vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony strikes AGAIN! I am just so completely dumbfounded. I have had this complaint previously and they hide behind " we apply payments to promotions that are ending within 60 days '' WELL??? I have a promotion expiring XX/XX/2023 and XX/XX/2023. GUESS WHAT?? Synchrony applies {$98.00} of my payment to the promotion expiring XX/XX/2023. 

Once again, unless a consumer IS ON TOP OF THEIR GAME, LIKE I AM, Synchrony PURPOSES does this as a fatal default and UNJUST ENRICHMENT because they offers are DEFERRED INTEREST. If a consumer were to ignore this EGREGIOUS error the consumer would suffer a {$300.00} INTEREST CHARGE!!!!! Disgusting. 

This is on top of the fact that I did a return of merchandise to the retailer. Items purchased WERE within this very promotion, and when Synchrony processed the return they credited another promotional balance that the purchase was NOT made under. AGAIN. XXXX  Synchrony, XXXX the consumer.

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 2023-04-27 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: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
I have applied for a used car loan for dealership at XXXX XXXX located in XXXX, LA. There were 7 creditors that have made hard inquiries to my XXXX credit report, and they refused to remove them when XXXX XXXX took over for my car loan. By Federal Law, Credit Bureau Agencies I was told by XXXX can not honor request by consumer. The hard inquiries prevented me from applying for a credit card XXXX XXXX XXXX XXXX XXXX. 
XXXX, LA. XXXX XXXX The following companies made credit inquiries on my report that have no financial activities on my report and should be removed : XXXX. Ally Financial XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Second Credit check was done by XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC.
State: PA

Complaint narrative:
Despite contacting them numerous times they will not give me direct access to my tax documents. I am a joint owner on the account which means I am just as responsible as my husband who is the primary joint owner. However, I have been told I need to contact my husband every time I need to access my tax documents. My husband does not like to go online for reasons related to reducing fraud. Regardless, I need to have access to my financial documents. 

In addition, I have sent multiple requests regarding updating our address from our previous house to the house we are paying the mortgage on. During the application process we did confirm this will be our primary address yet Axos keeps sending our statements to our old address. I have emailed them copies of our drivers ' licenses to confirm our address but they will not update the address. Yet again I am told that my husband will have to update the address online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Emergent Business Group, Inc.
State: FL

Complaint narrative:
The company stated that I owed the {$1900.00} after taking a {$1200.00} loan and paying them approximately {$1300.00}. The debt collector sent a settlement of {$730.00} to close and then called with another offer of {$950.00}. I requested some information from the condo-any to have a paper trail but they refuse to provide the details and was being very rude on the call. Another agent took over the call and got very loud and I felt very much violated. They also advised me that this was the last offer before they take legal action or damage my credit. I politely refused their offer until I have some paper trail but they were not very happy with me.

These are the information I requested : 1. Proof that your company owns my debt or that you have been authorized to collect it from me by the original creditor.

Note : Please send this proof of authorization 2. Who is the original creditor? What was the original amount owed? How much of what you are attempting to collect is fees and interest accrued since your company took possession of this debt? 

3 What is the debt collectors name, the name and mailing address of your company and the name and phone number of your supervisor.

4. Are my offers for balance reduction reported to the Credit Bureaus? If so, how these will be reported to the credit bureaus?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On my statement dated XX/XX/23 : Due date and amount due is : XX/XX/23 in the amount of {$270.00} ( {$270.00} principle and {$.00} interest ). The amount due is the last amount due on my mortgage, aside from {$1400.00} that I deferred during Covid-19. I made my mortgage payment online ( which is the payment process I submit all my payments ) on XX/XX/23. I tried to submit a payment in the amount of {$270.00}, however, when I tried to make a payment, I received a prompt that stated " Amount must be between {$270.00} and {$270.00} ''. So, I went to " other payment option '' and made a payment in the amount of {$270.00} ( which was the only amount I could submit ). After a couple days after submitting the payment, I noticed the payment was deducted from my checking account and the payment went to " unapplied credit '' on my mortgage account. On, XX/XX/23, I chatted with an online representative and they stated they would send in a ticket to have my payment sent from " unapplied credit '' to my mortgage payment. They said to wait for 4 days for the payment to apply. I waited XXXX days and the payment was still under " unapplied credit ''. I then called the mortgage telephone number several times and talked to a representative on ( I believe the dates were ; XX/XX/23, XX/XX/23, XX/XX/23 and XX/XX/23 ). ALL OF THESE representatives gave me the same runaround as the representative I chatted with .... '' my payment would be applied to my mortgage payment ''. I also called my local fifth third branch on XX/XX/23 and they stated I needed to go to the branch to make my payment and have it applied. I went to the local branch and they said they could not help me make the payment. They chatted with someone online and that person told me to call the mortgage telephone number. Which I did call and the date is shown above. Also, on XX/XX/23, the representative told me to give them my checking account number so I could make a {$1.00} payment since the amount I paid was almost {$1.00} short. That payment was taken out of my checking account and sent to " unapplied credit '' on my fifth third mortgage account. On XX/XX/23, Fifth Third charged me a late payment fee in the amount of {$13.00}. On XX/XX/23, I requested to speak with a supervisor but the representative told me this was not possible at that moment and I will have to wait for a supervisor to contact me within 72 hours. I believe I have been patient enough and I need this situation handled ASAP. I have wasted hours of my time and have received several mail correspondences as well as emails regarding my late payment. I made the payment on XX/XX/23. XXXX payment is not late!! Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

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 2023-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
After reviewing my credit report i have noted some discrepancy on LVNV FUNDING LLC validation was requested and none was provided. I have not received any correspondence from them only harassing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want you to update this account as I am never late in this 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 non-monetary relief
Consumer complaint received 2023-04-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My house has been sold and the Amount deposited on my Account bank of America ( Attached Transaction Statement {>= $1,000,000} ) it is landed in my account on the XXXX XX/XX/2023 in addition to my original amount which already inside the bank {$29000.00} ( statement attached ). 

After selling the house I traveled to XXXX XXXX because I have intention to buy house and living with My niece ( her name already registered in my account as a beneficiary ) so we made the first transfer {$500000.00} which was on XXXX XXXX ( attached transaction statement ) and it is landed in her bank account XXXX XXXX on the next day XXXX XX/XX/2023. 
the rest amount in Bank of America was XXXX, XXXX and I intend to make another transfer to my niece bank account XXXX in United States, two times Attempts of transfer with no success ( attached 2 online transfer requests of {$500000.00} which has been canceled ( No. XXXX on XXXX XX/XX/2023 & XXXX XXXX XXXX XX/XX/2023 ) this transfer after cancelation should be return back to my account automatically!!!! but what is happened is the bank locked my account and requested me to call the customer service and I can not access my online banking for one month, many times after XXXX XX/XX/2023 I tried to speak with them to solve the problem but with no success saying they could not verify me and they will send me XXXX mail for verification and after receiving this mail they can assist ( calls recorded ), I did not receive any mail during this time, so I called them again on XXXX XX/XX/2023 and they pushed my back from one to one and after giving them all the requested information I can login my online banking on XXXX XX/XX/2023, but it was big shock when I discovered my balance with a huge shortage amount, it is supposed to be as I left it last time XXXX, but the amount was only {$380000.00}, the shortage amount now is {$230000.00}. 

There were XXXX with drawer by XXXX XXXX which I never has any idea about!!! ( {$500.00}, {$900.00}, {$800.00}, {$800.00}, $ ) XXXX = {$3000.00}. 

There were XXXX drawer by XXXX XXXX, which I never has any idea about ( XXXX + XXXX XXXX XXXX ) = {$100000.00}. 

There were two Withdral by XXXX  ( XXXX + XXXX ) = {$1000.00} There was one Withdrawal by XXXX {$500.00} Costumer service transferred me with claims office and they sent me the last statements during the month which I never can access my online banking ( statements attached ) please treat this as priority because there is Fraud on my account and I am requesting urgent investigation.

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 2023-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
After reviewing my credit report i have noted some discrepancy Caine & Weiner INC Account Number XXXX XXXX  validation was requested and none was provided. I have not received any correspondence from them only harassing calls.This is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
I paid this account 7 years left and I still see this very negative report in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
One day I tried to transfer money to another saving account with another bank called XXXX XXXX because they were offering a higher APY. During this process, I also updated my address on the account because I recently moved and did not want them sending statements to my old address. I never had an issue with transferring my money with any other bank, and this is the first bank that locked my account. When I try to contact customer service, they keep transferring my calls and hanging up on me. They said they needed to verify my account by sending me a code but said I needed an alternate phone. I told them I only had one phone and one phone number and asked if I could use my husband 's phone, and they said no. I asked to speak to a supervisor, and they kept hanging up. It is very unfair I cant access my own money just because I wanted to transfer it and update my address. I gave them all my personal information, and they still will not unlock my account. It has been over two weeks with no access.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My grandmother died of XXXX in XX/XX/2020. I had put all my credit cards on autopay due to me being understandably preoccupied. 

And after that, I got an email saying I had a 31 day late payment on my account. 

I checked my account and I saw that I had in fact paid my XXXX  card on time. 

However, I noticed that my statement had 1 ) the wrong home address, as I had moved XXXX miles away 2 ) the wrong balance 3 ) and the wrong authorized payment I have repeatedly called XXXX about this issue, starting in XX/XX/2020. I have called and had in-person meetings about this every single month till today. During these calls and in-person meetings, I have been called racial slurs, and told that I'm a XXXX and a XXXX by a receptionist at XXXX ( I'm a XXXX  XXXX man, but that didn't seem to protect me from discrimination ). I've also been told to go back to my country, even though I was born and raised in America. I've had XXXX employees make fun of my name, and told " my dead grandma is irrelevant to XXXX 's policy on revising the information they send to credit bureaus ''. I filed multiple complaints within XXXX about the abuse I received ; none of these complaints ever led to any change in employee behavior. 

Since XXXX fraudulently claimed I was late on a payment, my credit score has plummeted. 

I called XXXX XXXX yet again today to ask for proof I missed this payment, and the person on the phone laughed at me, said " that's impossible because it was from 2020, '' and when I asked for her office 's mailing address, she hung up on me. 

XXXX has no proof I missed this payment, has repeatedly discriminated on me on the basis of race, national origin, gender identity, and sexual orientation, and has refused to do report accurate information to the credit agencies. XXXX XXXX  needs to be held responsible I have included the XXXX statement 's that have my incorrect address. I also included a receipt I got from an Illinois government affiliate, proving I lived in XXXX in 2020. And finally, I included the announcement of my grandmother 's funeral. It shows the funeral happening on XX/XX/2020, which is XX/XX/XXXX on the XXXX calendar. And I'm listed as a grandchild under the nickname she called me, 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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc
State: OH

Complaint narrative:
I applied for two jobs. One for XXXX and the other for XXXX. These companies ask for a background check and used the credit reporter Checkr. Checkr did the background reports and sent these companies my criminal record of over twenty years old. The FCRA law says that background reports must be up to date and not out of date information. There is a 7 years limit for criminal records in most states and is 10 years for bankruptcy. Telling these companies that they should consider these out of date criminal reports violated FCRA laws. Checkr further violated the FCRA laws when they also reported and told these companies to consider two pending criminal cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XX/XX/ my debit card was stolen by a family member. {$1000.00} was took off of my card at a chase atm machine at XXXX XXXX XXXX XXXX XXXX, OH XXXX. I filed a claim XXXX as soon as I noticed money and card was missing. I was suppose to receive a temporary credit while they did their investigation I never got that. They denied my claim I appealed it they reopened the claim denied it aint again reason was I failed to protect bank pin.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I received a certified court letter at my mom 's house informing me of court to get my check garnished..I called the lawyer group and she told me this was for a card or some kind of credit that I was sued for XX/XX/XXXX and had a judgement against me..I asked if that was legal per statue of limitations she said yes it was from XXXX and they had till XXXX to pursue me..Had they sent me a validation letter even to my mom house same way they sent court papers they would have found out I was a victim of identity fraud..I had the FBI show up at my house for checks and all kind of stuff I went to court and everything was dismissed ..I have no idea about what they are talking about and why or how I was sued and had a judgement and knew nothing of that either until I'm being sued and their wanting to garnish my checks..until literally the FBI showed up at my door ... it was cases everywhere ..checks, cards, they actually came to inform me because on camera the ladies didn't look like my driver 's license..they arrested I know from them one lady I didn't know either when they showed them to me ..The agent took care of everything except one store in a city I had never been in had a warrant out for me..the man went to court with me and everything..pull up the court papers where everything said is typed up..only then did they dismiss it..what ever this is they said it went to write off ... they should of found me and probably had it taken care of by insurance..instead of taken 20 years to bring some bs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Ally financial reported my auto loan 30 days late to all XXXX credit bureaus for the month of XX/XX/2023 this was in regards to a payment for XX/XX/2023 that I made 29 days late and they reported it as 30 days late inaccurately. I have reach out many times only to be given different information. I disputed this directly with ally on XX/XX/XXXX reference number is XXXX I was told this would be resolved in 45 days I called back a few weeks later for an update I was told they did determine an error and were aware and it would be removed and its still on my 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