vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I used my SYNCHRONY XXXX XXXX XXXX to pay for the flooring work. When I began the project, the bank assured me that there would be no interest for 18 months, which I have in writing. However, after 12 months, I noticed that my balance had increased by an extra {$3000.00} for interest when I check on XX/XX/2023. I contacted the bank and learned that the interest-free period was only for XXXX months, and there was a mistake in my timing. 

I expressed my concern that this was unfair, but it took nearly a whole month of discussions with their supervisors to reach a conclusion. Unfortunately, there was no resolution offered except for the option to contact the flooring company, Floor and More. They informed me that they could extend my promotional date, but it would cost me {$1500.00} for them to do so. This payment was necessary for SYNCHRONY XXXX to extend the promotion on their end. 

I genuinely believe that the bank 's actions were misleading, and I feel like I was taken advantage of. It's important to note that throughout this process, both the supervisors and employees I spoke with were very impolite and unhelpful in their interactions with 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
Consumer complaint received 2023-08-14 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: FL

Complaint narrative:
In Accordance with Fair Credit Reporting act XXXX  Formerly XXXX Account # XXXX, 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. 

This company furnished inaccurate information on my credit report. They marked my account as a charge/off cancelled debt but still updating my account as payments are being made. This is a violation. According to the IRS charge/off or closed accounts of {$600.00} or more is considered cancelled debt or forgiven. They must send me a IRS form 1099C but I still have not received one and they are still in violation of my consumer rights by furnishing inaccurate items on my report without my consent. They have been put on notice that the information is incorrect and yet they still violated my rights by updating and furnishing this on my consumer profile. TransUnion has the duty to ensure everything is accurate and if a person has reason to believe that the information is inaccurate by Law they are not allowed to place anything on the consumer report. 

I will be seeking a minimum of {$1000.00} in damages per violation for defamation, negligent enablement of identity fraud, violation of the Fair Debt Collection Practices Act ( including but not limited to section 807-8 ), Violation of the Fare Credit Reporting Act including but not limited to section 623-b ) Depending on your response I may be detailing any issues with your company via an online public press release, including documentation of any potential small claims action. CC : Attorney General 's Office CC 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 2023-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Capital one 360 performance checking XXXX Irs check : XXXX My account was frozen due to a certified IRS check and now they are closing mine and my fiance account without a good reason why and will not let me know what is going to happen to the XXXX XXXX dollars that is in my account I've called capital one they've been quite rude and secretive. I've even called the IRS to make sure they didn't send a bad check or anything and they said it was fine shouldn't have any problems The checks in my fiances name which his name is on my account and we cashed it in person spent half of it on our home remodel went to pay a bill and they had frozen my account you would think they would take action before i spent some of it. His direct deposits from work come thru there also. 

It's not like I'm not sending them proof I have sent them his whole tax return from his XXXX. I have sent where the IRS edited my return. Literally sent them everything they need to finish this investigation. 


The investigator has yet to call me, as he had any reason to freeze my account in the first place. I have a XXXX year old and a XXXX year old and I'm having to move in with my parents not because I don't have money but because my bank is HARBORING my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: College Ave Student Loan Servicing, LLC
State: NJ

Complaint narrative:
On XX/XX/2023, UAS/CollegeAve student loans wrote off and closed an account with student loans worth {$10000.00}. This was unbeknownst to me for several months till I had to file for a loan and got rejected a few weeks ago. Upon reviewing my credit report I noticed a write off from CollegeAve student loans. This is a loan for which I am a co-signer. 

The loan was put on a disbursed schedule during the pandemic and CollegeAve had never informed me when the disbursement had ended. Furthermore CollegeAve had never informed me and I had never received either through email or mail that the loan was about to be written off. 

This write off has destroyed my credit score that I have worked so hard to build. I had the means to pay for it all this time but CollegeAve had never given me the opportunity to do so but rather sent it to write off without any notification whatsoever. I believe that that is a violation of consumer protection law and thus I appeal that this write off be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: WI

Complaint narrative:
I am currently looking to purchase a car and my credit report is reporting a numerous amount of inaccuracies. Hard inquires as well as an auto loan that has been paid in full. I am very concerned consumer and want only true information about me reporting. Please removed this inaccurate information as you are in violation. 15 U.S.C 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/2023XXXX XXXX XXXX  Date of Inquiry XX/XX/2023XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2023XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
On SundayXXXX XXXX XXXX XXXX I received a notification from XXXX stating that my credit score has decreased significantly. When I checked the account, there was a bill that had been sent to collections in my name. The amount due was {$1700.00} for an unknown bill. I called the collections agency this morning and found out the bill was from XXXX XXXX. I have and never had an account of any kind in my name with them. After speaking with XXXXXXXX XXXX fraud department, I was prompted to contact the FTC and file a claim, file a police report and return the information to them before disputing anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: TX

Complaint narrative:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 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: DISCOVER BANK
State: OH

Complaint narrative:
I used my Discover debit card for a purchase of an item from a merchant called XXXX XXXX on XX/XX/XXXX in the amount of {$110.00}. 

This merchant ( XXXX XXXX XXXX ) never sent me the item I purchased and was not responsive to my repeated emails requesting a status update. 

So I contacted Discover on XX/XX/XXXX to report that the merchant did not deliver and requested a provisional credit and investigation. However, Discover replied that they were unable to do that under Reg E for my debit card purchase. 

This was disappointing to me because Discover previously gave me a provisional credit for a debit card purchase from a merchant who did not deliver in XXXX of XXXX under Reg Z. 

Furthermore, Discover claimed that they changed their policy and they no longer provide Reg Z provisional credits and investigations for debit card purchases. 

Had I known that my purchase with my Discover debit card was not protected under Reg Z, I never would have made it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
I ask the finance company to not share my personal information, such as my experiences and transactions and they continue to do so without my permission. They lied and said I signed a contract giving them permission to do so. Its no where in my contract and its an invasion of my privacy.

Consumer Law 15 usc 1681 A ( 2 ) a1, also 15 usc 6801, and 6802, 15 usc 1681 B. They have broken and violated my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I went online XXXX, to get a payoff amount for the car. 
After getting the amount, {$13000.00}, Wells Fargo erroneously changed the loan to paid off. There was not enough money in my account for that amount. The account shows it posted the entire payoff. The balance is XXXX. 
Theyre unable to reverse the transaction at this time. I am unable to sell the vehicle due to this error. 
They stated, after numerous phone calls, it may reverse in XXXX days or I may have to refinance the loan. There have been no clear answers. 
I have only 7 days to sell the car at the offer that was promised. The cost will continue to decrease daily which means I loose more money.

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 2023-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
I made the XXXX payment on my mortgage on XX/XX/XXXX XXXX - The payment amount I was quoted before signing the mortgage and the payment were {$720.00}. This amount continued to be paid each month until XX/XX/XXXX when along with the normal amount of {$720.00} for my monthly bill I was notified of a shortage in my Escrow Account of {$2400.00}. So, on XX/XX/XXXX I not only paid my monthly mortgage payment of {$720.00} but also the Escrow Shortage of {$2400.00} for a total payment of {$3100.00}. I paid the Escrow Shortage so my Monthly Mortgage payment would not go up until the next Escrow Analysis on my mortgage account. However, on XX/XX/XXXX the mortgage company released a statement saying that my regular monthly mortgage payment is now {$1100.00}, about a 66 % increase! Even though I paid the Escrow Shortage out of pocket the Escrow amount in my monthly payment went from {$220.00} per month to {$690.00}!!! When contacted about this, and explaining I had already paid the Escrow Shortage out of pocket, the company agent just said the Escrow ; " Is what it is ''. That was the help I got when this is either clearly a mistake on their part or they are a predatory lender that buys mortgages at the originated price then within a year drastically increases the monthly payments hoping to make bigger profits or take people 's homes!

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I received a rejection letter from my bank ( truist ) stating i was unable to co-sign a XXXX dollar loan for a family.The letter stated the following reasons : Delinquent credit, Foreclosure.I was never on a loan of another person, my mother passed away and the bank Suncoast schools credit union took back her condo. I had no financial responsibility to her loan and was not on the loan. I have perfect credit, never late and paid off XXXX homes years early.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a rejection letter from my bank ( truist ) stating i was unable to co-sign a XXXX dollar loan for a family.The letter stated the following reasons : Delinquent credit, Foreclosure.I was never on a loan of another person, my mother passed away and the bank XXXX XXXX XXXX XXXX  took back her condo. I had no financial responsibility to her loan and was not on the loan. I have perfect credit, never late and paid off two homes years early.

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 2023-08-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a follow up with regards to complaint # XXXX filed with you guys regarding Experian Credit Bureau XXXX 

I reached out to you ( CFPB ) to inform you that Experian is not following protocol put in place by the FTC. It is my understanding that there is a process for disputing and if you look at my initial complaint you can or should be able to clearly see they are not following the process and adhering to the reinvestigation process. I have given it another 15 days but have yet to receive any real documentation on their process of validating so therefore I believe the following items should be removed. If they can not show me the steps taken to validate the inacuries I see then by law this is grounds for removal. After several attempts to remedy these items and XXXX efforts on Experian 's behalf I am confident the time has come to remove the said items. It is not only affecting my credit history negatively but also my livelihood this is when I take it personal!

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 2023-08-14 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: NY

Complaint narrative:
The Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Item : XXXX XXXX XXXX opened on XX/XX/2020 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 an 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 items of information, other than records of convictions of cries which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
The account in question was opened XX/XX/XXXX. Ever since I discovered it, I've been trying to correct the error. From XXXX XXXX XXXX XXXX XXXX XXXX XXXX everytime I dispute the validity of the account, asking for the legal documents that verify that I'm responsible for this account, all I get in return is " BMW certified the account as accurate without any evidence without any evidence of the certification. As a result the erroneous report still remains. 

I've been turned down for home loans, business loans as a result of this negative and inaccurate report from BMW Financial Services. XXXX is the account number on file XXXX. 

I'm yet to receive any physical communication with evidence that I own the account. This account has gone through collection phase, charged off phase in XXXX reported paid as agreed In XXXX XXXX XXXX and now in charge off phase again. These irregularities and re-ageing has cost me a whole lot. Not only will they not provide me with the proof I asked but still report the account as accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Subject : Complaint Regarding Synchrony XXXX XXXX XXXX Account To Whom It May Concern, I am writing to formally file a complaint against Synchrony XXXX concerning my credit card account with account number XXXX XXXX XXXX XXXX. Despite my efforts to address this matter with Synchrony XXXX 's customer service, I have not received a satisfactory resolution. 

Account Information : - Account Holder 's Name : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Promotion Start Date : XXXX - Promotion Expiration Date : XXXX Description of the Issue : On XX/XX/2022, I enrolled in a promotional deferred interest charges credit card offer with Synchrony XXXX for a one-year period. The initial purchase amount was {$2100.00}. I promptly set up auto-pay with the intention of making payments on time throughout the promotional period. Despite my diligence in ensuring timely payments, I did not receive any statements via email or regular mail. 

I had made an extra payment of {$1000.00} in XX/XX/2022 to expedite the repayment process. Shockingly, I realized that I had missed the promotional period and was charged an additional {$530.00} on top of the remaining balance. This oversight was primarily due to my inability to access statements through any means. I did not receive statements during the promotional period via email, or mail. The company insists they did send the statements to the address on file, which is my current address, but I insist I did not receive the statements via mail or email. I've never had any situation like this with any creditor. I am saying the true, I am being 100 % honest, I did not receive any statements in any way. 

Supporting Documentation : I have attached multiple screenshots as evidence, showing that I was unable to access any statements online either. Additionally, I can provide further correspondence and documentation upon request to support my claim. 


Conclusion : I appreciate the Consumer Financial Protection Bureau 's commitment to ensuring consumer protection and fair practices. Kindly review the evidence provided and use your expertise to mediate this matter, allowing for a just resolution. 

Please feel free to contact me at XXXX or XXXX for any additional information, clarification, or evidence you might require. 

Thank you for your time and attention to this issue. 

Sincerely, 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