vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
There is an account on my credit report that is not mine and the address and phone number attached to them are also not mine. I have never lived in that state or shopped at those stores SYNCB/Ashley Homestore XXXX {$8000.00} opened XX/XX/year> is charged off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Dear Amex I was charged a late fee and interest for {$34000.00} on a long ongoing dispute in regards to a fraudulent dental bill. 
After suing The XXXX  I also had to sue Amex as charges for services I never received were still on my card and this was not getting resolved. 
I went through almost 2 years of stress Letters, phone calls and complaints and took up much of my time and energy. 
I had called and sent letters almost every XXXX weeks about this .Amex was aware that I had sued as dispute was ongoing as I called them and they were served XXXX XX/XX/year>. I called XX/XX/XXXX and was forced to pay {$340.00} Interest even though I told them there was a court date in XXXX. Amex Suspended my other card to force me to pay. 
I received a call from your legal dept in regards to these charges and it was finally settled and I paid the balance so theres nothing owing. 
The legal dept informed me that the interest had to be dealt with thru customer service. 
I Have been a XXXX XXXX  Years and my records will show Ive always paid in full monthly. 
I am asking that you please chargeback and take off this {$340.00} that was charged on my XXXX XXXX closing bill a courtesy and due to our long standing relationship. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score ( account name XXXX XXXX XXXX Account XXXX. In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
here are numerous inquiries in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I have been trying to get chime bank to update my payment history since XXXX, supposedly they report monthly to the credit bureaus, however I havent had an update since XXXX, I have called chime several times m, Ive emailed them, Ive chatted, and they always say they will Fix it and they dont. So finally I submitted a dispute with XXXX requesting the information be corrected and updated and even provided my credit statements for the months that were missing ( XXXX, XXXX, XXXX, XXXX ) and XXXX came back saying that everything was being reported correctly and denied my claim. I also received an email stating this. Which is in direct contradiction to what they had told me weeks previous when I spoke to them about fixing the lack of reporting. I spoke with them again today ( XXXX ) and they informed me a specialist would Reach out within 24 hours to address the issue. Which they have said every time Ive spoken with them and still havent actually gotten a response from anyone. At this point its absolutely ridiculous and its negatively affecting my credit report as its showing a high balance where there isnt one.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
On XX/XX/24 I emailed the XXXX XXXX navient.com email requesting a XXXX XXXX XXXX XXXX for my private loans because my school was sued for fraud, plus I received group discharge for my federal loans due to the fraud. Navient said they are sending me an application under a separate cover. Not sure what that means so I responded the next day XX/XX/24 stating that I havent received it yet, and asked that I receive my application via email instead of through regular mail. Id like to start the application as soon as possible as this fraudulent debt has been a huge burden that Id like to get corrected asap. 

So far I havent received the application nor heard back from Navient about when XXXX be receiving the application and how.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb.

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed. 

They are not in compliance with the following law. 

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb.

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed.

They are not in compliance with the following law.

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
This is for Lakeview Bank Loan Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX My mortgage was transferred to a different bank and I was not properly ( The mail was sent to wrong address ) notified causing me to make the payment late since I did not know who to make the payment to. Then there was an issue with the auto enrollment, which was beyond my control. Also, I want the XXXX mortgage late to be reversed since I have a 90 grace period during a bank servicing change to make payments. 

Please help me as i had cash in my bank and there is no reason for me to delay the Payment. Its not my fault.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I am writing to dispute inaccurate information on my credit report under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I recently reviewed my credit report and discovered erroneous information that is not mine. This misinformation is adversely affecting my creditworthiness and character, particularly as I am in the process of securing a new home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: CA

Complaint narrative:
I am consumer by law and feel taken advantage of. There is inaccurate information still being reported by this company. They are disregarding the law and I can not handle the stress they are causing 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 non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I made a large payment to my account earlier than the payment was due ( XXXX ). They generated the statement earlier than normal. My monthly payment was XXXX. They charged me a XXXX late fee. I asked for it to be credited as a courtesy, because of my previous large payment and the fact that I had never been late. They said " the system says I can't do it, but I don't know why. '' I escalated to another agent who said the same thing. I asked had I ever been late and he said no and said " the system won't let me do it. '' A XXXX dollar late fee when my payment was only XXXX is exorbitantly ridiculous and considering my last payment XXXX and most recent payment of XXXX the XXXX should have have been credited immediately. How can they just charged 32 % of the payment I owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX, XXXX, A XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: UPGRADE, INC.
State: CA

Complaint narrative:
Request charge-off removal in the amount of {$5800.00}. Do code 15 USC 1681EB- IRS considers forgiven debt. The debt is canceled. The credit agencies has to report maximum accuracy. This isn't accurate. And should be removed immediately by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Meridian Financial Services, Inc.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found a item on there to be inaccurate Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX  for {$320.00} this item was removed of of all bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am trying to pay-off my loan. During the process they are said that I owe an additional {$1100.00} in Taxes + a final {$630.00} in principal. After much discussion about this " Tax advance '', I called the XXXX XXXX XXXXXXXX and learned that I lost an exemption, which increased my tax amount owed by {$810.00}. My taxes are escrowed and Wells Fargo did not pay the amount due. That is what caused the penalty of {$380.00}. I have been going round and round with them for over a month. XXXX said that she was going to call me back with the info requested. She did not. I left several follow-up messages for her, she won't return my calls. XXXX said that she was going to have a XXXX call me. She did not. On XX/XX/year> I got fed up and requested to pay off the loan. I sat on hold for an hour waiting for someone to take the call and take my payment. XXXX kept apologizing. This is a huge issue. XXXX ) Wells Fargo is charging customers penalties and interest on escrowed taxes when the Wells Fargo XXXX Department doesn't pay them on time. XXXX ) They are extremely unresponsive. Because of their lack of responsiveness, I am now paying them additional interest because my original payoff statement has expired. I am ending my relationship with Wells Fargo, but I would like a full return of my escrow account, including the {$380.00} in penalties that they stole from my escrow account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: CA

Complaint narrative:
In 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 department of child support services 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 state no consumer reporting agency may make any consumer report containing any of the following items of infomation any other adverse item of information other than records of conviction 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I was given two AMEX giftcards as a gift in XX/XX/XXXX. It has been incredibly difficult to find retailers that accept these giftcards. In XXXX I found a couple retailers that would accept the gift card but more recently no retailers are readily accepting the giftcards, even though they are advertised as being easy to use and accepted at any AMEX friendly retailers. 

In XX/XX/XXXX I've tried making purchases at XXXX with the remaining balance on the giftcards only to have them continue to be declined ( although AMEX still charges a XXXX cent transaction fee for every attempted charge ). I've now spent hours trying to get these gift cards to work. 

On XX/XX/XXXX I called AMEX to get them to rectify the situation only to be told that these gift cards should work anywhere but some retailers don't accept them due to stricter security measures. I was told since the card is not registered in my name, some retailers recognize that as a signal of fraud. I asked if I could register this gift card in my name to fix the issue and they said that is not possible. In other words these gift cards are not actually easy to use or accepted by majority of retailers. 

I then asked how I was supposed to use the cards if they are going to keep getting signaled as fraud and I was told to " keep trying different merchants ''. I asked if they have a list of merchants that accept these cards and she said they do not. So as a consumer I am supposed to waste countless hours of time trying to figure out how I can spend money, this is criminal. Meanwhile AMEX is collecting transaction fees and keeping money that is not theirs. This is a scam, The two gift cards I have are : Card number 1 : XXXX, balance of XXXX Card number 2 : XXXX, balance of XXXX

Company response to consumer: Closed with monetary relief