vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2022 I submitted a letter correcting personal information and also disputing errors with the following accounts. NOTHING WAS DONE THEY DIDN'T EVEN INFORM ME THAT THESE WERE BEING DISPUTED WHICH IS ANOTHER VIOLATON They are violating the following Consumer Rights Laws : 15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without the written consent/permissible permission.

15 USC 1666 ( b ) - A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose 15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of Any other adverse item of information
, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-1 ( a ) ( 1 ) ( A ) - 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. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I received a letter on XXXX from Comenity Capital Bank. The letter told me that Comenity had denied my application for a credit card. I did not make an application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2021 XXXX of my pets had to have XXXX XXXXXXXX and I used my care credit and I was Charged XXXX. I used my card a couple more times at the same Vet with charges ranging in $ XXXX and I was given the a promotion for XXXX months. on the larger balance of XXXX I was given XXXX  months. I find that very unfair smaller charges longer time to pay and larger charges give least amount to pay so the customer can get all that interest charged. 

I spoke with care credit on several occasion and they directed me to go back to the Vet and have them change the promotion time, they tried but they do not have that option to go back and give me the XXXX  months so I call care credit back and now they tell me its to late to make any changes. I have had no help it is very sad especially with the hard times we are living it makes people not want to even pay. I have been going back and forth for month and now I was just charge all that interest. unfair.

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 2022-12-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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.

15 U.S. Code 1681i - Procedure in case of disputed accuracy.

4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.

5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Account name : XXXXXXXX XXXX Account number # XXXX has violated numerous codes inaccurate dates, balances and account types I will be uploading pictures underneath i demand a investigation and need this to be deleted off my credit report immediately due to violating section XXXX because it is incorrect or unverifiable.

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 2022-12-21 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: TX

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681. 

XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX 15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 information, other than records of convictions of crimes which antedates the report by more than XXXX 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 have reasonable cause to believe that the information is inaccurate.

THEY HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.

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 2022-12-21 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
XXXX XXXX indicated loan was on deferment, then reinstated it without telling our son. As a co-borrower, XXXX payments were listed as late and this has effected credit rating. When my son found out the loan was reinstated, he tried to pay, but their electronic system was down, and they issued another late payment on our 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 2022-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Back in XX/XX/XXXX I applied for a $ XXXX installment loan through Synchrony Bank to pay for a medical procedure. They were offering XXXX  months no interest financing as a special offer. When I was approved for this special offer I added my payment information and setup my payment which I thought was setup to pay off the loan over the XXXX  month special offer. There was no other payment amount provided to me at that time except to pay off the full balance or manually enter an amount in. My assumption was that this loan was paid off in full as of XX/XX/XXXX given that I have never missed a payment and everything was setup to be paid off. In reality, the payment option they provided doesn't fully pay off the entire balance of the loan so in XX/XX/XXXX I still had around $ XXXX in balance outstanding. My promotional offer expired and they added {$5000.00} in back interest at XXXX  % interest from the previous XXXX months to my balance. My total balance is now back right where it started and I owe just shy of $ XXXX in outstanding balance with the added interest. I called to talk through this with them and explain what happened but they were unwilling to help in anyway and said that they had sent communication this was happening back in XXXX. I went back to the email they sent and it never mentions that they were going to add {$5000.00} in interest at that time to my balance. I would have just paid off the remaining $ XXXX in outstanding balance and been done with it. The email they sent was just a standard " here is your monthly payment amount '' email. You have to go into the statement and look at the very bottom of the XXXX page below all the main financial info to find out that they are going to add all this interest. This to me just doesn't seem right and I think I should be given the opportunity to pay off the balance of the loan minus the extreme interest that was added without my knowledge.

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 2022-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
USAA is actively harassing me. I received a phone call on XX/XX/2022 from a " XXXX XXXX XXXX informed me that they have not " changed their position '' from a disputed transaction that I submitted months ago. This phone call was unsolicited and served absolutely no legitimate purpose. Prior to this phone call, I explicitly told USAA to never directly contact me again for similar related harassment concerns. I am being repeatedly harassed after having informed them I do not want to be contacted under any circumstance. 

To further clarify, this complaint is not about a credit card dispute I've attempted to resolve with USAA within the last XXXX months. This is a new complaint that specifically identifies ongoing harassment from USAA employees to myself. I state this because despite my various other complaints submitted that addressed a variety of ranging issues, I continuously received the exact same copy/paste response to all of them that did not address any of the new points within those concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
In XXXX of this year I received a letter in the mail from the State of California about unclaimed money ( approximately {$530.00}, from an XXXX XXXX XXXXXXXX account ) that belonged to me. I contacted Bank of America, where the account was held, and asked them to please mail me a check at my new address. The bank agreed and said the check would arrive in XXXX business weeks. It is now 9 months later and I have not received my money. I am XXXX XXXXXXXX and this having this money would make a real difference to me here at XXXX time.

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 2022-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
you resently resieved and validated a dispute you neither looked at or choose to believe.. 
report # XXXX on this despute i provided your company with a desposition from the XXXX XXXX court house XXXX XXXX # XXXX on the paper work it states that i was XXXX  for this case on XXXX XXXX.. public records will show i was XXXX  originally to 7 years on XXXX XXXX yet your record state that opened this line of credit on XX/XX/2016 and mae a payment on XXXX XXXX and XXXX of XXXX i mean that report can clearly see that your company is either stupid or commiting fraud. please provide how and when i made a payment from XXXX  and how i opened a credit card in XXXX??? 
not only that but if u would have took the time to check my credit report which is public information it states where my location was .. so please tell me where was mail being mailed too???? obviously your company is commiting fraud. please stop your fraudelent activity, i have provided u with necessary proof to show you that i obviously didnt open a credit card in XXXX.. so please remove this fake credit reports that are causing me hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: DC

Complaint narrative:
I have made a complaint with CFPB, with the right result to remove/deletXXXX XXXX XXXX XXXXXXXX off my credit report due to improper use. If CFPB agreed that it should be remove why is it still on my report..Here is the complaints ID XXXX Equifax, XXXX XXXX and XXXX XXXX which is still open. This is the same student loan that was supposed to be remove and not renamed. 
I Have never sign anything I have no knowledge of that account and never made a payment like they have stated. Wrong and inaccurate information is a cause to be remove again..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
Account status incorrect showing delinquent account when it's not Those participating in this fraudulent innacurate reporting. 
XXXX XXXX XXXX AMERICAN HONDA FINANCE XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX Has placed fraudulent, inaccurate information on my credit report. 
after reaching out to the company as well as credit reporters no action was taken. I correct balances have been reported. XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I was XXXX XXXX XXXX XXXX XXXX XXXX. I did have insurance and they told me they submitted everything through insurance which insurance said they had not. I only ever received XXXX bill I contacted them attempting to make a payment plan even though it was not processed through insurance properly. They said I would only have 12 months to pay and I would owe over {$1000.00} a month. I then made a payment and never received another bill again until now seeing this XXXX my credit. This is absolutely XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Dear Sir, This is in reference to monthly Mortgage Payment to PHH Mortgage. I am a very good in making mortgage payments on time with zero delay in payment history except during XXXX XXXX when I lost my job. On XX/XX/XXXX, I tried to make mortgage payment by phone or on their website but that was not accepted so I mailed a payment by check on XX/XX/2022 to their XXXX XXXX XXXX. I spoke with them on XX/XX/XXXX to inquire receipt of check but the representative said that it did not showed up yet in their facility and she gladly accept payment on phone and promised to use check against XXXX Installment. The check was cashed on XX/XX/XXXX but they did not credit it to my account. I called them and they said they never receive this check, then I discuss this matter with their supervisor ( XXXX ID # XXXX ) and send is all the proofs. He suggested to take this matter with XXXX bank ( Issuer ). I went to the XXXX bank and they gave me a form to file fraud claim which need to be signed by me and PHH mortgage Services so I can get my money back but its almost XXXX weeks, I am not getting any response from PHH Mortgage. Every day I sent them Emails and tried to contact them on phone requesting to help me but no response. Please 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 2022-12-21 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: TX

Complaint narrative:
This letter is a formal complaint against XXXX XXXX They have repeatedly violated my rights and the Fair Credit Reporting Act. I submitted a formal request for information, which was perfectly within my rights to do, and yet, you have failed to send that information. They send follow up questions about what account I am referring about. Since their letter states that they've actually received my dispute from the credit bureaus regarding this account, then they must already have my social security number, my full name, as well as the full account number and any other pertinent details for this item in which they allege I owe or else they wouldnt be reporting it. 

They have only provided some of the information requested which leaves a lot of gaps and holes in what I need to know. The little bit of information you sent has only led to more questions for 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 non-monetary relief
Consumer complaint received 2022-12-21 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: TX

Complaint narrative:
This letter is a formal complaint against XXXX XXXX They have repeatedly violated my rights and the Fair Credit Reporting Act. I submitted a formal request for information, which was perfectly within my rights to do, and yet, you have failed to send that information. They send follow up questions about what account I am referring about. Since their letter states that they've actually received my dispute from the credit bureaus regarding this account, then they must already have my social security number, my full name, as well as the full account number and any other pertinent details for this item in which they allege I owe or else they wouldnt be reporting it. 

They have only provided some of the information requested which leaves a lot of gaps and holes in what I need to know. The little bit of information you sent has only led to more questions for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: TX

Complaint narrative:
This letter is a formal complaint against XXXX XXXX They have repeatedly violated my rights and the Fair Credit Reporting Act. I submitted a formal request for information, which was perfectly within my rights to do, and yet, you have failed to send that information. They send follow up questions about what account I am referring about. Since their letter states that they've actually received my dispute from the credit bureaus regarding this account, then they must already have my social security number, my full name, as well as the full account number and any other pertinent details for this item in which they allege I owe or else they wouldnt be reporting it. 

They have only provided some of the information requested which leaves a lot of gaps and holes in what I need to know. The little bit of information you sent has only led to more questions for 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