vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My Synchrony card has XXXX options XXXX ) XXXX pricing XXXX ) Regular non-promo charges. A merchant made a charge on the card as a " regular '' charge vs a promo and I have been trying to pay off this balance for several months so to not incur more interest charges/fee. I have called the company multiple times since XX/XX/XXXX and requested many times for them to tell me what the NON-PROMO balance is so that I can pay it off. I have been told that I need to " figure it out myself '' by looking at my statements. I finally confirmed with them on XX/XX/XXXX with XXXX XXXX # XXXX what the balance was and I made an ADDITIONAL payment over the phone to pay this off. She ASSURED me that this would payoff my interest accruing balance. When I go on to their website, it shows that they have applied the amount as my regular payment which will be applied to the PROMO balances first and then ONLY whatever is >the min payment will go to the NON-Promo INTEREST accruing balance. I have sent there another message today, but they do not respond in a timely manner ever.

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 2022-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Not all of my Home Owners Assistance Fund ( Haf ) payments are being applied as monthly payments. I was awarded XXXX mortgage payments via the HAF program. Im being told by PennyMac that the STATE of Florida only has told them that they must apply mortgage assistance funds sent on my behalf as principal only payments If I'm a month ahead on payments. Yet when I contact HAF Im being told by the reps and supervisors that they have not provided this instruction to PennyMac. PennyMac has been able to provide me documentation on this rule and continue to refer me back to HAF who again state this is not a rule that HAF has given PennyMac. If this information is indeed correct please provide me documentation or update my account to note all HAF payments can applied as needed ( escrow or monthly payments. ) See Mortgage Assistance Program, section 10 of the Florida HAF document attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16 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: IN

Complaint narrative:
There was a bank merger between XXXX XXXXXXXX XXXX and XXXX XXXX, during the transition period, my debit bank tied to my account did not process a payment to XXXX XXXX XXXX XXXX. As a result, my account has been reported as late. This is a complete error, there was sufficient funds in the account, the bank provided a letter of proof of funds but the credit reporting bureaus and XXXX XXXX has refused to correct the error. This type of error on my credit report ( s ) is damaging and it's unfair. They continue to ignore my request after multiple requests to this company asking for resolution for the inaccurate late payment that's being reported.

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 2022-11-16 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received mailings that someone opened over XXXX accounts in my name. 
I never opened an account with truist bank. 

Their customer service is less than helpful.

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 2022-11-16 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: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
have reached out to Caine & WEINER. They have failed to provide proof of validation regarding a debt that does not belong to me. They have furnished this alleged debt on my consumer report and have failed to validate the alleged claim pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act and according ************* you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand this item be removed from my credit report immediately. Caine & WEINER you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. ** **** Code ******* - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form ******* you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
My loan is past due, as a result I receive daily collections calls via auto dialer. I have provided cell consent, however I have not provided direction or authorization for XXXX  to leave voicemails or voice messages on my number ( XXXX ). Per NC state law, creditors are restricted from leaving voice messages to debtors with an address that resides in North Carolina. Its important that my rights as a consumer remain intact as it relates to Federal and State protections, laws and statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Carvana Group, LLC
State: NH

Complaint narrative:
To whom it may concern, so i applied for a credit application on XX/XX/2022 for personal, Family, household purposes. had seen a XXXX  XXXX XXXX that i wanted to purchase with credit. so i went thru the credit application process INCLUDED my credit card as defined under federal law Truth And Lending act ( TILA ) as any card, plate, coupon book or any credit devise existing for the purpose of obtaining money, property, labor, or services. which then gave carvana access to my open end credit account also defined in ( TILA ) then i got a offer asking for XXXX for a down payment. my only problem with this as im reading ( TILA ) under XXXX titled finance charge. the finance charge shall be the sum of all charges is this true? meaning grand total shall be no more charges as i already payed for the truck under my open end credit plan. it later says that the finance charge does not include a type payable in a comparable cash transaction. meaning no wire transfer, no cash and nothing comparable to cash. so for carvana to try swindling payment from me they are also advertising sale XXXX ( XXXX ) that a specific down payment is required in connection with any extension of consumer credit. carvana aided and promoted such down payment willfully knowingly to undermine me as a natural person. would like to note that i was also not offered insurance for my credit transaction can you explain why? thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have disputed with XXXX, Equifax and XXXX a Bankruptcy on all three of my credit reports that they stated they got the information from XXXX and the Bankruptcy Courts. I contacted XXXX and ask them to provide me with where they got this information from and XXXX stated that the data being reported was unverifiable and that they removed it from my report and that they reached out the the bureaus to have them remove it as well. I have sent the bureaus several letters asking them to remove it and the only bureaus that has responded back is XXXX and XXXX. Equifax will not respond back at all. this has been going on since I sent my first letters to each bureau on XX/XX/2022. I asked the Bankrupcty Courts if they give this information to the Bureaus and they sent me a letter stating they do not give this information to the Bureaus. I attached that letter along with the letter from XXXX and they still will not remove this information and stating that the information is accurate. XXXX also stated that my previous request they received with my information included, was not from me or a properly authorized third party. I stated to XXXX that they were advised by me on XXXX, XXXX and again on XXXX by certified mail that I questioned the accuracy of a few items on my credit report. That request was written by me and mailed by me- not a third party agency. This is not right and it is a violation of the fair credit reporting act. I also stated that the Credit Bureaus needed to provide me with copies of all documentation associated with these Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. they have not provided me with this information at all, I also stated to them In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, to please provide the names and business addresses of each individual with whom you verified so that I may follow up. which they have not done so either, they just state that it has been verified as accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have disputed with XXXX, XXXX and Experian a Bankruptcy on all three of my credit reports that they stated they got the information from XXXX and the Bankruptcy Courts. I contacted XXXX and ask them to provide me with where they got this information from and XXXX stated that the data being reported was unverifiable and that they removed it from my report and that they reached out the the bureaus to have them remove it as well. I have sent the bureaus several letters asking them to remove it and the only bureaus that has responded back is XXXX and Experian. XXXX will not respond back at all. this has been going on since I sent my first letters to each bureau on XX/XX/2022. I asked the Bankrupcty Courts if they give this information to the Bureaus and they sent me a letter stating they do not give this information to the Bureaus. I attached that letter along with the letter from XXXX and they still will not remove this information and stating that the information is accurate. XXXX also stated that my previous request they received with my information included, was not from me or a properly authorized third party. I stated to XXXX that they were advised by me on XXXX, XXXX and again on XXXX by certified mail that I questioned the accuracy of a few items on my credit report. That request was written by me and mailed by me- not a third party agency. This is not right and it is a violation of the fair credit reporting act. I also stated that the Credit Bureaus needed to provide me with copies of all documentation associated with these Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. they have not provided me with this information at all, I also stated to them In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, to please provide the names and business addresses of each individual with whom you verified so that I may follow up. which they have not done so either, they just state that it has been verified as accurate

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 2022-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: UPGRADE, INC.
State: NC

Complaint narrative:
My loan is past due, as a result I receive daily collections calls via auto dialer. I have provided cell consent, however I have not provided direction or authorization for Upgrade to leave voicemails or voice messages on my number ( XXXX ). Per NC state law, creditors are restricted from leaving voice messages to debtors with an address that resides in North Carolina. Its important that my rights as a consumer remain intact as it relates to Federal and State protections, laws and statutes. 

Additionally, I have requested during multiple contacts with Upgrade to establish hardship and request assistance or resources and I was advised there was no assistance available because I called within XXXX  day of my next due date. The agent was unable to advise what assistance was available if I did call back. Since then I just received excessive auto dialed calls and illegal voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
on or about XX/XX/2022 i contacted XXXX and or resurgent debt collector and asked for information regarding account ending XXXX and asking not to be contacted further. on or about XX/XX/2022 i received a text message from resurgent debt collector regarding an account that has been paid in full for less than the total balanced ( settled in full ) on or about XX/XX/2022 i received a notice from XXXX regarding an account which i have advised was opened without my written consent. company has not provided any relevent documentation regarding the account and continues to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
The dept. collector by fraud and scam got access to my personal record such my social security and date of birth, I discovered that tonight when I was review my annual credit report. I have never called or spoke with that collector or any of their agents anywhere previously, I do not even know their phone number before until I found their information on my credit report showed medical billing collection. I have XXXX government insurance and before that state health insurance, I never ever have any issue with medical. THE MOST IMPORTANT MATTER IS I NEVER RELEASE MY SOCIAL SECURITY TO ANY DOCTOR OR HOSPITAL OR ANY MEDICAL PLACE, I JUST PROVIDE MY DATE OF BIRTH ONLY! THEN HOW THAT COLLECTEOR GOT TO MY SOCIAL SECURITY?. the insurance company are not allowed by law to provide patients or consumer personal or medical information to collectors unless if the have dairy business together. I am seeking your protection to my identity and force that collector to explain how their fraud case has been built without me releasing my personal information to that collector or his doctor or so ever involved in that fraud case. 
please do what you can to help me got this issue investigated HOW THEY RECEIVE MY PERSONAL INFORMATION IF I DID NOT GIVE IT TO THEM. 
the following is what It was on my credit report : XXXX XXXX XXXX # XXXX ( XXXX ) XXXX Individual XXXX {$880.00} {$880.00} {$880.00} $ XXXX monthly XXXX Collection XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDITOR : XXXX  Dispute indicated for Applicant XXXX XXXX XXXX  Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: CA

Complaint narrative:
I recently checked my credit report and realized there are accounts that are not mine which I have no knowledge of. I am a victim of identity theft and am attaching my notarized affidavit. 

XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Eperian has prematurely removed accounts from my credit report, causing my score to plummet by XXXX  XXXX  and damaging my apparent creditworthiness to lenders. 

As a result of the improper removal of these accounts, the length of my credit history appears to be shorter than it actually is. Currently, my Experian score is XXXX XXXX  below XXXX and XXXX XXXX XXXX XXXX. One of the accounts Experian removed is still open ; the other two should be on my credit report until XX/XX/XXXX and XX/XX/XXXX. The other credit bureaus ( XXXX, XXXX ) are still listing them. 

Further, when I tried over a dozen times to reach Experian by phone and email, I got the runaround multiple times and was finally given a phone number that will not connect to a live agent ( and their email support refuses to help altogether ). 

The accounts in question are : - XXXX  XXXX XXXX XXXX XXXX with XXXX - ending in XXXX ( closed, last updated XX/XX/XXXX ; listed by XXXX ) XXXX XXXX  XXXX acct starting XXXX - ending XXXX ( closed, last updated XX/XX/XXXX ; listed by XXXX ) XXXX XXXX acct XXXX XXXX - ending XXXX ( still open ; listed by 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 2022-11-17 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: TX

Complaint narrative:
I reviewed my credit report and found the following to be in error. I would like these items deleted off my report FCRA VIOLATION. 

XXXX XXXX XXXX # XXXX - account unknown, bureaus can not validate please delete XXXX XXXX XXXX # XXXX - account unknown, bureaus can not validate please delete off my report XXXX XXXX XXXX  # XXXX - XXXX is reporting past due however I do not have any late payments- please update my report to paid as agreed. Also last date active is showing XX/XX/2018 ( see 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 2022-11-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I reviewed my credit report and found the following to be in error. I would like these items deleted off my report FCRA VIOLATION. 

XXXX XXXX XXXX # XXXX - account unknown, bureaus can not validate please delete XXXX XXXX XXXX # XXXX - account unknown, bureaus can not validate please delete off my report XXXX XXXX XXXX  # XXXX - XXXX is reporting past due however I do not have any late payments- please update my report to paid as agreed. Also last date active is showing XX/XX/2018 ( see attached )

Company response to consumer: Closed with explanation