vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AR Resources, Inc.
State: IA

Complaint narrative:
AR resources has been calling using automated services asking for me by my previous married name which I havent been since XXXX. I have told them to stop calling me because they wont give me proof of debt or anything even though they said they mailed stuff. I asked them to stop contacting me and they are calling me all hours of the night and the lady this morning told me to just pay my debts and they wouldnt have to deal with me! I dont owe anything! They WONT STOP CALLING!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX  XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX, and so on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Had my XXXX XXXX send a full payment check ( {$3500.00} ) based on the last statement I received ) to TJ Maxx/TJX Co to pay off and close my account on XXXX XXXX2023. 
-Got XXXX statement with same debt showing. Called, was told the check was not received. Called back, was told the check could take 15-30 days to process because it was for more than I normally paid. 
-Called back and was told I didn't owe {$3500.00}, so was issued check # XXXX in the amount of {$200.00}, but still my initial check was not recieved. 
XXXX23 received letter stating they could not find the check, so they were re-billing my account for {$3500.00}. 
XXXX23 was told that the holdup was because a check was sent, and that I could pay the new balance of {$2800.00} via credit/debit card. Which I did pay via my XXXX. 
XXXX23 was told they received the {$3500.00} payment on XX/XX/23. 
-I requested a refund of the {$3500.00}, because I had paid them what they told me I owed them -- {$2800.00}. Received check # XXXX dated XX/XX/23 refunding the check they had said they never recieved! 
XXXX23 TJX sent another statement re-charging me for {$3500.00}. 
-I called speaking with a manager for 35 minutes who said she found the error and that new documentation would follow. 
-My next statement had an amount due of {$720.00}. When I called the manager back She told me that each time I called to dispute, they put a {$360.00} 'credit ' on my account! Not only was I not informed that was being done in previous conversations, I never requested it! It was done only the 2 times I spoke with the credit manager! 
-When I asked why they would put a crdit on my account that I was trying to pay off, she said that was how they do business. I told her I had paid off 2 other Synchrony Bank-funded accounts, and had NO problems with them accepting my large payments or crediting my account! 
-Since that conversation, I continue to recieve statements with late charges and interest added each month. 
-Bottom line, because I am over XXXX, I feel cheated, penalized and taken advantage of -- told her so -- and told her I could NOT and would not pay them any more money as I am on fixed income and had borrowed money to make payments to XXXX other creditors with which I no problems. 
Please help me cause this is showing up as 'delinquint ' on my credit reports, and is causing my rating to be reduced. 
-I am starting with your company, but will contact the officers of TJX Co. and Synchrony Back to let them know how their customer are bing treated.

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
i am not delinquent.

i paid on time the moment i got my credit card statement on XX/XX/XXXX. 

i did not get statements before!! 


XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX SSN XXXX XXXX : XX/XX/XXXX Complaint : Hello, I only got my Statement by mail on XX/XX/XXXX, and immediately made payment. I have not received any statements in XXXX or XX/XX/XXXX. 
As such, please issue refund of " interest charge '' and remove any late notation from the credit reporting files at Experian. 
See comments from the XXXX Call I made on XX/XX/XXXX. 
Also, please let Experian credit reporting know that I am 100 % current. 
Please do reply to me. 
Confirm receipt of this Complaint : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XX/XX/XXXX Phone : 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 2024-04-03 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK
State: NC

Complaint narrative:
This account is showing 30 days past due in XX/XX/2024 for {$4400.00}. This account has been paid on time. They are violating the United States Code Law ( TILA 15 U.S, Code 1666 ( 6 ) charos error, XXXX conducting a recent examination XXXX XXXX XXXX ; I discovered a Substantialnts!! number of billing issues under 15 U.S.Code 1666 ( b ) billing error. ( 4 ) The creditor 's inability to truthfullyXXXXdepict an obligation payment or credit that was given to the debtor on a statement. ( 5 ) A computation error or other similarXXXXaccounting error on a creditor 's statement.

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 2024-04-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
These account belong to someone else, Please investigate and remove these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: MI

Complaint narrative:
XXXX is displaying a collection account I never owned.Contacted the original account holder as well as XXXX and the account is still reporting on my credit

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 2024-04-03 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: National Credit Adjusters, LLC
State: MI

Complaint narrative:
XXXX is displaying a collection account I never owned.Contacted the original account holder as well as XXXX and the account is still reporting on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

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 2024-04-03 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: PA

Complaint narrative:
I recently submitted a dispute with no response. I am a victim of identity theft and my rights under the Fair Credit Reporting Act have been violated. I have not received any information regarding this account. A proper investigation was not completed on my behalf, thus if the company can not provide sufficient evidence including but not limited to a contract with signature, I will proceed to file a lawsuit.

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 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
PayPal 's interaction with XXXX XXXX unearths an alarming pattern of financial entanglement when a person registers for the latter 's services and attempts to cancel on the same day. Upon registering with XXXX XXXX, I discovered that my trial subscription had accidentally locked me into a six-month commitment. Despite promptly attempting to cancel, I encountered resistance and was informed that I would be charged the full subscription amount, irrespective of usage. Despite seeking assistance from both PayPal and XXXX XXXX, I found myself unable to resolve the situation, highlighting a troubling trend of users being financially disadvantaged in such scenarios.

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 2024-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
I would like to file a complaint against Flagstar bank. 

On XX/XX/XXXX we spoke with them and made a plan to have a workout option. During that phone call my housing counselor XXXX and I spoke with them and were giving the following option. 

Reduce the delinquent amount by {$10000.00} then submit the remaining amount into a partial claim. We asked a few questions to the person on the phone that he was unable to answer them and needed to reach out to underwriting department. I told him, I would find a way to have the {$10000.00}, he stated that I had till XX/XX/XXXX, to pay this amount. I asked if I needed to submit another loss mitigation application and he stated I did not that my current loss mitigation application from XX/XX/XXXX would be sufficient. 

On XX/XX/XXXX I called to make payment and they told me my home is in foreclosure and they could not receive my payment, they also told me that the fee had increased to {$12.00}, XXXX and that I needed to cover lawyer fees. According to the bank, they attempted to reach out to me. I do not have any correspondence from them about this matter. It feels like Flagstar bank is purposely trying to have me fail and go into foreclosure.

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 2024-04-03 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
After reviewing my credit profile I noticed quite a few inquiries that are not mine.

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 2024-04-03 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: GA

Complaint narrative:
These account belong to someone else, Please investigate and remove these accounts.

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 2024-04-03 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing this letter in reference to my previous dispute submitted to your agency. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved and unverified negative items from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these entries.

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The overwhelming stress and sleep disturbances resulting from this issue are exacerbated by the fact that I have diligently adhered to payment deadlines for this account. It's frustrating to encounter problems for actions I haven't undertaken. I earnestly implore you to swiftly resolve this issue, ensuring that my account accurately reflects the correct information and relieving the unnecessary strain it has caused me.

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

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 2024-04-03 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: MI

Complaint narrative:
Experian is displaying a collection account I never owned.Contacted the original account holder as well as experian and the account is still reporting on my credit

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 2024-04-03 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

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 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I claimed dispute {$80.00} on XX/XX/2023, The US bank claimed they give me provisional credit {$80.00} to my account which I did not see this credit, I deposited my ending balance {$3900.00} to my other bank, but from start to end, I did not receive any dispute credit to my account, but they claim the dispute is denied, and they want {$80.00} credit back and {$30.00} closing fee, which is unreasonable.

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