vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-28 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
MY CHECKING ACCOUNT WAS COMPROMISED BACK SOMETIME IN XXXX OF XXXX. AS A RESULT, XXXX XXXX XXXXXXXX CLOSED MY ACCOUNT AND RETURNED ALL PAYMENTS MADE AGAINST THE COMPROMISED ACCOUNT. I THEN HAD TO REOPEN A NEW ACCOUNT. MEANWHILE, A PAYMENT WAS MADE AGAINST THE SYNCHRONY BANK LL FLOORING. THE PAYMENT WAS MADE AGAINST THE WRONG ACCOUNT AND AS A RESULT, WAS ONE OF THEM RETURNED BY XXXX XXXX XXXX. AS A RESULT. WITHOUT WARNING SYNCHRONY CLOSED MY ACCOUNT WHICH HAS IMPACTED MY CREDIT BUREA REPORTS. I HAVE MADE SEVERAL ATTEMPTS TO EXPLAIN THIS TO SYNCHONY LL FLOORING TO NO AVAIL. MY ACCOUNT HAS ALWAYS BEEN IN GREAT STANDING PRIOR TO THIS INCIDENT AND FIND THIS VERY UNFAIR PRACTICE. SYNCHONLY THEN STATED IT WAS A RESULT OF A CREDIT PULL AND WOULD BE EXPLAINED IN A LETTER ADDRESSING THIS SITUATION. NEEDLESS THE LETTER I RECEIVED MENTIONED NOTHING OF A CREDIT PULL. THE LETTER WAS TO INFORM ME OF THE MISHAP AND TO INFORM ME TO CONTACT MY BANK TO CORRECT IT. I HAVE SINCE PAID OFF MY ACCOUNT WITH THIS CREDITOR.

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 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I spoke with a supervisor from this company that informed me a notice was sent out by email on XX/XX/XXXX that there was a debt owed to there company on XX/XX/XXXX per my credit report this company put a collections account on my credit report without giving me 30 days notice when I called the company they proceeded to inform me that an email notice was sent out not a letter by mail and that could forward me the email sent. My original debt was not with this company I have no knowledge of this company or this debt it has not been verified that I owe a debt to company and I was not given proper notice before placing a negative collections on my credit report. Per Fair Debt Collection Practices Act Any debt collector who contacts you claiming you owe on a debt is required by law to tell you certain information about the debt. That information includes : The name of the creditor The amount owed That you can dispute the debt That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. If the debt collector doesnt provide the above information in the initial contact with you, the debt collector is required to send you a written notice including that information within five days of the initial contact. None of these actions were taken and my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: DISCOVER BANK
State: TX

Complaint narrative:
Company closed acct innactive card. Send mew card to XXXX XXXX XXXX XXXX XXXX Alabama XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I was approved for 13 monthly future payments by the Homeowner Assistance fund starting XX/XX/XXXX. These payments are posted throughout the month at different times. On XX/XX/XXXX I sent a secure message to Shellpoint Mortgage because the payment for XXXX had not posted despite the HAF program stating they were sent. I received email confirmation the message was received but have yet to get a response. I received a letter dated XX/XX/XXXX that the payment was late and my credit may be impacted despite being told by Shellpoint loss mitigation that my account is notated that I receive HAF funds and any late payments would be waived. I called Shellpoint on XX/XX/XXXX, and was advised the XXXX payment was notated on my account as being received on XX/XX/XXXX but has not been posted and a email would be sent to the department that handles posting payments and to call back on XX/XX/XXXX. I called back on XX/XX/XXXX, there was no updates as to why these funds have not posted. I was transferred to a Representative in loss mitigation who also showed the funds were received by Shellpoint in batch form on XX/XX/XXXX and noted to my individual account as being received on XX/XX/XXXX. She stated she would also send an email to that department and call back on XX/XX/XXXX. It is now XX/XX/XXXX, I was never contacted by Shellpoint from my email sent on XX/XX/XXXX. No representatives have notated my account regarding any feedback from this department, I have not received a response from this department and calling doesnt seem to assist with finding out why these funds havent posted. I am worried because of the letter I received that this will adversely impact my credit even though these funds were received and for whatever reason Shellpoint hasnt posted them to my account. I have also not received any response as to what exactly is going on and why the funds have not posted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I banked here previously and believe that I was overcharged for overdraft fees.

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 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im sending a letter of complaint to experian, and demanding that the information on my report be removed or i will file for arbitration im sending this melter of complaint first as an attempt to resolve this through the Consumer Financial Protection Bureau, this letter is a complaint filed to demand experian to remove these XXXX accounts off my credit report or i will sue experian in violation of my rights under the fair credit reporting act, this letter describes in detail my complaint this is a legal document I am filing with experian in an attempt to fix this matter, or will send a my demand for arbitration if not resolved, I have filed this notice to experian in response to the identity theft that has occurred do not ignore this complaint or i will seek legal action against experian

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 2023-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

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. 

Account name : # XXXX XXXX XXXX, XXXX XXXX XXXX {$150.00} 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 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 information is inaccurate.

Chapters View all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: PA

Complaint narrative:
This is not a duplicate complaint. I would like this matter to be escalated. There is a discrepancy with the dates of services I was billed for. Discover refuses to address the fact that I was billed {$1000.00} for a " 6-month course '' with XXXX XXXX XXXX on XX/XX/2022. XX/XX/2022 was not the actual date that " services '' began. Even so, 6 months from XX/XX/2022, is XX/XX/2022 ; not XX/XX/2022. 6 months from the XX/XX/2022, date that I received documentation of a progress goal is XX/XX/2022. Again, XXXX XXXX did not provide 6 months of services and failed to explain the discrepancy. According to XXXX, the services ended on XX/XX/2022, which is not 6 months from XX/XX/2022. Discover failed to respond to this particular concern. Although I continue to be dissatisfied with the services that XXXX XXXX provided, I did not receive 6 months of services, which continues to be my main complaint. Again, I am disputing the duration of services as XX/XX/2022, to XX/XX/2022, is not 6 months ' time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This account should need to consider and late payments should be remove right away, because I am totally affected by the Covid when this happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK 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 explanation
Consumer complaint received 2023-02-28 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: PA

Complaint narrative:
I recently received a copy of my credit report and I discovered many fraudulent accounts reporting false information on my credit report. My personal information was exposed in recent breaches and made my identity vulnerable. This fraudulent information on my report was a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
This bank ( Synchrony ) first decreased my credit line limit for no reason despite making payment on time and never missing any payment, and reported to the credit bureaus which significantly lower my credit score. After a few months, they closed my account without further notice and reported to credit bureaus which also lower my credit score. A week ago, they reported false information about my account including outstanding balance and delinquency. The balance on my account was paid in full before they closed it. This bank really hurt my credit report so badly and with the last falls information reported, my credit report went down by more than 150 points. Its unfair for me to try so hard on building a credit score to be in a better financial situation and this bank ruin the work Ive been doing for so long.

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 2023-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
I have emailed Milestone asking for help but they provide no method for hard of hearing customers. The only way I can contact them is through email. 
I have faced a hardship and have asked them to reduce my monthly payments and I have heard nothing back. 
Today they threatened me with a charge off in an email demanding {$360.00}. Still without any financial assistance offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I spoke with a supervisor from this company that informed me a notice was sent out by email on XX/XX/XXXX that there was a debt owed to there company on XX/XX/XXXX per my credit report this company put a collections account on my credit report without giving me 30 days notice when I called the company they proceeded to inform me that an email notice was sent out not a letter by mail and that could forward me the email sent. My original debt was not with this company I have no knowledge of this company or this debt it has not been verified that I owe a debt to company and I was not given proper notice before placing a negative collections on my credit report. Per Fair Debt Collection Practices Act Any debt collector who contacts you claiming you owe on a debt is required by law to tell you certain information about the debt. That information includes : The name of the creditor The amount owed That you can dispute the debt That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. If the debt collector doesnt provide the above information in the initial contact with you, the debt collector is required to send you a written notice including that information within five days of the initial contact. None of these actions were taken and my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I continue to receive countless letters, phone calls, and inquiries on my credit report from Portfolio Recovery Associates , LLC, despite the fact that this debt was not only false to begin with, but Portfolio Recovery Associates , LLC continues to send letters and conduct unauthorized inquiries on my credit report, as recent at XX/XX/2023 even though the alleged false debt is outside of the statute of limitations and is considered to be time-barred. I have sent a certified letter demanding they immediately stop contacting me in any way, as well as demanding they stop the inquiries on my credit reports, as this is unauthorized and illegal, according to the Federal Trade Commission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28 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: TX

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

XXXX XXXXXXXX  : # XXXXXXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX : # XXXXXXXX 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 604A 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, other than records of conviction 's 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account Discover Card has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I received an email yesterday XXXX  Saying that i have a new hard inquiry on my credit report from comenity capital bank a loan i never requested It. And i need that removed from my credit report please asap cause its affecting me with my home purchasing loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28 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: EQUIFAX, INC.
State: CO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BCA Financial Services, Inc.
State: NJ

Complaint narrative:
I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all these discrepancies. Please remove these inaccurate information as you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently received a copy of my credit report and I discovered many fraudulent accounts reporting false information on my credit report. My personal information was exposed in recent breaches and made my identity vulnerable. This fraudulent information on my report was a result of identity theft.

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