vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Good afternoon, I would like to submit a complaint for the following companies. 
Due to this situation my record with the XXXX XXXX has been affected and I have been rejected when applying for a credit card and I am concerned this will affect me in the near future. 
I am a consumer that pays a home mortgage, car loan, and all my credit cards on time. 

*Synchrony master card : my account was closed due to few late fees. 
Most of the late fees was due to an issue with Synchrony master card rejecting my payment. 
For example, my due date was every XXXX of each month, on XX/XX/, I summited my on-time payment and got rejected. I was not notified about this until a month later by mail. Incidents like this one happened few times where my payment was submitted on time with the bank account ( XXXX XXXX ), I use all the time and I was not notified about the payments being rejected until a month later on the mail. I called on XXXX about this situation and I was not given any type of explanation or help. I was told the system takes time to update that is way I was informed about this weeks later. I also contacted XXXX XXXX  in regards of the payments that were rejected, and I was told they do not have a record of any of this. I use this account all the time to pay my bills and had no issues. 
They also had the wrong address on file due to their error. That is the reason why i was not receiving my mail. 
I was not giving a warning or a notification that the account was closed until few weeks later when I received a letter on the mail. 
Unfortunately, I do not have the dates for the other incidents since they are no visible on the website or any letters that was sent since I misplaced them. 

**XXXX credit card : On XXXX XXXX someone submitted a payment of {$4.00}. XXXX I contacted the company in regards of the payment that was made to my account in error. I also tried to submit a payment and I was informed that no payment was due at that time. I was not given any other information. 
Few weeks later they closed my account because of my late payment and because I exceed my balance. This affected my credit score. I contacted them and they were able to resolve the issue since there was an error on their end and they reopened my account. However, this situation provided a negative impact to my report. 

***Gap  credit card : my account was closed due to late fees in XXXX 
I had the same situation my payment was rejected, and I was not being notified until few weeks later. Unfortunately, I do not have access to the website and can not provide any details.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: AR

Complaint narrative:
I had a debt with XXXX XXXX for cable a few years ago. All of a sudden, a Amsher collections services, was saying, I owe them. I never gave them my personal information or signed anything with their company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/XXXX, I went to the Navy Federal ATM located at XXXXXXXX XXXX  XXXX XXXX, XXXX to deposited an amount of {$980.00}. After accepting the cash, the ATM tried to open and close about 3-4 times, each time trying to spit a {$20.00} dollar bill which comes out half way and goes back into the ATM. I stood there watching what was going on with the ATM until it closed finally. During all this clicking sound an amount of {$980.00} was shown on the screen for a brief second as having deposited. After standing idle and watching the abnormal functioning of the ATM close to ~30-45 seconds, the ATM closed finally and a receipt came out showing a XXXX Amount Deposited ( See receipt attached ). Without moving away from the ATM machine, I called NAVY federal office to report the incident and I was assured of an investigation within 10 days. 

On Tuesday XX/XX/XXXX, I called NAVY federal to check on the status of my claim only to be told that the said claim was denied ( See Denial letter attached ). I called to speak with two different managers but each of them did not provide any help but reechoed the decision of their investigation. I was told to expect a contact from a Branch manager that evening on XX/XX/XXXX but I'm yet to be contacted. 

Please I would like your office to assist in resolving this matter as there are multiple ways to substantiate the authenticity of my claim and not just by the physical cash in their ATM on that day. 

Thanks for your cooperation. 

XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. 
XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX of inquiry XX/XX/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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was turned down for renting a home because of an incomplete background check. I was charged with XXXX XXXXt but was acquitted on all charges. The background check did not report I was acquitted. After disputing it with Transunion they still did not completely correct my background check 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 2023-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX, TransUnion, and XXXX agencies are not in compliance with the Fair Credit Reporting Act 15 U.S. Code 1681s2 What is 15 U.S.C. 1681 a 2 state regulations?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

XXXX, Closed Account that has been furnishing false and misleading information to XXXX, TransUnion, and XXXX is False and inaccurate have disputed this account 3 times with each of these reporting agencies I have sent letters to all 3 Agencies with documents in this matter and this account need to be removed from my consumer reports immediately for inaccuracy of reporting and also reporting pass the statue of limitations this is hurting my credit score a complaint with the Attorney General Office documents will be 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 2023-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: PLAC Guarantee
State: OH

Complaint narrative:
On Tuesday XX/XX/28 I applied for a loan on XXXX They asked for a {$9.00} fee to verify identity and I had to send a picture of my drivers license. Today I get an email to contact https : XXXX and I have to pay a {$75.00} referral fee to be referred to a lender for a guaranteed loan. After this email I checked the XXXX website and the complaints are crazy, stating that they paid the referral fee and still did not get approved for a loan. I didn't think that loan companies were allowed to charges any kind of fees before receiving a loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
I've followed up with a summon for credit card debt that i received by calling XXXX XXXX aka XXXX XXXX XXXX and i was told on the phone to hold that my call will be forwarded to Kohn Law firm and will be speaking to an attorney at the firm. I hold the line and the person who answered the phone did not give his name and spoke to me as he was an attorney and asked me all kinds of questions that i was not comfortable to answer. He started to ask questions like aren't you working for this employer giving my current employer name on the phone, how much salary i was making and accused me as liar. He has shouted as he was fighting with vulgar language. Today, at work, i received a call from same person and i asked his name and this time he has confirmed that he was the same person i spoke with yesterday XX/XX/2023. Employee at Kohn law firm XXXX XXXX was falsely claiming that he was an attorney and spoke to me with same manner and threats that i have a loosing case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. 
XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX auto finance, is violating my rights by changing remarks, amounts owed, balance manipulation, each month they are changing statuses, ultimately making newer derogatory remarks, as of XX/XX/2022 they are reporting a new charge off, this was charged off 3 years ago, and account is XXXX XXXX XXXX, now they are reporting a balance of {$1.00} to XXXX. This is moving my score up an down negatively, please remove this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cawley & Bergmann, LLP
State: CA

Complaint narrative:
Cawley and Bergmann have sent me letters claiming I owe a debt but Ive asked them numerous times to verify that I owe them this so called debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
18 usc 8 obligation or other security of the united states. 
42 usc 408 penalties 15 usc 1602 definitions and rules of constrution 31 usc 5118 gold clauses and consent to sue 12 usc 1431 powers and duties of banks ucc 3-104 negotiable instrument HRJ 192 15 usc 16930-1 remittance transfers These are just a few of the many laws being violated by Freedom mortage. as a private consumer I have rights protected by the uniform commerical code. my wet ink signature created a consumer credit transaction, which paid the debt in full. freedom mortage sent deceptive communications pretending i owe a debt that does not exist every month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$82.00} XXXX XXXXXXXX {$30.00} XXXX XXXX XXXX XXXX XX/XX/XXXX 2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I was sent an email at XXXX about having an existing XXXX XXXX XXXX card. I have ZERO knowledge or have owned one of these cards. this is fraud and not acceptable at all this email was sent at XXXX XXXX from XXXX on XX/XX/2023 i wan na know HOW someone opened a card in my name and HOW you let this happen

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation
State: PA

Complaint narrative:
On Thursday XX/XX/XXXX. My debit card was stolen I disputed this with the bank immediately and today XXXX first they tell me they conducted a thorough investigation and will not credit me my money back. The name of this bank is called Albert ( With XXXXXXXX XXXX ) They wont give me a number to contact them directly and its either through phone or email.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
National Credit Systems , INC is operating with out a state license and not registration in South Carolina according to the XXXX consumer access report. They have added two collections on XXXX and XXXX and I would like them removed for this illegal tactic they're doing. How many others are subjected to this and don't know. They are only licensed for 13 states. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I was notified and confirmed my personal credit information was involved in Equifax data breach of XXXX. Upon review of my credit report, the following inquiries were discovered and not made by me. This is my second submission of FTC complaint and Equifax has taken no action to remove these inquiries from my credit report in violation of FCRA. I am submitting another complaint. 

These are fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: GA

Complaint narrative:
In 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. 

XXXX XXXX XXXX XXXX  XXXX has violated my rights. Has violated my ri

ghts. 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 2023-03-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In 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. 

XXXX XXXX XXXX XXXX  XXXX has violated my rights. 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Placed wire at Ally Bank for $ XXXX at XXXXXXXX XXXX on XXXX/XXXX/23 for a same-day transfer on acct XXXX. Per Ally 's posed Delivery Time schedule, where the wire is being initiated, the wire was due to be reviewed by XXXX XXXX XXXX and sent by XXXX XXXX XXXX. Ally failed to meet their posted delivery schedule and as result, I've incurred a late fee of 10 % which Ally needs to pay. In talking to Ally today, XXXX they can't provide a timeline for the wire transfer. I am seeking payment for the late fee of {$3300.00} because Ally delayed the transfer and didn't meet their posted timelines.

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 monetary relief