vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Self Financial Inc.
State: CA

Complaint narrative:
I had been paying the Self inc XXXX $ every month for over a year and I noticed my credit card never seemed to reduce. Looking back at the statements I realized it was practically all going to interest as shown below ou may have to pay a late fee of up to {$15.00}. 
Minimum payment warning If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example : If you make no additional charges using this card and each month you pay... 
You will pay off the balance shown on this statement in about... 
And you will end up paying an estimated total of... 
Only the minimum payment 4 years {$1300.00} {$32.00} 3 years {$1100.00} ( {$160.00} savings ) If you would like information about credit counseling services, call XXXX. 
Account notifications Account summary Previous balance {$780.00} Payments $ XXXX Credits & adjustments {$0.00} Purchases {$0.00} Fees charged {$0.00} Interest charged {$17.00} New balance {$770.00} Statement closing date XX/XX/year> Days in billing cycle XXXX Past due amount {$0.00} Expedited payment fees {$0.00} Credit details Credit limit {$820.00} Available credit {$46.00} XXXX XXXX XXXX XXXX amount {$650.00} So I closed it and I still owe XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: OH

Complaint narrative:
I am writing to follow up on my previous disputes regarding an unknown account that is still appearing on my credit report. Despite my repeated efforts to rectify this issue, the account in question remains unresolved. 

As I have previously stated, I have no knowledge of this account and have never opened or authorized it. Its presence on my credit report is not only erroneous but also detrimental to my creditworthiness.

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 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
There are two County Civil Suits pending in the District Court of XXXX XXXX XXXX Florida. XXXX and XXXX between myself XXXX XXXX and JP Morgan Chase N.A . The amount in dispute is {$9300.00} for XXXX and {$9400.00} for XXXX. To sum up the situation, the last correspondence I had with them was over 1 year ago and was told that I could pay half to settle both accounts but unfortunately I did not have the money. They told me the accounts were being charged off and never received correspondence after that. There was nothing I could do at that time. I was just starting to barely recover from XXXX financially. A coupe of months ago, I was informed by an attorney that I was being sued by JP Morgan Chase and the legal related information was online. Most shockingly, the representative that tried to serve me papers camouflaged themself as a carpet cleaner technician to unlawfully enter my building. When I tried to question the representative by telephone, the representative mocked me with inappropriate emoji 's. From what I understand he was also banging on the door incessantly at early hours of the morning when I was not at home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I XXXX XXXX, opened an account with Chase credit journey. And today XX/XX/2024. I received an email from them. 
The email stated, that there has been an inquiry to my credit. From none other than chase credit cards. Seems a little weird, because i did not apply for a credit card with Chase Bank. I called them, and they said they would get back to me. I have read lately, anout customers having problems with Chase Bank i am not surprised after what happened to me today. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: FL

Complaint narrative:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX inaccurate date of last activity ) XXXX XXXX ( inaccurate date of last activity ) XXXX XXXX XXXX  XXXX ( inaccurate date of last activity ) XXXX XXXX XXXX XXXX ( inaccurate date of last activity ) XXXXXXXX XXXX  XXXX XXXX XXXX XXXX inaccurate date last activity ) XXXX XXXX XXXX XXXX XXXX XXXX inaccurate date last activity ) XXXXXXXX XXXX XXXX XXXX XXXX ( inaccurate date last activity ) XXXXXXXX XXXX  XXXX XXXX XXXX ( inaccurate date last activity ) XXXX XXXX XXXX XXXX inaccurate date last activity ) XXXX XXXX XXXX XXXX XXXX XXXX inaccurate date last activity ) XXXX XXXX XXXX XXXX ( inaccurate date last activity ) WF/AME GEM XXXX ( inaccurate date last activity ) XXXX XXXX XXXXXXXX XXXX ( inaccurate date last activity )

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX date of last activity ) XXXX XXXX ( inaccurate date of last activity ) XXXX XXXX XXXX XXXX ( inaccurate date of last activity ) XXXX XXXX XXXX  XXXX ( inaccurate date of last activity ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX inaccurate date last activity ) XXXX XXXX XXXX XXXX XXXX XXXX inaccurate date last activity ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( inaccurate date last activity ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( inaccurate date last activity ) XXXX XXXX XXXX XXXX inaccurate date last activity ) XXXX XXXX XXXX XXXX XXXX XXXX inaccurate date last activity ) XXXX XXXX XXXX XXXX ( inaccurate date last activity ) XXXX XXXX XXXXXXXX ( inaccurate date last activity ) XXXX XXXX XXXXXXXX XXXX ( inaccurate date last activity )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: FL

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
I opened an account with XXXX XXXX XXXX when I was living full time in XXXX XXXX XXXX and XXXX. I actively used the account for some time, and then kept it open only because I had a couple of auto debits that I hadn't yet switched over. I planned to transfer them and close the account. 

In late XXXX, I started getting email overdraft notices from XXXX. I transferred money from my primary account a few times to cover these overdrafts and finally realized that the overdrafts were due to debits from XXXX. I do use XXXX to send money to my daughter, but only from my primary account at XXXX XXXX XXXX. I filed a fraud report with XXXX and, almost immediately, I received a secure message through their portal stating that the fraud report could not be pursued due to the type of transaction. I called XXXX, and spoke with a representative who stated that she would block any further transactions from XXXX. Needless to say, XXXX continued to pay the debits from XXXX, continuing to overdraw my accounteven after they were notified that the transactions were fraudulent. 

On XX/XX/XXXX, I received a call while I was working out of the country, telling me that my account would be charged off if I didn't pay the overdraft. I believe the person was named XXXX and her extension was XXXX at XXXX. I explained the situation to her, but she was not receptive. I had been unemployed for a couple of months at that point, and could not afford to pay *another* fraudulent overdraft. I had transferred {$150.00} a few days prior. I didn't want my credit to be affected, so told her that I would try to pay the balance ASAP. She gave me a deadline of a few days and told me there was nothing she could do, despite acknowledging that this type of fraud " happens all the time. '' XXXX sent my account to a collection agency. I was forced to pay the amount, under duress, to keep my credit report clean. XXXX also reported me to XXXX, knowing full well that this was a matter out of my control.

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 2024-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was backed paid XXXX months and unable to pay due to medical and loss of wages, that Wells Fargo was aware of. That addd me to the forbearance option as I waited an additional 3 months for a decision that was never in favor for myself. Wells Fargo denied the modification, forbearance, and any other assistance programs. They said the Investor is the one making all the decisions or have guidelines to what they could provide to me via Wells Fargo. I asked for investor information, Wells Fargo denied me that. Also was not speak to the underwriter. I waited a total of 7 months starting the end of XXXX to XX/XX/XXXX and gettin no where, but ending up with a back mortgage of {$8500.00}, that has to be paid off by XX/XX/XXXX, or foreclosure process can take into affect.

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 2024-04-22 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: MS

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 non-monetary relief
Consumer complaint received 2024-04-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 
The Consumer Reporting Agency states my account was properly investigated however how is that possible if the open date is inaccurate, the date past active is inaccurate, inaccurate balances, reporting late payments, not reflecting on all accounts. 

My rights were violated under 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Section 2 States A Consumer Reporting Agency can not furnish an account without my written instructions. 

This is grounds for removal and I would appreciate it if these accounts are deleted : 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 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 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 2024-04-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report.

The

Consumer Reporting Agency states my account was properly investigated however how is that possible if the open date is inaccurate, the date past active is inaccurate, inaccurate balances, reporting late payments, not reflecting on all accounts. My rights were violated under 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A. Section 2 States A Consumer Reporting Agency can not furnish an account without my written instructions.
This is grounds for removal and I would appreciate it if these accounts are deleted : 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 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 non-monetary relief
Consumer complaint received 2024-04-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am writing to address a significant discrepancy regarding the reporting of a debt on my credit report. After reviewing the information provided by CAPITAL ONE, it has come to my attention that the account in question, which was listed as opened on XXXX XXXX on XXXX. But on XXXX and XXXX credit report its listed open on XX/XX/XXXX. However this account was originally opened XX/XX/XXXX. Furthermore, the original last payment received for this account was on XX/XX/XXXX. With XXXX its listed account was closed XX/XX/XXXX. XXXX date od closer is on XX/XX/XXXX. XXXX on XX/XX/XXXX This discrepancy suggests that the debt has been inaccurately re-aged.

As per the Fair Credit Reporting Act ( FCRA ) U.S. Codes, it is essential that information reported on a consumer 's credit report is accurate and reflects the true history of the account. Sections 1681s-2 and 1681c of the FCRA outline the responsibilities of furnishers of information and prohibit the reporting of outdated or inaccurate information, including the re-aging of debts.

Section 600.5807 of the Michigan Compiled Laws outlines the statute of limitations for various types of debt in Michigan. Here 's a breakdown : 1. **Contractual Debts** : For debts based on a written contract or agreement, such as loans or credit card debt, the statute of limitations is generally XXXX years from the date the cause of action accrues. The cause of action accrues typically from the date of the last payment made on the account or the date of default, whichever is later. 

2. **Open Accounts/Unwritten Contracts** : This section covers debts without a written contract, such as credit card debts where there's no signed agreement. The statute of limitations for these debts is also XXXX  years from the date of last payment or default.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I have had numerous challenges with the billing practices of Synchrony Bank regarding my XXXX XXXXSynchrony Car Care Card. Consistently, I will log into my account to find my available credit is lower than it should be due to duplicate entries of activity on my account. For instance, I charged {$45.00} on XX/XX/year> for gas. I checked my account days later to ensure it was posted before paying to satisfy these charges. Payment made on XX/XX/year> of {$200.00} to cover the card balance before the statement closing date for this month. I received a Synchrony email on XX/XX/year> at XXXX am to advise the payment made on XX/XX/year> of {$200.00} was posted. Upon logging into my account on XX/XX/year>, the payment is not posted. It is notated as " pending. '' XX/XX/year> I logged into my account to see my available credit is {$45.00} lower than my credit limit in spite of the {$200.00} payment on XX/XX/year> being posted & reflecting on my payment history plus no additional transactions made on my card. I reached out to speak with a customer service agent ( XXXX ) who told me this is normal when I make a payment and charge within 24-48 hours of each other. This explanation was irrelevant and inaccurate ; my last charge was XX/XX/year> while the last payment was XX/XX/year>. The time elapsed would be more than 48 hours between these two dates. Additionally, I requested supervisor assistance in hopes of a more experienced agent having more resources & context to enlighten me on the details. The supervisor ( XXXX ) advised there is always a 7-day hold on the transaction amount so despite the payment being satisfied I'm still under the 7-day hold policy which impacts my available credit. Due to this new and undocumented detail of the account policy, I asked for cardholder literature on this policy to be issued to me for my review to enlighten myself on the details of my account moving forward. XXXX searched for the info and advised she didn't see these specific details on the terms listed she was planning to issue. She advised she would send feedback of my consumer to corporate-level management and I stated I would move forward with my CFPB complaint. I find Synchrony 's business practices to be unethical and deceptive considering I'm consistently making a diligent effort to proactively communicate to use my card responsibly yet I'm still subject to the game of unknown with my account activities posting in a timely manner. I would appreciate any assistance in educating me on the circumstances creating these repeated challenges.

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