vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I've had the accounts ( Ashley Home Store and Care Credit ) that Synchrony closed for several years. One of them was paid off last year and the other one a couple of years ago. They are both sitting at a XXXX balance. I received this letter regarding these 2 accounts and the fact that this company closed them. Every account I have had with them has always been in good standings. There was never any late payments nor over the credit limitations with these accounts. The letter I received incorrectly stated mentioning the 2 mortgages that I have on my accounts which I have had since XXXX and XXXX respectively. One of those mortgages is not even paid by me but regardless, both of them are 100 % paid on time and both of them are less than what the original amount of the loan amount meaning that they are close to being paid off. My mortgage situation has nothing to do with this company. As long as they are current and in good standings is all that is important. The other creditors on my credit file have been there since I opened these 2 accounts. There are no new creditors that have been added since I opened these accounts. And none of my open accounts are over their credit limits. Because this company closed these accounts, my credit score dropped over XXXX points.

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 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is reporting this CHARGED OFF account XXXX XXXX  as OPENED on my consumer report. To my understanding a charge off account is considered to be a closed ended account therefore there should be no indication that this charged off account should be reporting as opened. I've already put transunion on notice of this blatant error and transunion refuses to modify the account appropriately therefore they should have deleted the account. instead of fixing the account TransUnion only sends me stall letters to ignore my dispute.I 've never disputed this account based on validity. this account has been disputed based on the simple fact that transunion reports this charged off account as opened instead of closed.

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 2023-03-02 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: UT

Complaint narrative:
In Accordance with the fair credit reporting XXXX XXXX XXXX XXXX Collection account has violated my rights.

15 U.S.C 1681 section 602 A. States that i have right to my privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions

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 2023-03-02 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: EQUIFAX, INC.
State: UT

Complaint narrative:
In Accordance with the fair credit reporting XXXX XXXX XXXX XXXX Collection account has violated my rights.

15 U.S.C 1681 section 602 A. States that i have right to my privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Sent letter to collection agency Resurgent Capitol Services to remove the alleged debt of {$860.00} from my transunion credit report. Letter was sent on XXXX XXXX. According to the FDCPA, i have the rights to request validation of the alleged debt and competent evidence that bears my signature and shows I have some contractual obligation to pay this company. They presented no viable evidence bearing my signature showing the account is being reported accurately. As per FTC opinion letter from Attorney General, XXXX XXXX XXXX, a printout of a bill or document does not constitute verification i received two printout pages from them without any viable evidence this is mind Any printer can produce fraudulent documents. Violation of Fair Debt Collection Practices Act ( including but not limited to section 807-8 ) and Violation of Fair Credit Reporting Act ( including but not limited to section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Thanks,

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 2023-03-02 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: SC

Complaint narrative:
I have been making requests to further investigate the accounts referenced in the attached letter for the last 5 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced 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 2023-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase authorized a check in the amount of {$9900.00} to a person who I did not write the check to. I wrote the check to a company and the check was cashed by somone else with an account with XXXX XXXX XXXX. Chase acknowledges that the payee is different than who I wrote the check out to. However, they are not refunding the funds stating that they are waiting for XXXX XXXX XXXX to refund the funds to them first. Its been over 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have tried to correct this false information that is being reported as mine by this company twice on XX/XX/2023 twice on XX/XX/2023 one on XX/XX/2023. This company has failed multiple times to remove the incorrect addresses listed on my credit file. This company has failed me as a private consumer and continues to report false and damaging information on my credit file. I have sent letters to this company I have called this company and I have submitted several complaints about this company through this website and minimal action has been taken to protect me a a private consumer or to correct to false information on my credit report. If this company fails to address this issue again I believe I will have no other choice but to take legal action against them to protect myself.

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 2023-03-02 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: PA

Complaint narrative:
Most recent was XX/XX/23 but several times TransUnion is refusing to delete a complete fraudulent account even tho it was removed previously but when it went into collections it got re put on

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 2023-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
The mortgage servicer on my home loan, Select Portfolio Servicing ( SPS ) informed me the company issued a refund check for {$130.00} in XX/XX/XXXX for a refund of escrow overpayment. Since then we have spoken with CSRs and supervisors on more than 10 separate occasions and written multiple times notifying the company that we never received the check and to request a replacement. 

Each time we speak with representatives, we receive conflicting, inaccurate, and outright misleading answers, including : 1 ) The check was cashed XXXX XXXX XXXX 2 ) In response to my request to provide a copy of the cleared check for my review of the signature, SPS said they could not send me a copy of the check 3 ) After submitting a written request as a QWR, SpS responds every 30 days stating they require 30 more days to research the matter 4 ) In a phone conversation on XX/XX/XXXX a rep told me the check was being prepared for mailing that week and verified the mailing address 5 ) Today, a supervisor told me the Advocacy Unit is still researching the matter and she could not give an expected completion date. I told her I will file a complaint with the CFPB today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I'm seriously at a loss for words when it comes to the way citizens bank handles loyal customers. I've noticed a few months ago when my accounts have been hacked due to issues with my phone and digital wallets, that anytime l 've had to call to file a dispute or call to see what was going on with prior disputes-the way I've been treated and spoken to by customer service is not acceptable! In the past 2 weeks or so, I've filed 4 fraud disputes with citizens bank. 
There were 4 due to the fact that I didn't wait for each and every charge the was pending to post before filing just one dispute. 2 of them were filed on XX/XX/XXXX both totaling {$5000.00} which bacially drained my account in itself. One was filed on XX/XX/XXXX in the amount of {$850.00} and another was on XX/XX/XXXX in the amount of {$1200.00}. I was told by numerous customer service reps that a provisional credit would be applied to my account-due to the transactions being fraudulent and also draining my entire account. I waited several days which has now turned into weeks for the money to be put back into my account, which it hasn't. I received a letter in the mail a few days ago stating that due to me filing fraud disputes, citizens bank was gon na close my account? I'm not even sure how this is even ethical considering how citizens bank stands behind its Zero Liability Protection Policy. When I found out that the claims dept of citizens bank was denying my fraud claims, I was told by XXXX, who works for the office of the chairman and who answers XXXX complaints, that the reasoning they gave to deny my claims was because I gave a company a selfie pic and copy of my ID a long time ago to verify it was me-a company that had absolutely nothing to do with the charges I had filed these claims for! PLEASE explain to me how this makes any sense? So basically your closing an acct that's been open for years a denying claims and not refunding my $ for absolutely no reason?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have requested my credit report from TransUnion twice in the last month. 

While I received my credit report from the other two credit bureaus, I still don't have my TransUnion 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 2023-03-02 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: SC

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$460.00} ), AD XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX Balance : {$1100.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$560.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$630.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$820.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$620.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$330.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$430.00} ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$1100.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/XXXX I was charged {$99.00} for a membership that was not supposed to be charged to my card until having attended a class at the XXXX XXXX XXXX, however the card was still charged, furthermore upon the company attempting to recharge my card for {$99.00} the merchant had to be blocked and my card removed from a subscription charge that I had not actually initiated, upon blocking the merchant with my bank Chime, and providing emails exchanged with the business, they sided with the merchant whom has impractical policies in place, stating that the XXXX is the only personnel whom had authority to cancel the subscription, however the XXXX did not respond to a phone call or email until XX/XX/XXXX/23 and proceeded to act justified in the stolen funds obtained on XX/XX/XXXXXXXX2023. My bank found no fault in this, when again the business intentionally derailed my request to cancel the fraudualent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
I have never given permission to furnish the information to National Credit Adjuster. Investigated accounts that you didnt request to be investigated. The majority of the account information is inaccurate, the open dates and last active dates are never matching on any information originally. Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To whom in may concern, Thank you for taking the time to help me out with this matter. 

This case concerns Citibank/Citi.com 's unwillingness to assist me with a dispute they incorrectly filed and closed. 

I called Citi to get some help filing a dispute because their website was glitching. One of Citi 's representatives filed the case incorrectly, and no proof was submitted. I called multiple times in XXXX, and multiple agents repeatedly told me that a correction would be made and I would have a chance to submit supporting documents, and the dispute team would contact me. But to my surprise, the case was closed. 

After contacting them multiple times, again, and submitting all the proof, they re-opened the case. But today, on XX/XX/2023, Citi closed the case with incorrect info, saying I've received the full refund already when I clearly haven't. The image " Citi Denied '' should show how Citi 's statement about me receiving the full refund is incorrect ; it even shows that on the PDF.

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 2023-03-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
Placed a gift order with Swiss Colony.After order, other sites sent me catalogs with buy now, pay later with XXXX payments. I ordered holiday gifts, expecting monthly charges to be low as advertised. Once I placed orders, more credit was extended to me from different sites and advertised payments of XXXX a month. I could afford that. When I got the bills, the payments were as high as XXXX a month with 28 % interest. To my surprise, when I contacted one of the companies, I learned they were all the same company. Rather than 1 revolving account, they were billing for each separate order, charging 28 % interest on each order and payments added up to XXXX. A month. When I questioned them about the advertisement of low payments, they laughed at me and hung up. I had a XXXX and spent awhile in the hospital. When I recovered, I looked at my once good credit reports to learn this company placed 4 different charge offs to the orders all owed by the one company who is deceiving people about who they are and how they are violating users laws with their scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
XXXX XXXX 2022 Debt was a high interest loan higher than normal and I couldnt pay it down fast enough. So I tried getting a affordable payment plan, perhaps a few months to start because of a unemployment issue. Now the debt been sold and is on my credit report causing damage to my credibility and character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: SC

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX. XXXX, XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$4300.00}, Original Creditor XXXX XXXX, XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$350.00} ), XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$400.00} ), XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$400.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Please see previous complaint # XXXX. Capital One has either stolen or is fraudulent in a sum of {$1.00} for a transfer that was taken out of my account but never received on the opposite side of the transaction. They have only reached out once for my XXXX account numbers, that is it. XXXX from capital one called. I returned his call on XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX at XXXX. They have not contacted me any other time or in any other way. I gave XXXX this information and he said he would be in touch. Im exhausted from capital ones excuses. Why would I not want my money of {$1000.00} back. This issue is not resolved and will not be, until I get my money plus the interest that they would have charged me for this very lengthy time. XX/XX/XXXX!!!! please let me know how I can take further action on this matter and get my money without getting an attorney.

Company response to consumer: Closed with monetary relief