vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I was called repeatedly from synchrony bank to collect a debt after I had told them I had lost my job due to Covid and was trying to make payment agreements with them. 
They called me close to XXXX times after I told them please dont call me while Im at work and told them the hours I worked they continued to call me while I was at work and leave voicemails. I paid one of my synchrony bank accounts off via a settlement agreement and they entered into a settlement agreement with me regarding another one after I started paying on the second settlement they backed out of the settlement agreement. They refused to accept any payment plan when I attempted to pay them initially and continually harassed me and doc my credit each month by reporting that as delinquent. When they were paid off in a settlement for one of the accounts. And the second account they had been partially paid for the settlement yet they still report that debt inaccurately. I told them I was affected by Covid and I asked to have my debt deferred which they refused to do. And they continue to report one account as not settled and it was settled. From XXXX of last year synchrony bank called me numerous times leaving voicemails using A Robo dialer to harass me while I was at work.

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 2022-10-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX XXXX reported me 30 days late when I have made a payment already. Not to mention my next payment is not due until XX/XX/XXXX of 2XXXX  they are violating FCRA guidelines. I have proof of payment 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 2022-10-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have called XXXX. I have never opened up a credit card with this company. This is for a purchase that was made on XX/XX/22 in the amount of XXXX in XXXX, NY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
My complaint regards XXXX XXXX practices and unfair Truth and lending disclosures with the act of deceptive practices. I signed a personal loan agreement using my car for collateral. I was given the Truth in lending disclosure showing my APR of 17.92 % for 56 months, amount financed {$18000.00}, and payments of {$470.00} monthly. Total cost to borrow this shows,. {$9000.00} total amount after all payments should be {$27000.00}. They not only charge the APR which should average {$160.00} monthly and the remaining of payment should go towards principle. This company charges the APR amount plus daily interest which averages {$6.00} daily, which amounts to approx {$200.00} a month. This daily interest is not what is stated in the Truth and lending disclosure. So this means they have been taking approx {$360.00} a month out of my {$470.00} payment for interest. The remaining balance of {$110.00} goes to principle, on a good month. I have no problem making this payment but only if they take the interest that is disclosed and apply the rest to principle. They continue to say that this is an interest bearing loan, which I thought all loans were, they do not adjust these figures and refuse to look further into their deceptive practices. I have talked with XXXX  the branch manager in XXXX XXXX, XXXX another manager in XXXX and many others in their customer service department in Kansas, I think. This company does not see this as a Predatory and deceptive practice, as I do. I would like to see this type of practice gone, as this is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: PA

Complaint narrative:
I MADE AN UNINFORMED DECISION ON XX/XX/XXXX AND XX/XX/XXXX WHEN I ENTERED INTO A CONSUMER CREDIT TRANSACTION WITH XXXX  XXXX WHERE I EXTENDED CREDIT TO XXXX XXXX FOR THE FOLLOWING ACCOUNT # XXXX AND ACCOUNT # XXXX. THERE WAS NO EVIDENCE OF INDEBTEDNESS. THE ONLY EVIDENCE OF INDEBTEDNESS WAS THE AGREEMENT. BUT BECAUSE OF THE UNINFORMED DECISION THAT AGREEMENT IS NULL AND VOID BECAUSE I DID NOT UNDERSTAND AND KNOW WHAT WAS IN THE AGREEMENT. THE AGREEMENT WAS NOT CLEAR AND CONSPICUOUS AND I WAS UNAWARE OF WHAT I WAS AGREEING TO. VIOLATION OF THE FOLLOWING LAWS : 15 USC 1602 ( p ) 15 USC 1602 ( k ) 15 USC 1601 ( a ) Please see attached dispute letter to XXXX XXXXXXXX. A complaint has also been filed with the ATTORNEY GENERAL of State

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 2022-10-15 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: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
In accordance with the fair credit reporting act has violated my rights 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states 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 any purpose

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 2022-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, my husband deposited {$6000.00} from his XXXX XXXX XXXX account to our joint banking account at Bank of America. The Bank of America teller told my husband thatcheck would be on hold for two days. During that week, 2 autopays were charged to our BofA checking account. One payment for {$47.00} and another for {$300.00} both were returned and I we were charged merchant late fee charges. My husband made a deposit from the same retirement account last month on XX/XX/XXXX for {$5500.00} and never was there a hold put on the check. This check deposited on XX/XX/XXXX was held for 10 days For no reason. Not only were we charged late fees from the merchant but we were charged limit withdrawal fees using money out of our savings account so we could survive without any money for 10 days. I was able to get one of the savings account limit withdrawal fees waived but there are two additional fees. Since my husband used that retirement account the month before there is no reason that {$6000.00} check should have been on hold for 10 days I have contacted a Bank of America supervisor and spoke to two customer service agents. Explaining that my husband has two accounts in his credit union. The retirement account has been well established however he opened a another account and made it rather large deposit from his annuity I can understand why that one would have been held for 10 days but not the {$6000.00} check resulting in Unnecessary fees. We should be compensated for the late fees charged by the merchant and our savings withdrawal limit fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

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 2022-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of account below : 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 non-monetary relief
Consumer complaint received 2022-10-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of account below : XXXX XXXX XXXX : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Accts # XXXX, Has violated my rights 1. Acct # - XXXX Acct Name - XXXX XXXX XXXX 2. Acct # - XXXX Acct Name - XXXX XXXX 3. Acct # - XXXX Acct Name - U.S. DEPARTMENT OF EDUCATION 4. Acct # - XXXX Acct Name - U.S. DEPARTMENT OF EDUCATION 5. Acct # - XXXX Acct Name - XXXX XXXX XXXX 6. Acct # - XXXX Acct Name - DEPARTMENT OF EDUCATION/XXXX  XXXX XXXX Acct # - XXXX Acct Name - DEPARTMENT OF EDUCATIONXXXX XXXX XXXX Acct # - XXXX Acct Name - XXXX XXXX XXXX 9. Acct # - XXXX Acct Name - XXXX XXXX XXXX  15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-10-15 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Accts # XXXX, Has violated my rights 1. Acct # - XXXX Acct Name - XXXX XXXX XXXX 2. Acct # - XXXX Acct Name - XXXX XXXX 3. Acct # - XXXX Acct Name - U.S. DEPARTMENT OF EDUCATION 4. Acct # - XXXX Acct Name - U.S. DEPARTMENT OF EDUCATION 5. Acct # - XXXX Acct Name - XXXX XXXX XXXX 6. Acct # - XXXX Acct Name - DEPARTMENT OF EDUCATION/XXXX XXXX XXXX Acct # - XXXX Acct Name - DEPARTMENT OF EDUCATIONXXXX XXXX XXXX Acct # - XXXX Acct Name - XXXX XXXX XXXX 9. Acct # - XXXX Acct Name - XXXX XXXX XXXX  15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: U.S. BANCORP
State: OK

Complaint narrative:
XXXX XXXX alerted me of a past due and I researched my report and did not recognize the company nor have an account with Elan. After calling 3 different numbers with capital credit was provided a number to Elan Credit. 

Spen 58 minutes and finally spoke to a male XXXX XXXX who advised my Acct had been converted/ conversion from a card Connexus. I explained that I received no phone calls, statement or emails. I then Asked what address and phone and was provided with my home address and a incorrect phone and email. I then asked about my ACH that had been taking from my bank Acct and he had no record. 
He could not provide me with full credit card number due to the conversion and only the last 4. 
He advised to pay the amount due {$82.00} and he would get with his mgr about correction to my credit report. I then elected to pay the balance in full, and afterwards in the call was advised I would have to call another number to discuss. I called the number and advised to write a letter and reference the account number Which they couldnt provide. Therefore I could not send a complaint without the completed card number. 
I filed a dispute with XXXX XXXX and XXXX they advised Elan would not be changing the credit report and no explanation provided. 
I have been erroneously reported as delinquent when Elan failed to advised of the company taking over and did not admit they had incorrectly reported derogatory information. They failed to provide contact information and limited me from trying to correct when they could not give me the full account number to file the complaint. Conversion or not, this company failed to inform and made a promise that they would correct, when I paid the account off.

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 2022-10-15 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: First Credit Services Inc.
State: FL

Complaint narrative:
My information was sold to a different company. I also have medical bills from places I know I havent visited to receive treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: NCB Management Services Inc.
State: FL

Complaint narrative:
My information was sold to a different company. I also have medical bills from places I know I havent visited to receive treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: GA

Complaint narrative:
The credit inquiry named XXXX - XXXX XXXX is damaging my credit rating. The inquiry was placed on my consumer file on XX/XX/2022. Documentation regarding the circumstances surrounding the release of my credit report has not been provided.

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 2022-10-15 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: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
XX/XX/2022 XXXX XXXX transferred certain accounts to GM Marcus Cards. A closed account, I do not have the card for, that to my knowledge has had no balance for years was transferred. GM Marcus refuses to show me the purchases the card supposedly has on it. They can not provide evidence that the purchases are even mine. I am an XXXX XXXX XXXX XXXX XXXX XXXX. All my accounts are on auto-pay ; my other XXXX XXXX has auto-pay on it and purchases I can verify are mine. GM Marcus claims they do not need to provide me the purchases from vendors with dates because the closed account was on auto-pay. I have tried several times to work out a solution with the via the XXXX XXXX XXXX GM Marcus keeps giving the same answer and calling me nonstop to pay them. They are damaging my credit. I am not paying on something that appears to be fraud to me. They will not investigate as fraud. I have tried to get them to ; they are firm on the auto-pay that shows no purchases from vendors or dates. Their behavior is predatory and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
on XXXX, of XXXX  i have reach out to XXXX XXXX XXXX in reference of a account that was open fraudulently due to someone stealing my identity as well as XXXX XXXX there's also two account on my credit report that was also open fraudulently due to theft identity i reach out to XXXX XXXX XXXX several time along with XXXX XXXX XXXX XXXX due to an account that has been close for several years this account belong to my ex wife also there's two account with XXXX XXXX XXXX that doesnt belong to me due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: NY

Complaint narrative:
This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

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 2022-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously filed a complaint regarding important credit history missing from the 3 credit reporting agencies, TransUnion, XXXX and XXXX. Out of the three agencies I have acquired one accurate credit report summary from XXXX that reflects my correct 30+ year credit history summary. When I checked my credit reports around 4 months ago, all 3 agencies were the same as this attached copy from XXXX. 

Once more I would greatly appreciate your assistance in getting my credit history summary corrected with TransUnion and 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 2022-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MSCB, Inc.
State: AR

Complaint narrative:
These accounts are not mine. The only one that I claim is the one I owe XXXX on. I have been making payments on this account and have never missed but perhaps a month or so. If you are going to send me a collection letter and place this account in collections, I will not pay another dime. I would like to request my money I have paid back. I have spent years building up an amazing credit score and I refuse to let you all ruin this for me. Do not call my house or place of employment. Do not write me. Do not email me. Take me off this collection list now. My lawyer for all matters is XXXX XXXX. XXXX and XXXX XXXX XXXX  in XXXX XXXX, Arkansas!

Company response to consumer: Closed with explanation