vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Opened an account on or around XX/XX/XXXX with Synchrony Care Credit XXXX Credit Card Consumer Center ( XXXX ) due to an emergency with two of my dogs. I did not have funds and was in a situation where they would both die if they did not receive care. 

The XXXX XXXX advised me that this company could help me get funds. I was not aware or did not understand that there was a promotional period and how that would impact my balance later. They originally gave me a $ XXXX balance to assist with ER fees, then reduced it by XXXX approximately 6 months later, and when I inquired, they said a review was done on the account, and they decided to reduce it. This impacted my credit rating greatly as it increased my utilization ( I was making payments on time ). 

Then, today, XX/XX/XXXX, I showed another adverse impact on my credit, and it was due to yet another change on the Synchrony account. I went in and looked at the account, as I have it set on automated payments, and it showed me negative - {$970.00} for my balance due to an interest rate charged of {$1500.00}. I called again and spoke with XXXX, and she could not provide me with any details on my account. It was like talking with the XXXX, where they are protecting information on my own account I was verified to speak on. 

This appears to be an attempt to rob the public of funds and to negatively impact their credit. I was not under the impression I would be charged a bulk interest rate on my account, which would drive it into the negative. This was not made clear, and I need my account placed back into good standing, as my credit was impacted in a grave manner. 

In addition, it appears they are charging late fees when I have it on autopay as well. I have not idea what is happening on this account and feel helpless. 

I am reporting what I believe to be unlawful acts to several other entities. I appreciate your help. Thank you.

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 2024-07-20 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: NJ

Complaint narrative:
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( i ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-07-20 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( i ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The debt collection company XXXX XXXX sent a debt collection letter to an old address of mine. It was returned to sender as undeliverable, however I was able to see a scan of the front of the envelope via XXXX informed delivery service. I googled them and sent them a debt validation letter via certified mail and a means to contact me since I was homeless at the time. XXXX XXXX completely ignored my debt validation letter and filed a lawsuit without validating the debt or addressing my dispute. I am answering the lawsuit in XXXX XXXX civil court. I just wanted others to be aware that XXXX XXXX is blatantly violating the Fair Debt Collection Practices Act and that is a very solid defense.

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 2024-07-20 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC
State: ID

Complaint narrative:
I had a medical expense that I had been paying off, and I had paid way more than half of it. I had owed over XXXX, and had paid half a little over XXXX of it. I had been a few weeks late on XXXX of my payments, but was still paying it off and it would have been paid off before or in time with what XXXX XXXX wanted, when I went to make another payment on it when I could no longer find my account and it said that I owed nothing. I did not receive anything in the mail saying that it was going to collections. I was still actively making payments on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was robbed {$1500.00} from someone online, two XXXX XXXX transactions were made and never got my money back

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 2024-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
My card is being used and I am not the one using it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-20 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:
unfortunately, I am a victim of XXXX XXXX of XXXX bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
I have been in contact with them since XXXX. I applied for consolidation of all XXXX loans and XXXX were forgiven before the third was consolidated. So now they are saying I have XXXX payments left but XXXX payments that qualify once my one time adjustment is calculated. Since then they had me recertify my income which did not have to be completed until XXXX of XXXX. Thus almost doubled my payment. That was supposed to be fixed months ago and I have been placed in forbearance twice ( so far ) and still no change in payment amount ( should be reverted to {$590.00} ), no one time adjustment and no response. They want me to begin repayment in three weeks. I contacted them in writing again on XX/XX/XXXX and no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
I have been begging robinhood to release whatever security lock they randomly placed on my account. They have ALL my money, including XXXX funds, savings, and my emergency funds. I have had nothing left for almost XXXX weeks. I have tried calling all the phone numbers imaginable, but they all lead to an automated voice that says to request a callback from the app and hangs up immediately with no way of reaching an agent. On the app, there has been no button anywhere to request a callback. Ok desktop, I saw a prompt to call in at the top of my screen, but upon inspecting it, it did absolutely nothing. When talking to the chat bot, I could sometimes force it to show a request callback prompt, but it was *ALWAYS* grayed out. When I finally got a person in the chat, or at least what I think is a person, they would always paste back the same give me a moment to review your account. Followed by a the only way we can resolve this issue is over the phone please request a callback by following these instructions that led me to the same instructions that clearly showed no way of requesting any call. Eventually, I saw another pop-up saying take action on your account. I assumed that clicking it would take me to a form I could submit to verify my identity with documentation or something, but it just glitched out and said request sent. 


This allowed me to receive an email from another agent, who just gave me the same darn instructions over and over again. I did this about XXXX times until I got someone to reply to my emails. He said, I understand the app isnt working, use this link to upload your ID. I uploaded my ID and selfie, and then heard nothing for about a week. I spammed the emails again, and the agents said request a call back to unlock your account. After begging them over email many times, one of them finally replied saying, oh, you can just call this specific number, and give them our case ID to the computer. I thought I was saved! But no, sadly Robinhood had other plans. I tried calling that number on different days of the week and hours of the day, for an entire week. I received multiple different case IDs to try and call with but EVERY SINGLE TIME : That case number could not be verified Please request a callback on the app And then it immediately hangs up! 

This can not be real, there is literally no way for a customer to reach someone about a security lock. I feel really cared about not being able to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX and TransUnion are reporting negative information on my report without providing the process in which the debt was validate pursuant to section 609 of the FCRA the are telling me to get the information from they creditor if they havent been supplied with this information to validate the debt they can not legally report it on my credit

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 2024-07-20 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: IN

Complaint narrative:
XXXX equifax and XXXX are reporting negative information on my report without providing the process in which the debt was validate pursuant to section 609 of the FCRA the are telling me to get the information from they creditor if they havent been supplied with this information to validate the debt they can not legally report it on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: NCB Management Services Inc.
State: ME

Complaint narrative:
I have filed disputes to XXXX concerning incorrect personal information. I called in to follow up on my disputes requesting incorrect addresses posted under personal information. XXXX stated that they were not able to delete theses incorrect addresses because they were associated with XXXX negative accounts from XXXX XXXX and NCB Management Services. I contacted these to companies to submit disputes on these accounts via certified mail and did not receive responses after 30 days. 

On XX/XX/year> I called XXXX to have them dispute these accounts. They were unable to verify the accounts because they did not have my birth day on file and they were not provided by any of my accounts. I submitted my ID, birthday, XXXX, address, phone number, and employer via certified mail which they received on XX/XX/year>. XXXX has not removed these harmful accounts from my report. XXXX has also denied me access to my credit report through there XXXX XXXX because my birthday is not on file despite having received it. 

I am confused on the direction I should pursue to resolve this issue. Please investigate how XXXX can report negative information on my credit report without the ability to confirm my identity. Thank you for your efforts in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: Westlake Services, LLC
State: VA

Complaint narrative:
On XX/XX/year>, I mailed Westlake a certified letter, receipt number XXXX XXXX XXXX XXXX XXXX XXXX, and they completely ignored me. On XX/XX/year> I mailed another certified letter requesting the documentations, they ignored me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I attempted to get them to dispute the matters and they left it verified when I never gave any consent to give out my information or put anything on my credit

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 2024-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I called the collection agency and told them that the debt I seen on my credit report was not mine and that it was obviously identity theft I had no knowledge of the debt I asked them to investigate and I asked them to remove it from my credit report they've been sent me a letter in response saying that I needed to provide all kinds of information and paperwork that I did not have, so I filed a dispute with the credit reports and it's still on there and I needed to be removed I have no knowledge of this that or several other things on my credit reports I believe my identity has been compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: Incomm Holdings Inc.
State: CA

Complaint narrative:
I bought the vanilla gift card ( nominal value XXXX dollars, XXXX dollars fee ) this XXXX. And then when I Planned to use the card to pay for the bill or buy something, the transactions were refused. I tried the card at several different merchants, but it did not work. 

I had no option but called the vanilla gift card ( Incomm financial services ) to request a card replacement, but they just wasted my time and refused to supply helps. After XXXX months ' phone calls, I requested the check refund, and they agreed to delivery the check on the day of XX/XX/year> ( case XXXX ). And I just thought I can get my money back soon, I get disappointed again. Till today, I still do not receive my check refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: AL

Complaint narrative:
n 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.

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 States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions 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 2024-07-20 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau the documents needed are the picture ID, a bill and letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the list of acceptable items which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with non-monetary relief