vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had a new air conditioner installed and was offered 24 months same as cash by the company, XXXX XXXX, which is financed via a credit card through Synchrony Bank. I received no information about the account but was informed it would be sent with card. When I received the account I discovered I was charged a {$29.00} activation fee. It was in the disclosures I received with the card but if I had know about the fee in advance I would have gone ahead and paid for the unit. I contacted the bank and was advised they are sorry I wasnt informed but they are just the financial institution and cant control the sales guys. Are they ultimately not responsible to ensure proper disclosures are given prior to selling their products? Very frustrating!

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 2022-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
Today received a call about Victoria 's Secret XXXX and was told urgent matter needs to be resolved. Used threatening language. Have not used any type of Credit Card for that location in over a decade. Have no outstanding debt with Comenity Bank as they are the ones calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I have a bill from XXXX XXXX XXXX date XX/XX/XXXX which I thought I had been exposed to XXXX. I had been on a payment arrangement but with my XXXX XXXX and the post office cutting back on our hours I had to cut back on some bills. I recently became XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX  after being XXXX and have been paying on bills that are behind. I called XXXX XXXX and learned that they sent my account to collections. I've had about 6 interactions with Credit Control, the first I disputed the account because I didn't receive a bill to dispute, the second I had for a settlement and asked the account to be returned to the original credit which they denied and I called again to see if they would accept a credit card payment and they agreed. I called today for XX/XX/XXXX they hung up and I had to call back then, I reached a XXXX XXXX. I gave my name and I stated I was calling to make a partial payment. She asked me for my phone number, I gave it, she asked for an account number I provided the XXXX XXXX Account Number and then I gave her the Credit Control number and then she gave me the balance. I told her I wanted to pay 1/2 and she immediately told me I could not pay a partial payment towards a settlement and that was their policy. I told her that is not so and as long as I pay the full settlement before the date I could and if I did not it would be void. I asked for a Supervisor, she continued to speak I again explained to her that her and I were not getting along and to please place a supervisor on the line. She didn't attempt to place me on hold or anything she just nonchalantly stated someone would call me back, I asked for her name she stated XXXX XXXX I confirmed if she was the only XXXX XXXX in the office she said yes and that XXXX XXXX or a XXXX XXXX would contact me. I then called XXXX XXXX and they accepted my partial payment, I spoke to a XXXX XXXX who gladly accepted my payment confirmation number XXXX Credit Credit if you work on contingency you will not be receiving credit for this payment or the next one because I will pay them instead of your office.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: EQUIFAX, INC.
State: UT

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX account XXXX XXXX as violated my rights..After removing these items from my credit reports and phone calls after phone calls it is starting to take a toll on me and my family to be very stressful.CBE GROUP AS POSTED THESE NEGATIVE ON ALL THREE CREDIT REPORTS XXXX, EQUIFAX AND XXXX 
15 U.S.C 1681 Section A-States I have right to privacy.

15 U.S.C 1681 Section 2-States It also states a consumer reporting agency can not furnish a account without my written instruction... 
XXXX XXXX XXXX XXXX XXXX and {$1000.00} sorry i don't have accounts number... 
Equifax- XXXX XXXX  amount are XXXX AND {$1000.00} XXXX XXXX  amount are XXXX and {$1000.00} With all these going back n forth with XXXX XXXX remove then put it back on my reports is affecting my personal life to very stressfull and not answering my phone to unknown number. Please for the help to have them remove these items from all 3 credit report and Thank you for your time and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: WI

Complaint narrative:
I have tried to have them send me information about my owed debt with a break down. They told me that there was no way of sending this information ( XX/XX/22 ). They didn't disclose that they were placing interest on my owed debt or explain anything about my owed debt. They claim that the provider is the one that is placing interest on my owed debt. I have talked to the provider that I owe the debt to, and they told me they do not put any interest on my debt. They also, will not send you confirmation when stopping auto payments or any other information you ask for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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 — Problem with personal statement of dispute
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
Do NOT, I repeat, DO NOT! Get an auto loan through santander. I sent in a payoff check to pay off my loan in full when I refinanced with XXXX XXXX because I am a veteran and get a better rate with them, and was hit with a late payment. I called to rectify the situation and sent in the promissory note from XXXX XXXX  to show that the check was sent in time and shouldn't have resulted in a late payment, but the still dinged my credit report with a late payment. They do not work with their customers, they do not operate ethically, they were just sued in XXXX for credit reporting violations in connection to their auto loans but the Consumer Financial Protection Bureau. They were also sued in XXXX for illegal overdraft practices. They take any opportunity they can to prey on their consumers. They are the prime example of a predatory company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: ND

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. 
XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # : XXXX XXXX XXXX XXXXAccount # XXXX XXXX XXXX Account # XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # : XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc.
State: TN

Complaint narrative:
I have asked them to send me a letter, and they have yet to do so. They speak in a manner that is hostile, saying it is an urgent criminal legal matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
In XXXX and in XXXX, I contacted Homepoint Financial to inform them that my direct deposits were not reaching my new bank and they allowed me to place my account in forbearance for up to six months. I only needed it until SSA, DOD, VA and OPM routed my retirement payments and death annuities to my new bank account. I also requested, to no avail that the late payment they reported be deleted as a goodwill adjustment and they had me send a letter to them and said my request would be honored. 

In XX/XX/2021, my account with XXXX XXXX  was accessed fraudulently on three occasions, forcing me to change banks since the response from the bank was not timely and they do not have branches to go into and are online only. 

All of my direct deposits had to be routed to the new bank. Prior to XXXX, when a late payment was reported, I had never missed a payment and payments for my mortgage were drafted automatically like clockwork. I sent a goodwill adjustment letter and it was not honored. No removal of the late payment, despite NEVER missing a payment previously was taken into account. I just got a generic letter. 

After four months of back and forth, in XXXX, all of my deposits were posted to my account and I called on XX/XX/XXXX to pay the entire balance due on my loan. My loan had just been transferred to a new lender so I called them, set up the account and paid the loan current and had them to take the account off forbearance. 

I have over {$300000.00} in equity in my home and want to do a HELOC. This one late dropped my credit score considerably, despite me paying all my credit cards to a {$0.00} balance. Now that I have a new lender, I have a chance for a fresh start and want the late removed from all of my credit reports as a one time courtesy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Auto was paid in Full for a lease that was turned into a loan and then charged off despite active military obligations and COVID. We were just contacted by the bank that they haven't even cashed the check sent to them to clear the balance and show paid instead of charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of below Inquiries has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Mortgage Company : Inquiry date XX/XX/XXXX has violated my rights. 

XXXX XXXXXXXX Mortgage Reporters : Inquiry date XXXX, XXXX has violated my rights. 

XXXX XXXXXXXX XXXX Credit Cards : Inquiry date XX/XX/XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I started the problem on my own. I have a XXXX store card and the company sold there account to a different handle. I pay through my bank online bill pay and didn't delete the old account once I put the new account in. I paid to the old company holding the card, and when I was notified that I didn't make my payment I started questioning it. I found that I paid to the old holder of the account {$240.00}. I tried calling the old account and would just get transferred to the new place. The new place told me to email the bank transactions that were sent to the old account so I did. Then they told me I had to mail it in. They still say they never received it. I have paid off my account and they closed it because they didn't like the way I spoke to them on the phone. However, I never got my {$240.00} back in which they said they would get it from the old company that handled the account prior to them taking it over. Not only did I pay late fees, but also the balance twice. I will never get a card handle by community again. I have attached the two transactions going to the old account number from my bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-20 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX-account # XXXX ), has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-20 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX-account # XXXX ), has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation