vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have a PayPal Synchrony Bank Mastercard. My account info was compromised so I called and they immediately shut down my account and sent me a new card with a new card number. All was well. 

I logged into my online account and all my history is gone. I can only see transactions since I got the new card number. It's as if it's a brand new card, with none of my years of history. With the exception that it shows that my account balance from the prior card carried over. And, now my payment is due in 10 days - I pay it off each month, and the balance is not small this month. 

Problem is, the statement associated with that payment went out with the old card number, so I can't access it online - since all the old info is gone. I didn't get a hard copy of it, since I was signed up for online statements. I called and they said that I'd never be able to access the old card 's info online, but they could snail mail me old statements, which will arrive within 7-14 business days ( my payment is due in 10 days ). 

I asked them to expedite me the statement or to postpone my payment due date so that I could see what I was being charged for before I make the payment. This is particularly important to me since my card number had been compromised and I don't know if there may be fraudulent charges. They said they can not do either of these things. I spoke with a supervisor and their supervisor and still nothing. 

Two other bits of information : 1 ) Prior to being told today that I would never be able to see the old credit card transactions online, I had called two prior times over the past a week or so. On both of those calls, they told me that information would transfer over and I'd be able to see the old card statements/transactions online and just to give it a couple days. That is quite different than what I was told on today 's call, where I spoke with three different people. 
2 ) There is no way to contact this company electronically. You must call. And when calling, the automated system is awful. It can not understand my problem and it works very hard and takes up a lot of my time trying to avoid connecting me to a human.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$60.00} XXXX XXXXXXXX Balance : {$890.00} XXXX XXXXXXXX Balance : {$0.00}

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 2024-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-02-23 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: MD

Complaint narrative:
At the end of year XXXX I did summit a dispute to reinvestigate with the three credit bureaus about incorrect information on my credit report from company XXXX XXXX XXXX, account # XXXX. I inform them about discrepancy between the three credit bureaus, for example on XX/XX/XXXX XXXX report Data Unavailable, XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX  Equifax report account on time on months XXXX, XXXX and XXXX when XXXX and XXXX reported as closed on XXXX, they return the dispute as verified stating that " the account meets requirement of the Fair Credit Reporting Act. '' The account has errors in the payments history and does not match if is compared between three credit bureaus so the account " does not meet the requirement of the Fair Credit Reporting Act ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CCF Intermediate Holdings LLC
State: MD

Complaint narrative:
Received an e-mail from Speedy Cash XXXX XXXX XXXX XXXX. The E-mail address is XXXX ; XXXX ; Their case number for this is : XXXX On XX/XX/XXXX, I received an e-mail from Speedy Cash Loans stating that I owed them {$1800.00} from XX/XX/XXXX. They requested a settlement of {$1200.00}. If no settlement or payment is received they would commence with litigation for {$8600.00} for all legal fees, they threatened to inform my employer to take action against me. Their threats include e-mailing/faxing my employer to take strict action against me. They threatened that my salary and wages would be confiscated. If the debt is not resolved, they will contact the local sheriff and have me served with a summons at my residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
Charter communications is stating I didn't pay off a cell phone installment when I left their company for another cellular company. This phone had to be paid off to unlock the phone from the carrier to be able to take it to a new company & get service on it. There would have been no way to get service on the cell phone without paying it off & unlocking it. I cancelled service in XX/XX/XXXX I received letter notice of debt from CBE group early XXXX, I immediately disputed online & NEVER received proof of debt. They called multiple times after my dispute to get payment and I told them each time that I requested proof of debt, it was never sent & that it is not my debt & I had email proof the bill had been paid. One employee had a conversation with me that SHE BELEIVED the bill had been paid, but there was nothing I could do to change that and they wouldn't accept my dispute and I just needed to go ahead and pay it. 
The company then sold my debt to another company in early XXXX, XXXX XXXX strategies, and this company reported the collection to my credit BEFORE the posted dispute due date, I have since disputed the debt online & still waiting for a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: LA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2023 You Violated the United States Code Law ( TILA 15U.S. Code 1666 ( b ) billing error ) recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. If you cant apply that information then it is false allegations and you are in violation. I demand the items below all be updated to paid as agreed on my consumer report. 
{ XXXX XXXX XXXXXXXX XXXX } As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: LA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2023 You Violated the United States Code Law ( TILA 15U.S. Code 1666 ( b ) billing error ) recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. If you cant apply that information then it is false allegations and you are in violation. I demand the items below all be updated to paid as agreed on my consumer report. 
{ XXXX XXXXXXXX XXXX XXXX } As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ). 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: IN

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 XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX and 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 2024-02-23 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: TX

Complaint narrative:
In accordance to the fair act convergence account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15U.S.C1681 sec 602a states I have a right to privacy 15U.S.C1681 sec 604 sec 2 it also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
My name is XXXX XXXX and i'm an XXXX member. unfortunately i was a victim of solar mosaic scam, they are in bed with construction companies. they gave my loan to XXXX XXXX the loan was for {$75000.00} and took {$46000.00} the took from me cash. this is not okay please have some oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished this account that we did not agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA I'm entitled to {$1000.00} per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: SC

Complaint narrative:
Harrassing calls and messages have been left at my job. I don't owe this debt. XX/XX/year> I requested validation of the debt from XXXX, the person I spoke with on the phone. On XX/XX/year> I received notification from experian that my credit score had been updated. My score dropped XXXX points because of this false debt that is not mine and has not been validated. I want it removed from my credit report. I have not had a sprint account in more than 7 years that account was paid in full, when I switched services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Something is not right about XXXX XXXX XXXX filing a C-1099. In XX/XX/XXXX I learned by viewing a XXXX XXXX court filing that I was being sued by XXXX XXXX XXXX to pay an alleged debt. I responded to the small claims court filing with a defense document submitted after spending hours of my time learning how to do this. I was never served anything, one of my defenses. The alleged debt was a Citibank debt with known interest charge issues so I questioned the balance owed. However, the only option available to me after my response to the lawsuit filling was that I had to attend a mandatory mediation with a legal representative of XXXX XXXX XXXX. I was not prepared to defend myself. I agreed to a {$25.00} per month payment plan. Eventually the loan was paid off and satisfied. ( Payments stopped at some point with no further communication from XXXX. ) It was when I received a C-1099 form submitted by XXXX XXXX XXXX I learned that the company discharged the alleged debt in XX/XX/XXXX. How can they discharge a debt that was paid off? How can they have this as my " Best Buy Credit Card '' debt on their books in XXXX? I also have a Federal Tax Lien filed XX/XX/XXXX. It is essential that my tax filing is as accurate as possible. In the XXXX federal tax filing I am able to use the form to essentially discount the alleged debt amount and I should not be liable for a settled debt income because I paid it off. ( Plus both owed state and federal taxes from XXXX to present period makes me " insolvent ''. ) It looks to me that XXXX had me on its books as a debtor. Did the company represent to the IRS that I was in debt or had a discharged debt? I am working with a tax attorney to resolve my federal tax lien and my state tax debt. Please help me identify what may be wrong. Did XXXX submit a false claim to the IRS?

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 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
This started back in XXXX. I joined Ally Bank because I was told they were a good bank. However I found out this was not the case. During my time with Ally Bank, a colleague of mine sent me an ACH transfer of {$50000.00} on XX/XX/2024. I needed to transfer to {$50000.00} to another account of mine that was for personal medical issues. When I tried to transfer the {$50000.00}, the website stated I can only do {$25000.00} at a time. So I did I transferred the first {$25000.00} and it went through with no problems whatsoever. When I try to send the second {$25000.00}, suddenly Ally Bank locked my account. So I decided to call them. I kept getting the runaround from every person I talk to even from the fraud investigators. They told me that the {$25000.00} was flagged as fraud which was not true because that {$25000.00} came from the same account as the first XXXX and that was not flag for fraud. The second {$25000.00} had the same information as the first {$25000.00}. After weeks after months of talking to people they finally said that they were closing my account with for no reason whatsoever. Their excuse was that they think it was fraud which it was not. So I asked them where is the second {$25000.00} that was in that account in my account. They said that they were going to send it back to the person that sent it to me. It has been weeks and the person that sent me the {$25000.00} still has not gotten her money back. She's gone to her bank and they have told her that the money has not shown up. I need to know where the {$25000.00} is.

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 2024-02-23 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: IA

Complaint narrative:
I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. 

I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. 

As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction. 

I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. 

Failure to resolve this matter promptly will compel me to escalate my concerns to relevant regulatory authorities and explore alternative recourse to protect my rights as a consumer. I am asking for your assisstance to remove othese fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX, RI XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023.

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 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/XXXX I did an online order with a company XXXX XXXX XXXX for XXXX.that I will receive my product in 4 to 5 days. I noticed a transaction for XXXX from XXXX XXXX. I was alarmed and ask XXXX XXXX XXXX was that them and for a tracking number. No response.. kept trying still no response. Waited the 4 to 5 days, no delivery. On XX/XX/XXXX I disputed the transaction for amount and no delivery with Chime Bank 4 times. They have denied all 4 times. Chime provided me with a fake delivery form from the merchant that was blacked out by Chime they say its for my security.. I advised them twice I will like to see it without it being black out. Each time waiting 10 days and continuing to wait. I think Chime bank is a fraudulent company and taking customers money. Please investigate!

Company response to consumer: Closed with explanation