vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-27 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
A Synchrony Home Mattress Firm credit card was opened with a joint owner in the middle of XXXX. On XX/XX/27 I activated my card, but the joint owner was told her information did not match any records on both the website and on the phone. The joint owner called in and was told only the primary cardholder can have a login. When we logged in with my credentials it asked to confirm the last 4 of the user 's SSN. We tried entering hers and it gave an error that it was incorrect. 

I called in and was told that the joint owner can not create a login, was not given an answer when I asked how we even knew the joint owner 's information was correct on file, and was told explicitly I needed to share login credentials with the joint owner. I have another card with Synchrony, but I was still told that I must share login credentials. I asked to speak to a supervisor and was transferred to a number that was not in service and was hung up on. 

The joint owner does not have access to account statements, no ability to limit the personal information shared outlined in the privacy policy, and no way to make payments. We had to check XXXX XXXX to see if they even got her information entered correctly. The account was showing up so it appears that they do have the correct information on file ( we hope ). 

I'm at a loss for how to proceed when everything on their website and app says her information does not match anything on their records, and the representative is advising me on a recorded line to share login credentials for a financial institution and then hanging up on me when I try to escalate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: BSI Financial Holdings, Inc.
State: OR

Complaint narrative:
In XXXX of this year, our mortgage payment brought our mortgage balance below the 78 % LTV ratio of the original appraisal amount that our mortgage servicer lists in their contract and on their website as the point at which PMI will be automatically cancelled for all loans in good standing. I called earlier in the year to confirm the amount the loan needed to reach and that this was an automatic process. In XXXX, however I noticed the servicer was still deducting the PMI fee from our escrow. I called and emailed via their secure message portal to let them know this was still happening and to remove the PMI. One month later the fee was deducted yet again. I again called and they told me I must email a scanned copy of hand signed letter with my request, despite it being publicly noted that the PMI removal was an automatic process. I was irritated but complied, and received no response. In XXXX, the PMI insurance was yet again deducted from my escrow. At this point, I do not know how to have this stop. I have tried no less than 5 times to have this monthly fee removed for something that is supposed to be automatic. I fear reducing my monthly payment by the amount I should no longer be paying as I suspect they will say I am in default. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Fidelity National Information Services, Inc. (FNIS)
State: OR

Complaint narrative:
I received a letter from my bank, XXXXXXXX XXXX, that my name and social security number was compromised. They gave me a complimentary 24 month membership to XXXX from ChexSystems. I tried signing up for the membership online on XXXX I received an error message and was told to call the company. I called 4 different times that day receiving several people who tried to help me. I was forwarded to their " escalation '' department twice. I was left on hold for an hour and was disconnected. I tried calling again for the following day ( XX/XX/2023 ) and made three additional phone calls. My last call was with the " escalation '' department, and she told me she would have another department call me and it would take 24 to 48 hours. Today is XXXX  and I have not received any information from this company. I need help contacting SOMEONE in their institution who can provide me with the service that my bank paid them for. I would appreciate any assistance you can provide me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: SC

Complaint narrative:
It's been unauthored information reported on my credit report I reach out to the companies and credit bureaus that failed to verify the information by providing documents requested of my signed name on the documentation that authored my social security number to be used they also failed to remove the information. Please see the attached documentation that was also sent to the creditor and credit bureau that they failed to response. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Please See Attached Documentation 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. 15 U.S.C 1681c. ( a ) 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
1. Names : The names 1, Incorrect Name XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX are listed on my report. My correct legal name is XXXX XXXX. 
2. Addresses : The addresses 1, Incorrect Address XX/XX/XXXX My correct address is as mentioned above .

3. Social Security Numbers : My correct social security number is as mentioned above.

4. Year of Birth : My correct date of birth is as mentioned above.

5. Phone Numbers : XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX XXXX, My correct phone number is ( XXXX ) XXXX XXXX. Employers : The employers 1, Incorrect Employer XXXX XXXX XXXX listed in my report are incorrect. 
, I formally dispute the following charge-off accounts : XX/XX/XXXXI am disputing the following collection accounts : 1.XX/XX/XXXX ACCOUNT # NOT LISTED 2.XX/XX/XXXXXX/XX/XXXX 3.XX/XX/XXXXThese accounts are listed with late or missed payments and that is incorrect. According to the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed. 
XX/XX/XXXXlease see attachment for the Fraudulent Inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Beginning with the XXXX XXXX XXXX XXXX  statement, my purchases balance subject to interest rate has been going up monthly instead of going down as it should. I have not used my card and have been making above minimum payments the entire time. the amount it has increased is now at or about {$1000.00} it should have gone down by this amount from the XXXX XXXXXXXX XXXX statement balance of {$5200.00}. I contacted B.O.A for clarification on this matter ( How can a balance go up when it is being paid down? ) They responded with an unsigned ( form letter ) with no return contact information for the person that sent the letter. The only thing on it was a case number XXXX acct ending XXXX. I asked specific questions non of these were answered. What I got was a description of how interest is accrued. I already new this info. It states the purchase balance will continue to accrue interest until it is payed off. I knew this also. How can the balance be payed off when every time I make a payment the balance goes up instead of down. If the monthly amounts had been subtracted from the XXXX XXXX  balance of {$5200.00} for the total amount of {$1000.00} my current purchase balance subject to interest would be around {$4200.00} I am attaching statements and correspondence copies among other documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX 15 U.S. code $ 1681c-2 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, no later than 4 business days after the date of reciept. It has been 30 days and you are in VIOLATION of this law because I am the victim of identity theft!!! Please delete these items immediately! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 U.S. code 1681b- Permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER GAVE any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report that violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! As a consumer I am demanding the deletion of the accounts listed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX 15 U.S. code $ 1681c-2 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, no later than 4 business days after the date of reciept. It has been 30 days and you are in VIOLATION of this law because I am the victim of identity theft!!! Please delete these items immediately!

These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 U.S. code 1681b- Permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER GAVE any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report that violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! As a consumer I am demanding the deletion of the accounts listed 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 explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
I was a victim of a fraudulent attack on my Wells Fargo savings account, where the scammer did the following : On XX/XX/2023 an unknown individual ( s ) fraudulently accessed my Wells Fargo bank accounts and unbeknownst to me, added an extra phone number to my profile. On the same date my email account was inexplicably flooded with thousands of emails from many different websites purporting to confirm that I had just subscribed to their news letters. To address this spamming email issue, I immediately began deleting emails at the rate of as many as 1000 emails per hour. I discussed this event with friends and family and no one suggested that I check my bank account. 

On XX/XX/2023 some unknown individual ( s ) apparently logged into my account and ordered a wire transfer from my savings account in the amount of {$3600.00}. I do not know where or to whom this fraudulent wire was sent. After the wire was issued, Wells Fargo sent an email to my email account while I was away from my computer notifying me about the wire transfer. As soon as I saw that email, about 50 minutes after it was sent, I Immediately called the bank to alert them to the fraudulent transaction. The bank said they would make an effort to retrieve the funds which had been fraudulently transferred. The fraudulently wired funds were not retrieved by the bank nor did the bank provide the account number that the funds were transferred to nor dispute that it was a fraudulent transfer. 

Upon further research of my records, I discovered that the XXXX email coming from my bank, notifying me that an extra phone number had been added to my account, was buried in that massive spamming subscription email attack of XX/XX/2023. It was clear that the spamming attack was designed to conceal the notification email. I did file a police report with the local police department. 

The bank never texted to my primary phone number, the phone number that I personally set into my profile, any of the notifications that could allow me to prevent this theft. 

The bank should have confirmed to my primary phone that a new phone number was attempting to be added. 

Wells Fargo does not dispute that the wire was fraudulent nor has it provided any evidence that it was authorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
On XX/XX/2023, I mailed LVNV Funding LLC an initial letter requesting full debt validation of the alleged debts in question : Account # XXXX, # XXXX, # XXXX, # XXXX ) via Certified Mail. LVNV Funding LLC received my initial letter on XX/XX/2023. After XXXX days, I did not receive a response from LVNV Funding LLC XXXX so I mailed my second letter requesting full validation for the alleged debts in question again via Certified Mail on XX/XX/2023. LVNV Funding LLC received my second letter on XX/XX/2023. After waiting for an additional XXXX days, LVNV Funding LLC failed to send their responses. 

Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify the alleged debt ( s ). 

I enclose copies of my requests to the collection agency, asking them to validate these alleged debts, and the receipts showing that I sent these letters certified mail. These debts are not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

As a consumer, it deeply concerns me that, despite my written disputes and the absence of proper debt validation, LVNV Funding LLC has continued to report these alleged debt ( XXXX ) on my credit reports as of XX/XX/2023, which is considered a collection activity, according to 15 U.S.C. 1692g ( b ). This persistent reporting constitutes a clear violation of the FDCPA and is causing me significant distress. I do not know who LVNV Funding LLC is, nor have I ever done business with them or been lent any money by this agency for me to owe such alleged debt ( s ) nor do I agree with these alleged debt ( s ) on my reports as I never signed anything with such agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XX/XX/1988 ***_**_**** I can not Get Access to my credit report its Blocked by creditor, Equifax. I was told by fraud Department that its a block and I have to send a letter to remove it, I sent in letter twice to them no response or never seen it, I work Monday to Sunday and have no time for mistake that was made by them, Please remove The Block on my credit report and give me my fair chance at creating, this is causing me pain because of the wrong report there giving of me, please have the block on my Equifax removed immediately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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:
As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a XXXX person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. 

This company opened an account in my name when I was incapacitated. This is the second time I have disputed this account and theyve failed to resolve and correct the invalid / Identity Theft account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: I.C. System, Inc.
State: MN

Complaint narrative:
These accounts and inquiries are not mine they were made without my permission, consent, inquires. I C System : Opened : XX/XX/XXXX. Reported : XX/XX/XXXX. Or all the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is past the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instruction or consent 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquiries must be removed immediately 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 explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The account is paid in full. My student loan has been forgiven. The credit companies will not do their job.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The account is paid in full. My student loan has been forgiven. The credit companies will not do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The account is paid in full. My student loan has been forgiven. The credit companies will not do their job.

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