vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I paid my balance of {$2200.00} in full and it was deducted from my bank account on XX/XX/2024. Now XX/XX/2024 my credit card balance is {$230.00}. The account shows that a payment of {$2200.00} was posted on XX/XX/2024. My credit limit is {$2500.00}. But, it shows- {$4.00} available to spend. 

I contacted Synchrony bank by phone and they claimed that I couldn't use the card until XX/XX/2024.

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 2024-01-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
As said, I was set up on a XXXX month payment plan. Initial person was great, my bank card expired XXXX months in so I called back to speak with XXXX who set it up. Called back in a timely fashion the first week of XXXX to give the new bank card information, she was not available. So spoke with someone else at that office and went through the XXXX minute process and verified everything after doing a phone signature and was told its all set up. Now they are harassing me calling from XXXX different area codes across the US. I'm in the hospital and finally spoke to someone and was told the payment 's are invalid and I need to pay now to keep the account current. If I went through that process and everything was verified why 'Invalid ' I'm now in contact with 'Legal Aide '

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: TX

Complaint narrative:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my XXXX XXXX family as well.

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 2024-01-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my XXXX XXXX family as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I ordered a game from XXXX XXXX XXXX for {$48.00} on XX/XX/XXXX XXXX I received an email receipt # XXXX from XXXX XXXX XXXX. 
XX/XX/XXXX XXXX  I received email stating my order has been shipped. I was provided with a tracking Number XXXX, as well as a web site to track the order and view details. XXXX XXXX XXXX, when i try to log in to track it XXXX cant get in So I tried to email the support email address XXXX, and I get a message back that " Address not found and wasn't delivered '' there is no phone number on either the email i received for the receipt, or the email I received that said my order was shipped on XX/XX/XXXX XXXX 

Can this be looked into? I just at this point want my money if they are not going to send the merchandise. I have the record that the money was withdrawn from my bank account on XXXXXXXX XXXX from USAA bank. I have not notified them yet and don't which way to go on this matter. Please advise as soon as you have an opportunity. I can provide documents if you need them just let me know... XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am writing to address the serious concerns I have regarding the debt collection activities associated with Account Number XXXX. It has come to my attention that your agency may be in violation of various laws and regulations, as detailed below : 1. **Fair Debt Collection Practices Act ( FDCPA ) Violation : ** - Your agency has failed to adhere to the FDCPA ( 15 U.S.C . 1692g ), which mandates providing written validation of the debt within five days of initial communication. This omission raises significant doubts about the validity and legality of the debt in question. 

2. **Fair Credit Reporting Act ( FCRA ) Violation : ** - Your agency appears to have accessed my credit report without my explicit consent, a direct violation of the FCRA ( 15 U.S.C . 1681b ). This is not only a breach of federal law but also a violation of my privacy rights.

3. **Georgia Law Violation Lack of Explicit Consent : ** - Georgia law explicitly requires that debt collectors obtain explicit consumer consent before accessing consumer reports or disclosing non-public personal information. Your agency 's failure to secure such consent is a clear breach of state law.

4. **Unauthorized Addition of Items to Credit Report : ** - The unauthorized addition of items to my credit report without proper validation and consumer consent further violates federal and state regulations, undermining the accuracy and integrity of my credit history.

Furthermore, it is crucial to emphasize the emotional distress caused by these violations : The unauthorized use of my private information and coercive tactics have left me feeling scared, nervous, and unsafe. This emotional distress is a direct result of your agency 's actions, compounding the urgency for resolution.

I demand immediate corrective action, including providing written validation of the debt within 30 days and confirming my explicit consent for your agency to access my consumer report and non-public personal information. Failure to comply will leave me with no choice but to pursue legal remedies available under state and federal laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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:
XXXX XXXX XXXX {$690.00} XX/XX/XXXXXXXX XXXX {$680.00} XX/XX/XXXX THESE NOT MY ACCOUNT I HAVE NO KNOWLEDGE OF THESE ACCOUNT NOR DID I AUTHORIZE ANYONE TO OPEN THESE ACCOUNT IN MY NAME. THESE CREDITORS ARE VIOLATED SO MANY OF MY RIGHTS AND I WILL LIKE THESES ITEMS REMOVED OR I WILL HAVE TO SUE THESE COMPANIES FOR EXPOSING MY PERSONAL INFORMATION. I NEVER SIGNED ANY CONTRACT WITH THIS COMPANY. PLEASE PROVIDE ME WITH A CONTRACT WITH MY WET SIGNATURE.

In accordance with the Fair Credit Reporting dct.

The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX AND XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an accordance with the written my instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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:
XXXX XXXX XXXX {$690.00} XX/XX/XXXXXXXX XXXX {$680.00} XX/XX/XXXX THESE NOT MY ACCOUNT I HAVE NO KNOWLEDGE OF THESE ACCOUNT NOR DID I AUTHORIZE ANYONE TO OPEN THESE ACCOUNT IN MY NAME. THESE CREDITORS ARE VIOLATED SO MANY OF MY RIGHTS AND I WILL LIKE THESES ITEMS REMOVED OR I WILL HAVE TO SUE THESE COMPANIES FOR EXPOSING MY PERSONAL INFORMATION. I NEVER SIGNED ANY CONTRACT WITH THIS COMPANY. PLEASE PROVIDE ME WITH A CONTRACT WITH MY WET SIGNATURE.

In accordance with the Fair Credit Reporting dct.

The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  AND XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an accordance with the written my 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 2024-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
We sent an additional {$4100.00} in payments since XX/XX/29 and our trying to figure out a way to work out this balance since we believed we were already doing that. We sent two payments on XX/XX/29 for {$2100.00} and {$1000.00} we also sent an additional {$1000.00} on XXXX. We want to stay in our home we have never stopped paying and have been trying to get caught up. the papers they say they previously sent i did not receive. I have contacted loss mitigation by phone and email. We had a person contact us with his extension and that is who we have called and emailed. We have not gotten a 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 2024-01-05 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: EdFinancial Services
State: OH

Complaint narrative:
All three of my student loans are with EdFinancial. 

In XXXX or XXXX of 2023 I applied for the XXXX repayment plan because it is the best plan for me based on my current income. When I calculated my loan payment twice before applying for XXXX and again when I did finalize applying for XXXX, my monthly payments came out to $ XXXX every time. So I knew that my payments, once they restarted in XX/XX/2023, should be about or a bit less than {$200.00}. My income has not changed enough in the past XXXX months to affect my XXXX payment. So there is no reason my XXXX monthly payments should change. 

When my payments restarted in XX/XX/2023, each payment on each individual loan amounted to more than my TOTAL calculated XXXX monthly payment. In XXXX, my payment was again several XXXX dollars above the XXXX payment. Only at the beginning of XXXX did my monthly payment finally correct to XXXX and lower to the correct amount. 

Because I didn't pay XXXX, XXXX, nor XXXX 's payments because they were all incorrect, interest has now accrued on totals that I would have lowered had EdFinancial promptly applied my XXXX application to my EdFinancial account and loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I opened a secured card with sun coast credit union to boost my credit with my own funds and I took an effect from covid and caused me to exhaust my funds. I asked for a statement of what is owed or what is reporting on my credit each month they then provided me the debt collectors number. The amount I loaded on to the secured credit card was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
Oportun Inc say I owe them {$550.00} and I never recall even signing ups for them been trying to dispute this matter for almost a year now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: WA

Complaint narrative:
I have taken the necessary steps to address the inaccuracies on my credit report by instructing XXXX, XXXX, and Equifax to reinvestigate specific accounts that have raised concerns due to their inaccuracies and errors. The accounts I've requested reinvestigation for are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Despite these concerns, all three credit reporting agencies have asserted that everything is complete and accurate, even though clear inaccuracies persist. This response is in direct violation of the mandate outlined in 15 U.S.C. 1681i ( 5 ), which obligates these agencies to remove or modify accounts that are not reporting correctly.

Furthermore, it is crucial to emphasize the importance of 15 U.S.C. 1681s-2 ( A ) ( 1 ), which explicitly prohibits the furnishing of inaccurate consumer information to any consumer reporting agency. It is evident that these agencies have not complied with this critical provision. 
I possess compelling evidence supporting my claims of credit reporting violations and, as a result, have submitted this formal complaint to the Consumer Financial Protection Bureau. My primary objective is to secure a resolution that ensures the accurate reporting of my credit information, in alignment with federal laws and guidelines, while holding the credit reporting agencies accountable for their non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
In XXXX, on XX/XX/XXXX, and on XX/XX/XXXX, my account was charged between $ XXXX in fraudulent transactions from an unauthorized purchase at XXXX. 

Each time I contacted my bank, North Carolina State Employees Credit Union ( www.ncsecu.org, XXXX, Routing Number : XXXX ) to report the fraud, sign a fraud affidavit and place a stop payment on the merchant. 

XXXX continues to allow this fraud to take place a total of XXXX times now! On XX/XX/XXXX, I contacted them asking why my funds were still removed from my account as they allowed this fraudulent transaction to go through a third time. After being on the phone for XXXX minutes, I was told that the fraud department had no way of blocking a specific merchant as other national banks are able to do. They have to " allow '' the fraud to go through, debiting my account each time for a period of 10 days while the fraud is being investigated. 

On XX/XX/XXXX, I contacted the XXXX to find out why my funds are still not in my account after signing the fraud affidavit on XX/XX/XXXX. I was told by the call center representative that there was no record of my fraud affidavit even though there was a record of closing the debit card due to fraud. They then submitted a new report on XX/XX/XXXX, starting the 10 day hold period again! 

On XX/XX/XXXX ( XXXX minute call ), I spoke to a Call Center Supervisor, XXXX, who contacted a Fraud Manager to prioritize the XX/XX/XXXX fraud report given the history and multiple affidavits filed. When asked why the fraud affidavit was not processed when it was received on XX/XX/XXXX, she had no answer and had to investigate why the call center representative who processed the card change form dropped the ball and did NOT properly process the fraud claim. 

In addition, when a new card is issued due to fraud, the call center representative stated, " all the old stop payments and blocks are automatically removed. '' This allows new fraudulent transactions on the newly issued card!! 

This continued negligence on the part of a financial institution has caused me financial harm and they do nothing to protect customers from " known '' fraudulent transactions. After being a customer for over XXXX years, I have NO confidence that XXXX XXXX protect my financial assets going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My VA just bill the check was sent as direct deposit and shouldve been made available on XX/XX/XXXX. My deposit was not made available because just before that my account was compromised and some fraud committed on my account. VA XXXX check is the only income I can receive according to the VA I am XXXX XXXX XXXX XXXX, so they are holding the funds. I have it will not let me access them before the deposit was sent they told me the fraud caused the account to be locked which she did, and then the deposit would be returned back to sender, which was not they kept the deposit in my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: WI

Complaint narrative:
I sent mulipty dispute letters and this company is not following your rules. I want a full investigation on the following : XXXX XXXX XXXX {$850.00} and XXXX {$0.00} I am concerned about the validity and accuracy of their recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOUTHSTATE BANK CORPORATION
State: GA

Complaint narrative:
On or around XX/XX/XXXX  I received an adverse claim/ letter of denial from SouthState Bank denying me an extension of my credit for {$100000.00} which is a prohibited act constituting discrimination according to15 USC 1691 and 12 CFR 1002.7 a creditor shall not refuse to extend credit. And according to 15 USC 1611- Criminal liability for willful and knowing violation ( 1 ) Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 

And According to 12 CFR 1002.16 ( b ) ( 1 ) Any creditor that fails to comply with the requirements is liable for punitive damages up to {$10000.00} for individuals. 

I then proceeded and mailed a Notice of Federal Violations to the CFO. 
Application Loan Number # XXXX See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
PLEASE I'M BEGGING YOU TO REMOVE THE INTERNAL LOCK TO MY CREDIT REPORT BECAUSE OF THAT I CAN'T ACCESS MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: NC

Complaint narrative:
In XXXX my information was compromised through my tax preparer and her relocation period. I was informed that files including copies of my driver 's license and social security card were misplaced/stolen. She advised that authorities had been contacted and that I should monitor my credit report. I also called the CRA ( XXXX, TransUnion, and XXXX ) and alerted them of the incident. I recently pulled a copy of my credit report and noticed XXXX XXXX XXXX XXXX accounts being furnished to my account that I have no affiliation with or knowledge of. I contacted Transunion in XX/XX/XXXX and XX/XX/XXXX to resolve this issue and have not been given any update. 
Furnishing this information without my written consent/permission is in violation of 15 USC 1681B . And also furnishing accounts in direct relation to identity theft further violates the FCRA specifically 15 USC 1681 C-2. I also noticed addresses and credit inquiries that I am not familiar with. Credit inquiries from XXXXXXXX XXXX  and XXXX I did NOT authorize. 
This fraudulent information being furnished to my credit profile is having a negative impact on my credit. I've attempted two times to resolve this matter and Transunion is not doing their due diligence.

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