vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I initiated merchant disputes with XXXX on my XXXX credit card for two charges, {XXXX} and {XXXX}. 

I ordered tickets for an event on a specific date ( XX/XX/2021 ) and was NOT provided with those tickets. I called XXXX 's credit card customer service number ( Synchrony Bank ) and initiated a merchant dispute on Sunday XX/XX/2021, explicitly for XXXX  Chargeback Reason Code 30 : Services Not Provided or Merchandise Not Received. 

I was then rebilled for both charges. I called multiple times for them to insure these disputes went to pre-arbitration and arbitration. 

The timeframe for the XXXX  disputes has long expired. Synchrony Bank has NOT provided permanent credits for the disputes, and the charges remain on my balance. 

This is a violation of Reg Z, and is a deceptive and unfair practice to not provide me with a permanent credit for these disputes.

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 2022-04-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have a previous line of credit for a federal credit loan and was sent to the wrong address to process the payment and was pick up as collateral from an uninsured work and arbitrated the account from reconsidering the expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
Southwest Recovery SER collected {$150.00} from me, XXXX XXXX On XX/XX/2022. This was under Grid Code G - Collections. I am unaware what this charge is for and no one was given my permission to collect this amount, nor was I given the option to dispute it. I have attempted to contact this Collection Agency located at XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Their contact number is ( XXXX ) XXXX. 

Id like to dispute this at this time and not only get reimbursed for the {$150.00} that was not approved, but regain Credit decrease of 90 points which is my point decrease due to this Flagging of collections. 

Please call me at XXXX with questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
On XXXX I deposited 2 checks from my retirement fund through the mobile app of course! After doing that find out that they put a HOLD on the deposit for several days! I also have my insurance through USAA and with the hold on my deposit they cancelled my insurance! The deposit was for 4400 and some change. After finding out about the hold I contacted there CS and that was a waist of time but was told to contact there Executive Resolution Team. After being on hold for over 1.5 hours I finally talked to XXXX! I was told by her that it.was friday and anyone that could release the hold was gone for the weekend and so the VETERAN CUSTOMER is set to suffer again. After being in XXXX XXXX you would think they would want to serve there customers BETTER! Now my insurance is cancelled my checking account is on XXXX XXXX the 4400 sits in my savings with a HOLD while USAA uses my money and I cant! I also have tried to email XXXX XXXX amd well I guess you know how that went! IT DIDNT!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: AZ

Complaint narrative:
Security Credit Servies LLC - located at XXXX XXXX XXXX XXXX, XXXX XXXX Has parked a debt on my Credit report in violation of Regulation F. They have also operated in the State of Arizona without a legal license.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: GA

Complaint narrative:
I have filed disputes with the company as well as with the credit bureau. The credit bureau took no action and violated FCRA laws concerning permissible purpose and how disputes are investigated. I filed my dispute again the fraudulent inquiries on my report XX/XX/XXXX at XXXX XXXX  and by XXXX XXXX on XX/XX/XXXX they sent me dispute results indicating the the inquires were factual information thus showing that NO investigation was done and simply they just declared they were factual. This is against the FCRA laws in disputing incorrect/fraudulent information. As the companies were closed and they never verified the information. Further i am entitled to $ XXXX in damages per inquiry and I plan to sue if they are not removed immediately. The person I spoke with stated that EQUIFAX does not remove inaccurate inquires without a FTC report despite the fact that the FTC does not handle credit reporting complaints and refer all consumers to the CFPB. 

The two inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: MI

Complaint narrative:
Experian continues to validate fraudulent information, Experian continues to furnish and share inaccurate information to my consumer report without my consent, causing me irritable harm, and financial hardship. Experian continues to add information to my report without proper prior notice nor my authorization or consent. My credit score is being ruined due to these illegal practices to defame my character with these alleged accounts that has not been properly validated pursuant FCRA. Experian continues to furnish private information onto my consumer report without my consent and against my will! Alleged account- XXXX XXXX  has been settled since XXXX with settlement paperwork to validate, how is Experian reporting activity in 2021?? XXXX  XXXX Ive filed FTC complaint showing that my identity was stolen and used, creditor has also failed to validate the debt outside of sending me a copy of an electronic contract with no signature or ID verification but somehow Experian validates the account! A copy of an electronic contract can not be deemed as validation proof anybody can fraudulently make documents. Original contract with my wet signature needs to be provided! Experian continues to house unauthorized private child support information on my consumer report, I have never received prior notice to alleged debt before its being updated and furnished on my report. against The account had been closed a year prior! Experian continues to dishonor the laws, rules, and regulations in place for accurate reporting to keep faith on the banking system. Ive asked for full disclosure of the verification process including documents used to verify as such Is my legal right and have been denied. Experian continues to try to deter me from seeking remedy by sending me ID verification when Ive sent in multiple verification.There is a conspiracy against me and the people. Experian is not honorable enough to be in charge of such a huge responsibility! Delete all accounts that can not be validated! Remove all accounts that have reporting inaccuracies! Delete all inquiries that are not attached to a open account,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have just today received the attached letter today dated XXXX stating that Chase has validated selling my home on XXXX XXXX, XXXX without any mention that this fake account has many illegal issues including XXXX XXXX involvement their Own Account Number as shown on my credit reports dating way far back is # XXXX. This is not only an Unvalid foreclosure sale but also a fraudulent attempt to steal my home of 33 yrs. Also there has never been a mention of my putting down near XXXX in XXXX of XXXX as well as payments based on Estimates which in themselves are illegal. In XXXX of XXXX my document expert proved within her 183 5B Affidavit to not only be photocopied but also forged Both Mortgage And Promissory Note documents. There are many different versions of both of these fake documents within the CFPB files of my complaints. This 1099-A is just another situation of tax evasion of an illegal sale. I the homeowner am not the profiteer but JP Morgan Chase Bank and whomever claims to own my home. I have not as yet received anything in the usps mail telling me of this sale or transfer of my home title which again is all fraud. This 1099-A is TAX EVASION by Chase. I will once again be contacting the IRS in regards of this criminal act!! as I did in XXXX when the last 1099-A was illegally stated and Rescinded!!! XXXX XXXX will also be receiving a problem with this illegal attempt XXXX time to sell my home with photocopied forged documents. THIS IS FULL BLOWN CONSPIRACY FOR PROFIT IN MY BELIEFS AND EVIDENCES WITHIN CHASE/XXXX XXXX CRIMINAL ACTS AGAINST ME. I am XXXX yrs old, XXXX, indigent with only a high school education being targetted by this insanely criminal maniac for profit by trying to illegally steal my home. This fake account was removed from my credit report on XXXX which is no more due to fraud!! please see attached credit report page showing XXXX XXXX and date of account removal. It was removed before this illegal foreclosure sale in XXXX of XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I got a copy of my consumer report and I was so XXXX when I saw what Equifax did to my XXXX XXXX XXXX XXXX, that was in good standing every since I had it. 
The account number is XXXX They had no authority to do this and cause my score to drop XXXX points. This is so unacceptable in every way imaginable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo will not permit me to make a payment on my credit card so that they can charge me interest on the unpaid amount.

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 2022-04-02 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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.

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 2022-04-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I reached out to XXXX, XXXX, XXXX and Capital One and XXXX XXXX  on XX/XX/XXXX. To this date i have not received a response back regarding the fraud listed on my credit file. 

The collection listed on my file is fraud and should be removed as it is causing hardship with my life plans. I the consumer should not be suffering because of identity theft. 

According to the consumer law 15 U.S. Code 1681c2 states that 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 an agency. 

1. XXXX XXXX - 08 Capital One Bank USA N A XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I contacted XXXX XXXX XXXX by mail four times on XX/XX/XXXX did not hear back from them. I could not get a resolution for account ending in XXXX asking it to be removed from my credit file or updated due to it impacting my credit in a negative matter this account is paid in full which payments being made on XX/XX/XXXX for {$44.00} and also again on XXXX for {$44.00} leaving my balance at zero it still shows a late balance of {$88.00} past 60 days I do not have this card or account anymore due to it being stolen which I reported back in XXXX I would like this removed from my credit file I did send four letters into the company directly did not hear back from them I tried contacting them by phone over eight times and I faxed my credit report showing that this is still on my credit file at XXXX extension XXXX and I was told it would be removed which it still has not been to this day

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 2022-04-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I contacted XXXX XXXX  corporation by mail four times on XX/XX/XXXX did not hear back from them. I could not get a resolution for account ending in XXXX asking it to be removed from my credit file or updated due to it impacting my credit in a negative matter this account is paid in full which payments being made on XX/XX/XXXX for {$44.00} and also again on XXXX for {$44.00} leaving my balance at zero it still shows a late balance of {$88.00} past 60 days I do not have this card or account anymore due to it being stolen which I reported back in XXXX I would like this removed from my credit file I did send four letters into the company directly did not hear back from them I tried contacting them by phone over eight times and I faxed my credit report showing that this is still on my credit file at XXXX extension XXXX and I was told it would be removed which it still has not been to this day

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I contacted XXXX XXXX corporation by mail four times on XX/XX/XXXX did not hear back from them. I could not get a resolution for account ending in XXXX asking it to be removed from my credit file or updated due to it impacting my credit in a negative matter this account is paid in full which payments being made on XX/XX/XXXX for {$44.00} and also again on XXXX for {$44.00} leaving my balance at XXXX it still shows a late balance of {$88.00} past 60 days I do not have this card or account anymore due to it being stolen which I reported back in XXXX I would like this removed from my credit file I did send four letters into the company directly did not hear back from them I tried contacting them by phone over eight times and I faxed my credit report showing that this is still on my credit file at XXXX extension XXXX and I was told it would be removed which it still has not been to this day

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 2022-04-02 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: TN

Complaint narrative:
ACCORDING TO THE FCRA THESE UNAUTHORIZED INQUIRIES NEED TO BE REMOVED. KNOWINGLY LYING, MAKING FALSE STATEMENTS OR CONCEALING VITAL, SIGNFICANT AND PERTINENT INFORMATION, DATA AND/OR BOOK ENTRIES CAN, XXXX AND WILL IMPLY THAT YOU ADMIT YOU ARE SECRETLY ENGAGING IN THE PRACTICE OF SCAMMING PEOPLE, EXTORTING PEOPLE, AND DECEIVING THE PEOPLE AND YOU ADMIT THAT THIS IS TRUE AND CORRECT IF YOU DO NOT HONOR THE REQUEST

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 2022-04-02 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: TN

Complaint narrative:
ACCORDING TO THE FCRA THESE UNAUTHORIZED INQUIRIES NEED TO BE REMOVED. KNOWINGLY LYING, MAKING FALSE STATEMENTS OR CONCEALING VITAL, SIGNFICANT AND PERTINENT INFORMATION, DATA AND/OR BOOK ENTRIES CAN, XXXX AND WILL IMPLY THAT YOU ADMIT YOU ARE SECRETLY ENGAGING IN THE PRACTICE OF SCAMMING PEOPLE, EXTORTING PEOPLE, AND DECEIVING THE PEOPLE AND YOU ADMIT THAT THIS IS TRUE AND CORRECT IF YOU DO NOT HONOR THE REQUEST

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: OH

Complaint narrative:
I applied for assistance thru the Ohio XXXX XXXX XXXX This was on XX/XX/XXXX. Per the Ohio XXXX XXXXXXXX the US Treasury sent a file on XX/XX/XXXX to my mortgage company which is the SN Servicing. To date nothing has been done. The Ohio XXXX website still shows " waiting for servicer reply '' I have called several times to S & N customer service, and they don't seem to know what HAF is. The last call I made I was met with hostility from my account XXXX. She stated my file is being worked on and reminded me that I have already called about the matter that same week. I have been told by a XXXX XXXX that someone named XXXX did not receive the file and that " XXXX '' will reach out to her contact at the Ohio XXXXXXXX XXXX XXXXXXXX. I applied for assistance to pay my arrears which now is 3 months. I am trying to proactive but to no avail. I did not choose this company they bought my loan. If I don't get resolve, I am reaching out to my Legislator & states Attorney General 's office. I reached out to the Ohio XXXX  and they advised that they sent the file. See emailXXXX  Hello, Thank you for reaching out. I do apologize that theyre saying that we have not sent anything. I can assure you that we have, and they have assigned them all to go to one person directly so the customer service team or other loan officers will not have any knowledge of what we send unfortunately since the bank has assigned this individual. They do have to approve before any funds can be released. They are not using a 3rd party for XXXX  issues as the person assigned is an employee in the bank itself. 

Thank you, For your protection, please do not respond to this email message with attachments or information that includes personal confidential information. 

XXXX XXXX / XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX Phone XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There is an account listed from XXXX  XXXX that indicates that the original account that is now charged off is from XXXX yet I havent had a XXXX account. I have already confirmed with XXXX that I dont have anything in their records and yet it still hasnt been removed I have already disputed with Experian and XXXX yet it still hasnt been removed. They have failed to remove inaccurate information per FDCPA and FCRA laws. 

Account Info ; XXXX XXXX  XXXX XXXX XXXX XXXX {$5500.00}

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