vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
About XX/XX/year> I had got charged {$980.00} in interest from my XXXX furniture credit card provided thru synchrony bank. About XX/XX/year> I received a letter from synchrony bank that they were lowering the amount of credit on my credit card. I responded via email that I was displeased with their decision and do not charge me fees for lowering my amount of credit. Then just recently I received a letter from synchrony bank that they were closing my XXXX credit card account. I have never been late or missed a payment on this account, but I noticed that this company has a history of closing consumers accounts that have a history of being in good standing, while not caring at all how it damages their credit report and rating. In addition, since they closed my account I can not even access my account to view my previous statements or pay my bill, which is very shady. They clearly have a track record of doing this to consumers and getting away with it over and over again, while leaving consumers credit even more damaged than it was before.

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 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My first statement came in and I sent it back certified mail to the conditional payments address with my signature on it. I received the Green Slip in the mail and My account was never XXXX out and I have not been able to access my credit since. Now I keep getting hit with fees and they keep saying I owe them when I have presented them with the security the first time and have yet to get access to my credit again. As my other statements are coming in I have sent 2 other statements registered mail to the indenture trustees on 2 different indenture agreements in hopes of getting my credit card back up so I can use my right to credit. I have not herd anything back from these people who I have sent registered Securities to when it says in the indenture agreement they are responsible for handling all securities.I just want a place to send my securities and I will know they are being processed correctly and It will reflect my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX. The people in charge of Truist Bank are monsters. 

XXXX. I have XXXX Truist credit cards, including XXXX ending in XXXX. 

XXXX. I timely scheduled my payment that was due in XXXX XXXX 

XXXX. My routinely kept notes reflect this. 

XXXX. Due to an apparent glitch with Truist, the payment did not go through and there is no record of the payment. 

XXXX. When I went back and to schedule a payment on XX/XX/2024, I noticed that XXXX months ' minimum payments were due and I made the payment for both months '. 

XXXX. A late fee of XXXX dollars posted on XXXX XXXX, 2024. 

XXXX. I called on XX/XX/2024, and requested the fee reversal, stating that I did in fact timely schedule the payment and that I was previously never late. 

XXXX. I spoke with XXXX, who said that because I had previously closed the account that my request would have to go to a supervisor. 

XXXX. After a lengthy hold time, supervisor XXXX in customer service went to see if he could get the fee waived for me. He said he could not because the account was closed. 

XXXX. Truist does not disclose to its customers that it actively discriminates against customers with closed accounts., including at the time when customers close the accounts. 

XXXX. Truist also discriminates against customers with closed accounts by refusing to allow payments to be made online after XXXX days. They clearly want to make things difficult for their customers and increase the likelihood of late fee revenue by forcing payments to be made through slow and inconvenient methods for no reasons other than Truist 's animosity and greed. 

XXXX. There is no reason for Truist to discriminate against customers with closed accounts by refusing to waive fees that they would otherwise waive for customers with open accounts, except Truist 's animosity and greed for fee revenue. 

XXXX. I made the right decision to close my Truist account and now want to close the other one as well.

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 2024-04-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America {$2900.00} - Date Opened - XX/XX/XXXX ) ( XXXX - Amount {$36000.00} Account Open XX/XX/XXXX ) XXXX XXXX XXXX - Account # XXXX - Date Opened XX/XX/XXXX Amount- {$70000.00} ) I XXXX XXXX am a victim of Identity Theft. I have experienced tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere. This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told " sorry '', we can not help you. I filed a police report this year on ( XX/XX/XXXX ) ( report XXXX XXXX ) with XXXX Police Department. I've also mailed in certified letters to XXXX. I received nothing. XXXX also sure my information was leaked due to the information breach with XXXX. I was instructed to go to XXXX. I was prompted to enter my last name and the last XXXX digits of my social security number, at that point I saw that my information was compromised due to XXXX security breach. The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. I've faxed all XXXX bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX Crossing # XXXX, XXXX, IN XXXX. He notice several instances where XXXX are in non-compliance with the FCRA. I'm a victim but yet I'm treated as if I'm nothing. The following accounts are : XXXX Bank of America {$2900.00} - Date Opened - XX/XX/XXXX ) ( XXXX - Amount {$36000.00} Account Open XX/XX/XXXX ) ( XXXX XXXX - Account # XXXX - Date Opened XX/XX/XXXX Amount- {$70000.00} )

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
Consumer complaint received 2024-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-04-19 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: EQUIFAX, 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV FUNDING/ RESURGENT CAPITAL SERVICES is a debt collector and Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors including the LVNV FUNDING/ RESURGENT CAPITAL SERVICES. Since LVNV FUNDING/ RESURGENT CAPITAL SERVICES oppressive actions deciding to infringe on my personal privacy, this has harmed my general reputation of credit worthiness by furnishing such alleged debt to the consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've been attempting to freeze the report for a XXXX 

I made submissions to all XXXX bureaus. XXXX and XXXX acknowledged and froze the XXXX. 

Equifax replied I didn't submit the required documents ( I did ) and rejected it. 
I submitted a second request ( again with all the required documents ) and they rejected it again. 

I called and they told me to submit it a third time and if it was rejected a third time, they could help me over the phone. I only have an image of the second letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: TX

Complaint narrative:
I'm writing to communicate my XXXX and present a protest to EXPERIAN with respect to the ill-advised utilization of my credit report and the revealing of incorrect data on my record. I recently sent a letter to your office mentioning an examination concerning specific mysterious records. 
Regardless of your affirmation of leading a legitimate examination, after checking on my credit report, I found that erroneous data endures. The disparities incorporate however are not restricted to, the date opened, date of last action, date revealed, account status, and installment history. It is dampening to take note of that such errors keep on being reflected in my credit report, notwithstanding the underlying solicitation for examination. I trust what is happening encroaches upon my privileges as framed in 15 U.S.C 1681 section 602 A, which underlines my right to protection.

Moreover, 15 U.S.C 1681 section 604 A Section 2 specifies that a shopper detailing organization can't outfit a record without my composed guidelines. I compassionately demand an exhaustive survey of my case and the brief revision of the errors in my credit report. Your participation in settling this matter is profoundly valued. That's what I believe, as a legitimate credit revealing office, EXPERIAN will do whatever it takes to correct this present circumstance and guarantee the exactness of the data in my credit record. I have attached the FTC report with the report number XXXX to support this complaint

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 2024-04-19 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Nelnet, Inc.
State: VA

Complaint narrative:
Original amount {$41000.00} - paid for XXXX XXXX XXXX XXXX XXXX loans with XXXX XXXX XXXX XXXX XXXX : Request for Review and Discharge of Private Student Loans under XXXX XXXX XXXX  I am writing to formally address an issue concerning my private student loan, originally with XXXX and now serviced XXXX. This correspondence aims to outline the basis for requesting a review and potential discharge of my loan, pursuant to my eligibility under the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) lawsuit and XXXX XXXX XXXX XXXX 

To provide context, I am a fully recognized class member of the aforementioned lawsuit, which identifies fraudulent practices by educational institutions listed in XXXX XXXX, including my attending the XXXX XXXX XXXX XXXX, XXXX XXXX The lawsuit asserts that these institutions engaged in deceitful tactics, compelling students into unsustainable debt levels, which includes the origination of private student loans. 

Originally, the loan amount was {$41000.00} at an institution now implicated in these legal findings. XXXX, the initial servicer and subject of separate legal scrutiny for allegedly defrauding borrowers, subsequently managed these loans. 

In 2017, under circumstances beyond my control and necessitated by the removal of XXXX unrelated co-signers, I was compelled to refinance these loans to your company. 

It has come to my attention that XXXX held loans similar to mine are eligible for a complete discharge for affected borrowers under the same lawsuit. Given that the refinancing was not a voluntary decision but a requisite adjustment prompted by XXXX 's policies, I believe my loans warrant a similar reconsideration for discharge. 

Therefore, I respectfully request that XXXX review my case and explore the possibility of discharging my student loans, in alignment with the ongoing legal precedents and settlements directly related to the XXXX lawsuit. I am keen on discussing this matter at your earliest convenience to find a feasible resolution. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I made a transaction to my husband using pay to person option through my XXXX account, my husband did not receive it, when we filed a service request with XXXX, they said money was received by some XXXX  account, they gave last XXXX digits of receiver 's account number, it is an unknown account doesn't belong to my husband, XXXX is not helping much to investigate who claimed the funds, whose bank account it is or recall my transaction. They are asking me to work with XXXX XXXX said they can not help on this as the trace number they provided is not targeted to my husband 's account, i called multiple times to both XXXX and XXXX not getting any help, i feel it is XXXX 's responsibility to investigate it further they are not taking any responsibility

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 2024-04-19 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: TX

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

XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: COLUMBIA BANKING SYSTEM, INC.
State: WA

Complaint narrative:
Umpqua bank will not give me access to my accounts and I've been to XXXXXXXX XXXX in XXXX XXXX XXXX XXXX ca XXXX XXXX was closed the day I went this has been going on for weeks and possibly a month

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 2024-04-19 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: Collection Management Holdings, LLC
State: OK

Complaint narrative:
This is a Notice that you have broken the law. 

CREDIT MANAGEMENT COMPANY Does not have a license to collect a debt in the state of Oklahoma which is the state that I reside in. Nor do you have licenses to collect debt in Texas in which XXXX XXXX XXXX XXXXesides. 

CREDIT MANAGEMENT COMPANY is reporting a collection account to XXXX, XXXX and XXXX. With a open date of XXXX XXXX and a balance of {$1300.00} Congress has made it clear that there is abundant evidence of the abusive, deceptive and unfair debt collection practices by debt collectors. SOME of the Violations committed by CREDIT MANAGEMENT COMPANY include the following : 15 U.S.C 1692b 15 U.S.C 1692c 15.U.S.C 1682d 15 U.S.C 1692e 15 U.S.C 1692f 15 U.S.C 1692e 18 U.S.C 1001 Additionally, This Is a notice of dispute.I am requesting VALIDATION, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I am requesting VALIDATION that is competent evidence being my signature showing that I have or ever had some contractual obligations to pay you. Provide the purchase agreement and all other documentary evidence. 

Please also be aware that any negative marks found on my credit reports or fraudulent security liens placed on my personal property ( including XXXX, XXXX, XXXX, and or Public Offices ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry and any fraudulent security Interest liens removed from my personal property. 

HJR192 Otherwise known as Public Law 73-10 states " All debts public and private are paid for. '' Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

The continuous of willful non compliance may result in information being shared to the following : XXXX XXXX XXXX XXXX XXXX XXXX FTC ( Fair Trade Commission ) .. For Fraud Attorney General But the failure to respond within 30 days will also have the same result.

Additionally, Failure to respond within 30 days may result in a small claims legal action at my local venue. In which Ill seek {$1000.00} for but not limited to the following violations : violations Defamation *Negligent Enablement of Identity Fraud *Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 0 *Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) *Copyright Infringement of Trade name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Ive just obtained a copy of my credit report, and found the following to be errors. 

XXXX ) XXXX XXXX XXXX Acct # XXXX I DO NOT have. Contract with this company. 

Under 15 US Code 1681 C-2, Block of Information, it states me as the CONSUMER deem any account inaccurate, that account needs to be BLOCKED and REMOVED within 4 days of dispute. Also, letters have been stated that this was verified and under 15 US Code 1681i, states to follow a set of procedures to dispute accuracy.

Please DELETE the prior collection as soon as possible.

Company response to consumer: Closed with explanation