vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
To whole this may concern, Ive been making several complaints & if im here on this website obviously I tried my best & reached the point of frustration From the lenders to the credit bureau Equifax is the only company that allow false information to remain on my credit report & I am not happy about it, its continuously holding me back & my approval odds So I would like for CFPB to take full action & look over these inaccurate inquiries that bring me here to you today I will gladly appreciate it if this matter is looked into & deleted expeditiously XXXX. ) XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX, XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I recently saw on my Amazon Synchrony Card Statement a charge for " Card Security ''. I did some investigating and saw this was being charged my account for over FIVE YEARS. Turns out this " service '' was somehow added to my account. Anywhere from $ XXXX {$80.00} charges on my card, every month, since XXXX XXXXI called customer support and spent over a month back and forth on it. I heard EVERYTHING on the script, I can recite it at this point. Got 2 escalations in the system, both were reject because they'd only offer me a 1 year refund, NOT the full 5+ year refund. I believe this is a scam and I never signed up for it. I never would sign up for something like this. 

Their system is tailored to prevent people from getting their money back for a predatory and bogus feature on a card. Also their " supervisors '' are impossible to get a hold of. I spent a month calling ( 20 times total ) and I heard " Unfortunately a supervisor is not available at this moment '' EVERY TIME. I then had to be more pushy cause this just wasn't getting resolved and suddenly a Supervisor was available. More scam tactics. 

I have 4 total synchrony accounts and ONLY my Amazon has this ridiculous feature. Again, I never signed up for this and I feel I've been scammed.

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 2022-11-22 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: NY

Complaint narrative:
I would like to be provided proof I consented to these inquirys via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act Section 611 and Section 611 ( a ) of the FCRA, I demand that these items be investigated and removed from my report.

I sent a previous letter to you disputing accounts as erroneous and mailed them certified mail, return receipt requested. I received notice in the mail that you received the dispute letter. It is now a different month and I have not received any proof from you that you conducted a proper investigation or any investigation at all.

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30-day time period.

You must delete all of the disputed accounts from my report. It has been more than 30 days. You must now delete the disputed and unverified inquiries. Failure to do so can result in a {$1000.00} fine per undeleted item. 

-- - XXXX XXXX XXXX, 2021 -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Actually the company didn't do anything wrong. There weren't appropriate prompts to select from. 

I received a letter in the mail from Capital One stating my linked external checking account information recently changed... I called them because I did not recall having a connected account to them. They said it was a XXXX XXXX account ending in XXXX. I do not have a XXXX account ending in that. I called XXXX. They confirmed I don't have an account ending in that. Called Capital One back and they said someone closed a connecting account, meaning they probably have my SSN and can do all sorts of connecting financial things. 

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a capital one credit card. One of the promotional benefits of the card is the capital one shopping portal. When purchases are made via this app, reward credits are given based on the merchants specific rewards amount on that day. My rewards have been a challenge to receive and some have had to be entered manually. The problem is now the rewards are posted ( plus some additional manually added ones that I have from an email that will not show up on the posted reward page ) but the numbers are not adding up to give me the correctly owed. I have called and emailed many times. I never get anywhere because they do not offer phone customer support and I spend hours on the phone trying to resolve with lower level employees who in the end can not help because they do not have access to see my rewards. I get non responsive emails apologizing that there is no phone support but do not address my problem. I am very frustrated at the inability to get any customer support. I am hoping you can help. I have very clear documentation to support my claim.

According to my calculations : I should have {$150.00} available in my shopping rewards ( the {$94.00} listed as credited in the shopping rewards column plus the manually added rewards from the email of {$13.00} ) plus the {$50.00} extra I was given. I do have {$93.00} pending as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: GA

Complaint narrative:
I made my monthly online payment on XX/XX/22 for {$370.00} and they reversed the charge stating the bank information was incorrect. A week later I received an email that my account was overdue. I called on XX/XX/22 and they manually ran the bank information XXXX in XXXX different systems and ended up charging my bank account XXXX ( {$370.00} each ) which was deducted on XX/XX/22. They are refusing to reverse the charge and said they can only send me a check which will take XXXX weeks to receive in the mail. This will cause overdraft fees for insufficient funds due to their negligence in charging me XXXX versus 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 2022-11-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
I applied for a loan modification. During the loan modification process the mortgage company would sporadically ask me for information I would submit it and they would ask me for more. Weeks would go by before they would ask me for another piece of information to complete the loan package. In other words I never got a loan package to complete at once it was piecemeal to me. I assume this happened to delay the process for the mortgage company to foreclose on me basically run out of time. I have a lot of equity in the home and I believe that the mortgage company has no intent on modifying my loan just to foreclose and take the equity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This is XXXX XXXX and I'm submitting this complaint by myself and there's no third party involved. This account that I'm stating below is in violation of 15 USC 1681s-2 and 15 USC 1681i for reporting innacurate informations on my credit report. I demand you to remove this fraudulent account immediately! 
XXXX XXXX XXXX XXXX {$1400.00} I have submitted an FTC report ( check attached file ).

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 2022-11-22 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This is in response to XXXX XXXX discontinuing service on their app. As a result of this occurance, I need full disclosure in writing the intent of doing hard pulls on credit and not reporting to credit bureaus payment history, etc. Please send the po box or registered agent information to receive from me written correspondence in any event XXXX XXXX, XXXX. XXXX Bank or assigns intend to make attempts to wage garnish or collect on a debt. I was sent a follow up email from this company stating that they would not be pursuing to do debt collection. So TransUnion at their earliest convenience, I demand that they remove this inquiry off of 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
Consumer complaint received 2022-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I was denied a mortgage from Suncoast Credit union and I believe I was discriminated against. The denial letter stated that I have excessive obligation to my income which is not true. I have paid everything on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
THIS COLLECTION AGENCY ISNT REGISTERED IN THE STATE OF NEW JERSEY, THEY HAVE ILLEGALLY OBTAINED MY INFORMATION AND CAUSE SERVE HARDSHIP, I WOULD LIKE THIS REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
O/A XXXX2022 I contacted USAA about closing some accounts and they closed XXXX that wasn't supposed to be closed which has a SSA pension DD to it. USAA confirmed that they made a mistake but refused to reopen it. I stated that due to them refusing to reopen the account that would have a negative effect on our quality of life due to that DD from SSA being kicked back to SSA with unavailability of those funds for XXXX to XXXX months due to their mistake, they are still refusing to reopen it.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: DISCOVER BANK
State: PA

Complaint narrative:
In XXXXXXXX XXXX XXXX, someone hit my credit report with 4 hard inquiries and was able to get approved for a credit card with a {$10000.00} limit with Discover Bank. I tried to resolve the issue with Discover. I was under the impression that we were going to close the account/card completely but they were under the impression that we were disputing a charge. After further investigation, I found that the account is still on my credit report ( its reported closed cause the individual never made a payment ). I reached back out to Discover and they are currently doing an investigation on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
On XX/XX/2022 - XX/XX/XXXX I made payments totaling almost {$8000.00} to my Comenity XXXX Visa Credit Card. Since then they have not reported to the credit bureaus and my balance on the credit card still shows it's around {$8000.00} which is effecting my credit. I am coming up on trying to buy a house in the new year and I gave them time to have this figured out. I understand maybe it takes 30 - 90 days ( all of my other credit cards report when the statement period closes ). I originally contacted Comenity in the beginning of XXXX saying it's been over 60 days and they haven't reported. I was told it would be done in 7-10 business days and then it would happen, it wasn't reflected. I then called back XXXX XXXX and that person stated because XXXX 's was bought out by Comenity they haven't been reporting due to the transition and it would reflect in 30 days. I messaged them in the system and they sent me a message saying they are not reporting to the credit bureau yet because of the transition - It has been nearly 4 months and this is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have XXXX account ( Health Spending Account # XXXX ) which operate by XXXX at XXXX WI for many years. On XX/XX/XXXX, I requested to transfer my XXXX account balance from this account to my current employer XXXX account which manages by XXXX. XXXXissued the balance transfer check ( Total amount is {$37000.00} ) to XXXX on XXXX XXXX XXXX But after weeks the money did not post to my XXXX account at XXXX. I contacted XXXX and XXXX both site customer services, I was told XXXX never received the check and the XXXX said check sent and been clear by XXXX XXXXXXXX XXXX on XX/XX/XXXX. I also been told XXXX XXXX XXXX is not the bank to operate XXXX accounts for XXXX. This money received at one of account at XXXX XXXXXXXX XXXX no one can tell who is the account holder. That check was been endorsed by an unauthorized without bank proper verification. But XXXX release the fund. After I contacted both site customer services multiple times. I was been asked to fill " Loss Affidavit '' to XXXX for further investigation. After I submitted that form for over XXXX month. I got a letter said denied my " Loss Affidavit '' form and ask to contact XXXX XXXX bank directory. I am not XXXX customer. I was told could not get help to investigate it at XXXX XXXXXXXX XXXX  I don't know how I can trace it and get my money back. I am filing this complain VsXXXX XXXX ( Subdivision of Webster Bank ). This bank is very irresponsible for my money transfer that causes this loss and created fault. I need XXXX to trace it with XXXX XXXXXXXX XXXX and get my money back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
XXXX XXXX added over 18 inquiries to my credit report and it is fraud. 
Are you familiar with 15 U.S.C. Sec. 1681i ( a )? It says if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct.

section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by consumer. 
Under FCRA 15 U.S Code 16811n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 

I did not initiate any of these inquiries furthermore if you feel like did please send me copies of my written signature giving consent to this matter please. If you can not provide documents with my signature these inquiries should be removed immediately. 

The items below should all, be removed from my consumer report under 15 US Code ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

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 2022-11-22 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 — Investigation took more than 30 days
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
I have sent this company multiple communications attempting to request validation of the alleged debt. The company has not once responded with anything that validates this alleged debt, yet they continue to report a debt on my credit report on a monthly basis. Please send me information that verifies this belongs to me and that it is 100 % accurate. I am not sure who this company is or why i owe them. I never had business with Credence or agreed to any transaction with them that makes me owe them money. If they bought debt from someone else, they need to reach out to who they bought it from for payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: MD

Complaint narrative:
I applied for XXXX funding and had a completed HAF application pending but Gregory Funding proceeded to foreclosure without waiting for DHCD to finish up the process. I contacted XXXX many times about this. XXXX told me it would work with XXXX ( the state agency rolling out XXXX ) but it never did so and elected to proceed to foreclosure sale where it bid-in the property. So, there was no third party purchaser. 

I believe XXXX violated XXXX law you are required to enforce and its duty of good faith under Maryland regulations. If they did this with me they probably are doing it with others and you are allowing them to do business in Maryland and elsewhere. That is wrong. 

Under Md. XXXX XXXX. XXXX XXXX has a good faith duty to pursue loss mitigation when possible. It was possible in my situation as my HAF application was completed and seemed to be approved by the underwriters. Under 12 U.S.C.A. 2605 ( k ) ( 1 ) ( C ) XXXX had a mandatory duty to avoid foreclosure but it also violated that mandatory duty and proceeded to foreclosure while my confirmed, completed XXXX application was being processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX has violated this law because this late payment is reporting on Experian and XXXX. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX has violated this law because this late payment reporting on Experian and XXXX is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX has violated this law because they furnished this EXPERIENCE to Experian and XXXX and I didnt give them permission to do so.

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 2022-11-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I was recently incarcerated for some activities that took place i had purchased an Xbox from XXXX thru citizen bank I couldnt pay the money because my console got stolen an I was incarcerated and I filed an identity theft case an now its not accepting me for any credit or replacing my Xbox that was stolen from me I talked to citizen an they said its nothing we can do I feel like they can give me an opportunity and show them that I can pay them Now an i want my console new version

Company response to consumer: Closed with explanation