vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Hi, I have a card through Synchrony Bank for Lowe 's Department store. I had a payment due on XX/XX/2024. At some point they changed their minimum due from {$35.00} to {$41.00}. This was not clearly communicated to me. I paid the {$35.00} then was charged a late fee of {$41.00} because my payment was {$6.00} short. I contacted customer service and after being transferred to a manager they removed the fee. However, the reason I'm alerting you to this is because during the course of the conversation I informed them that excessive late fees have been reduced to a maximum of {$8.00}. They told me that they believe they have " time to implement this change. '' According to the rule passed that is false, the time to implement it has past.

They should under no circumstances on XX/XX/2024, be charging a {$41.00} late fee because a payment was {$6.00} short. If they did it to me, they're doing it to others, and they're intentionally violating the new rule as they claim they are aware of it but do not believe they need to follow it just yet. I wanted to bring this to your attention as it could be a wider scale problem for other customers and they should be held accountable for violating the rule.

Thanks very much for taking the time to read this.

Sincerely, -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 2024-06-18 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: GA

Complaint narrative:
I did not give written consent for EXPERIAN, XXXX, or XXXX to furnish my information out to these 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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit is important to me. I have a genuine concern regarding the inaccurate information on my credit report. These inaccuracies are creating constant stress whenever I can not get approved for new 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 2024-06-18 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This is the follow up from XXXX. 

There was a {$200.00} charge card with American Express I was unable to use at any large American ecommerce retailer - XXXX, XXXX, XXXX, XXXX, etc. due to " security measures ''. 

They refunded me {$130.00}, and did not reply to my inquiry as to why they deducted {$66.00} due to their faulty product not being usable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with DEPT OF EDXXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


DEPT OF EDXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-06-18 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: TN

Complaint narrative:
I recently reviewed a copy of my credit report, I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I have been in the process of securing a stable home for me and my family. Please remove the fraudulent accounts from my credit report as soon as possible. 

You have deleted XXXX XXXX XXXX Acct # XXXX ( collection ) due to identity theft, but it is still showing as a " closed account ''. Per the FCRA & the FDCPA- you are demanded to remove ANY closed accounts that were once a collection, but removed due to the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: MO

Complaint narrative:
In accordance with the fair credit report and act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality. 

XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Account Resolution XXXX Account # XXXX, These companies has violated my rights. 

15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 602 it also states a consumer reporting agency can not furnish an 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 dates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any reporting agency if the person knows or has reasonable calls to believe that the information is in accurate.

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 2024-06-18 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: MO

Complaint narrative:
In accordance with the fair credit report and act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality. 

XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Account Resolution XXXX Account # XXXX, These companies has violated my rights. 

15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 602 it also states a consumer reporting agency can not furnish an 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 dates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any reporting agency if the person knows or has reasonable calls to believe that the information is in accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have had nothing but problems with the collection agency named Pro Collect. They havent provided me with the correct information to address the collection on my credit i have requested all of this in a span of 6 months and never received it, Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
If they cant provide with all of this information that they so call have, then they cant legally collect on the so called debt of {$2700.00} owed. Thats not the original balance either. XXXX says that the {$2700.00} is past due. The account is closed. A closed collection account should never be reporting with a past due balance. Thats a violation. This account doesnt meet FCRA REGULATIONS AND REQUIREMENTS. This collection agency has failed to report this account accurately experian shows the account reporting inaccurate from XXXX it wasnt reporting on XXXX of XXXX. Thats a violation it was reporting XX/XX/XXXX up until XX/XX/XXXX. Starting XX/XX/XXXX it stopped reporting accurately thats a violation. It reported XX/XX/XXXX and it didnt report XXXX XXXX. Shouldnt all collections be reporting accurate information and if they cant they need to delete the account? Please modify all three credit bureaus with accurate information or DELETE THE ACCOUNT AS PER REQUESTED. This is illegal.

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 2024-06-18 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: NY

Complaint narrative:
Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: NC

Complaint narrative:
I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY! 


Ive submitted proof of Identification card, Social Security card proof of address and FTC These Fraudulent ACCOUNTS Should not be furnished on my consumer report as they are in VIOLATION!!! OF MY CONSUMER RIGHTS. BY 15 U.S Code 1681b, U.S CODE1666 ( B ) 15 U.S. Code $ 1681c-2

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 2024-06-18 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: NC

Complaint narrative:
I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY! 


Ive submitted proof of Identification card, Social Security card proof of address and FTC These Fraudulent ACCOUNTS Should not be furnished on my consumer report as they are in VIOLATION!!! OF MY CONSUMER RIGHTS. BY 15 U.S Code 1681b, U.S CODE1666 ( B ) 15 U.S. Code $ 1681c-2

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 2024-06-18 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: MO

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and a responsibility to report Consumer information to the best of their ability with Maximum Accuracy I have never been late on payments for the account. ( XXXX XXXX acct # XXXX XXXX XXXX XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to ON TIME as they should be as I was NEVER Late. Thanks.

15 U.S. Code 1681e ( b ) states 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.

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Edge Home Finance, LLC
State: TX

Complaint narrative:
On my credit reports it is listing inquiries that I did not authorize. In the month of XX/XX/2023 it was a total of XXXX inquiries from mortgage companies. I tried reaching out to XXXX to get information from the inquiries as well, and they told me they can not assist me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Premier Mortgage Resources, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I contacted Premier Mortgage Resources regarding 3 withdraws they withdrew from my checking account in the month of XXXX for our mortgage payment. Our mortgage is setup for two monthly withdraws to make the payment and in order to be a part of their bi-monthly payment program, we had to pay one month 's payment in advance. The three withdraws taken from our account by
Premier Mortgage were on XX/XX/XXXX {$1100.00}, XX/XX/XXXX {$1100.00}, and again on XX/XX/XXXX {$1100.00}. 

I spoke with XXXX and she wanted to know what the reason was that I needed them to refund us back our money. She also stated I had to upload my bank statements after she could already see the three withdraws were made on her end. She told me I needed to call the company back after they received documentation, it would be reviewed and could take 10-12 business days for a check to be MAILED for a refund. I work hard for my money and the economy is awful. I can't afford any extra payments then what is due for my monthly mortgage. Sending the company proof after they can clearly see it on their end is just a delay in holding onto my money that I need returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have been contacting Navient for over XXXX week to obtain a School Misconduct Discharge Application. I have requested an application by both mail and e-mail, Navient has refused to send me the application by stating their 'systems are down and can not access the application. ' I sent Navient an email to request an application, however they said it would take XXXX hours to receive the application. I have not received the application since Navient 's correspondence. The application that I am requesting is similar to the Borrowers Defense Application for Federal Student Loans. My current student loan status is delinquent and instead of Navient helping me find a solution by discharging my student loans, they only inquire about payment. Please help me obtain the School Misconduct Discharge Application from Navient, as they are the only ones who can send it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit is important to me. I have a genuine concern regarding the inaccurate information on my credit report. These inaccuracies are creating constant stress whenever I can not get approved for new 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 non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
XXXX an improperly trained customer care representative, XXXX, gave me incorrect information. XXXX stated that the {$220.00} was a charge to my account not a refund/credit to my balance. 

I was expecting a {$220.00} credit/refund from XXXX. However, XXXX was adamant that the {$220.00} was a charge. 

I asked this person, XXXX, to transfer me to a supervisor and I asked him to explain to his superior that I was saying that the {$220.00} was a credit and that he, XXXX, was stating to me that this was definitely a charge. 

The corporate office has been notified of this incident. 

The email went to staff at the Office of the President on XXXX and there has been no response. 

The supervisor was not sure what the problem was with this representative who was so rude and stated that the {$220.00} was a charge not a credit. 

This employee did not listen to me the customer and would not investigate his error. 
I had to request a supervisor. 

The supervisor named XXXX saw that the {$220.00} was a refund not a charge. 
XXXX promised to credit my account {$100.00} for the inconvenience but I do not see the credit of {$100.00} on my account and now the system is down. 

Barclays system has been down several times recently. Each time it last at least 10 hours.

It is very difficult to secure accurate service regarding my account balance.and to receive my credits. I should not have a balance of {$100.00}.

I have asked Barclays upper management to review the call, the mistake made, and the promise of {$100.00} credit to have been applied to my account by XXXX. 

Barclays is not providing responsible customer service as the system is always down or the staff are making serious mistakes. The statement credit of {$100.00} promised by the supervisor, XXXX, on XX/XX/year> was never given.

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, XXXX and TransUnion will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX The Date Opened for this account on Transunion is XX/XX/year>. The Date Opened for this account on XXXX and XXXX is XX/XX/year>. This is inaccurate history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. 

Transunion, XXXX and XXXX failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account Number : XXXX Account Name : XXXX XXXX Account Number : 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