vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-11 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Opened a credit account with Synchrony Bank through Discount tire on XX/XX/2022 with a a balance of {$1000.00}. Made 1st 2 payments of $ XXXX, well above minimum payments. 2nd payment was a few days late of due date. 3rd & final payment in XXXX the due date was on a Sunday, I paid on a Monday. Was notified of another late charge. I called and had the late charge removed and was informed by the company representative that my balance is XXXX. XX/XX/XXXX, I am notified that my account has been reported as delinquent regarding {$11.00} fee.

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 2022-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
In accordance with the Federal Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights. 

XXXX XXXX XXXX XXXX XXXX. This has been reported by a third party company and not by the United States Bankruptcy Court in XXXX. An attached document has been provided by the United States Court in XXXX, Maryland for me for my complaint. 

XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 15 U.S.C. Section 602 A. States I have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-07-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-07-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: TN

Complaint narrative:
Remove this fraudulent account from my Consumer Profile XXXX XXXX Date assigned XX/XX/2016 {$470.00} I reported to this company and to the bureaus that this is a fraudulent account in my name and must be removed asap! i have written to this company and asked them to send me the original contract with my original signature and original lease the company could not provide this info and neither could the bureaus which lets me know further that this is an act of fraud and a crime. I am the only natural person that can validate or give consent of an obligation that you the debtor says belongs to me. According to federal law 15 USC 1692 ( e ) disputes the validity of this so called obligation and i have not received any original contract connecting me to this fraudulent account. This has hindered me and my family in obtaining credit and is a violation and crime of my consumer rights and has caused damages to my XXXX XXXX and welfare to maintain my home, because of your companies failure to validate this so called debt, i am entitled to compensation according to federal law 15 USC 1692 ( k ) any person is liable to such person in an amount equal to the sum of XXXX according to F.D.C.P.A 15USC 1692 ( k ) and can and will be filed in the U.S district court.. 
REMOVE account asap and compensate acct # XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Remove this fraudulent account from my Consumer Profile XXXX XXXX Date assigned XX/XX/2016 {$470.00} I reported to this company and to the bureaus that this is a fraudulent account in my name and must be removed asap! i have written to this company and asked them to send me the original contract with my original signature and original lease the company could not provide this info and neither could the bureaus which lets me know further that this is an act of fraud and a crime. I am the only natural person that can validate or give consent of an obligation that you the debtor says belongs to me. According to federal law 15 USC 1692 ( e ) disputes the validity of this so called obligation and i have not received any original contract connecting me to this fraudulent account. This has hindered me and my family in obtaining credit and is a violation and crime of my consumer rights and has caused damages to my XXXX XXXX  and welfare to maintain my home, because of your companies failure to validate this so called debt, i am entitled to compensation according to federal law 15 USC 1692 ( k ) any person is liable to such person in an amount equal to the sum of XXXX according to F.D.C.P.A 15USC 1692 ( k ) and can and will be filed in the U.S district court.. 
REMOVE account asap and compensate acct # XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Thank you 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 explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
XXXX payroll/accounting firm authorized a fraudulent payment ( payroll deduction ) of {$4900.00} from my business checking bank account at Wells Fargo on XX/XX/2022. 

I saw a payroll being processed which was my normal amount and did not think it was unusual. After a couple of days, it had not appeared in my account. I notified XXXX and learned someone requested payment from me with a W9 from a fraudulent email. 

I asked them to stop payment and it was not me who requested this. They replied they could not and it was now up to Wells Fargo to reimburse me for the funds. 

I contacted Wells Fargo and filed a fraud report which was declined because it was past 24hrs to report it. Also filed a complaint about that reason. 

I spoke with the AG in Nevada. On XX/XX/XXXX, they gave me this website to file a complaint here.

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 2022-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST UNITED BANK AND TRUST COMPANY
State: TX

Complaint narrative:
On XX/XX/2022 I got a collection call from First United Bank who holds my mortgage. I have had my mortgage with them and refinanced with them as I love their service and process. However, today, they called due to being past due on XX/XX/XXXX payment, which I am not due for, as they miss applied a bi-weekly payment to principal curtailment instead of unapplied balance waiting for the second half of the payment to come in. I have paid my mortgage with them this way for at least 2 years via XXXX XXXX XXXXXXXX online banking who sends them a check every-two weeks for the payment. ( see payment history ) When they called, it was easy to see, but since they said it was not a banking error, they would not reverse and reapply the payment as a partial payment, which would make XXXX XXXX. 

This is crazy and so simple, even if the inventor had been advanced the payment, that can be easily corrected and not make me, who has paid perfectly and often times in advance have to pay again a partial payment. 

As I called during the initial set up as I started these payments to be processed and ensured they would be processed right and followed up for a few payments to ensure they were going to unapplied then to full payment with a fraction, less than {$1.00}, going to curtailment. Again, this has been done on my loan with them for over 2 years, which this is the 2nd loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I reached out to XXXX to dispute information on my credit report from National Credit Systems Inc from XXXX XXXX XXXX. It previously stated that I owe XXXX and is now showing that I owe XXXX as of XX/XX/XXXX. 

XXXX XXXX filed an XXXX  on XX/XX/XXXX with the XXXX XXXX Justice court and got a judgement for {$710.00} Case # XXXX. I was on XXXX  XXXX XXXX, I was working and did not update my information and owed money on rent. My mistake. XXXX XXXX wanted me out because they wanted to raise the rent. I did not damage the apartment. 

Palm terrace then submits a report to National Credit Systems on XX/XX/XXXX for the amount of XXXX. There is a big difference between {$710.00} and {$7100.00}. It has been on my credit report for some time. This has had a big effect on my life. 

This amount is incorrect. I did not do XXXX of damage, and if it was the case, they would have submitted it to the XXXX XXXX Justice Court when they XXXX  me. They have no documentation, photographs, or receipts that show I did this that is why they did not present this to the court. XXXX  XXXX even pays a vacancy amount when tenants are evicted. I believe it is a 30 to 60 day vacancy fee. 

I would appreciate you looking into this matter. I am sure XXXX XXXX XXXX has done this to other tenants.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On the date of XX/XX/2022 I disputed several inaccuracies on my report. All were removed, but two has come back & it's causing severe damage to my profile. According to the FCRA several of my rights have been violated. 
15 U.S.C.602A : States my right to privacy 15 U.S.C. 604A : States a consumer Reporting Agency can not furnish my information without my written consent.

I did not give permission for any of these companies to furnish my information.

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 2022-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
To whom it XXXX concern, I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty frustrating to be honest, but I know that mistakes happen. I trust you'll fix the situation. 

Here 's the wrong info : 1. This is a billing error always paid as agreed on time this is an error this account in violation. 
CAPITAL ONE Account Number : XXXX Please remove it from my credit report. 


I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payments showing here. 

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 

I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX with a {$690.00} balance, 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 2 : It also states a consumer reporting agency can not furnish an account with 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 explanation
Consumer complaint received 2022-07-11 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: SC

Complaint narrative:
I noticed some inaccurate items on my credit report and reached out to the credit bureaus to have the reporting information verified. I sent letters to each bureau on XX/XX/2022, and again on XX/XX/2022. I have not received the method of verification used to show these entries are accurate and they still appear on my credit report. 

Here are the items in question : DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

XXXX XXXX XXXX Provide the document that shows I owe {$1200.00} XXXX XXXX This was pay per delete agreement and needs to be removed. 

DPT EDXXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

XXXX XXXX XXXX I was never late on this account. 

XXXX XXXX XXXX I was never late on this account. 

XXXX XXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

XXXX XXXX XXXXXXXX Provide the method of verification that proves I owe {$160.00}

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 2022-07-11 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I noticed some inaccurate items on my credit report and reached out to the credit bureaus to have the reporting information verified. I sent letters to each bureau on XX/XX/2022, and again on XX/XX/2022. I have not received the method of verification used to show these entries are accurate and they still appear on my credit report. 

Here are the items in question : DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

XXXX XXXX XXXX Provide the document that shows I owe {$1200.00} XXXX XXXX This was pay per delete agreement and needs to be removed. 

DPT EDXXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

XXXX XXXX XXXX I was never late on this account. 

XXXX XXXX XXXX I was never late on this account. 

XXXX XXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

XXXX XXXX XXXXXXXX Provide the method of verification that proves I owe {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: ERC
State: NC

Complaint narrative:
ERC COLLECTION AGENCY POPULATED FOR {$75.00} on credit report. 

They never sent me a letter. 

Their calls are recorded and two different reps admitted no letter sent. 

They transferred me to someone else who all of a sudden said they mailed a letter. 

No letter ever mailed/received and it is on my credit report. I was not allowed under the FDCPA to receive a letter and have my right under that law to dispute. 

This debtor is unknown to me, I dont have any established accounts with them, they are rude, abrasive on the phone and have violated my consumer rights I want this removed from my credit report immediately. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
I had an auto loan with Bridgecrest, but refinanced it with XXXX XXXX XXXX. Bridgecrest was paid off on XX/XX/2022, but they will not release my title to XXXX XXXX XXXX. They have given several excuses : XXXX. The title is in a vault and it takes usually 10 days to retrieve it and mail it. 
XXXX. We failed to retrieve the title from the vault and dropped the ball, we are sorry. 
XXXX. We have the title but we need XXXX 's physical address in order to expedite it. 
I provided them XXXX 's physical address on XX/XX/2022. XXXX notified me today that they still have not received the title. XXXX XXXX, if I can not produce a title, they are increasing my interest rate to the maximum allowable rate. This is out of my control because I can't get Bridgecrest to cooperate. I am going to lose my low interest rate on my loan. 
Today, I reached back out to Bridgecrest. They informed me " We never mailed the title because we do not have it, but we can mail a lien release form so XXXX can go to the DMV and get the title their self ''. I spoke with XXXX and they won't do this, they said they have to have the title. Bridgecrest needs to release this title but I can not get them to and the excuses are always contradictory. I feel the Bridgecrest is retaliating because I refinanced with another bank and maybe trying to force me to finance the car with them if I am unable to produce the title to the new lender. I think this is unfair. 

Please help me get this matter resolved since Bridgecrest can not provide me with consistent answers as to where the title is, they will not mail it and they also keep telling me they will but then never call me to tell me there are problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Gatestone & Co. International Inc.
State: TX

Complaint narrative:
On XX/XX/2022 at XXXX Central Time I received a phone call from the debt collector Gatestone & Co International Inc ( the Company ) reporting to be XXXX XXXX telling me to return their call immediately at XXXX so my account doesn't go to further collections. 

The Company acknowledged receipt of my letter dated XX/XX/2022 informing them they may only contact me by mail at my address. The Company continues to call me in violation of federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: DC

Complaint narrative:
I REAPEAT THAT THIS IS NOT A REQUEST FOR VILADATION AND THIS IS NOT THE SAME ISSUES RAISED IN PREVIOUS COMPLAINT. 1 ) Article 9 of the UCC under SECURED TRANSACTIONS does not cover assignments or rights of transfers for the sole purpose of collections. 2 ) There is no CONTRACTUAL OBLIGATION between I the consumer and US DEPT OF EDU Account # XXXX. 3 ) I as a consumer have the RIGHT TO PRIVACY pursuant to Title 15 USC 1681 ( a ) ( 4 ) - ACCURACY AND FAIRNESS OF CREDIT REPORTING, and the US DEPT OF EDU Account # XXXX, XXXX, XXXX and TRANSUNION VIOLATED MY PRIVACY. ALSO, US DEPT OF EDU Account # XXXX, VIOLATED 15 USC 1692c ( a ) -COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the EXPRESS PERMISSION OF A COURT OF COMPETENT JURISDICTION, a debt collector XXXX not communicate with a consumer in connection with the collection of ANY DEBT, I as the consumer never gave PRIOR CONSENT to US DEPT OF EDU Account # XXXX ( BOTH ACCOUNTS ) TO COMMUNICATE WITH I THE CONSUMER NOR FURNISH ANY OF THESE FRAUDULENT ACCOUNTS ( XXXX - XXXX ) TO MY CONSUMER REPORT. I'm enforcing my rights and demanding US DEPT OF EDUCATION ACCOUNT # XXXX CEASE COMMUNICATION pursuant to title 15 USC 1692c ( c ). I demand BOTH accounts XXXX be deleted Immediately from all 3 consumer reporting agencies or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1681n and title 15 USC 1681o ) regarding the continued willful and negligent noncompliance.

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