vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank and Verizon wireless induced me to apply for a card that was immediately rejected causeing harm to my credit rating.

This is any of a Synchrony Bank or Verizon or combination of the two mess up that encouraged me to apply for Verizon/Synchrony credit in lieu of my existing options.

The application was rejected and I used my existing option anyway to effect the transaction.

However, my credit rating was unnecessarily harmed.

When I called Synchrony Bank representative to erase the application, he refuse, washed his hands and said complain to the relevant authorities.

The Verizon/Synchrony Bank application number is 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 2022-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
For several months now, my mortgage holder, Chase, holds my payment checks drawing up the interest. There's no reason they should do this as I always send the mortgage payments via check a week or longer in advance. I feel they are doing this intentionally as I draw closer to paying off the mortgage to prevent me from paying it off sooner than later. 

I have had other issues with Chase like when I tried to refinance with them and they became uncooperative and almost impossible to contact during the process. This is for obvious reasons as my mortgage is at 6 % and they don't want to refinance it at a lower rate. 

I started noticing the delays in cashing my check several months ago and have written to them on a couple of occasions about the issue. They don't do anything and yet I'm seeing a charge for interest on my mortgage account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: TX

Complaint narrative:
Back last year I filed a complaint due to the fact that I have an FHA loan and had requested forbearance due to hardship because of covid and Selene finance told me that my fha loan was switched to a conventional because of a late payment they also stated this to cfpb which is incorrect. 4 different times I have requested ALL account stmts, payments, and all loan documents showing where this is not fha and that it is a conventional loan and they have yet to send anything but what can be pulled up on the account on the system for the last 2 years which is what was verbally held I had HUD research the case number and they found that someone dropped the ball and did not file the case number. I also spoke with a lady who stated that there were bankruptcy papers in our file and this was incorrect. Once I got the attorney for them involved and cfpb and hud counseling they stopped the forclosure and were supposed to be doing a real forbearance for the last 2 1/2 months I have called and called and went straight to voicemail or customer service who gives me the same number and option I called into to set up our payments that we can make now and I finally got through today after learning that we are being foreclosed on XX/XX/XXXX this isnt right we signed at closing a note that is fha in XXXX and no where Is there a conventional loan documents signed All we want is for them to follow what was originally signed and are even willing to sign a new note after the original loan paperwork, payments fees has been sent to us as requested in writing several times and been investigated on there end as well and then a repayment plan done. We are on the middle of having to replace all kinds of stuff in the home including roof, plumbing, and the whole sunroom. We would honestly be better just walking away from the property at this point but this is our home that we are trying to keep and just want this all fixed so this is continue to happen Thanks Forbearance was requested in writing and verbally to Selene an acknowledgement was received on each one but nothing was ever sent to us. Please advise how we need to proceed. I am also going to go to XXXX XXXX, my colleague at OIG, FOIA with HUD if I do not get any kind of answers by XXXX. Regard to the mass amount of calls but its unfair to never answer until week before its going to auction especially when we are wanting to set up pmts to repay this and get back on track for the last 2 years. Please get a solution for us that is reasonable I have our original note, dot, all other paperwork as well as pmi payments to we have paid on this loan .if this needs to be sent we can upload this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Synovus Bank
State: AL

Complaint narrative:
I was contacted by a fake number using my bank, Synovuses phone number. The scammer told me someone was making unauthorized transactions from my account. They asked for my username and password to my online banking and got in. After, the scammer sent themselves a total of {$7500.00} through XXXX. I called to make a fraud report and the bank neglected to shut down my XXXX account, so the day after they stole {$5000.00} they were able to get the other {$2500.00}. Filed a fraud report and it was denied by my bank and XXXX. Synovus says theres nothing they can do. I did NOT authorize these transactions or willingly send anyone money. I need to file through Regulation E to get my money back from this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
This is an UPDATE with new information. Pursuant to 15 USC 1692g, I requested a reinvestigation of my consumer report for accurate and fair reporting. I still have not been furnished with ORIGNIAL copies of my contract signed with my SIGNATURE on it. Instead, I have received statements, which does not indicated that those are my accounts. The company is in violation of 15 USC 1692g, as I, as the consumer, did not verify the accuracies. The " statements '' showed that the accounts are accurate. Who confirmed it? Only I as the consumer have the right to verify if an account is mine. I also requested no XXXX verifications. The company is also in direct violation of 15 USC 1681 because it states that FAIR AND ACCURATE reporting. Also according to 15 USC 1681i ( 5 ) ( A ), the information on my consumer report is supposed to be REMOVED if it is not verified. And only I as the consumer can verify the information, as I am the one who " signed '' the alleged contracts. Also pursuant to 15 USC 1681n, I am entitled to monetary compensation PER VIOLATION due to willful negligence of the company not properly responding to my request as a consumer. I WILL exercise my rights as a consumer and pursue the matter in court if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: VA

Complaint narrative:
This is an UPDATE with new information. Pursuant to 15 USC 1692g, I requested a reinvestigation of my consumer report for accurate and fair reporting. I still have not been furnished with ORIGNIAL copies of my contract signed with my SIGNATURE on it. Instead, I have received statements, which does not indicated that those are my accounts. The company is in violation of 15 USC 1692g, as I, as the consumer, did not verify the accuracies. The " statements '' showed that the accounts are accurate. Who confirmed it? Only I as the consumer have the right to verify if an account is mine. I also requested no E-OSCAR verifications. The company is also in direct violation of 15 USC 1681 because it states that FAIR AND ACCURATE reporting. Also according to 15 USC 1681i ( 5 ) ( A ), the information on my consumer report is supposed to be REMOVED if it is not verified. And only I as the consumer can verify the information, as I am the one who " signed '' the alleged contracts. Also pursuant to 15 USC 1681n, I am entitled to monetary compensation PER VIOLATION due to willful negligence of the company not properly responding to my request as a consumer. I WILL exercise my rights as a consumer and pursue the matter in court if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX at XXXX XXXX an unauthorized charge of {$270.00} to my debit card account of Citi Bank from the XXXX XXXX XXXX located in XXXX XXXX, XXXX. location. 
Citi Bank never resolved this issue refunding me the money my Bank Citi Group, rejected the dispute and I never received the documentation or information related to the disputed amount that they used in the investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX informed me someone tried to Open a secondary account online using my information. I have received notices that accounts and possibly lines of credit are being opened using my information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: EQUIFAX, INC.
State: MD

Complaint narrative:
To whom it may concern, The reason for this letter it to dispute multiple unauthorized inquiries on my credit report. On XX/XX/XXXX, I retrieved a copy of my credit report Equifax and discovered multiple unauthorized inquiries that I have no knowledge of. 

Because I did not apply for credit with XXXX XXXXXXXX XXXX XXXXXXXX XXXX DATE : XX/XX/XXXX ; XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXX ; XXXX  XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; and XXXX XXXXXXXX XXXX XXXX DATE XX/XX/XXXX, I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an COMPETENT LEGAL BINDING verifiable AND PROVIDE THE NAME OF EACH PERSON YOU SPOKE TO PROVIDE THE DATES TIME OR ANYTHING PERTAINING TO THIS MULTIPLE UNAUTHORIZED INQUIRERS into XXXX XXXX to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report effective immediately and provide and updated report to my only mailing address that should be listed as XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, Delete any other addresses listed that should not be on my report effectively immediatley. But if XXXX XXXX BANK XXXX ; XXXX XXXXXXXX XXXX ; XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; and XXXX XXXX XXXX, is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted e-oscar verification or any automatic verification is not warranted. 

Thanks in advance for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Today, XX/XX/22 I obtained my credit reports from XXXX Credit Report website, per usual Equifax 's wouldn't work. Before ( like the past few years ) I never had the time to sit on the phone or they were closed for the day by time I could call them, but today I did after yet another " failed verification '' even though XXXX and XXXX has never had an issue. After waiting on hold for XXXX minutes, the lady sent me a link to upload my license front, back, and a picture of myself to then be told it didn't verify. A FOR PROFIT company illegally not letting us obtain our reports is highly unethical and illegal per yours and XXXX acts. I find it very unsettling that they want everything but a blood sample but won't give you the information that is being used against you, because they are paid off by the supposed scamming debt XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
Western Finance address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX phone : XXXX email : XXXX During routine attempts at contacting me via references, gave my loan info to my reference to accept a payment of a past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX was paid off. 
XXXX USAA Bank XX/XX/XXXX automatic payment was taken out of my checking account for the amount of {$300.00} after the loan was satisfied. 

XX/XX/XXXX called USAA bank to see if I can get my money back. Still nothing. 

I called USAA on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX about helping get back my {$300.00} back into my checking account and stoping the automatic payment from happing again. Also, about title for the car no help just the same thing over and over nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WAKEFIELD & ASSOCIATES, INC.
State: MI

Complaint narrative:
On numerous occasion I asked for written communication only. They call me and my family members repeatedly and use abusive communication tatics. I have still yet to receive my debt validation letter. Next step is to get an attorney and go after them for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: TX

Complaint narrative:
I have issues with XXXX XXXX XXXX popping up on my credit report. The Inquiries listed below must be Deleted since I did not Authorize the creditors to pull my credit nor did I authorize any creditor to hit me with a Hard Inquiry please conduct your investigation and DELETE any and all Hard Inquiries. I am not applying for any credit since I am looking to purchase a home in the near future. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX DC XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion

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 2022-02-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have issues with XXXX XXXX XXXX popping up on my credit report. The Inquiries listed below must be Deleted since I did not Authorize the creditors to pull my credit nor did I authorize any creditor to hit me with a Hard Inquiry please conduct your investigation and DELETE any and all Hard Inquiries. I am not applying for any credit since I am looking to purchase a home in the near future. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX Equifax XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Experian falsely claimed to have had contact with the city on XXXX. Upon reaching out with the city of XXXX they denied any such claims to have any contact with Experian. I will be seeking to pursue further legal action against Experian for their false claims and lack to fully investigate the matter.

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 2022-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the XXXX 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the XXXX to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$520.00} XXXX XXXXXXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States XXXX has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within XXXX days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request 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