vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On XX/XX/XXXX, I opened my very first TJ Maxx account online. On XX/XX/XXXX, my card was shipped to me, and on XX/XX/XXXX, I noticed a {$140.00} charge on my account from a XXXX in California ( I live in South Carolina ). I was surprised considering I hadn't even received my card in the mail yet. I immediately contacted TJ Maxx customer service and they moved forward with a purchase dispute and said it could take up to 90 days to be resolved. I called their customer service team a month later, XX/XX/XXXX, because the charge was still on there and I wanted an update. The customer service rep indicated that it was still under review. On XXXX, the charge was still on the account, so I called customer service again. This time, they told me that I should have moved forward with a fraud claim instead, so they marked my card as lost/stolen, and closed that account. They told me that it would be another 60 days before that transaction was resolved. On XXXX, I received an email from TJ Maxx that they submitted a request to the major credit bureaus to delete any delinquency that occurred from XX/XX/XXXX - XX/XX/XXXX. On XX/XX/XXXX, I contacted TJ Maxx AGAIN for a status update who then transferred me to the Synchrony bank ( card holder ) fraud department. They stated that I had never opened up a fraud claim on my account in the past. At this point I'm beyond frustrated because I had never been told to contact them in all my prior dealings with their customer service. Finally, on XX/XX/XXXX, I received an email from them stating that I should not be rendered credit because a valid sale was made with my temporary shopping pass. I can not stress this enough that this purchase was fraudulent and not made by me. I ended up writing a letter to the CEO of TJ Maxx on XX/XX/XXXX and mailed a copy of that letter to their HQ in XXXX XXXX I have heard nothing back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/ I got notified via email and XXXX XXXX that I just got approved for a credit card with Capital One for a limit of {$1000.00}. I dont have a credit card nor did I apply for one. A representative confirmed that my social, name, phone number and address matched what they had via the application however, the email did not match. I told them that it was not me and they said they had to investigate the situation. I also informed XXXX XXXX of the issue and filed a dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
My mortgage was transferred from XXXX to Carrington in the middle of a loan modification that would take my payments from {$860.00} to {$740.00} and extend my loan payoff date to 40 years instead of 30 years. XXXX negligently did not complete the process before selling off my mortgage and Carrington negligently has refused to respond to my emails asking for a letter verifying they were working on my loan modification. Carrington has only sent me letters of intent to foreclose and when I call them and ask them why they tell me not to worry and that they are still working on the loan modification, but still refuse to give me that reassurance in writing. 

So at the end of the day, all I have are letters stating I'm about to be foreclosed on. 
Nobody knows where in the process my loan modification is. 
Everybody keeps says 'if I did what I was supposed to do on my end, everything will be ok '. They refuse to acknowledge that they are modifying my loan in writing. 

If I have to file for bankruptcy to stop a foreclosure I will take Carrington to court for pain and sufferings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I applied and received a loan to payoff my credit cards. As of XX/XX/XXXX OneMain Financial began charging me interest on the loan they originated and stated they would pay my credit cards directly. Its been 3 weeks and my credit card companies have not received any payoff. OneMain Financial is charging me interest on a loan that they have not funded. I have made over 25 phone calls to this company and have not received any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: CO

Complaint narrative:
I filed bankruptcy in 2019. Prior to filing, I completed a loan modification with Loancare that was signed and accepted by them. It has been filed with the county records as well. Since 2019, Loancare has locked me out of my online account and my statements show I have {$14000.00} included in my bankruptcy which is their reasoning for locking me out of my account. The dollars they are referring to were added bank into my loan through the modification and is part of the county record. Loancare has not reported a single mortgage payment I've made since 2019 to the credit bureaus. I have emailed ( the only option Loancare offers me ) the bankruptcy department a request to correct this many times over the past two years with ZERO response. I included the recorded modification and emails between Loancare 's attorney and my bankruptcy attorney agreeing that the modification was in effect prior to my filing bankruptcy. As a result. Loancare did not ask the bankruptcy court to include a single cent in my bankruptcy. I also provided the bankruptcy court docs with my emails to Loancare. STILL NO RESPONSE! I'm only able to speak to representatives who tell me to send another email to the same bankruptcy department. This has been YEARS without a response and without a correction made. Since I'm locked out of my account online, I have to try for days and sometimes weeks to get through to make a payment as I'm only allowed to speak to the bankruptcy department. I need help!

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 2023-10-02 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I recently had a XXXX XXXX XXXX through Synchrony Bank. I refinanced my home and used the money to pay off my account. Synchrony would not give me an accurate amount that I owed for closing the account, so I sent more than needed. I have been attempting to get a credit refund from Synchrony for several months now. I made my payment in XXXX, and have requested my refund every 10 days since XX/XX/XXXX. Every time I call them, they tell me the account is flagged and they " will remove the flag and get you your refund ''. This has happened four times now. I feel that if I took three months to pay them, they would charge me a late fee or send my to collections. Now that they owe me, it is nothing but excuses. I let them know that I am a XXXX veteran and need the money for my medical bills, this may have made things more difficult as I do not know Synchrony 's stance on veterans. 

I have attached a " statement '' that is available on my account. It doesn't have any information on it, another example of Synchrony keeping me in the dark.

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 2023-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: TX

Complaint narrative:
This company has contacted me numerous times saying I owe them money last time I was contacted was XX/XX/23. I have asked them for the contract that was signed with my wet ink signature and the billing statement and they have failed to present this information to me. I have told them to stop contacting me via mail if they could not send the request contract with my wet ink signature. I have disputed this information numerous times and even gave them the chance to provide me with the debt validation and I still haven't received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc.
State: MI

Complaint narrative:
I got so many hot inquires most of those I do not recognize those

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: IN

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Disputed 3 times to inform them they are in violation of Hero 's Act. 
Report number- XXXX XXXX XXXX XXXX Report number- XXXX XXXX XXXX XXXX Report number- XXXX XXXX XXXX XXXX For late payment dates : XXXX XXXX XXXX XXXX XXXX 


In violation of The Heroes Act ( Section XXXX ) which states : The COVID-19 pandemic has caused extensive and growing impacts not only on the public health and well-being of millions of Americans, but also significant economic harm as well. 
Through no fault of their own, millions of Americans are unable to make payments on credit cards, car loans, or even their mortgage or rent. 
Under CARES, consumers have to rely on the willingness of creditors and servicers to agree to forbearance or other payment arrangements in order to be protected by the new law. 
The Heroes Act replaces the CARES Act provision with much stronger consumer protections. The Heroes Act ( Section XXXX ) helps consumers in several ways Suspends negative consumer credit reporting during the COVID-19 pandemic plus an additional 120 days. 
Prevents credit scores from being ruined by preventing adverse information being added to consumer credit reports and prohibiting credit score furnishers from creating and/or implementing new credit scoring models that would lower existing consumer credit scores during the COVID-19 pandemic.

Bans COVID-19 medical debt reporting, in particular any debts relating to COVID-19 medical procedures or treatments. Consumers impacted by the staggering costs of medical care should not face diminished credit options due to getting sick in a global pandemic. 
XXXX XXXX XXXX The Heroes Act ensures that these innocent consumers are held harmless and do not suffer further damage by having late or missed payments ruin their consumer credit report and reduce their credit score, which in turn limits their ability to get affordable credit or even a job.

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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Technology, Inc.
State: CA

Complaint narrative:
Hard Inquiries on my report Dated : On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Technology Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not Allow or Acknowledge these Hard Inquiries on My Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: CA

Complaint narrative:
Hard Inquiries on my report Dated : On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credco XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not Allow or Acknowledge these Hard Inquiries on My Credit Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My student loan was forgiven in XXXX. XXXX report incorrect amount as forgiven, and stated they would send a correction letter. they never did that, but now account shows online as XXXX balance. No history is allowed to be accessed. XXXX promised to contact the credit reporting agencies to have the errors removed and report the XXXX balance as of XXXX, but there's no evidence they ever did, despite weekly phone calls and promised from them to do so.

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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My student loan was forgiven in XXXX. XXXX report incorrect amount as forgiven, and stated they would send a correction letter. they never did that, but now account shows online as XXXX balance. No history is allowed to be accessed. XXXX promised to contact the credit reporting agencies to have the errors removed and report the XXXX balance as of XXXX, but there's no evidence they ever did, despite weekly phone calls and promised from them to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My student loan was forgiven in XXXX. XXXX report incorrect amount as forgiven, and stated they would send a correction letter. they never did that, but now account shows online as XXXX balance. No history is allowed to be accessed. XXXX promised to contact the credit reporting agencies to have the errors removed and report the XXXX balance as of XXXX, but there's no evidence they ever did, despite weekly phone calls and promised from them to do so.

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 2023-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
Commencing on or around XX/XX/, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX  ( the Fraudsters ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO

Complaint narrative:
Citizens Access froze my account and placed it under review. I attempted to inquire about the expected timeframe for this review, but neither the customer representative nor the supervisor could provide me with any information. 

Date : XXXX XX/XX/XXXX  Action : Tried to transfer out {$25000.00}. 
Received a text message " The transfer has not been processed. Please call us at XXXX '' Called to ask for information, but the customer representative " can not provide me any information ''. I was told the account was under review. 

Date : XXXX XX/XX/XXXX  Tried to transfer out {$8000.00} and was declined by the bank. 

Date : XXXX XX/XX/XXXX  Tried to transfer out {$3000.00} and was declined by the bank. 

Date : XXXX XX/XX/XXXX  Tried to transfer out {$5000.00} and was declined by the bank. Called again to get the timeframe on the review. The supervisor can not provide me any information regarding the amount of time or the reason why this account was under review. 

My primary concerns are as follows : Lack of Transparency : I have not received any communication regarding the specific issue or violation that led to the review of my account. It is crucial for me to understand the exact reason for this review to rectify any potential issues promptly. 

Delay in Account Access : The ongoing review has resulted in restricted access to my account, which has disrupted my ability to transfer fund out. I am experiencing significant inconvenience and financial impact as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: MN

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 


1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 


3. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 12. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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 have problems with my credit since they put accounts there that belong to my father, they are not mine. I need them to verify both files and put what corresponds 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 explanation