vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I proactively called Paypal Credit about a private party transaction before the purchase of a bicycle to make sure it qualified as a special financing transaction subject to a 0 % interest rate if paid in full within 6 months. Purchase protection was even purchased from Paypal during the transaction. When purchased, the coding was done incorrectly and the transaction was treated as a simple cash advance. When trying to rectify the situation both parties directed me to each other to fix the issue. Synchrony 's representative blamed its policy for not being willing to modify the loan even though their partner made an error. Paypal representative said it was beyond his authority and forwarded me to Synchrony. The consumer is now the one who has to either pay a large sum of money ( unexpectedly ) or pay a very high interest rate because of an error neither company is willing to rectify. I am very disappointed in both of these companies.

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 2021-08-04 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: PA

Complaint narrative:
I have a loan with SYNCB/GAP. I have always made my payments on time. I am requesting for a complete payment history of my record, but I have not received any of its kind. I have been contacting XXXX, XXXX, and SYNCB/GAP with no successful resolution. There was definitely an error on their part.

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 2021-08-04 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: NY

Complaint narrative:
On XX/XX/XXXX and XXXX of XXXX fraud was committed on my Priority checking and savings accounts at XXXX. I was outside of the country when the theft, in the amount of approximately {$700.00} occurred. ( {$5000.00} was transferred from my savings to my checking but not withdrawn ). I called XXXX and was connected to the fraud investigation department who closed my accounts and opened new ones to be verified once I returned in XXXX and visited a branch. However, in XX/XX/XXXX my accounts were closed - due to my not signing signature cards! Once I returned to the States in XXXX I found two checks, {$95000.00} and {$5600.00}, along with several notices from XXXX in the mail claiming I owed money for a checking plus line of credit account! I never authorized or needed a line of credit with XXXX and I never made transactions at XXXX where I'd need it. That unauthorized line of credit was used during the commission of the crime to transfer money from my savings to my checking account! I never knew it existed until the theft occurred. I visited several branches of XXXX and spoke to several managers who all concurred that it was indeed a bank error. I was assured by the XXXX " back office '' over the phone that a letter would be forthcoming to send to the three credit reporting agencies which was never received. To date, my credit score has plummeted due to XXXX 's false claim. I am XXXX years old and ready to retire. My credit was exemplary before this fraud occurred on my accounts. XXXX did not protect me or my funds. For XXXX to arbitrarily close my accounts, claim in their records that I REQUESTED to close my accounts in XXXX while I was still outside of the country, and then mail me a letter stating my accounts were closed because I " failed to sign signature cards '' let me know that there is no communication between the new accounts and fraud investigation department. That checking plus line of credit was used in the crime and should have been seen as such. I was in the process of purchasing a retirement property and lost the opportunity to buy due to XXXX 's negative reporting to the credit agencies. I want my name cleared and charges brought against XXXX for an interruption of my life, causing me stress and aggravation with harassing phone calls and false records, not to mention ruining my credit making me unable to move forward with virtually anything! Your assistance is needed and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
An account on my credit report is stating that I have a past due balance and it's reporting negative on my report. The account has been paid off for months now but it's still reporting negative. I call the company that was handling the account and they looked into it and see that I don't owe anything so they sent me a dispute package and I sent it back with all documents that they requested about 2 months ago. I checked my report just recently and the account is still reporting negative.

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 2021-08-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
In XXXX of XXXX my VA loan was purchased from XXXX ( my lender ) by NewRez ( a relatively new mortgage lender ). I received some information regarding the transaction, but not the information on where to direct new payments. I followed verbal information provided by phone. All my payments originated from my online payment account. Although all payments were initiated in a timely manner, New Rez claimed one payment was delayed in processing and filed a delinquent payment report against me. This meant that I was not eligible to use my VA loan benefits for an extended period of time. 

None of my efforts to resolve the issue with New Rez were successful. I paid off the mortgage and moved on. My concern is for service veterans victimized by New Rez. If they purchased a portfolio of loans from XXXX, chances are good that many of those loans are with either retired or XXXX XXXX personnel. XXXX XXXX personnel in particular are likely to be vulnerable to incompetence and inadequate staffing at New Rez. My hope is to shine some light on a problem that will result in loss of VA loan benefits by current and former military personnel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: OH

Complaint narrative:
This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC over accounts XXXX. XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Third-Party Collection Agency unable to validate debt . Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that Proof of Claim and verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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 have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2021-08-04 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: EQUIFAX, INC.
State: MI

Complaint narrative:
An account on my credit report is stating that I have a past due balance and it's reporting negative on my report. The account has been paid off for months now but it's still reporting negative. I call the company that was handling the account and they looked into it and see that I don't owe anything so they sent me a dispute package and I sent it back with all documents that they requested about 2 months ago. I checked my report just recently and the account is still reporting negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: FIRST NATIONAL BANK OF OMAHA
State: MI

Complaint narrative:
The COVID-19 cares act states 1. Late or missed payments CAN NOT be reported if I have an arrangement has already been made. 
2.If your account is delinquent and a agreement is made a creditor can not report you has more delinquent. 

The FCRA states 1. late payments must follow the 30,60,90 flow FNBO are in violation of my consumer rights and not following the cares act law. I enrolled in the forbearance program XX/XX/21. This bank has reported XXXX, XXXX & XXXX as late payments even thought they were not late. FNBO auto drafted these {$25.00} payments each month on time. They are also reporting to the credit bureaus three 30 day late payments instead of 30,60,90 which is also against the law. The reason they are doing this is to attempt to hide the fact they are not following the cares act law. They have continued to report me as more delinquent with late payments after my enrollment.

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 2021-08-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
My soc sec XXXX My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Nevada XXXX I am having issues with XXXX  and to get access to my acct I need first six statements of XXXX  or last six. The rest is XXXX man!

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 2021-08-04 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: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: CA

Complaint narrative:
Hunter Warfiield has reported an account that is not mine on my credit report. I have been dealing with identity theft for the past year because I was a victim of a robbery. I have attached the section of which you are in violation of on the Fair Credit Reporting Act. 

605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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, not later than 4 business days after the date of receipt by such agency of 39 605B - 15 U.S.C. 1681c-2 605B - 15 U.S.C. 1681c-2 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


Also I have included a copy of my FTC report and my police report as well as my social and my ID. Please remove this fraudulent account from my credit report immediately as you are in violation of my rights as a consumer and I will seek litigation as the results are false information, misleading and inaccurate.

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 2021-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
Online Information Services, a debt collection company is attempting to collect a debt that I do not owe them. I've never used their service nor have I given any permission to any of their representative to use their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
XX/XX/XXXX {$3800.00} was sent from my cash app to my angry ex spouse cash app while i was totally unaware. I was under impression my device was lost or stolen but it was not just hidden so i couldnt check apps. The money was to be paid for a ticket at police station now that is resulting in a warrant until paid so i cant physically go up to make a police report at the very moment because of the situation. Ive Reported to my bank And filed a claim with the CFPB Which is XXXX  XXXX XXXX currently they are investigating the claim dispute. What they denied my original unauthorized transaction XX/XX/2021 because cash app told them there was no new log in device and the transaction was made from my device, as Ive stated already it was knowledgeably and unauthorized from my device without my permission. 
Chatted with cash app today And they denied the claim and didnt even ask me what took place. I feel that Ive been violated off some federal right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I disputed this information to the three bureaus and i neve received anything. I also sent the information to creditor and nothing was sent back to me. They never sent me a certified letter or anything on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: NM

Complaint narrative:
PNC bank in XXXX, Ohio refuses to submit the payoff amount on my mortgage to another mortgage company that I am working with to refinance my mortgage at a lower rate. The nee mortgage company has requested a payoff amount in writing on 6 different occasions and I have called and asked the bank to fax the payoff amount to the mortgage company snd it has never been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed my Experian free credit report XX/XX/2021 and noticed that my personal information that was requested to be removed and updated XX/XX/2021 had returned on my consumer report. On XX/XX/2021 Experian updated all information that was requested ( attachment below ). Upon review of my free credit report XX/XX/2021 they are reporting inaccurate information that was once deleted, plus they have added an unknown address to the report. An address that I have NEVER been associated with and also divorced married names that no longer legally pertain to me. I sent Experian a certified Mailing # XXXX on XX/XX/2021 requesting that they update my information with the proper identification within seven business days. To date they have not honored either request.

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 2021-08-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XXXX 2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
4th attempt on correcting the compromised credit file. my lic is on record with all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have sent multiple complaints to CFPB about Wells Fargo, I am really not sure what the point is since CFPB basically allows the company you are complaining about to police themselves. Apparently we live at the mercy of major corporations who can behave in anyway they want without consequences. 

Wells Fargo ADMITTED TO ME that they made a mistake and debited my account {$1400.00} wrongfully but has YET to rectify this! Theyve been charging me fees on top of that! Its totally ridiculous and messed up. Ive tried to close my accounts but I cant until they resolve it!

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