vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-26 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: CO

Complaint narrative:
To the Consumer Financial Protection Bureau I believe that XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX have violated my rights under the Fair Credit Reporting Act ( FCRA ). My privacy rights, as stated in 15 U.S.C 1681 Section 602A, have been compromised. Additionally, 15 U.S.C 1681 Section 604A, subsection 2, prohibits a consumer reporting agency from furnishing an account without my written instructions. To rectify this situation, I kindly request that you promptly investigate the matter and take appropriate action to ensure compliance with the FCRA. I seek a fair resolution that upholds my privacy rights and prevents future violations.

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 2023-06-26 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: NJ

Complaint narrative:
I bought a product through Pay Pal Credit for the amount of {$1400.00} on XX/XX/XXXX with the intent of paying it down to avoid the interest. I messaged them today XX/XX/XXXX in regards to why it was showing I owed more then I should on the promotional offer and it turns out they only apply your payment to the purchase if you contact them each month. To which I was never in formed. So in order to avoid interest I have to pay {$1200.00} with in the next month. I have paid to {$950.00} them since XXXX and could have paid off the rest to avoid interest

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to resolve this matter with experian for the last few months. i informed experian about these accounts. Im not sure whats going on with their dispute center but theres been a lack of investigating. The account Im referring to is XXXX XXXX acct # XXXX {$300.00} THIS IS NOT MY ACCOUNT. I've attached my affidavit and im asking for a removal of the account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MT

Complaint narrative:
Sold my home in XX/XX/2023, Mr. cooper had my account after closing i had paid for XXXX, but they will not refund my over payment.,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: MA

Complaint narrative:
I never owed this debt is was paid I called them it was never a collection it should have never been placed it should have been removed and they placed it on my wife 's as well XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
A fraud wire equaling up to XXXX XXXX was put in my back account. My account is now shut down because of this company o have the info of who it was this person has accounts with XXXX BOA XXXX XXXX  and other companies hes scammed including buisness cards he has with these companies. Using fake documents. I was asked to mail check wires and put cash on various accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv 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 2023-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COAST PROFESSIONAL, INC.
State: MS

Complaint narrative:
My husband, XXXX XXXX XXXX, and I each paid our amount owed to the IRS each year. We should not have a balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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:
I was at a XXXX store in XXXX Florida in XXXX and was buying some items. The salesperson asked if I had or wanted a XXXX credit card. I said I used to have XXXX. Her response was that they could reinstate the account. I said that is fine as long as it doesnt involve a hard pull on my credit as I did not want my credit pulled. She replied that there would be no pull. I asked her XXXX additional times before agreeing and she said there would be no credit pull or inquiry to reinstate that old account. Later that day I received an alert that XXXX pulled my credit, hard inquiry. I did not give permission to do this and called XXXX credit. After being transferred around I was told that the inquiry would be removed and I would get a deletion letter. It has now been over 90 days and I have received nothing. I have attempted to call them back multiple times, have held as long as XXXX minutes until their system disconnected me. I contacted the credit bureaus and they said I had to call XXXX. I explained that I have multiple times, so they suggested I reach out to you. I didnt authorize this credit pull and was verbally told 3 times that no hard inquiry would be done. This is an unauthorized pull of my credit and I want it off of my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: HI

Complaint narrative:
Southwest Credit has placed a collection on my credit report. They said that the debt was from XXXX XXXX. South West Credit phone number is XXXX. Their address is XXXX XXXX XXXX XXXX, TX XXXX. They say that this is for service provided at address : XXXX XXXX XXXX # XXXX XXXX, MA XXXX... I have NEVER lived at this address and I do not know anyone that is at this address. I have disputed this with the credit bureaus ( XXXX, XXXX, XXXX ) also with the company XXXX XXXX XXXX XXXX different times/months and they still keep trying to collect a debt that is NOT mine. This is hurting my credit and I need it to be Deleted ASAP as is is not mine! It is also affecting my buying power and preventing me from getting the best loan possible. This is very frustration as it is not mine and I have tried to get it resolved but with no success so I am writing you to help get this resolved. Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I submitted a loan application through USAA 's website. USAA pulled my credit, then asked for supporting financial documents. IS it a standard practice to pull credit BEFORE having identifying documents and financial documents on file? 

Now my credit score has taken a hit. 

Can't get them on the phone since their automated system keeps transferring me to the wrong department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: FL

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
pentgon federal credit union has sent an account to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX md XXXX stating I owe {$14000.00} i never opened this account, i have never banked with pentagon federal credit union. my wife does, but this account was opened and now showing a debt of {$14000.00} this is fraud. i have filled out the packet for fraud with XXXX XXXX and notarized and sent the information back to them to remove this from my credit profile. This is now pending.

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 2023-06-26 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: PA

Complaint narrative:
This is my formal complaint to EXPERIAN for taking no actions on correcting and removing the fraudulent accounts that are still reflecting on my credit report and continue to damage my reputation. I sent out dispute letter to them last XX/XX/2022 but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

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 2023-06-26 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:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I legally changed my name from XXXX XXXX to XXXX XXXX and i am unable to update this information with transunion and XXXX  both accounts have locked me out or given me error messages when attempting to login to my account. I can only access XXXX XXXX but i am unable to update anything as the XXXX site says to go to the transunion site. i am literally just trying to update my name and login to my accounts. I have all the proper documentation and court orders for my updated name and information. I need to know where to send it. XXXX had me file a dispute form and upload the documents but i am unable to do that for the other 2 companies. But i also have not been able to file any disputes with the other 2 companies as my accounts always give error messages. It honestly seems intentional like a way to prevent people from filing disputes. its making my life really difficul because of this error that is showing up with my name change in the XXXX and XXXX tax systems. Please let me know how to move forward. 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 2023-06-26 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: CO

Complaint narrative:
I have multiple fraudulent and unauthorized inquiries. I have submitted certified letters of disputes and still have not been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I have an auto loan through Santander Consumer, a vehicle warranty was added to the loan without my knowledge or approval by the dealership, I asked that it be cancelled. The cancellation was processed and the amounts refunded to my loan. On XX/XX/XXXX there were XXXX payments, {$2300.00} and {$590.00}. On or about XX/XX/XXXX those payments were reversed but on the same day reapplied to my loan all going to principal. Initially one of the payments was applied with {$150.00} going to interest. On XX/XX/XXXX I received a call that my loan was past due. I questioned the almost {$3000.00} they received and they said that did not count because it was all applied to my principal. My account never showed a past due status and statement also shows no past due status. I've never heard of any payment regardless of where it is coming from not being considered a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: GA

Complaint narrative:
I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX  Account Number : XXXX It's showing that I've have multiple charge-offs and late payment. But here 's the thing, I've never been late on my payments for this account. 

Something else that's weird is that this account info is only showing up on XXXX credit bureau report. Doesn't that seem a bit off? I mean, if it was accurate, wouldn't it be on all the bureaus ' reports? 

XXXX XXXX Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.

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 2023-06-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. Also 15 USC 1681 Section 604 A Section 2 : it states a consumer reporting agency can not furnish a account without my written instructions. Lastly 15 USC 1666B states a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. 

Please remove the late payment status off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I haven't bought anything in over a year on this card and have been making my payments religiously, however my balance has remained over the limit. I have tried to dispute directly with them, but they refuse to allow me to do so via email ( I get very stressed speaking to them as I have XXXX XXXX  ) I am asking for a breakdown of all purchases since the card was opened along with whether Pin was used or not, and a ledger of all interest and fees. They took over my account and put something into the account which has led me to believe there are several inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a Chase credit card ending in XXXX that had a statement balance due of {$24000.00} for the billing cycle of XX/XX/XXXX - XX/XX/XXXX. 

I paid a total of {$24000.00} ( {$100.00} more ) during this period, the last payment of which was following the online prompts on XX/XX/XXXX specifically to pay the remaining statement balance in its entirety to avoid any finance or interest charges. 

Even so, I was just charged {$150.00} in interest fees for this exact statement cycle in spite of having fulfilled my obligations as a credit borrower, using Chase 's own processes and calculations for remaining statement balances owed to pay my credit card in a timeline manner with 5 days remaining before the payment due dates. 

Chase phone support acknowledged their ability to reverse the charge, but refuses to do so, citing some XXXX about daily interest rates and how there was some kind of leftover balance that still triggered the interest accrual to assess fees. 

When asked to get a transcript of the call, I was told they couldn't do that. When asked to get an email summary of their decision and reasons, I was told no. They were completely unhelpful and not at all interested in taking responsibility for their error, instead attempting to bamboozle me into accepting their " logic '' for why paying a statement balance in full should still generate interest charges. I've had credit cards for decades. I know how their statement balances work, and this is outright theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Synovus Bank
State: FL

Complaint narrative:
On XX/XX/2023 I applied for a secure credit card filling funding the card the same day with {$500.00}. I called XX/XX/XXXX to get a refund I also callled again and email the company asking for the status of my refund for XXXX I told them I dont want there services and to refund my money back to my card. The company purposely waited.and I spoke with my bank to inform them on a XXXX way call the merchant said he will Refund me back {$500.00} but it will be 4 7 to 10 weeks ans they will send me a check I then told First progress to provide me with certified confirmation of the check that they said they will mail off to the address I have them to mail it to but he told me He couldnt do that. Company within enough time to refund my phones back to my card. However, they purposely didnt. If you look on The company XXXX  it shows a reputation of this. I was never giving a reference number or anything showing that the account is closed and the refund is on its way.. First progress and my bank both were on a three way phone cal this morning on XX/XX/2023 First progress apologized because they couldnt send the funds back to the original card Im requesting proof of my refund and to speak with someone in a hire department because they should have been able to credit it back to my card

Company response to consumer: Closed with explanation