vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-18 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
On my credit report, I had a hard inquiry from Barclays Bank DE as of XX/XX/2023. I contacted the bank by phone and sent a letter by fax on XX/XX/2023 to notify them that I had not applied for or opened any accounts/credit cards at their bank. I told them this was fraud and identity theft. They said an application for a credit card had been submitted but they would remove the application and mark it as fraud. I have not received a letter from them confirming this. They told me I would have to work with the credit bureaus to get the hard inquiry removed from my credit report. I told them that they had to fix this error due to it being fraud. To date, I still have not received a letter from them confirming that the application was removed and that they would provide an update to the credit bureaus.

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 2023-03-18 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I have an old credit card debt that is with a debt collector and I have been paying on it for the past year or so. I have missed a few payments. So I wrote to the company and asked for my balance in writing only through email or US mail. They still attempted to call me. And they did receive my letter because I received a response back stating they received it and asking me to contact the office. At this time I want no verbal communication with the company only email or US mail. I would like to get the account taken care of so I need the information which is my balance that's all. And they do not list the information on the website but will glady take a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Dear Consumer Finance Protection Bureau, I am writing to file a complaint against Synchrony Bank for unfairly lowering my credit limit from {$4000.00} to {$3200.00} without sufficient reason. I am requesting your assistance in investigating this matter and resolving it as soon as possible.

My complaint stems from my recent purchase of a sectional from Rooms to Go, which was financed through Synchrony Bank. At the time of purchase, I was not made aware that the financing was through an actual credit card. It was advertised as a store credit through rooms to go and not synchrony bank that was giving me financing. I thought this was like a arrangement where I pay the store back on monthly payments. So this was false advertising and misleading information provided. This immediately had a negative impact on my credit score because of the high usage. 

Recently, I received a letter from Synchrony Bank stating that they had lowered my credit limit based on a credit scoring system that predicted my creditworthiness. The letter further explained that their decision was due to a number of reasons, including not enough balance paid down over time on real estate secured loans, too many inquiries, balances on bankcards that are too high compared with credit limits, and too many accounts recently opened. 

However, these reasons are not a true reflection of my creditworthiness or my payment history with Synchrony Bank. I have always made payments on time with auto-pay, and I have never missed a payment. 

Therefore, I am requesting that Synchrony Bank raises my credit limit to {$10000.00} to correct the negative impact this has caused on my credit score. Additionally, based on the letter I received, Synchrony Bank ran my credit without my permission, and I request that this inquiry be removed immediately. Lastly my name is spelled XXXX XXXX not XXXX XXXX. This shows there lack of attention to detail too. 

I appreciate your attention to this matter, and I am hoping for a prompt resolution. 

Sincerely,

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 2023-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I opened a credit card with SunTrust bank at the time of that event. I set up the auto pay feature to make monthly payments on time withdrawn from my checking account. However, SunTrust was purchased by Truist bank at the time of the bank purchase transfer. I was never informed that the auto pay feature that I set up with SunTrust bank would stop instead, I made the assumption that they will continue to deduct monthly payments from my account as the previous bank whom they purchased on XX/XX/2023, I was hit for a late payment by Truist bank for not making the payment on time upon contacting Truist bank, they acknowledge the error, and they promise to correct the issue by deleting the late payment, which they never did I was forced to file complains and disputes with the credit agencies, and as usual, the credit agencies reaffirmed the late payment without taking the time to investigate properly. At this point I have no one to turn to as I am trying to purchase, a home which the mortgage company declined because the reduction of my credit score I am looking for help from this agency to correct the grave mistake that Truist bank has committed. When a bank is purchased by another bank my understanding is that the purchasing bank will continue the practice of the bank which was bought in this case SunTrust. This information was conveyed to me by a representative of Truist bank. To this date Truist bank continues to show the payment as late, even though I took extra steps to go into their portal and set up a new auto pay, which was cumbersome to say the least. I feel that their unethical practice caused me hardship, and the decline of my credit score, which caused me the denial of my mortgage to purchase a house

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 2023-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On ( XX/XX/XXXX ) 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 XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-18 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: AZ

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 2023-03-18 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: TX

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 2023-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been with Chase for over 20 years, and I have never experienced the arrogance and disrespect of such a bad as them. When I was in XXXX the country. My debit cards were stolen and were charged almost {$1000.00} from the ATM. They claimed the money was taking out with a correct pin number, but I have no idea how the criminals were able to pick the correct pin number and steal the money. But having said that, Chase refused to pay my money back, the transactions had happened on XX/XX/XXXX and XXXX of XXXX. These transactions were done XXXX after the other as much as seven or eight and I dont understand why Chase did not notify me of peculiar activity or at least send me an email asking if that was me in the transactions especially from a country like XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On ( XXXX/XXXX/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 XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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 XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
On XX/XX/2022, I sent affirm a dispute letter in regards to all of the loans I had open at the time. I had never been given proper notice of the loan contracts until I thoroughly read through the agreement/contract and saw significant errors and violations within those agreements. 

One particular section, the promise to pay, stood out the most. I explained to Affirm that the loans were already prepaid and them collecting on any payments further is fraudulent. The term finance charge defined by Congress in 15 USC 1605, clearly states that it is the sum of ALL charges. It also further states that within a consumer credit transaction, cash payments shouldn't be involved within a credit transaction. Yet, Affirm is collecting twice the amount of payments on every loan. 

I will attach the letter ( s ) I have sent to Affirm. They never replied back via mail but they did reply via email and all the customer representatives kept referring back to was the loan agreement. Their agreement does not supersede any federal law. Affirm willingly and knowingly chooses to violate and deceive consumers into thinking they owe something they really don't. 

I would like all of my money back from every single loan that I have ever paid for, I would like for all of the loans that Affirm decided to charge off be updated as paid in full, and for them to update any credit reporting agency they reflected these negative items on to be updated as well and removed from my report. Per the IRS, a charge is considered income and it is illegal to report that on a consumer report anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-18 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: Loqbox US Inc
State: TX

Complaint narrative:
Its been over 30 days and the creditor ( LOQBOX ) has not updated the information nor has provided proof or documentation in regards to a late payment. 
They have not supplied this information and they must delete the alleged late payment on my credit report. 
Under federal law they had 30 days to complete the investigation, and by failing to do so, the item must be deleted from the report as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-03-18 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: IL

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 2023-03-18 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: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
Not converting trial my modifications into permanent loans Most loan modifications begin with a three-month trial period. As long as I makd timely payments during that trial period, the loan modification is supposed to be converted into a permanent loan modification. Servicer failed to convert my trial periods into permanent modifications.Billed me out side the XXXX the entire modification process, although I was given a trial payment which I fulfilled the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
HELLO MY NAME IS XXXX XXXX XXXX XXXX, MY CHECKING ACCOUNT HAS BEEN RESTRICTED, FOR MORE THAN 6 MONTHS, DUE TO SOME CHECKS THAT I DEPOSITED IN MY ACCOUNT, THEY REQUESTED A NOTARIZED DOCUMENT FROM THE PERSON WHO MADE THE CHECKS AND THAT INFORMATION WAS ALREADY DELIVERED TO THE BANK 2 MONTHS AGO AND THEY DID NOT GIVE ME THE FUNDS, THEY ONLY TELL ME THAT THE BACK OFFICE MADE THE DECISION TO CLOSE MY ACCOUNTS, BUT THEY DID NOT GIVE ME MY MONEY WHAT IS HAPPENING.

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