vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had been struggling with Identity Theft for over a year, so I contacted XXXX XXXX to help me. They set-up an Escrow Account & contacted all my Creditors & started paying off some of my debts after negotiating new terms with them. This was really taking a long time, so I decided to refinance my house to finish off paying these debts. XXXX XXXX XXXX  contacted XXXX XXXX  to get the negotiated terms with the Creditors & after closing on my Mortgage, XXXX XXXX XXXX paid off most of my debt. XXXX XXXX had been paying Lowes/Synchrony Bank for some time & the balance was down to {$6600.00} which was paid to Synchrony Bank with Check Number XXXX dated XX/XX/XXXX & cashed on XX/XX/XXXX. On XX/XX/XXXX I received my updated Credit Reports. Much to my dismay, my SYNCB/LOWES report showed that Synchrony Bank was still reporting my account ( closed on XX/XX/XXXX ) as Delinquent with a Balance Due of {$8400.00} past due. My Lowes Credit Card XXXX XXXX XXXX XXXX had an {$8000.00} Credit Limit which I never requested increased. So when my Balance showed {$16000.00}, I called Synchrony Bank & asked them how my {$8000.00} XXXX XXXX Credit Card got to {$16000.00} & they couldn't tell me! Well, it was FRAUD & I told them so, I refused to make any more payments. Over the past 18 months I have made several DISPUTES with Synchrony Bank & they continue to demand payment & send my account to several different Collection Agencies. I contacted the Collection Agencies & told them about the FRAUD & they sent the account back to Synchrony Bank because they can't collect on FRAUD. Each month Synchrony Bank reports my account as Delinquent to the 3 Credit Bureaus & is messing with my Credit Score when they were PAID IN FULL for the remaining Balance on my account. Synchrony Bank keeps hounding me & destroying my Credit Rating while trying to collect {$8400.00} " past due ''. I am tired of this XXXX from Synchrony Bank denying they were paid! So many DISPUTES were filed over the past 15 months all with negative results. I contacted XXXX XXXX Mortgage & asked for their help. XXXX XXXX, Senior Mortgage Advisor & I did a conference call with Synchrony Bank trying to help me resolve this, but like all the previous calls I made with Synchrony Bank, NOTHING WAS RESOLVED!! So I am hoping the CFPB can straighten out Synchrony Bank! I don't owe them anything!!! I want my Credit Score repaired! Synchrony Bank has been falsely reporting me as delinquent for 15 months.

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 2023-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
When the mortgage rates were less than 3 % I applied to refinance. My mortgage rate is 6.5 % ever since XXXX held my mortgage. Shellpoint, the mortgage servicer for New Rez denied refinancing my mortgage. I had to call Shellpoint for the details of the denial. ( Shellpoint had sent me a denial letter without any details. ) My credit rating was very good, and I had paid my mortgage on time. The denial was new cause of student loans ; the total amount was used for a debt/income ratio. 

I had an agreement with XXXX to pay $ XXXX, and I paid it. XXXX is not asking me to pay the total listed student loan payment monthly. Even though I consistently pay 6.5 % on time monthly, Shellpoint denied refinancing my loan. 

Now I am XXXX old and need to work in order to continue paying my mortgage at 6.5 %. I do not want to sell, because the odds are very high that I would not be able to find another home. ( As you may know, California has a huge housing shortage ; and available housing is for very high earners. 

If I sell, I will need to move out of the country. At my age, I do not want to be far from family. There are no available housing for me. ( My mother was on several waiting lists for senior housing for more than 10 years. ) So, I continue to pay at 6.5 % because I didn't qualify for a lower rate. What more can I say, except I no longer enjoy living in the U.S. where I was born in XXXXXXXX XXXX in 1949. This country " XXXX ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: NJ

Complaint narrative:
I reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate that's why I am reaching out to you. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Volvo Car Financial Services U.S., LLC
State: NY

Complaint narrative:
My lease vehicle was deem a lemon by NYS lemon Law arbitration on XX/XX/2023. In the decision Volvo was to refund my payments within 30 days and my lease agreement was void. I have been back and forth with Volvo since then. They acknowledged receiving the judgement but would not do anything more. In the mean time Volvo started reporting me late on payments for XXXX, XXXX and XXXX destroying my credit score. I have submitting proof that I am not responsible for anymore payments but they continued to report incorrect information to all three reporting agencies. I have tried to get it off my report but has been unsuccessful even with the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Didnt give written permission to have XXXX XXXX or Synchrony Bank furnished on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: DISCOVER BANK
State: MA

Complaint narrative:
Didnt give written permission to have Discover Bank or XXXXXXXX XXXX furnished on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents.

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 2023-09-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
On XX/XX/2022, XXXX XXXX XXXX billed me {$120.00} for services never rendered after receiving notification that I changed carriers. The phone numbers which XXXX XXXX XXXX attempted to bill me for were wholly owned by XXXX for the entire billing period in dispute ( XX/XX/2022 - XX/XX/2022 ), thus it would be impossible for them to provide the stated services. I was not under any contractual obligation, as I had already paid for all services rendered by XXXX XXXX XXXX through XX/XX/2022. 

I called XXXX XXXX XXXX customer service to dispute the bill upon receipt. Their representative confirmed that I am not under contract, that I owed nothing on any devices, and that the bill was purely for future service dates. I requested the source of legal authority to bill a consumer in advance after they've changed carriers and the XXXX XXXX XXXX representative stated it's their company policy to do so. I refused to pay and informed them that I'm disputing all charges on the bill dated XX/XX/2022. At that point, the representative stated that they'd " settle for {$50.00} ''. I declined, as XXXX XXXX XXXX was clearly attempting to collect money for services that would never be rendered. This is a deceitful and fraudulent collection attempt. I will attach documentation showing that XXXX XXXX XXXX attempted to bill for the same exact period as XXXX, whom the phone numbers and service belonged to for the entire period in question. 

Roughly one year later, I received a derogatory remark on my credit report from each of the three bureaus as reported by Sunrise Collection Agency, whom purchased the fraudulent " debt '' from XXXX XXXX XXXX. After disputing and providing the case details to each bureau, XXXX removed the derogatory remark from my credit report. However, XXXX and XXXX did not. I am contacting the CFPB to have XXXX XXXX XXXX clear the fraudulent balance from my former account with them, have the derogatory remarks removed from my credit report with each bureau, and ensure that Sunrise ( and any other collection agency ) cease and desist all collections and reporting actions against me due to the fraudulent XXXX XXXX XXXX bill.

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COLLECTIONS UNLIMITED OF TEXAS INC
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear CFPB, I am writing to file a complaint against Wells Fargo Bank regarding issues with their banking system and potential fraudulent activities. 

Last month, I filed a complaint about the same issue, which involved my designated repayment account at Wells Fargo. Despite not making any changes to my account information and successfully making multiple payments, Wells Fargo claimed that the payment was unsuccessful due to an issue on my end. They demanded that I pay a {$45.00} interest fee. It was only after my complaint that they refunded the interest, and my subsequent payment was successful. Why did it fail the first time? It seems like a trap. 

Today, I received another notification of payment failure, even though my ACH link has successfully processed payments multiple times. Whats even more concerning is that they have directly canceled my payment card link, seemingly preparing to shift blame onto me again, and I anticipate further attempts to collect fees through these questionable tactics. 

My repayment savings account has more than enough funds, and I made a successful payment just a few days ago. 

Wells Fargo appears to profit from failed payments on the due date, and whats even more unacceptable is the suspension of the use of my XXXX XXXXXXXX XXXX payment method. 

I am lodging this complaint in the hope that the authorities will oversee the actions of this unethical bank. 

Sincerely, 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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MRS BPO, LLC
State: LA

Complaint narrative:
In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an account without my written instructions

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc.
State: NJ

Complaint narrative:
I reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate that's why I am reaching out to you. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate that's why I am reaching out to you. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XX/XX/2023 XXXX email notice from Chase bank that an application was being processed XXXX email from XXXX XXXX reporting that an attempt was made to check my credit ( which is frozen ) Called Chase Bank fraud reporting line at XXXX to get the report marked as fraud and closed. Asked for a copy of the report details and they said they can not provide that information without a copy of a Government Issued-ID, FTC complaint and law enforcement affidavit. 

I am now looking to report this crime and seek enforcement as this is likely a party attacking many US citizens and needs to be punished accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I was charged XXXX due to a claim made by avis that i owed for a car rental. Though XXXX claimed that i only owed XXXX which they claimed they never recieved in the first place after a few weeks after the ridiculous charge was made to my account, I had XXXX dollars in my account which made me overdrawn XXXX dollars. I repeatedly went back and forth with XXXX and XXXX  XXXX XXXX to understand why I was 1. Being charged over the amount that was claimed by XXXX. 2. Why did they allow the charge to be authorized when I did not confirm this charge knowing I had XXXX dollars in my account and 3. Proceed to tell me they would reverse the charge because I didn't authorize it and continue to allow charges to go toward my account from avis when the card was canceled and the disputes I had made. I made claim after claim in regards to this issue and called plethora of times and have had the phone hung up on me as though I was not a customer of the company, which i am no longer due to the lack of professionalism, communication, and all around treatment by Bank of America they have stole my money charged me an unethical amount of money and stole my piece of mind when a bank handles any of our hard earmed money. As a nurse that has to work long shifts everydayi would expect my money to be authorizedby me and me alone in order to pay for any charge. I wish to take legal action due to the fraud that is at play with this company and what they are doing to other Americans.

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 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
in accordance with the fair credit reporting act.The list of account below violated my federally protected consumers to privacy and confidentiality 15 USC1681. XXXX XXXX XXXXXXXX XXXX XXXX XXXX account number # XXXX. XXXX XXXX account number : XXXX XXXX  account number XXXX. XXXX XXXX XXXX XXXX  account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXX, XXXX. account number # XXXX. 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C.1681 section 604 A. states that also as aa consumer reporting agency can not furnish an account without mt written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states that : no consumers reporting agency may make any consumers report containing any of the following items of information any otehr advanced items of information, othre than records of conviction 's of crime of which antedates the report by more than 7 years. 15 U.S.C1681s- ( A ) ( 1 ) A person shall not furnish any information relating to consumers to any consumers reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with non-monetary relief