vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-04 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: MO

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.

15 USC 1681 Section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: MO

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.

15 USC 1681 Section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I went to a Chase ATM on XX/XX/22 around XXXX and deposited {$220.00} dollars in cash. The ATM gave me no receipt and my account did not update with the cash deposit online. I noted the Terminal ID on the screen : XXXX. I've sent messages through my online banking profile with Chase about the issue. I'm also currently on hold with customer care. 
I was on hold for XXXX minutes when someone finally answered, I told them the problem, and then they immediately put me back on hold with no explanation of a possible solution or what next steps would be. It's now been an additional XXXX minutes of hold time. I understand that my complaint may be premature and possibly may be resolved by Chase... but I'm taking no chances. I can't be on hold all day as I have to leave for work at XXXX and it's currently XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I have proof that XXXX XXXX and XXXX should be off my credit report. I have a screenshot proving the Comenity account was paid off. I have a screenshot showing XXXX XXXX was taken off my credit. Both screenshots are from XXXX and XXXX sites themselves. Now Im fighting to get this off my credit again. The credit agencies are not doing their jobs. These companies are not validating this debt. Im getting tired.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
Spring Oaks Capital LLC has violated my consumer rights and are illegally attempting to collect a debt in a state that they arent licensed in. Due to this fraudulence, I would like this account removed from all three of my consumer reporting agencies reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
XX/XX/XXXX - Took a {$240000.00} mortgage with XXXX XXXX to consolidate mortgage, home equity line of credit and other debt. Interest rate 8.775 %. Poor credit caused the rate to be high. Payments {$2200.00} ( principal, interest, real estate and home owners insurance ) XX/XX/XXXX - after XXXX months of consideration process with then mortgage holder Selene Finance, XXXX and streamline modification granted taking the payments of {$2200.00} to {$2600.00} First payment due XX/XX/XXXX The new payment included all of the interest, fees assessed, et al. Contacted Selene to explain the purpose of the modification request was to lower the payments. Could not afford the {$2200.00} how was {$2600.00} or 17 % increase plausible? 

XX/XX/XXXX - enlisted the services of XXXX XXXX XXXX to mediate on my behalf ( {$800.00} monthly fee. The original package supplied a Notice of Demand as to the predatory lending practices of Selene. The demand letter stated ( in part ) " ... have concluded that { we } can successfully plead cause of actions for legal violations under truth-in-lending act is associated Reg Z the consumer fraud protection act, common law fraud, unjust enrichment and the covenant of good faith and fair dealing ... '' in closing Intel order or verdict rescinding the transactions, award of any attorney fees, costs, return of all paid interest and closing costs. Statutory damages ; lawful interest ; compensatory and/or punitive damages ; cost of suit ; any other relief as the Court may deem equitable and just. Separate letter Qualified Written Request under the Federal servicer act. 
Both attempts- with Selene LP and XXXX - needed to submit a Hardship Letter. Both entities were made well aware of my mental health disability.

Was self-employed. ( as an LLC which has been dissolved ) Cleaning service for summer rental was halved in XXXX. Did not work during the COVID summer season and was eligible to receive monthly benefits by means of the CARE Act and XXXX program XX/XX/XXXX - my doctor placed me on temporary disability currently no determinable return ( if at all ) date. 

XX/XX/XXXX - spoke with XXXX as to why I would be getting the affidavit of intent to foreclosure. THEN it was communicated the letter or qualified written request were filed with Selene. No communication in any manner has been made with Selene and there are no attorneys at XXXX XX/XX/XXXX -Served by the Superior Court of New Jersey Chancery Division XXXX Foreclosure complaint The Court needs a reply within XXXX days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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

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 2022-12-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Over 45 days ago sent in letters to the bureaus informing them about inaccurate items reporting to my credit profile and I have yet to hear anything from them. I feel like I am being taken advantage of and the matter at hand is not being taken seriously. They are in major violation, and this have caused me a huge amount of stress. I will take this matter to court if I have to. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: SC

Complaint narrative:
IN THE PAST 6 MONTHS I HAVE SENT XXXX, TRANSUNION, AND XXXX SEVERAL LETTERS IN REFERENCE TO ACCOUNTS ON MY CREDIT REPORT THAT ARE BEING INACCURATELY REPORTED AND HURTING MY CREDIT SCORE AND REPUTATION. ALL 3 CREDIT BEAURUS HAVE SENT LETTERS BACK SAYING THAT THEY HAVE THOROUGHLY INVESTIGATED EACH ACCOUNT AND HAVE VERIFIED THAT THEY ARE XXXX PERCENT ACCURATE. BUT HOW CAN THIS BE IF ALL THE ACCOUNTS ARE STILL SHOWING DIFFERENT INFORMATION SUCH AS DIFFERENT REPORTING DATES, AND DIFFERENT BALANCES AND SOME OF THE INFORMATION IS NOT EVEN REPORTING TO THE CREDIT BEAURUS. THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY CONSIDERING THE FACT THAT THEY ARE REPORTING INACCURATELY AND THE INVESTIGATION TOOK LONGER THAN 30 DAYS.

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 2022-12-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I opened a samclub card in XX/XX/2022. I used it and charged XXXX and then paid it in full before the due date. I finally get my card amd went to use it amd them told my account was closes. I have had synchrony cards in the past and they are known fir this action. Thy will just randomly close your cards saying you are a risk of not paying. Funny how can you be a risk of not paying when you are paying your bills on time. I have seen this complaint on different complaint boards but this time I wanted to put the complaint in on my own.

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 2022-12-04 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX # 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

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 2022-12-04 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: NC

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 2022-12-04 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: NC

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-12-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I sent letters to the credit bureaus on XX/XX/2022 regarding inaccurate and unknown things on my credit report. To this day, over 45 days after, I have not received a response. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days, so they should be removed now. This inaccuracy is preventing me from pursuing my school career and is holding me back from getting approved for things I need for school. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person. I will file for litigation if I have to. Please resolve these issues with 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 2022-12-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I sent letters to the credit bureaus on XX/XX/2022 regarding inaccurate and unknown things on my credit report. To this day, over 45 days after, I have not received a response. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days, so they should be removed now. This inaccuracy is preventing me from pursuing my school career and is holding me back from getting approved for things I need for school. My information was also impacted by the Equifax data breach and may have got in the hands of the wrong person. I will file for litigation if I have to. Please resolve these issues with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I was given a Garnishment XXXX  work for the following card : Midland Funding LLC aka Midland Credit Management who has now taken over the company and/or debt.

I have written ( Certified receipt ) to the company and asked them to send me information on the original contract and to show my original signature to prove it was my debt. 

I have also joined a credit system company to get my finances in order as well as my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: SC

Complaint narrative:
IN THE PAST 6 MONTHS I HAVE SENT EQUIFAX, XXXX, AND XXXX SEVERAL LETTERS IN REFERENCE TO ACCOUNTS ON MY CREDIT REPORT THAT ARE BEING INACCURATELY REPORTED AND HURTING MY CREDIT SCORE AND REPUTATION. ALL 3 CREDIT BEAURUS HAVE SENT LETTERS BACK SAYING THAT THEY HAVE THOROUGHLY INVESTIGATED EACH ACCOUNT AND HAVE VERIFIED THAT THEY ARE 100 PERCENT ACCURATE. BUT HOW CAN THIS BE IF ALL THE ACCOUNTS ARE STILL SHOWING DIFFERENT INFORMATION SUCH AS DIFFERENT REPORTING DATES, AND DIFFERENT BALANCES AND SOME OF THE INFORMATION IS NOT EVEN REPORTING TO THE CREDIT BEAURUS. THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY CONSIDERING THE FACT THAT THEY ARE REPORTING INACCURATELY AND THE INVESTIGATION TOOK LONGER THAN 30 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was charged {$7.00} interest on XX/XX/2022 in the statement closed on XX/XX/2022. When I called credit card company on XX/XX/2022 and inquired about the interest, I was told above interest pertains to the foreign transaction fees ( total {$63.00} ) posted in the statement closed on XX/XX/2022. However, the credit card already reversed the full amount of above mentioned transaction fee on XX/XX/2022 following a conversation I had with them on XX/XX/2022. 

When I asked them why they charge interest for a charge that's already reversed. I was told they charge interest based on the statement balance in spite of further changes after the statement was issued. In another word, in order to avoid interest, I would have to pay for the fee in the statement balance even if this very same fee got reversed after the statement was issued. The thing is the credit card company didn't tell me that when I spoke with them on XX/XX/2022 during which they agreed to reverse the foreign transaction fee.

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 2022-12-04 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: CA

Complaint narrative:
Ref : XXXX - Filed and Submitted to the CFPB on XX/XX/XXXX Starting in XX/XX/XXXX I requested the original loan paperwork from a new servicing company XXXX - this was after my loan was transferred from XXXX XXXX XXXX XXXX XXXX no payments were missed during this time and the payback period started as soon as the loan was disbursed. The company has not been able to provide the original loan information and is now listed loan as a variable rate. The account transfer was complete I started receiving monthly interest rate increase notices on a monthly basis, the letter mentions the interest rate increase is effective the day the letter was issued. When asked for the payment history company said that they have not been able to locate the payment history or paper work from the previous provider. 

FROM XXXX - XXXX XXXX XXXX On the Last Day the Complaint was Open - XXXX was unable to obtain the information from the loan owner because the documents are unavailable. We sincerely apologize for the inconvenience experienced as a result of the matter. Lastly, as a result of late payments, unfavorable information was submitted to the consumer reporting agencies for XX/XX/XXXX through XX/XX/XXXX. 

FROM XXXX - XXXX Dated XX/XX/XXXX ( Only Letter Received About Any Debt ) An attempt to change the loans instress rate to 0 % backdated to XX/XX/XXXX, in order to collect debt but no amount or other information is provided... 

The Letter States - " This letter is for Information Purpurposes and it not an attempt to collect '' At the bottom of the letter : " This is a communication from XXXX Back XXXX, NA with XXXX be considered a debt collector. "

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 2022-12-04 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: CA

Complaint narrative:
Ref : XXXX - Filed and Submitted to the CFPB on XX/XX/XXXX Starting in XX/XX/XXXX I requested the original loan paperwork from a new servicing company XXXX - this was after my loan was transferred from XXXX XXXX XXXX XXXX XXXX no payments were missed during this time and the payback period started as soon as the loan was disbursed. The company has not been able to provide the original loan information and is now listed loan as a variable rate. The account transfer was complete I started receiving monthly interest rate increase notices on a monthly basis, the letter mentions the interest rate increase is effective the day the letter was issued. When asked for the payment history company said that they have not been able to locate the payment history or paper work from the previous provider. 

FROM XXXX - XXXX XXXX XXXX On the Last Day the Complaint was Open - XXXX was XXXX to obtain the information from the loan owner because the documents are unavailable. We sincerely apologize for the inconvenience experienced as a result of the matter. Lastly, as a result of late payments, unfavorable information was submitted to the consumer reporting agencies for XX/XX/XXXX through XX/XX/XXXX. 

FROM XXXX - XXXX Dated XX/XX/XXXX ( Only Letter Received About Any Debt ) An attempt to change the loans XXXX rate to 0 % backdated to XX/XX/XXXX, in order to collect debt but no amount or other information is provided... 

The Letter States - " This letter is for Information Purpurposes and it not an attempt to collect '' At the bottom of the letter : " This is a communication from XXXX XXXX  XXXX, XXXX with may be considered a debt collector. "

Company response to consumer: Closed with explanation