vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank A XXXX XXXX When I entered a 2-year consumer lending loan ( {$4300.00} ) deal with Synchrony Bank on XX/XX/XXXX, I wasnt aware that the loan wasnt designed to be paid off monthly in two years ( similar to XXXX XXXX purchase ). I received a very short email from Synchrony Bank monthly for two years notifying me that the payment was paid by automatic withdraw from my other bank account. To my surprise, the loan amount increased from {$1900.00} in XX/XX/XXXX to {$4200.00} in XX/XX/XXXX. I am horrified to learn that Synchrony Bank enticed me to a loan with 29.99 % annual deferred interest if there was any unpaid amount at the end of two-year deal. 

If Synchrony Bank would send me an apparent notification stating that the loan would incur an interest charge of {$2400.00} in XXXX, XXXX, I would have chosen to pay off the loan. Instead, Synchrony Bank sent me a short email just like in the past two year notifying me the automatic withdraw. I wouldnt know I had to pay almost 60 % more of my loan amount unless I spent time to open the statement on the banks website. As a XXXX trying to manage my life, I am too busy to check the statement in detail. Without any grace period, Synchrony Bank utilizes this type of business tactics to prey on citizens like me with astronomical 29.99 % annual deferred interest. I urge the governing authority to investigate how many citizens are abused by the financial XXXX like Synchrony Bank. I called the bank right away, trying to find a resolution to pay off the loan with a reasonable interest rate, but the three representatives ( XXXX, XXXX XXXX, XXXX XXXX ) that I spoke to unsympathetically declined my request. 

There are many illegal financial scams in the States. However, how could the U.S. government allow an institution like Synchrony Bank to run a legal financial scam with such a high interest rate? Please STOP Synchrony Banks financial abuse to the law-abiding citizens who worked so hard to support themselves and their family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a XXXX day time frame. Please take the time and consideration to remove the late dates and negative remarks from my credit report. With our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within XXXX ( XXXX ) days. Im never been late on my payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. I want the late dates to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: MO

Complaint narrative:
I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX XXXX, MO, 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 2023-11-08 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: MO

Complaint narrative:
I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXXXXXX XXXX XXXX XXXX XXXX  MO, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
America Express has falsely advertised ( and continue to currently falsely advertise ) that if I as a holder of two different American Express XXXX cards ( XXXX XXXX and XXXX XXXX ) will receive XXXX XXXX XXXX if I refer a friend that is approved and opens an account. 

Over 15 months ago, on XX/XX/XXXX at XXXX XXXX XXXX I logged into my American Express Account and referred my friend XXXX XXXX to get a XXXX American Express XXXX card to her email address. 

On XX/XX/XXXX at XXXX XXXX, my friend XXXX received an email from American Express from their email address XXXX to her at the email address I referred. This email specifically states that I referred her and both she and I would get XXXX miles if she applies and as approved. Furthermore, this same email also specifically states that if she decided to choose a different XXXX American Express Card from their selection, we would still both be rewarded. 

My friend completed this, and has now had her card for over 15 months since and counting. She received her original promotional bonus, yet I have yet to receive a single mile for referring her, and it is now over a 15 months later. 

I called American Express twice about this ( XX/XX/XXXX and XX/XX/XXXX ), and have never heard back. The rep I spoke with from American Express tonight, XXXX, did not even ask me the date, her name nor any other info. He just said American Express is not showing I ever referred someone. 

This was strange as the original person I reported this to two months ago on XX/XX/XXXX asked me my friends name, email address, and date so they could research and see what the plan was then and get the referral miles to me. 

To date I have received nothing for this referral. XXXX then told me to wait at least a week and call back. That is not acceptable. American Express at this point should be proactively reaching out to me in regards to their false advertising that has been on their website every day for the entire 22+ years I have had my own Am Ex Cards. 

I have a copy of the original email American Express sent to XXXX on XX/XX/XXXX, as she sent it forward to me. 

This is a gigantic scam by one of the largest credit card companies in the world, and should not be tolerated. 

At this point, I believe I should be given at least double the original mileage amount I was originally promised to make up for this disturbing attempt of American Express to not honor their agreement with me. 

I can only imagine how many thousands of other card holders they have scammed out of miles as well, as to date, this referral plan is on their website. 

I am happy to provide any of my account info, my XXXX number, as well the as original referral email American Express sent to my friend on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXXXXXX XXXX XXXXXXXX Balance : {$5000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$4300.00} ; XXXX XXXXXXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXXXXXX Balance : {$1900.00} ; XXXX XXXXXXXX Balance : {$2500.00}.

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 explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have been trying to get errors on my credit report removed because it's a violation of my rights under the Fair Credit Reporting Act. Under 15 U.S. Code 1681s-2, a person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. After providing factual information to the furnishers of my consumer report, they still haven't managed to correct the errors and I'm soon going to seek litigation. It has been well over 90 days since I filed my disputes. I even have a bankruptcy XXXX XXXX that the courts I filed with stated they didn't authorize these said companies to report this information or even gain access to it. Under 15 U.S Code 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have late payments on credit card accounts that shouldn't be there. The creditors are also considering the accounts " verified '' because they are basing their disputes on the consumer system that has incorrect data reporting on my behalf that I don't authorize and won't check the proof of proper information I'm sending in. I demand these accounts to deleted from 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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have been trying to get errors on my credit report removed because it's a violation of my rights under the Fair Credit Reporting Act. Under 15 U.S. Code 1681s-2, a person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. After providing factual information to the furnishers of my consumer report, they still haven't managed to correct the errors and I'm soon going to seek litigation. It has been well over 90 days since I filed my disputes. I even have a bankruptcy XXXX XXXX that the courts I filed with stated they didn't authorize these said companies to report this information or even gain access to it. Under 15 U.S Code 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have late payments on credit card accounts that shouldn't be there. The creditors are also considering the accounts " verified '' because they are basing their disputes on the consumer system that has incorrect data reporting on my behalf that I don't authorize and won't check the proof of proper information I'm sending in. I demand these accounts to deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
The Oportun Pathward company approved a loan for {$5100.00} that I did not request illegally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: DISCOVER BANK
State: MS

Complaint narrative:
Reporting late payment on XXXX. In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
They are charging me 4 times more than the bill was that XXXX XXXX sent me before I was evicted from the apartment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I do not consent to electronic communications. I request all responses be in writing through the USPS. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this 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 2023-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I signed up to send my daughter {$230.00}, I verified my identity by giving my social, address, name, phone number, email etc. Venmo, froze my account for absolutely no reason for demanding me to send my passport and ID to further compromise identity theft. I even still complied but blured out some of my important numbers and apparently that was not sufficient. They are a terribly rub company, the customer service is absolutely terrible and not knowledgeable and the people in charge of this take 7 days to get back via email. I would absolutely never recommend this company ro anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
PennyMac issued a credit for the increase in property insurance as a result of their failure to pay the renewal timely which led to us not having coverage. However, PennyMac charged us for lender premium policy which we do not agree with. Also, PennyMac has not provided us with a letter assuring us that they will cover the variance while we have an active mortgage loan with the company.

We have left numerous voice message for PennyMac, and no one has responded. We are hopeful that the bureau can assist in a getting a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: OR

Complaint narrative:
I had an account with Credit Karma and canceled it due to it not properly working and when i tried to recreate it keeps saying my information is not valid or matching anymore?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX has a debt owe I dont own and I dont have a contract with them they sold my information without my knowledge I didnt give them any permission to use or sell my information to any company I would like for it to be removed asap from all my credit reported 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 2023-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
This car was put in my name without my knowledge. I eventually took possession and sold car but the debt has remained. 

This creditor has violated my rights in contravention of the Fair Credit Reporting Act. Specifically, the creditor has infringed upon my right to privacy as outlined in 15 USC Section 1681b, Section 602s. Additionally, under 15 USC Section 1681, Section 604a, subsection 2a, the creditor is prohibited from providing information about my account without my written consent. Furthermore, under 15 USC Section 1666b, a credit issuer is not permitted to categorize a payment on a credit card account as late for any reason under an open and consumer plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: TX

Complaint narrative:
Identity Theft report # XXXX is attached to this complaint with the following fraudulent account that must be removed from my TransUnion consumer report : XXXX XXXX XXXX XXXX. acct # 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