vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Please find below my transactions using Synchrony XXXX Credit card. 

Date PromoRate Amount XX/XX/XXXX 0 % XXXX XXXX XXXX 0 % XXXX XXXX XX/XX/XXXX 0 % XXXX XXXX XX/XX/XXXX 0 % XXXX XXXX XX/XX/XXXX 0 % XXXX XXXX XXXX XXXX I made automatic payments to my account and continue to do until this afternoon. When my balance for my account reached XXXX, they added an interest of {$740.00} to my account claiming that I did not pay the balance at the end of the promotional period. As file this complaint to continue to add an interest of $ XXXX my account on a monthly basis. 
I have been on the phone with their customer service for over 20 times since finding out that they had recalculated my interest without any notice. 

Until i found out that they added {$740.00} as interest to my account, I did not receive a single notice from them. No bills, no notice indicating that my promotional period was ending either. 

This institution is not reputable and their customer service acts clueless when contacted on the phone in a bid to resolve issues.

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 2023-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am a victim of Identity Theft and I have reached out to these companies stating that this is not my unknown fraudulent inaccurate accounts and addresses. There is so many violations on my consumer report including collection/charged off accounts that are not mine but still listed as open on my credit report. Account types are not listed, last date active is inaccurately dated for a post date. These accounts inaccurately and fraudulant contain information under the Bankruptcy Act. Because these companies have violated me i have expeirenced traumatize mental and financial.

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 2023-01-10 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: CA

Complaint narrative:
My credit was ran without my permission on or about XX/XX/2023. The company admitted to the mistake but has not returned my call regarding fixing the issue. Attached is proof, an email from the XXXX employee who ran my credit without my permission, XXXX  app correspondence with proof XXXX ran my credit without permission, and a screenshot of the hard inquiry. 

MY EXPERIENCE HAS BEEN HORRIBLE SINCE JOINING THIS CREDIT UNION, I WAS NOT EVEN PROVIDED WITH AN ADVERSE ACTION NOTICE OR NOTIFICATION OF DECISION AFTER MY CREDIT WAS RAN. THIS VIOLATES SEVERAL FEDERAL REGULATIONS of the fair credit reporting act FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Social Security Number # : XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX The following letter is a formal complaint that you are reporting INACCURATE accounts to my credit report. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish because the following accounts do not belong to me and I did not give authorizaton for them to be opened or furnished on my credit report. 15 USC 1681e ( b ) states, Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am asking for the removal of the following personal information that does not belong to me as well as unauthorized inquiries and inaccurate accounts that I have listed below : The following personal information is incorrect : Name : XXXX XXXX Please Delete My name should read : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address does not belong to me please delete from my credit report. 
2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address does not belong to me please delete from my credit report. 

My date of birth should read XX/XX/XXXX. On my credit report it reads XXXX which is a year and not a date. 

Please note I give your agency PERMISSIBLE PURPOSE to furnish the following personal identifiers ONLY : My true and correct name should read : XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Social Security Number : XXXX Please delete any other personal identifiers being furnished. As a consumer, I am able to exercise my right to privacy in lieu of the Fair Credit Reporting Act. I do not wish to have any employment information furnished to my credit report. 
Please delete : XXXX XXXX XXXX from 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 non-monetary relief
Consumer complaint received 2023-01-10 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: HI

Complaint narrative:
Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. 

There has been a warning on my report to not approve such things. 

My credit report with Experian is a complete mess, full of inaccuracies, and they have chosen not to deal with it. 

This is unacceptable. 

Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to grant credit, credit access, credit inquiries, and other things. 

These entries should and shall be removed.

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 2023-01-10 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: GA

Complaint narrative:
This company has caused a great deal of suffering with reporting my credit not only was there a breech with my personal information I never authorized them to report or have my information to begin with Ive called but they did nothing to be proactive nor reactive in this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Nationstar Mortgage LLC d/b/a Mr. Cooper assumed my mortgage in XXXX of 2022. I spoke with them on the phone at that time because the principle was incorrect. Also at that time I spoke with them about PMI, they also assured me I would not be charged PMI as I had over 22 % equity in the home. They have been charging me PMI for the past year. A sum of {$810.00} has been removed from my escrow account over the past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
TransUnion made an announcement stating that " Starting XXXX XXXX, XXXX, all medical debt less than {$500.00} will not appear on credit reports '' Transunion violated FDCPA laws when they failed to investigate disputes I filed against the medical debt collection agency XXXX XXXX. Transunion only verified a XXXX digit code with the collection agency and failed to adequately investigate disputes filed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 


Not only has the negligence to thoroughly investigate disputes of the invalid debt negativity impacted my credit score, it's caused damages ofno less than {$2000.00} in incread apr on loans and lines of credit over the 4years and 8 months of the invalid debt remaining on file. 

Dispite agreeing to remove all medical debt from file that's {$500.00} or less by XX/XX/XXXX this {$110.00} collection remains on file.

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 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi there, Per the terms of Chase XXXX credit card - As a one-time bonus each calendar year, you, as the primary cardmember, will earn a Category 1 through 4 Free Night Award after you spend {$15000.00} in purchases. Purchases are when you, or an authorized user, use a card to make purchases of products and services, minus returns or refunds. 

I spent {$15000.00} in XXXX based on purchase date, however, several of my transaction only posted past the XX/XX/XXXX and the system didn't issue free night award automatically. I've tried to reach out visa XXXX but didn't hear back for over a week. Please kindly advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I deposited a check of {$6800.00} on XX/XX/XXXX in my business account using the online deposit function. Chase Bank held onto the check for verification and claimed the funds will be available on XX/XX/2022 ( Exhibit 2 ). Now it claims it has not been able to verify the check. I contacted my client who issued me the check and was provided a cancelled check ( Exhibit 1 ) with evidence that Chase has cashed the check and the funds have been removed from his account. Chase has refused to make the funds available to me even though they have collected the funds from my client.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST
State: CA

Complaint narrative:
On XX/XX/XXXX My sister opened and deposited my Tax return cashiers check for me at the Bank of the West in XXXX XXXX at XXXX at XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX. Later i gave my sister permission to withdrawal money out of the account for myself bc i was unable to do so. The account number is # XXXX. The remaining balance of the account should be roughly about {$21000.00}. When i was home and able to go to the branch myself with my sister, on XX/XX/XXXX around XXXX we spoke to the XXXX named XXXX XXXX XXXX XXXX XXXX XXXX He told us that the corporate security had shut down the account and there was nothing that we could do about getting my remaining balance back. This is unheard of, I've never heard of a bank being able to steal your money before. When i called in on my account it says there was a debt of {$21000.00} XXXX XX/XX/XXXX. But i never took that money out and I'm trying to figure out how to get the remaining balance of my funds. 
Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
RE : Barclays Bank XXXX ending in XXXX ( Account Owner ) Card Ending in XXXX ( Authorized User ) Beginning on or about XX/XX/2022, and ending on or about XXXX XXXX, fraudulent charges were placed on my authorized users card ending in XXXX that totaled {$9700.00}. 

Barclays Bank was notified as soon as these charges were discovered on XX/XX/2022. The bank subsequently refused to reverse these charges because they claimed to be legitimate. How this was determined is unknown because I was never contacted by Barclays or asked any questions. When I responded to this rejection, the bank said that they required a police report. I then filed a police report with the XXXX, New York police and sent a copy to Barclays along with a letter specifying the individual fraudulent charges and their total. After several more weeks without contact or questions from the bank, I received another form letter from Barclays denying to honor the claim and ignoring half of the total value listed in my letter, which indicates to me that no one read my letter or really investigated anything. 

Please do whatever is in your power to encourage Barclays to follow regulations regarding fraudulent charges and credit my account {$9700.00}. 

Thank you, 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 2023-01-10 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: Sunbit, Inc.
State: IA

Complaint narrative:
I went to XXXX XXXX of XXXX to have car repairs done. They told me that they were partnered with a new companycalled SUNBIT. Sunbit offers installment loans and credit cards to XXXX XXXXXXXX customers to help with car repairs. I applied for the sunbit financing and was approved, i had 3 installment loans and 1 credit card with Sunbit XXXX XXXX XXXX XXXX XXXX Ca XXXX. 
All the loans and credit cards were setup on auto pay from day one. Sunbit requires this in order to get the financing. Bank routing number debit card number all were there on the account for auto pay. Sunbit was withdrawing the payments from the account successfully up until XX/XX/2022 ( but in XXXX XXXX XXXX they stopped with drawing the payment for the credit card ). I received my first notification in XXXX XXXX letting me know that the credit card account was 90 days delinquent and i owe XXXX. I contacted customer service agent to find out why they stopped auto pay for the credit card. All my loans and credit cards are on 1 account all payment should have been made. The agent told me that they only auto payment for a credit card account a few months and the customer has to call in and give us permission to continue. I told the agent that policy is ridiculous! Auto pay means that you continue to withdraw payments until the balance is paid in full. I dont have time to call in each month and beg you people to take a payment. Also why did you wait almost 90 dyas before sending out a notice? Theres no way i can catch this up now. I am a senior citizen i receive social security XXXX payments. I cant pay XXXX a month on this cad without becoming homeless. Sunbit has really created a financial hardship for me and you are damaging my credit each month reporting the card payment as late. I think this is negligence on XXXX part for not withdrawing the payments and not notifying me immediately. I asked if we could set up a plyment plan to get the account back on track and Sunbit told me " NO ''. we dont offer any payment plans. I signed up with a consumer credit counseling agency who contacted Sunbit with a payment plan offer and sunbit rejected that ofer to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: ID

Complaint narrative:
All three reporting agencies I have submitted disputes with. They either dont do nothing or the actual dates and info gets changed. Or they wont remove items. When I know they have been altered. And they have removed items and then two weeks later they add them back on and I have disputed that as well. But overall they dont do justice as in fixing or deleting anything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter 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 explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
Mr. Cooper would not release the second lien to HUD, and we have still yet to get the release for this... This has been an ongoing battel with them for months now and we have heard nothing ... HUD has not received the loan to be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Re : XXXXerification of alleged debt pursuant to Section 609 ( a } ( 1 ) ( A ). 



This letter is being sent to you in response to a correspondence sent to me on XX/XX/2022 This is not a refusal to pay more rather, an endeavor to validate the alleged claim pursuant to Sec. 809 ( b ) of the XXXX XXXX XXXX XXXX XXXX requires that. the consumer disputes the debt or requests identification of the orig inal creditor in writing and that the collector must cease collection until he verifies the debt and mail a response. 
According to the Fair Credit Reporting Act. Section 609 { a ) ( 1 ) ( A }. you are required by federal law to verify, through the physical verification of the original signed consumer contract. any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I request the following : Verify the debt ( what is the money that is owed for How did you come up with said amount exactly All contracts that confirm that such an agreement is legal and bonding A certified copy of any judgment made Proof that the statute of limitations does not apply to this account The name and address of the original creditor Confirmation that you have the right to collect debts in my state Your license number and the name and address ot your Registered Agent Your failure to positively verify these accounts has hurt my abiity to obtain credtt. Under the FCRA. unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof. you must remove the account listed below. 
I demand that the following account be verified or removed immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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:
On XX/XX/XXXX I received a new copy of my consumer report and it showed a credit inquiries that I have disputed and been Disputing since XX/XX/XXXX. I have provide Equifax with a copy of a FTC report and a letter from my bank that placed this inquiry on my consumer file and in the letter it stated that they send over a request on XX/XX/XXXX to have this delete from my personal credit file. I called Equifax today and asked why is it still reporting when the bank has requested that it be removed and I have provided them with a FTC report. The supervisor stated that it was XXXX thing that she see that she could not disclose over the phone in my consumer file and in order to get this inquiry remove I would need to send another FTC report in with more detail about this inquiry. Correct me if I am wrong why would I need to do that when the Bank had already send them a request almost a month ago to have it deleted. I feel Equifax is trying to bully me and refuse to remove a inquiry that I did not authorized. Please help I have a previous open complaint that has an attachment from the Bank stated that they have put in a request on XX/XX/XXXX the previous cases are XXXX and XXXX. Per these letters Equifax has refuse to delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter 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