vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I have a TJ Maxx credit card offered by Synchrony Bank. Recently I had made some purchases on the card and later returned some items from the purchase. Some time after paying what I believed to be the balance on my account ( {$20.00} ), I received a notice from Synchrony that I was charged a {$27.00} late fee plus {$2.00} in interest. I immediately called Synchrony to enquire what had happened. It was then that I learned that I should have paid {$25.00}, but due to a miscalculation on my part I only paid {$20.00}. I told the Synchrony rep that I never pay my credit cards late and always pay the balance in full, and that this was purely due to an oversight on my part, and asked him to refund me the fees. He said he could refund the late fee but not the {$2.00} in interest. 

I then asked him to transfer me to manager or someone else who could help. He transferred me to someone named XXXX XXXX extension XXXX ). She informed me that she also could not refund the {$2.00} in interest and that was the " minimum interest '' that could be charged. I then said OK, I will pay off the balance now ( {$5.00} balance plus the {$2.00} interest ) but want confirmation that I will not pay any more fees. She then informed me that she can not guarantee that because I would still get another charge for interest from the time of my last statement closing until the balance is paid. However, because Synchrony has a minimum {$2.00} interest charge I would get charged another {$2.00} because that is the minimum amount that Synchrony charges. So it doesn't matter what the actual balance is, a customer will always be charged a minimum of {$2.00} in interest if they are late on their payment.

So effectively, I will get charged {$4.00} in interest because I mistakenly did not pay a {$5.00} balance. This is per se usurious. Synchrony Bank is knowingly acting in bad faith to XXXX over customers with tiny balances, and not offering any exceptions when an otherwise timely paying customer makes a small mistake. The bank is trying to hide behind " their policy '' when their policy is unconscionable. XXXX even told me that if I did not pay the additional interest ( after the initial {$2.00} charge ) I would get a late fee added on top of that. 

Synchrony Bank is a fraudulent bank that engages in deceptive and unconscionable business practices. They do this knowingly thinking that most people will not complain and simply pay these small fees, which add up to millions of dollars.

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 2024-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are more phone numbers that call me from this Portfolio Recovery Associates ( the first one and all of the above ) almost every hour of everyday ( including this morning-Sunday ). I have no idea what it is about, but this is more than harassment. I have all the calls/times they've called/repeated calls and I am seeking legal counsel, and will be sharing all of these numbers and screenshots ( of just how many times this company calls me ) with attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: VA

Complaint narrative:
Experience credit bureau Reporting number XXXX XXXX According to US 15 1681 & According to US 15 1681 Section 6048 Experience has violated my rights by reporting on authorized information to creditors. Also, it describes that I have the right to privacy. They have validated my right by providing information without my consent, right I have this information removed.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX Would like to exercise my rights to have all information deleted from my account and remove. 
Wrote them letters for several months with no response. My name is Its XXXX XXXX thank you

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 2024-08-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is not updating the payment history for my XXXX XXXX XXXX account. Equifax updated the credit limit, but never updated the payment history. I have never missed a payment, or have been late with a payment to XXXX XXXX XXXX, yet Equifax is showing that through XX/XX/year> to XX/XX/year> no payment history was reported. I have made every payment from XX/XX/year> to XX/XX/year>. I will be submitting documents to prove that I have made every payment. This is a continuing problem with Equifax. I have been trying to get Equifax to update the account completely since XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 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: PA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX date open XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Date open XX/XX/XXXX, XXXX XXXXXXXX acct XXXX XXXXXXXX acct XXXX XXXXXXXX, date open XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date open XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date open XX/XX/XXXX, Hard inquiries XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 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: MO

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 item of information, other than records of convictions of crimes 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; COLLECTIONS : XXXXXXXX XXXX XXXX XXXX {$8500.00} XXXXXXXX XXXX XXXX XXXXXXXX {$8500.00} XXXX XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX  - XXXX {$570.00} XXXX XXXX - XXXX {$570.00} ACCT XXXX XXXX - XXXX {$800.00} XXXXXXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX - XXXX {$560.00} XXXX XXXX XXXX XXXXXXXX {$370.00} XXXX XXXX XXXX XXXXXXXX {$240.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I sent money to Wells Fargo Account From my Bank of account using XXXX at XX/XX/year> is successful, However I sent another {$3500.00} at XX/XX/XXXX. Wells Fargo Account think it is unauthorized transfer but they don't return money back or give to Well Fargo Account. And Wells Fargo will close account by XX/XX/year> because of this transaction. However the bank still hold the 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 2024-08-04 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: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I am a victim of ID theft and I have inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: OK

Complaint narrative:
I am a victim of XXXX XXXX  of Debt bondage I would like for all listed accounts to be BLOCKED AND DELETED BY EXPERIAN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
18 U.S. Code 1028- Fraud and related activity. Knowingly XXXX  in false or actual authentication features for use in false identification documents, document-making implements, or means of identification I want this matter to be investigated, and all these inquiries off 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 2024-08-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I paid a debt for XXXX on XX/XX/year> through XXXX XXXX, another debt collector. I asked XXXX XXXX XXXX to take it off my credit saying it was paid. They wrote a note in my TransUnion account that the account was taken care of and that it was paid for. I've disputed it 4 times with TransUnion and they haven't bothered to take it off yet. Please help me. I have proof from 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 2024-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: AZ

Complaint narrative:
XX/XX/year> notice a collection notice on my XXXX credit report. Called the agency ( Southwest Credit Systems ) doing the collections and after 45 minutes the could not find anything about me or the reason for the collections. 
XX/XX/year> called XXXX and they also could not give any information except who the original creditor was. XXXX XXXX. I have never done any business with XXXX and have been with my insurance company for XXXXXXXX XXXX 
XX/XX/year> Filed a Disputed with XXXX XX/XX/year> XXXX can't find anything about me without a account number and have no idea what the collections is for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: FL

Complaint narrative:
i did all my paperwork for loan modification and sent it at the day that Selene Financial put as time line, and them i received days later a preforeclosure letter i am so sad because before of this i have a letter related to a trial but they did not given me the opportunity to do this, now i have my primary house of my family in pre foreclosure need help XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumers credit report. The credit bureaus can not reinsert this infromation unless it receives a certification from the data furnisher ( the bank, credit card company, or debt collector ) that the information is correct and then provides notice to the consumer that the information will be reinserted ( 15USC 6802 ( A ) ( B ) also permissible purposes ) violations. If the credit bureau reinserts without that certification or if the data furnisher lies in that certification, this is grounds for a law suit. IM respectfully request XXXX XXXX be deleted like they were deleted 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 2024-08-04 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumers credit report. The credit bureaus can not reinsert this infromation unless it receives a certification from the data furnisher ( the bank, credit card company, or debt collector ) that the information is correct and then provides notice to the consumer that the information will be reinserted ( 15USC 6802 ( A ) ( B ) also permissible purposes ) violations. If the credit bureau reinserts without that certification or if the data furnisher lies in that certification, this is grounds for a law suit. IM respectfully request XXXX XXXX be deleted like they were deleted XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumers credit report. The credit bureaus can not reinsert this infromation unless it receives a certification from the data furnisher ( the bank, credit card company, or debt collector ) that the information is correct and then provides notice to the consumer that the information will be reinserted ( 15USC 6802 ( A ) ( B ) also permissible purposes ) violations. If the credit bureau reinserts without that certification or if the data furnisher lies in that certification, this is grounds for a law suit. IM respectfully request XXXX XXXX be deleted like they were deleted 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 2024-08-04 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: DISCOVER BANK
State: MA

Complaint narrative:
Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumers credit report. The credit bureaus can not reinsert this infromation unless it receives a certification from the data furnisher ( the bank, credit card company, or debt collector ) that the information is correct and then provides notice to the consumer that the information will be reinserted ( 15USC 6802 ( A ) ( B ) also permissible purposes ) violations. If the credit bureau reinserts without that certification or if the data furnisher lies in that certification, this is grounds for a law suit. IM respectfully request Discover Bank be deleted like they were deleted XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your Investigation. 

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

*Account Name : ** [ XXXX XXXX XXXXXXXX XXXX **Account Number : ** [ XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your Investigation. 

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

*Account Name : ** [ XXXX XXXX XXXXXXXX XXXX **Account Number : ** [ XXXX  ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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