vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-19 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I PURCHASED 2 EARINGS FROM JCPENNY. RETURNED 1 TO STORE THE OTHER 1 WAS NEVER RECEIVED. i NOTIFIED JCPENNY. I WAS TOLD TO FILE A POLICE REPORT AND SEND TO THEM. I DID BOTH. NO RESOLVE. AFFFTER MONTHS JCPENNY HAS DOUBLED THE AMOUNT OF 1 EARING TO 2. Y CREDIT SCORES AT THE CREDIT BUREAUS HAS DECREASED OVER 170. POINTS. THEY HAVE RUINED MY GOOD CREDIT RATINGS. I HAVE NNOTIFIED THEM MY EMAIL MANNY TIMES AND HAVE WRITTEN TO THEM WITH PROOF. STILL HAVE NOT RECIEVED ANY NOTIFFICATION ONLY BILLING INCREASING THE AMOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/2023, Wells Fargo ( XXXX ) added {$70.00} interest in error to my Wells Fargo credit card. On XX/XX/2023, I called XXXX and spoke to a representative, she identified this {$70.00} interest as an error and promised a refund of the {$70.00} interest- she also gave me a case number. Furthermore, XXXX mailed me a letter dated XX/XX/2023, stating that on XX/XX/2023 XXXX credited {$51.00} back to my credit card, and on XX/XX/2023 XXXX credited {$19.00} back to my credit card. This did not happen as XXXX explained! 

On XX/XX/2023, XXXX did credit {$51.00} back to mt credit card. However, on XX/XX/2023 XXXX added a {$19.00} charge to my credit card. On XX/XX/2023 I called XXXX and questioned this charge. The representative explained that it was supposed to be processed as a credit so the two credits ( {$51.00} and {$19.00} ) would sum to a credit of {$70.00}. Basically, the charge should have been a credit, and I will be receiving two {$19.00} credits now on my next statement in XX/XX/2023- she apologized for this mistake and gave me a second case number. 

When I received my XX/XX/2023 statement, I discovered that no credits were processed and in fact the {$19.00} was debited from my WF checking account as an auto-pay transaction. On XX/XX/2023, I called XXXX and spoke to a third representative that provided a third case number, and apologized for the continued mistakes, and she explained she will request a new case to be opened for review. 

XXXX is continuing to add bogus interest charges to my credit card and erroneously taking money from my checking account as payment for those bogus interest charges. WF actions do not follow what the representatives and WF letters are promising. XXXX is wasting my time because I have to continuously contact them, and taking my money without a valid transaction. 

I am requesting help from CFPB for restitution of XXXX 's egregious actions that has caused me financial harm.

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 2023-04-19 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: CT

Complaint narrative:
Dear Sir/Madam I am writing to request the removal of inaccurate and unfair information from my credit report. The information my in question has been negatively impacting my creditworthiness. I believe that the information is inaccurate because 15 USC 1681 section 602 A states I the right to Privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. This inaccurate information has been unfairly reported to the bureaus and has resulted in a lower credit score than I deserve. 

These INQUIRIES Need to be Removed : XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 PERSONAL INFORMATION IS INACCURATE : REPORTED NAMES ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses that are inaccurate : XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have attempted to resolve this issue with the creditor, but they have been unresponsive and have not taken any action to address the inaccurate information on my credit report. 

I am requesting your assistance in resolving this matter. Under the fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report and to have that information removed. 

I request that you investigate this matter and take appropriate action to insure that the inaccurate information is removed from my credit report. I would appreciate action to ensure that the inaccurate information is removed from my credit report. I would appreciate it if you could provide me with a written response outlining the results of your investigation and any actions taken to address the inaccurate information. 

Thank You for your prompt attention to this matter. I Look forward to hearing from you soon. 

SINCERELY, 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 non-monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
on XX/XX/XXXX I sent a letter to Experian requesting that they look into and verify several accounts on my credit report. I asked for verifiable proof that the accounts they are reporting are accurate and owned by the furnisher and that it was in fact me. that is a party to the account in question. 

Experian seems to have investigated some of the accounts however the have provided no information as to the furnishers legal ability to report said accounts In addition Experian failed to investigate one account at all XXXX XXXX XXXX Acct # XXXX was not investigated at all. I expect that this account should be immediately deleted. 

I expect for Experian to provide me with the means of investigation and what was accepted by Experian as evidence or proof that these accounts are indeed a result of XXXX XXXX XXXX using credit or obtaining credit with the companies in the attached letter. 

XXXX XXXX XXXX XXXX should however be deleted 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 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
A credit card was opened without my knowledge or consent. There were charges placed on this card. I received the past due notification and contacted Synchrony Bank immediately on XXXX  XX/XX/2023. The representative took my information and would not close the account as I requested & did not forward it to the fraud department. When I contacted the bank again today, notes were placed on my account from XXXX  's call but no actions were taken by the representative. This was escalated and the supervisor was very impertinent. I request the following actions to be done immediately. 
*Amend my credit report - My credit was excellent with a score of just shy of XXXX. I lost XXXX points because of this. 
*Receive a call back from Synchrony Bank by a individual who will take action. My phone # is XXXX. 
*Receive a letter of apology from Synchrony Bank XXXX not a form letter ) I believe none of my requests are out of line and are directly driven by this situatuion.

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 2023-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
The Company Fortiva Retail Credit is currently charging me amount that is not owed to them. I had a purchase with a company by the name of XXXX XXXX XXXX in XXXX. Ga. The purchase and financed. amount was {$2400.00}. I have paid this Company over {$2800.00} as of today and they still asking for another {$1000.00} more. I have disputed this balance with an attorney. This company refuse to provide the law firm copies of statements from XXXX of XXXX XXXX XXXX that are missing on their web site. The only way we can get the copies I have to pay for them, and I refuse to pay for something they required by law to provide. They also refuse to provide documents I signed that I will be financing a purchase of {$3500.00}. 

This company has also removed majority of my payment information as and can't review

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I recently switched my banking to Wells Fargo including my personal checking as well as business bank accounts. After transferring all of my funds and conducting business transactions for almost two months, I received an email saying all of my accounts were being frozen due to 3rd party deposits that were being made by my tenantsXXXX as this was against bank policies. Without any other notifications or warnings, I immediately lost all access to my accounts online and all incoming deposits and scheduled withdrawals were canceled. After contacting the bank and explaining the details I was informed that in order to resolve the issue, all the tenants would have to go into a local branch and physically verify identities or the accounts would be closed. Unfortunately, this was not a feasible request of the tenants due to the fact that we are located in Michigan and the closest branch was confirmed to be in XXXX, Florida. After explaining this, I was told that all accounts would be closed on XX/XX/XXXX and a certified check totaling over {$12000.00} would be sent out by mail, which represented the additional funds in all 3 accounts that were unrelated to the matter. They stated that the {$2000.00} in question would still be on hold until the proper verifications were made. When I called today, XX/XX/XXXX, to verify that accounts were closed and check was being sent, I was now told that an extension was placed on the account closure until XX/XX/XXXX to give the people in question time to verify. I was also told that they will continue to extend the closure until verifications are made in person. I was able to escalate the call up to higher management and they understood and reasoned with me, but confirmed that there would be no way for me to obtain my funds until verifications were made and more than likely extensions would continue until then. I explained that I could provide several forms of proof to resolve this issue including lease agreements, copies of tenant IDs as well as contact information for all in question but that to expect these individuals to travel to Florida for a local branch was simply not realistic. At this point I am willing to forfeit the {$2000.00} that is unverifiable but the additional {$12000.00} that I was expecting to be released today should not be locked up in this situation. I even suggested that I could travel to Florida to at least verify my own identity and get my funds released but I was told that it wouldn't help unless all funds were verified first. I am literally in a position where I have to just sit and wait until the bank decides to actually close the accounts, which according to several representatives is not likely to happen anytime soon.

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 2023-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2022 I ordered a shower door from XXXX. The door that was delivered was not the correct one. It was returned and the account was credited. Since then I have been billed twice for the correct door that I refused at my front door. I disputed and XXXX found in XXXX 's favor. Since I have talked to XXXX and they requested that XXXX find in my favor and XXXX refuses to do that as the file was closed. i will not pay for a {$600.00} door that I do not have. XXXX has sent my account to collection. I am caught between XXXX and XXXX with each pointing at the other.

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 2023-04-19 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: FL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: COLUMBIA BANKING SYSTEM, INC.
State: SC

Complaint narrative:
We financed 2 pieces of equipment with Alliance Financing We were then told our payments go through another Company '' Financial Pacific Leasing '' Everything was fine ( we have auto draw from our bank account ) until we needed to switch our bank On XX/XX/XXXX, I informed XXXX XXXX XXXX that we were changing banks She went me a form to give her the new Account info Then on XX/XX/XXXX, I was informed XXXX doesn't handle that That was when the horror began with " FinPac ' ( Financial Pacific Leasing '' No one could confirm my account I filled out numerous forms, they still said my account did not exist Finally, my bank wrote a letter I was still charges over {$100.00} in late fees ( we have 2 contracts I cant get a statement of my account ( only XXXX XXXX can do that I have requested a statement 6x 's ( in writing ) No supervisor will speak with you I need a monthly statement and a statement of my payments.

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 2023-04-19 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Dear Experian, I am writing to request the removal of two missed payments from my credit report as per the rules of construction under 15 US Code 1681A Title Definitions.

I missed two payments on my [ XXXX Credit Card ]. As per the terms of the agreement, this missed payment was reported to the credit bureaus, affecting my credit score and making it difficult for me to obtain credit in the future.

However, I would like to draw your attention to the rules of construction under 15 US Code 1681A Title Definitions, which state that any information reported to the credit bureaus must be accurate, relevant, and substantiated. In the case of the missed payments.I believe that it does not meet these criteria, and as such, should be removed from my credit report. 

I would appreciate your prompt attention to this matter and your confirmation that the missed payment has been removed from my credit report. 

Thank you for your time and consideration. 

Sincerely, 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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I RECENTLY NOTICED IDENTITY THEFT SOMEONE USED MY NAME FOR ACCOUNTS

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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I received an emailed showing that someone was approved account for a XXXX XXXX XXXX, that was processed online with my discuss security number and an address I had while I was a military spouse over 13 yrs ago. It was with my old last name as well

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 2023-04-19 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: NJ

Complaint narrative:
XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

I am deeply disturbed by their lack of respect for my private information ; This is an act of aggravated identity theft, as the courts have already stated that they do not release this information to credit agencies. 

By 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. 

Bankruptcy : # XXXX Bankruptcy : # XXXX XXXX XXXX, XXXX, and Equifax have 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 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 or 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 data is inaccurate. 

I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: VA

Complaint narrative:
I have a XXXX cart and money was taken off of my card from 2022 to current.The amount of money was taken off my card was {$3000.00}. I have no history of bank statements. Until XXXX of this year. The bank giving per visua credit. But the keep take the back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Greetings, Both my loans ( XXXX # : XXXX & XXXX # : XXXX ) were considered past due in XXXX despite the payment coming out of my account on the XXXX of XXXX for both loans. 

This has DESTROYED MY CREDIT without a fault on my own. I have been admitted to the XXXX XXXX XXXX program and need to take a loan for {$250000.00} and was denied because of this issue. Also, I am moving to California with my wife and daughter at the end of this month and won't be able to rent a home to live in with this issue at a high cost of living area ( XXXX XXXX ). I have had +12 years of on time 100 % payments before this issue and an almost XXXX credit for all these years. 

Few issues/notes here : The payments were withdrawn on the XXXX of XXXX versus the XXXX or before despite being on XXXX. Why were they not withdrawn on the XXXX? This is an issue from your end. PLEASE SEE ATTACHED. 
The payments for some reason got sent back to me after. Also, this is not my issue. If this is an overdraft issue, why would the money be withdrawn from my account in the first place? I also am a premier account holder with XXXX. 
The payments were made again on XXXX of XXXX. I also called and was told that the late fees were waived and that there will be no further issues, yet, this was sent to the bureas and DESTROYED MY CREDIT I am in no need for help paying for my mortgage, however, I have been sent multiple BLUE packets that went to the wrong address and took a while to get to me ( address is updated on the system ). 
I was not told that the 30 days count from the XXXX of the month rather than the XXXX. 
I have changed my auto pay date for the XXXX of each month to avoid this issue in the future all together. 

I have attached : XXXX bank transactions/date with regards to both mortgages. 
my credit reports over 12+ years The chart of the credit score and the huge loss I incurred XXXX XXXX XXXX admission letter loan for school program : rejection and reasons for rejection I look forward to your support with getting this taken care of. 

Thank you, 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