vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
This is to report that Synchrony Bank issued an unauthorized balance transfer of {$17000.00} on on XX/XX/2023 from one closed XXXX card account in dispute for the same amount, to another closed XXXX card account for the amount of {$17000.00}. this amount is in dispute from 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 monetary relief
Consumer complaint received 2023-05-11 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 — Investigation took more than 30 days
Company: Upstart Holdings, Inc.
State: MI

Complaint narrative:
The investigation took longer than 30 days. I have attached the dispute letters I sent to XXXX, XXXX, and XXXX which date my First letter to XX/XX/23 and my second letter to XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America was not applying our payments to our Loan. This was proven by our Payment Histories. This is the same thing about the Origination date. We built our house in XXXX. That's the Originated date, not XXXX. The biggest FRAUD!! took place during the Closing of refinance on XX/XX/XXXX with my husband XXXX XXXX XXXX. The Closing took place around XXXX XXXX  that night. He had just gotten off from work and when he walked in he was expecting XXXX. My husband was never told that XXXX XXXX  was refinancing the Loan. He was never told Bank of America was during the refinance. My mother was in XXXX XXXX on life support and I didn't go with him. It was him and a XXXX lady just the 2 of them. He said the Document Wavier of Borrower 's Rights was never explained. A document that allowed Bank of America to take our house anytime they wanted to. NO!! he said he never heard that statement before and he would have never signed a statement like that. Some of the documents that I have copies of HUD 's Loan numbers and Case numbers are blacked out except for the last 4 digits. On some of these documents. My original copies are not blocked out. I filed a Lawsuit against discrimination against XXXX XXXX in XXXX. My family was XXXX. The next thing that happens was my husband worked at XXXX XXXX. He got a call and they told him to bring the train in. They said my husband ran a signal and the camera didn't take a picture, it was broken. The conductor didn't call a signal. That's the person who calls out the signal. They suspended my husband for 2 years. He went back to the tractor-trailer driver. The conductor went back to work in 2 weeks. 
My husband was an Engineer with XXXX XXXX. He was bringing XXXX {$7000.00} a month. He was employed there for 10 years. I also discovered this house was in foreclosure twice in XXXX and XXXX. I also found out you don't have to go through the foreclosure procedure you can put it in without notice. We built this house in XXXX the FHA XXXX no. is XXXX. This is a new construction in XXXX XXXX XXXX XXXX XXXX XXXX Sun XXXX Mortgage XXXX XXXX We never miss a mortgage payment. Bank of America would not allow HUD or XXXX to help us find the problem with this Loan. XXXX and XXXX XXXX will pay to have a Forensic Auditor to Audit this LOAN

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 2023-05-11 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: NY

Complaint narrative:
You are in direct Violation of The Fair Credit Reporting Act. The store/ bank has violated several of my rights. The U.S.C. 1681 Section 602A clearly states that I have right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose. 
Please remove these late payments and update my account immediately as you are in direct violation of the laws under The Fair Credit Reporting Act.

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 2023-05-11 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: NY

Complaint narrative:
You are in direct Violation of The Fair Credit Reporting Act. The store/ bank has violated several of my rights. The U.S.C. 1681 Section 602A clearly states that I have right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose.

Please remove these late payments and update my account immediately as you are in direct violation of the laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian has misused my personal information I would like all information corrected and removed as soon as possible, all accounts and aliases and addresses.

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 2023-05-11 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: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX has misused my personal information I would like all information corrected and removed as soon as possible, all accounts and aliases and addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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 — Investigation took more than 30 days
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
The investigation took longer than 30 days. I have attached the dispute letters I sent to XXXX, XXXX, and XXXX which date my First letter to XX/XX/23 and my second letter to XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Good Day, I have a XXXXXXXX XXXX XXXX According to the credit bureaus, there has been a credit score decrease of XXXX points in XXXX due to me exceeding the credit limit of {$50.00}. After reviewing my credit reports, I realized that the {$50.00} balance from XXXX is reporting instead of the balance for XXXX. According to XXXX 's terms, I'm required to add money to the account to set the spending for the month. The spent amount is locked as the secured funds in the XXXX account, which then can be used to repay the statement balance automatically with XXXX at the end of the month. I have not been provided with a statement for XXXX, but I do have screenshots of the transactions from the account. I deposited almost {$1000.00} into the account in XXXX. I've had the account for more than 6 months and I have only been provided 3 statements excluding the statement for XXXX. Also, XXXX does not have live agents for emergencies. Customers are required to chat with a live agent. This is an inconvenience when credit card companies have to contact a representative to verify transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: FL

Complaint narrative:
The Department of Education/XXXX is reporting account inaccuracies across consumer 's XXXX, Experian, and XXXX consumer reports. XXXX report shows that the account is paid as agreed and never late but XXXX and Experian is showing that the account has been late for 90 days. Also, 20 U.S. Code 1232g ( B ) does not include credit reporting agencies access to a person 's educational record without consent. I never gave XXXX, Experian, XXXX, and XXXX written consent to furnish information regarding my educational record, let alone inaccurate/adverse information. 15 U.S. Code 1681c states no adverse information reporting on my consumer report. I am demanding the account and transaction information to be removed immediately from my consumer report. 15 U.S. Code 1681a ( 2 ) states transactions of an account is excluded from the consumer report. DEPT OF ED / XXXX XXXX, XXXX XXXX FILE NUMBER 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 explanation
Consumer complaint received 2023-05-11 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: IL

Complaint narrative:
I have accounts showing that I have late payments or delinquent payments which is inaccurate. 

XXXX XXXX XXXX  ( Late Payment ) DPED XXXX ( Late Payments/ Delinquent ) DPED XXXX ( Late Payments/ Delinquent )

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 2023-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLANT. I'm not using any third party for this matter and represent myself by myself. I'm sending this complaint because I have pulled up my credit report just recently and I noticed some hard inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. YOU are reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. I have filed FTC report for this matter. Here are the list of these fraud items : XXXX XXXX  XX/XX/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 Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX Please remove these items from my report as soon as possible, I have included the copy of my SSN, driver license, proof of address and copy of FTC 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 non-monetary relief
Consumer complaint received 2023-05-11 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: NY

Complaint narrative:
I did not try to open an account with XXXX XXXX XXXX XXXX XXXX in XXXX. I had XXXX years ago. My identity was stolen in the process of me moving. My photo ID 's, social security cards and much more went missing. I have sent over numerous letters to this creditor along with police reports and report numbers and they refuse to remove the inquiry. I have a copy of the report slip before the numbers generated. The report number is XXXX. I live in XXXX where they do not give out paper reports and the number should be sufficient enough. This inquiry was not me and I would like it removed off of my report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: Self Financial Inc.
State: NV

Complaint narrative:
I had 3 different CDs that were mishandled and issued properly add wrongly added to my credit card and were closed..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I am having repeated problems with TRANSUNION primarily. They have changed the account infomariont of my XXXX XXXX XXXX XXXX now, FOR THE XXXX TIME! I've had enough of them. TRANSUNION and now, XXXX, had re-imputed the balance owed as {$490.00}. I just left my XXXX XXXX XXXX XXXX and the representative just re-verified to me that I PAID OFF THIS back balance of {$490.00}! This is the XXXX time that TransUnion has done this to me and i'm very upset about these bureaus repeatedly breaking the FCRA laws. Please help me correct this issue with XXXX as well. I OWE NO BALANCE TO XXXX XXXX XXXX XXXX AND THEY CAN VERIFY THIS.

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 2023-05-11 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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
The investigation took longer than 30 days. I have attached the dispute letters I sent to XXXX, XXXX, and XXXX which date my First letter to XX/XX/23 and my second letter to XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I do not have an account with XXXX I had one years ago. I do not have one now and never tried to get another one after I closed my account in good standing with them. My identity was stolen in 2022 in the process of me moving. My photo ID 's, social security cards and much more went missing. I have sent over numerous letters to this creditor along with police reports and report numbers and they refuse to remove the inquiry. I have a copy of the report slip before the numbers generated. The report number is XXXX. I live in XXXX where they do not give out paper reports and the number should be sufficient enough. This inquiry was not me and I would like it removed off of my report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I did not try to open an account with CAPITAL ONE BANK USA NA in XXXX. I had XXXX years ago. My identity was stolen in the process of me moving. My photo ID 's, social security cards and much more went missing. I have sent over numerous letters to this creditor along with police reports and report numbers and they refuse to remove the inquiry. I have a copy of the report slip before the numbers generated. The report number is XXXX. I live in XXXX where they do not give out paper reports and the number should be sufficient enough. This inquiry was not me and I would like it removed off of my report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
This is a follow up complaint to XXXX. That complaint was closed with an agreeable settlement from Comenity Capital Bank. The settlement stated a monetary relief amount of {$480.00} would be made to me. 

What happened so far is quite different. The total amount of the points that I was refused to use in the amount of {$260.00} was credited to my account and then was immediately removed since the account was closed. 

The total amount of interest, check fees, etc of {$210.00} was not credited to my account in full. Only the open balance of {$76.00} was credited leaving my account with a XXXX balance. I expected to see a credit balance of {$400.00}, not a XXXX balance. 

I called the company on XX/XX/2023 and spoke with XXXX who stated he would investigate and that I was to call back on XX/XX/XXXX. I called on XX/XX/XXXX and spoke with XXXX who stated that there is no problem, my account has a XXXX balance but that the account is still is dispute. She instructed me to send a letter to Comenity Capital Bank, attention to Billing Disputes and include a copy of the settlement letter from CFBP. I sent a letter the same day with the requested enclosure and received a reply dated XX/XX/XXXX stating that they need to investigate my claim and that they needed an additional 90 days. 

There is no justification for an addition delay of 90 days for issuing a refund in the amount of {$400.00}. The monetary relief agreed on with CFBP should be adequate evidence of my claim. Please help me with this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Graduate Resource Network
State: HI

Complaint narrative:
I've been making monthly payments in the promise of student loan forgiveness and I was unaware that I was making payments to a 3rd party company. That company is Graduate Resource Network. They told me they were directly affiliated with the Department of Education, but after a conversation I just had with XXXX XXXX XXXX, I realized I've been paying Graduate Resource Network commission and not paying directly towards my student loan relief. 

XXXX XXXX recommended I reach out to your office and see if there is anything I can do to get refunded and get on the appropriate track towards student loan forgiveness. 

Thank you so much for any and all help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: WA

Complaint narrative:
Received a call from XXXX XXXX with Convergent Outsourcing who stated that she was calling to collect a final amount related to my XXXX bill that service had ended on. 
I told her that I didn't understand because I have current service. 

She verified the service address. 

Again I told her I didnt understand. She gave me an amount of {$680.00} that was due, and an account number # XXXX, and told me to call to speak to a live agent at XXXX to resolve the issue. 
She also provided a call back number of XXXX. 

I called XXXX who confirmed that I do not have an outstanding balance. This was an old account number I had at XXXX and the XXXX  rep at XXXX again confirmed that there is no outstanding balance on that account number.

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 2023-05-11 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:
I have accounts showing that I have late payments or delinquent payments which is inaccurate. 

XXXX XXXX XXXX ( Late Payment ) XXXX  XXXX ( Late Payments/ Delinquent ) XXXX  XXXX ( Late Payments/ Delinquent )

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