XXXX ) which I am enrolled in XXXX and have been paying on time each month since I moved to XXXX, NY in XX/XX/XXXX. I am not sure how the fraudulent account ( # XXXX ) was opened using my name and SSN, and false personal information that is not tied to me in any way ( email, phone number, mailing address ) and would like to request proof of substantiation of the account being opened, proof of information they used to open the account, proof of collection of debt, and any additional information that can be provided so I can file a police report. I am disputing this debt and will not be providing payment for a fraudulent account.

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 2023-08-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GVA Holdings, LLC
State: TN

Complaint narrative:
I had borrowed {$650.00} in XXXX of 2023. A payment arrangement of {$150.00} every two weeks is taken out by direct deposit. After XXXX  months of payments I contacted Bright Lending. I had a previous loan with them that I paid off the year before. I paid that loan off early. If I were to keep making the biweekly payments, I will have paid {$3200.00} by the end. I tried to call and settle the loan. They wouldnt allow me to pay off the loan while there was a pending payment. After that payment processed, my balance increased. I reached out again and they told me I could pay {$750.00} to pay off the loan. I asked if I could split the final payment off, pay half or more now and pay the rest when my next payment would be made. They would not allow that. They are a predatory practice preying on desperate people in this time when many are struggling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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: IL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with explanation