vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Bank is cheating customers. I agreed to an 18-month interest free credit card with the first payment due on XX/XX/XXXX. XXXX would be my final interest free payment. 
At XXXX XXXX  on Saturday XX/XX/XXXX I received an email stating I owed {$5200.00} of interest! It was not disclosed to me that the interest from day one would be applied on the total balance NOT the balance due. 

I intended to pay my balance of {$2400.00} on XX/XX/XXXX. I could not get into my account. On Saturday XX/XX/XXXX I could still not get into the account. I tried changing the password and the software kept indicating that they could not find my user-name. I telephoned and was able to make a payment of {$2500.00} and verfiy that I had the correct user name. The following day the morning XX/XX/XXXX I had no problem logging into the account. The user-name and password worked just fine on my first attempt. I have a screenshot of the software not permitting me into the account. 

They intentionally blocked me from making the payment so they could collect {$5200.00} of interest. The fact that I would owe interest on the full amount originally charged was never disclosed to me. The salesman repeatedly said it was interest free for 18 months. The most a consumer would expect is interest on their balance due. 

Synchrony Bank has closed my account and ignored me otherwise. They send automated bills for the interest due. I sent them a letter on XX/XX/XXXX. 

Please investigate Synchrony Bank Promotional Programs. This was deceitful, misleading and malicious. Their attempt to block me from paying is unconceivable.

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
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached an FTC report with a fraudulent account and fraudulent inquiries

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 2023-05-18 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: Lockhart, Morris & Montgomery Inc.
State: VA

Complaint narrative:
On XXXX Lockhart , Morris & Montgomery illegally obtained and placed my account in a collection status. I required this company to validate a debt and they failed to comply within a legal time period. Furthermore they are attempting to validate disputes filed as accurate without legal right. Company has obtained a similar Social Security number, that is not mine as well. The social security number on the companies redacted file is not mine! The company has not answered any of the requested validation request as outlined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Account # XXXX Hello, my chase checking account was closed XX/XX/XXXX. Early XXXX, I found out I was a victim of identity theft in which my information was used to file for unemployment. Two of the direct deposits ended up going to the closed chase account. One of the payments was returned back to unemployment, the second payment was applied to a charge off on my account. I spoke with the Chase XXXX XXXX, to inquire on what exactly what the charge off was on my account. Since the charge off was more than 3 years, they do not maintain that information. The fraudulent money has yet to be returned to unemployment and my wages was being garnished by the state of IL due to the overpayment. Chase stated they are unable to give the money back to me or unemployment. Please assist. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX I had {$70.00} dollars taken out of my Pay/Pal account, I had the card locked so that wouldn't happen. Then on XXXX XXXX i had {$290.00} removed from my account both times by the same person. Both times the card was locked. I filed a dispute on both of them with Pay/Pal. They said I authotized it. I don't know this person never met or heard of them. Don't how they got my money other than Pay/Pal giving it to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
We have a COSTCO Executive Member Business Citi Visa card.

Numerous times our bills never make it to us and we have to call and withdraw it from our bank account. We were asked to keep on file which we declined. In XXXX our bill never made it, and here we are again in XXXX and we didn't receive a statement. This happened when we were living in North Carolina as well. 

On the other hand, our XXXX card as well as other numerous bills and cards ( such as XXXX 's ) manages to make it to our home each month. 

Yesterday, when we were at COSTCO, the woman told me that other people complained they didn't get their bills regularly. She said it was a CEO level decision to get a new credit card company to work with.

It's obvious that they are doing this for late payments and penalties or to automate and withdraw from bank accounts. 

Please do something.

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 2023-05-18 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: TX

Complaint narrative:
i have been disputing TRANSUNION, XXXX, AND XXXX about these inaccurate and incomplete items they are reporting on my credit report and have not deleted nor sent me documents verifying the validity of the alleged debt. I have usps certified mail tracking numbers for all letters with no response. please see the attachment below

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 2023-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: PA

Complaint narrative:
I worked for XXXX XXXX and got a {$6000.00} sign on bonus, I ended up off with a medical XXXX and was unable to return to that position. XXXX was to find me another position within the company and they were having difficulty and my boss at the time was pressuring me because she needed to fill the position, she wanted me to resign so she could fill the position, so I did while off with my XXXX. I was treated unfair with my XXXX and bullied into resigning, I never received a bill from XXXX XXXX for this, first I heard anything about it was through this collection agency, I should not have to pay this {$6000.00} sign on back because of this, now it is at XXXX Credit Management Company reference XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX. 

XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # 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 a account without my written instructions I have reached out about all of these accounts and inconsistencies several times, these errors are hindering me from moving forward in my life.

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 2023-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I, XXXX XXXX principal holder, has wrote a letter to LVNV FUNDING LLCXXXX XXXX XXXX XXXX XXXX letting them know It's my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. I do not have any contract with them. I asked them to prove to me that this is a true debt. they have not responded. or removed this of my credit. 
i am willing going to arbitration if they don't remove this off and but my name in good standing. 

F.D.C.P.A. at 15 USC 1692 e.g.

title 18 section 8 ( all debt is obligation of the United States cestuiquevieact 1666 trust account pursuant 15 USC 83 banks can not loan money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: VA

Complaint narrative:
I ordered my credit reports back in XXXX of 2023, and found inaccurate items on my report. So i submitted dispute letters to all three credit bureaus on XX/XX/2023. Advising of the inaccurate information. I have not received any investigation results and it is beyond the 30 days.

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 2023-05-18 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: VA

Complaint narrative:
I ordered my credit reports back in XXXX of 2023, and found inaccurate items on my report. So i submitted dispute letters to all three credit bureaus on XX/XX/2023. Advising of the inaccurate information. I have not received any investigation results and it is beyond the 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Please remove this inquiry from my credit report immediately as it is not mine

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 2023-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Scammer reached out via XXXX. Scammer sent checks via email, requesting partial payment via XXXX  and XXXX. XXXX XXXX was sent and money was transferred. Chase bank then said all checks had bounced and that money was not recoverable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: SC

Complaint narrative:
In accordance with the fair credit Reporting Act. ( XXXX XXXX ) Account Number XXXX creditor have violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604A section 2 States A consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B Section States a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
On XX/XX/2023 I received a credit monitoring notification that Firstmark Services had reported my XXXX student loan accounts as " 30 days late ''. IT WAS NEVER 30 DAYS PAST DUE. As I was in the process of obtaining a VA Home Loan, I reached out to my lender ( XXXX XXXX ) for further direction. 

I was informed they'd perform a " credit supplement '' or mortgage verification XXXX way call between myself, XXXX, and XXXX. Reference code XXXX. 

During this recorded conference call on XX/XX/XXXX, the representative had verified all XXXX accounts, with the most recent payments made, the balance, and that each was NEVER LATE. 

Going off of this information and under the belief that all of my credit information was accurate, I applied for additional lines of credit- I WAS DENIED, FURTHER DAMAGING MY CREDIT SCORE. 

I had then pulled my credit reports from XXXX and XXXX sure enough, Firstmark reported them 30 Days Late. I filed disuptes with each. The result was Firstmark still reporting the late status and even more alarming was that all payment information and balances were different between each- even though Firstmark responded to the disputes in a period of time where no changes to the account were made. 

Firstmark and their reporting practices are damaging to not only my credit well-being, but any consumer. Their information is seemingly never correct and varies depending on whom you speak with at the time. Their actions have been careless and ridden with negligence. As credit bureau level disputing has been fruitless, this is my final action before filing a formal lawsuit. If I am forced to this action, Firstmark 's horrible business practices will be made very public, along with my official notice to file suit. 

This summary will be published on consumerfinance.gov, as a start.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please remove this inquiry from my credit report immediately as it is not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 2023-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I had an account that had some fraudulent activity occurring. The institution said they would fix the issue. They did not. The account was closed by the institution months ago. I was not paying for a fraud that was occurring especially when the bank said they would handle it. I recently had a direct deposit from my employer sent to that closed account instead of my current one. The old bank now tells me they received the direct deposit, reopened the account and if there are any funds left they will send me a check. My problem lies in the fact that they did not honor fixing the issue nor try to even give me a new account and fix the initial issue. I find it deceptive for them to reopen an account they closed, accept a transaction and think I am not going to exercise my rights as a consumer because they refused to treat me as a customer in that situation. I had a direct deposit fro XXXX XXXX XXXX to deposit on XX/XX/2023. The old institution did not return the item. Unacceptable. The amount of my check was XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX  XXXX told my ex husband and I that I would be removed as a co- signer from his mortgage when he modified the loan without me post divorce. He waited per their request to submit the finalized divorce paperwork along with the modification so that he could stay in the house on his own as he was previously. I was removed from the mortgage ( attached ) and I was removed from the deed. XXXX, however continues to keep their account on my credit illegally. Nothing has my name on it any longer and I have no responsibility to the home anymore. XXXX has refused to offer any assistance and continues to report as an open account on my credit causing me additional financial harm and emotional distress. I consulted an attorney and I was told that it was a mistake and they need to correct it. I have attached all the paperwork I have.

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 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation