vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: FL

Complaint narrative:
Many concerns : A collection company representing First Porgress XXXX XXXX XXXX keep calling me with information that an account ( XXXX ) were open in my maiden name ( XXXX ) a few years ago. I have asked for this information and reported as inacurate and incorrect. This is not my debt. They harrass me day in and day out over this XXXX XXXX XXXX keeps asking for more money representing XXXX XXXX. I have paid balances and they keep calling with new balances This was already paid for. 

XXXX XXXX XXXX representing XXXX XXXX which was paid XX/XX/2022 in full but never removed from credit reporting from collection agency as promised. 

XXXX XXXX - XXXX which was paid in full a long time ago and disputed transaction from a companty called XXXX men and a truck. I have no knowledge of but they keep calling me to pay. 

XXXX XXXX stating I owe a balance {$4200.00} which was paid in full XX/XX/2022 and I have received a paid in full letter numerous times and a title to the item purchased, stating im the sole owner. I keep calling them to remove the debt from my credit and all they do is apologize for the error. 

XXXX XXXX- I have TWO credit accounts from XXXX XXXX AND XXXX since XX/XX/2022 but they are not reflecting on my credit as on time payments or ownership on these credit accounts. I call them to confirm they are reporting to the credit companies but nothing happens. They keep saying its an error. 

I call to remove closed accounts from my credit but those companies do not anything. 
I also wanted the hard inquires and bankruptcy removed but when i call the reporting agency they just put me on hold and nothing happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX in the past years ( XXXX ). Had people supposed to helping with loan modification, several time. Unable to pay mortgage due to loss of income in the past years. I was laid off and my income was less also. Had to pay the expensive insurance for my husband. Lost income of XXXX per month. His S/S did not begin until XXXX. Had to pay the bills with what money I had. My husband needed XXXX XXXX XXXX XXXX XXXX and our daughter to quit her job to be home with him daily. 
Several individual 's I pad to assist in the past stopped when my husband passed away last year. I am pleading for assistance it is just myself and my daughter, we have no other family alive, friends have turned their backs also. It seems the others just helped me into a bigger mess. If a short sale will help ok, I don't have any idea where we go. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc.
State: TN

Complaint narrative:
The interest on my loan is way overstated. I have had a auto loan that did have an extension due to XXXX. 
The original loan was for {$28000.00} at 17.45 %. 
Several time during the loan, the entire payment was placed in to Interest. The payment before and after looked normal.

I believe this loan was paid off months ago but I had a lot of trouble getting the detail from them to look at.

Example ; My Payment is XXXX on XX/XX/XXXX {$150.00} went to interest and {$480.00} went to principal. 
My next payment the entire XXXX went to interest. 
XX/XX/XXXX my entire payment went to interest when the split On XX/XX/XXXX had {$48.00} going to interest and {$580.00} going to principal. 
All of the payments below went to interest and not principal. Thus the next payment I was overcharged in interest because the principal never reduced. 
XX/XX/XXXX {$630.00} XX/XX/XXXX {$630.00} XX/XX/XXXX {$630.00} XX/XX/XXXX {$630.00} XX/XX/XXXX {$630.00} XX/XX/XXXX {$630.00} XX/XX/XXXX {$630.00} XX/XX/XXXX {$630.00} I was given a few extension during COVID and although the claimed I would not be charge late charges ( some were reversed and some were not. 
I want the late fees waived and {$5100.00} applied to my principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA
State: AR

Complaint narrative:
this account fnb omaha is a fraud account and fraudulent charges have been credit account # 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 2022-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
ON XX/XX/2022 we went to XXXX attended the presentation. XXXX XXXX ( different name on the credit card statement ) try to sell us membership ( said that it was not time share ). The price was too high, we were told we have 2 years to cancel with full refund. later found out that was not true. It's only XXXX days to cancel. This is fraud, and now they don't want to cancel the contract saying that I signed the contract. This is another lie because they emailed the contract on the wrong e-mail address, so I never received the contract. When they send me the signed contract i see that they used my signature ( fraudulently ) to put everywhere in the contract that I never received. 

The name showing on the credit card as a merchant is " Loyalty travel destination '' but the name where to send payment and correspondence is " XXXX XXXX XXXX ''. The business card shows " club sunset '' and the place is called " XXXX XXXX '' who knows how mayny more names there are.

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 2022-12-02 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I filed an identity theft report on XX/XX/2022 ( attached ). I uploaded the report to, Equifax, and XXXX the alleged accounts that are fraud which are XXXX XXXX XXXX AND XXXX XXXX XXXX and they are still reporting on my credit. They have not removed them or blocked these fraudulent accounts which is violation of 15 USC 1681C ( 2 ) ( A )!!! I need these accounts removed immediately! Once a consumer filed a ftc report the XXXX  has 4 days to remove them!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XX/XX/XXXX Opened a care credit card to help with unexpected pet emergency. Was able to obtain {$2000.00} credit for this. 

Over time I made payments timely and eventually paid it down but never anticipated closing as I intend to use the card when unexpected medical/dental emergencies or prescription needs would come up. For which every time I used the card, I always paid any balance due off but keeping the account open. Last used was back in XXXX at XXXX XXXX XXXX office for homeopathic services. 

Skip to XXXX synchrony bank- creditor for Care Credit closes account without notification and causing adverse action to my consumer reports. They said they utilized credit analysis software to come to decision to close the account. When there was no balance and it was just kept open. They said that even when my score was fair.. my high debt was a contributing factor to close and not continue business. I do believe this is unfair practice especially since I have XXXX other credit cards with the same creditor paid and in good standing but yet those accounts are not in jeopardy of closing. Please help mediate and rectify the account either by helping to reopen it with the same amount for credit or demand them remove any Care Credit consumer reporting information and history from my consumer reports all together entirely. Its upsetting..bc in a time were I had good reporting with them, they decide to harm my scores even worse by closing the account dropping scores XXXX pts. 

Thank you for your help in this really unfair circumstance. 

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 2022-12-02 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Letter, dated XX/XX/2022, addresses Synchrony Bank to opt-out of sharing and reporting my information to non-affiliates. Synchrony is reporting transactional history to credit report agencies, when I have not provided written consent to share or report any 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 non-monetary relief
Consumer complaint received 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian has violated my consumer law rights my civil rights I have requested over 10 times for items to be properly investigated. They have refused to investigate these items and provide me with documentation and paperwork with their investigation details I have mailed attached to company certified and request that they complete a thorough investigation as requested in the letter attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: TX

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX credit report. My latest credit report shows two credit inquiry/inquiries that I did not authorize. I submitted the the request to Experian, with an attached FTC 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 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FCRA Violation personal information not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 77598 XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

FCRA Violation student loan payment never late
DEPT OF ED/XXXX

FCRA Violation auto loan payment never late
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02 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:
FCRA Violation personal information not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX  
FCRA Violation student loan payment never late
DEPT OF ED/XXXX

FCRA Violation auto loan payment never late
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I paid for goods/services online and was scammed. CashApp will not refund the money that was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Letter, dated XX/XX/2022, addresses Aidvantage to opt-out of sharing and reporting my information to non-affiliates. Aidvantage is reporting transactional history to credit report agencies, when I have not provided written consent to share or report any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: GA

Complaint narrative:
I have submitted multiple identity theft reports and letters to all 3 credit reporting agencies regarding two collections and a number of incorrect information reports on my credit profile. XXXX continues to report this unverified and fraudulent information. The collections were removed previously and re-added, again, without verification that the accounts belong to me. I have exercised my consumer rights in all letters regarding verification and reporting fraudulent information to all 3 agencies, but the consumer reporting agencies have been negligent and have continued to ignore me. 
All dates of letters are included in the files attached. I have also spoken with all 3 agencies verbally, multiple times. 
Neither company has provided me with any updates or information on how they might have verified anything. All have received identity theft reports dating back to 2018.

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 2022-12-02 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: ID Analytics, Inc.
State: TN

Complaint narrative:
On XX/XX/2022 XXXX XXXX used discriminatory practices against me by denying me extension of my own credit. XXXX XXXX  was informed via email that it's unlawful to deny someone extension of their credit and that the Equal Credit Opportunity Act prohibits discrimination in denying the original creditor known also known as the consumer their own credit. Employees of XXXX monetized by securitizing the the application. 

Pursuant to 15 usc 1691-scope of prohibition ( 3 ) it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicant 's income derives from any public assistance program ; or ( 3 ) because the applicants in good faith exercised any right under this chapter. 

XXXX did not provide the opt out disclosure for the original creditor/consumer not to have any information reported to the consumer reporting agencies who are Nonaffliated third party pursuant to 15 usc 6803 which violated Gramm-Leach-Bliley Act. 

Employees of XXXX refused to admit that the application did in fact generate profit which is extortion. Congress says that credit is the right granted, this means a denial is discriminating against the original creditor/consumer. Under the credit reporting act 15 usc 1681a definition section ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. Monetary fees are payments. The financial institution and the consumer reporting agencies are conspiring against any Man and/or Woman ( the creation of the Creator ) to extort that Man or Woman out of an extension of credit. 

XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX and Sage StreamXXXXXXXX XXXX XXXXXXXX gets paid to furnish information on the Original Creditor. When Financial Institutions pay to report information that constitutes a breach of fiduciary duty. This means that Congress is well aware that a system was built to access credit and found a way to trick you into paying them every month. There's no such thing as late payments and I have no contract with any of these consumer reporting agencies to furnish non public information on or about me which is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: TN

Complaint narrative:
On XX/XX/2022 XXXX XXXX used discriminatory practices against me by denying me extension of my own credit. XXXX XXXX was informed via email that it's unlawful to deny someone extension of their credit and that the Equal Credit Opportunity Act prohibits discrimination in denying the original creditor known also known as the consumer their own credit. Employees of XXXX monetized by securitizing the the application. 

Pursuant to 15 usc 1691-scope of prohibition ( 3 ) it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicant 's income derives from any public assistance program ; or ( 3 ) because the applicants in good faith exercised any right under this chapter. 

XXXX did not provide the opt out disclosure for the original creditor/consumer not to have any information reported to the consumer reporting agencies who are Nonaffliated third party pursuant to 15 usc 6803 which violated Gramm-Leach-Bliley Act. 

Employees of XXXX refused to admit that the application did in fact generate profit which is extortion. Congress says that credit is the right granted, this means a denial is discriminating against the original creditor/consumer. Under the credit reporting act 15 usc 1681a definition section ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. Monetary fees are payments. The financial institution and the consumer reporting agencies are conspiring against any Man and/or Woman ( the creation of the Creator ) to extort that Man or Woman out of an extension of credit. 

TransUnion, XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX gets paid to furnish information on the Original Creditor. When Financial Institutions pay to report information that constitutes a breach of fiduciary duty. This means that Congress is well aware that a system was built to access credit and found a way to trick you into paying them every month. There's no such thing as late payments and I have no contract with any of these consumer reporting agencies to furnish non public information on or about me which is identity theft.

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