vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My complaint is about synchrony bank. The current issue is for a loan from Synchrony for a XXXX recreational vehicle. The same exact thing happened when I had a loan through synchrony for a XXXX recreational vehicle, which paid of and was paid off far in advance of the loan term. 
For my current XXXX loan I always recieve my bill in the mail between the XXXX and XXXX of the month. The due date is the XXXX of the next month. I always write the check the same day I recieve the bill, and mail it out that evening, on my way to work the next morning, or during lunch, or on my way home from work. Today Synchrony called me at XXXX to collect a payment and late fees from me over the phone saying that they have not recieved my payment. This same exact scenario happened when I had the loan through Synchrony for the XXXX. I suspect that they purposely create this scenario in order to try to collect more fees. They purposely mail the bill out just in the nick of time to get to my house so that i have to make sure to write the check and mail it out the same or next day, hoping that it will be delayed in the postal service so that they can try to collect more fees. What supports my theory is that this day and age, they do NOT offer a way to pay the bill online like literally every other financial instiution in the United States of America. They offer to let you pay over the phone, for an extra fee of course. Even tiny little county banks and my single branch employees only credit union offer online access now days. If you view my credit history and exceptional score, you will see that since my first loan the age of XXXX, XXXX  years ago, I have only ever had one late payment due to a mail delay. And every single loan has been paid off far in advance even the only loan that had a late payment.

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 2023-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Dave Operating, LLC
State: TX

Complaint narrative:
I opened up a Dave account and I have requested advances and paid them back on time. On XX/XX/XXXX I received a call from Dave that stated someone is trying to get into my account and if its not me to enter the code it sends to my number. So I enter the code and someone hacks into my account. Then the fraudulent person requested an advance of XXXX XXXX I contacted Dave immediately as I seen this happen and the lady I spoke with told me some one got into my account and added a card to my account and transferred the XXXXXXXX XXXX to a card ending in XXXX. I DO NOT HAVE A CARD ENDING IN THAT NUMBER. The women then sent me a code to my cellphone so I can reset my password but that still didnt stop the fraudulent individual from having access to my account. So that same day they started an investigation and told me that the fraud team would reach me in 3 to 5 days. It has been a month and nobody from the fraud team has contacted me. So then on XX/XX/XXXX the individual that has access to my account manually repaid the advance using my XXXX account of {$130.00} that I have attached to Dave and as soon as they repaid it they requested a XXXX XXXX  advance. Come on now!!! Why would I do that!!? So I then immediately contacted Dave as soon as my money was stolen from me and nobody helped they just stated they would add what happened to the open investigation. So I then contacted my bank XXXX to dispute the charge of XXXX and during the dispute process, Dave contacted my bank to tell them the charge is legit, KNOWING that I have an open investigation with them, KNOWING that someone added XXXX fraudulent cards ending in XXXX and the other ending in XXXX. Its also funny how Dave sent all the info about the advance and amount of advance but they did not show my bank what card the money was transferred over to because they know I do not have any card with any of those last XXXX digits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have a Chase Marriott credit card. There was an interest free balance transfer promotion that I participated in earlier this year. I recently realized that Chase is charging me interest on new purchases as I have been using the card, even though I have been paying those new charges in full each month. A phone rep recently explained to me that the only way to avoid those interest charges is to not use the card. While I suspect this was disclosed somehow, someway, there should no question in anyone 's mind that Chase knows people will unwittingly start incurring interest charges on new purchases paid in full. The balance transfer ( for which the consumer pays a fee ) is nothing more than a way to charge interest at 20.99 % when there would otherwise be no interest paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Several amounts of monies are withdrawn/hacked from my Checking Account 4-6 times yearly with Wells Fargo Bank. I have called with some issues being resolved for small amounts of monies returned ... .but not large amounts. I feel this is robbery from the financial institution that I should be able to intrust my monies with.. this feels like a facility that won't allow a loan or even a financial advisor without a fee to their customers ... and allow thieves to still from their consumers. I feel my privacy has been beyond exposed ... at this point there is absolutely no way to know who all has my information through Wells Fargo Bank. 

Loyal Customer XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: NY

Complaint narrative:
the 3 credit reporting agencies must delete at once XXXX XXXX and XXXX XXXX XXXX lines for inaccurate credit reporting continuing to report accounts that they have discontinue to collection and has canceled with a 1099c the proof is in the 1099c box 6 Code G. Code GDecision or policy to discontinue collection. Code G is used to identify cancellation of debt as a result of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. For purposes of this identifiable event, a defined policy includes both a written policy and the creditor 's established business practice. to report a debt that has a balance and is in collections after they have canceled the debt is false reporting of an debt on they owed choice by filing the 1099c with a code G stops all collections and the stats that there is no more debt the proof is enclosed the 1099C box 6 is proof they canceled the debt and stop all collections

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 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: NY

Complaint narrative:
the 3 credit reporting agencies must delete at once XXXX XXXX and XXXX XXXX XXXX lines for inaccurate credit reporting continuing to report accounts that they have discontinue to collection and has canceled with a 1099c the proof is in the 1099c box 6 Code G. Code GDecision or policy to discontinue collection. Code G is used to identify cancellation of debt as a result of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. For purposes of this identifiable event, a defined policy includes both a written policy and the creditor 's established business practice. to report a debt that has a balance and is in collections after they have canceled the debt is false reporting of an debt on they owed choice by filing the 1099c with a code G stops all collections and the stats that there is no more debt the proof is enclosed the 1099C box 6 is proof they canceled the debt and stop all collections

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: NY

Complaint narrative:
My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Creditors customer service representative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX / XXXX XXXX : XXXX XXXX XXXX/ XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX / XXXX XXXX : XXXX XXXX XXXX : XXXX U.S. DEPARTMENT OF EDUCATION : XXXX U.S. DEPARTMENT OF EDUCATION : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A SECTION 2. States a consumer reporting agency can not furnish a
account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 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: RELIABLE FINANCIAL SERVICES, INC.
State: GA

Complaint narrative:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-09 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: OneMain Finance Corporation
State: GA

Complaint narrative:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: LEXISNEXIS
State: GA

Complaint narrative:
Incorrect information on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
My account is frozen with Affirm. Today i received emails stating my account isn't frozen and they lifted the freeze. then I received another email that it's frozen again. I asked the rep if there is a balance on the account, he claims he cant give me any information. claims he is escalating it to a higher authority. 

This escalation has been going on for the last 2 months. 
I believe they have fraudulent activity on my account. 
{$10000.00} of fraudulent and unauthorized activity. Plus they have charged me 3 payments of {$86.00} to the XXXX XXXX cruise line. 

I called XXXXXXXX  they have no such record of this. 

I do not owe them anything..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: PA

Complaint narrative:
Equifax didnt investigation into a XXXX that was on my credit report from XXXX XXXX Just tried mine used to be a closed account which I said it was not mine. There was no money owed on the account the account reflective XXXX. I challenged it to Equifax to get the XXXX removed. The investigation Equifax did simply labeled the account as a collection account with a XXXX balance.. the account cant be a collection account if theres no money owed. The information that they reported to the credit report, even after the investigation is still wrong and false information provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
My account was on hold XX/XX/, funds were unable to be accessed. I have tried multiple times to get my money that is in account. Branch and customer service said funds were being held and account is in process of being closed due to fraud. Direct deposit from my boyfriend was being deposited into my account for about 6 months, my bank was initially XXXX and transferred to US Bank, however XXXX did not inform me I couldnt get direct deposit in his name. So my account was closed ( XXXX XXXX  ), I have funds in my account that are being held. My account is closed and has been for 2 months. My funds should be returned back to me. I have tried customer service and going to branch in which they stated they have no information to get back to me at this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
i received my credit report on XXXX XXXX and notice there were hard inquiries that dont have permissible pourpse to be on there.these hard inquiries are hurting me for getting approved.i already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have no purpose to be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: FL

Complaint narrative:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: FL

Complaint narrative:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  ; Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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