vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I received a letter from Synchrony Bank telling me my account had been closed. No prior notification to tell me they were going to do this. In the letter, the reason for closure that was included reads as follows : " Activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay ''. I have had this credit card for years. Not once have I been late. I don't carry a balance on this card. Any transaction I make ( very rare ) using this card gets paid before the due date. My credit score is over XXXX. My income is over $ XXXX. There is absolutely no activity in my account that can be used to support the reason provided by Synchrony for closure. I am a US Citizen with XXXX heritage and I wonder if my heritage was part of the reason why they decided to close my account. This card is owned by Synchrony in association with Sam 's Club. I want to get to the bottom of this decision. Synchrony decision to close my account based on the written provided reason in their closed letter to me ( excellent long standing customer ) do not appear to be in line with the consumer protection regulations.

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Your failure to indicate that the account in question was disputed within the required 30-day period violates 15 U.S. Code 1692e ( 8 ) - False or misleading representations. This oversight constitutes a breach of the provision.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

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

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 a account without my written inructions 15 U.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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

These are the inquiries which should be off from report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
I opened a Truist business account on XX/XX/year> with the promotional code XXXX which stated a {$400.00} bonus would be posted once the specified requirements were met ( {$1500.00} in deposits in 30 days of opening account ). 


After opening the account and completing the requirements on XX/XX/year> within the specified time frame, the bonus didn't post. 

I called to inquire and the reasoning they gave was that when I opened the account with the promotional code, I " didn't accept the terms and conditions of the bonus ''. This is a lie as I accepted all terms and conditions that were presented to me when opening the account. They stated I had to accept the terms and couldn't just " enter the promo code '' when signing up for the 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 monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
about XXXX weeks ago I called repeatedly to request to modify my information, my name, address, phone number and work information is totally incorrect, they claim that it can not be modified because someone reported them, the reality is that I only have one address, one name, phone number and employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
about XXXX weeks ago I called repeatedly to request to modify my information, my name, address, phone number and work information is totally incorrect, they claim that it can not be modified because someone reported them, the reality is that I only have one address, one name, phone number and employment.

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 2024-07-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: UMB FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XX/XX/year> contact XXXX XXXX XXXX talked with XXXX gave me XXXX amounts XXXX and XXXX made payment on XX/XX/year> via UMB Bank same people as loan. 
Statement date XX/XX/year> states past due amount XXXX with assessed XX/XX/year> XXXX late charge says my current balance is XXXX on XXXX loan amount I called to get up to date and they have made more charges so I'm not with out reporting to me either way. My checking account is also with them, and they missed sending me my ATM card in time and now is expired and have no access to my account except going to the actual branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Employer - XXXX XXXX Employer - XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, IL, XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXXXXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting 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: MA

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

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 a account without my written instructions 15 U.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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2024-07-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc.
State: NE

Complaint narrative:
CFPB Date : XX/XX/year> Re : False Claims by Rushmore Services- Release of Lien Violations Dear Sir/Madam, I am writing to report a potential fraud and false claims by Rushmore Servicing XXXX Despite not being the rightful owner of a judgment, Rushmore Servicing is claiming to have a judgment and attempting to collect on it. 

This appears to be a violation of the XXXX Consumer Protection Act ( Neb. Rev. Stat. 59-1601 et seq. ) and potentially the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ). Additionally, Rushmore Servicing actions may violate the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). 

XXXX8 U.S.C. 1345 ( Fraudulent schemes ) : This statute makes it a crime to engage in fraudulent schemes, including schemes to defraud or obtain money or property by means of false pretenses, representations, or promises. In the context of the situation, Rushmore Servicing has violated this statute by : - Making false representations about the existence of a judgment in their name - Using false pretenses to collect debt or obtain money or property - Engaging in a scheme to defraud the consumer Enclosed are supporting documents, including : - A copy of the judgment obtained by Rushmore Loan Management Services LLC - Evidence of the distinct identities and addresses of Rushmore Loan Management Services LLC and Rushmore Servicing ; - Proof of Rushmore Servicing false claims. 

An examination of the judgment reveals that it is not in the name of Rushmore XXXX, as they falsely claim. Moreover, the judgment conspicuously omits any reference to the statute of limitations, instead relying on a tenuous opinion. It is clear that the plaintiff perpetrated fraud, and the judge failed to apply the law. This case should have been dismissed with prejudice, but I note these facts solely to emphasize the seriousness of the errors that have been committed. 

The key question to ask is : Does Rushmore Servicing have a judgment in their name? If the answer is no, then it is clear that Rushmore Servicing has lied and are in violation of the aforementioned statutes. Through the evidence I have submitted, I have demonstrated that Rushmore Servicing has made false statements and perpetrated fraud. 

I request that your offices investigate and take appropriate action. 

Sincerely, XXXX XXXX CC : XXXX Department of Justice FTC CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting 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: NY

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

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 a account without my written inructions 15 U.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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

These are the inquiries which should be off from 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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

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

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 a account without my written inructions 15 U.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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

These are the inquiries which should be off from 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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am not liable for this debt with XXXX XXXX, they did not provide me with the original contract as I requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
We purchased products at XXXX XXXX XXXX and were offered to apply for a credit card. We did so and were approved within minutes. As soon as we got home, we set up automatic payments on the website to be worry-free. Our first surprise came when our initial automatic payment was rejected, and Synchrony Bank charged us a late fee of {$30.00}. We called customer service, who were able to remove the fee and apologized, explaining that the website was being updated, which caused the rejected payment. They suggested we remove and reset the automatic payment. 

This occurred in XX/XX/year>, and I have attached a screenshot of our bank account showing we had sufficient funds to cover the {$100.00} payment. XXXX passed without any issues. However, on XX/XX/XXXX, they claimed again that my bank rejected the payment, which is untrue, and charged me another late fee of {$41.00}. This time, they said they couldn't remove it because they can only remove one late fee every 12 months. This is unfair as the issue was not due to insufficient funds but because their system malfunctioned. 

Synchrony Bank 's negligence with their system means customers like us have to bear the consequences. Please see all attached documents, including a letter from the bank and screenshots from our account proving there were always enough funds to cover the {$100.00} payment. I request a refund for the unjust late fee.

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 2024-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd
State: WY

Complaint narrative:
Account was completely blocked for a " sanctions review ''. All outgoing transfers on hold, no incoming deposits arriving. Customer support just says " be patient while we review your case, this can take XXXX business days ''. 

Account was blocked out of nowhere with no prior communications. We're a XXXX business doing business in the XXXX - weird that suddenly we are on a " sanctions review '' because of XXXX...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This letter is in response to your recent claim that the credit bureaus has verified that the accounts they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account ( XXXX ). I am formally requesting a copy of any binding contractual obligations to pay them the exact amount claimed. Any automated response E-Oscar verification is unacceptable. I am requesting a re-investigation and your Method of Verification. 
According to 15 USC 1692c ( c ) if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consume, the debt collector shall not communicate further with the consumer with respect to such debt.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice & confirmation of errors. A person shall not furnish information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
XXXX. XXXX XXXX {$31000.00} XXXX. XXXXXXXX XXXX  {$15000.00} XXXX. XXXXXXXX XXXX {$11000.00} XXXX. XXXX XXXX {$20000.00} XXXX. XXXX XXXX {$20000.00} XXXX. XXXX XXXX {$0.00}

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