vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have continuously had an issue each time I make a payment on my Synchrony Credit Card. I have made each payment on this card early as I wanted to ensure that I pay as little interest as possible on my purchase. Each time I have made the payment early, there has been some mishandling or reason given why I still receive a late fee, but I can usually call in and they waive the late fee because they see the payment was made EARLY on the account and they deem it a system error. On last month, I was told that Care Credit does not accept early payments and I needed to make the payment after the due date for the previous month which is the XXXX. So on XX/XX/XXXX, i made a payment for the XXXX bill. On XX/XX/XXXX, i received a payment reminder which prompted me to chat in with an agent to see why my XX/XX/XXXX payment had not been applied to the XXXX bill as i was told it would be since i made the payment after the XXXX due date and the XXXX bill was already paid in XXXX. I was then told that the bill can't be paid early or the payment will not count. WHAT SENSE DOES THAT MAKE? Then i was told that the payment had to be made AFTER the next cycle generates which is after the XXXX. Even though when i made a payment on XX/XX/XXXX for the XXXX XXXX, I was still told that the XXXX payment wasn't made because they were initially counting the XXXX payment for XXXX ... however I didn't have a bill in XXXX because I opened the account on XX/XX/XXXX. 

There is always some kind of deceptive and unclear fees and terms with this credit card. If the due date is the XXXX of each month, why is it that i have to wait until after the XXXX of the previous month to make the payment by the XXXX. That is not a full 30 day payment cycle. And i'm continuously being assessed a late fee even though i am paying the bill each month early or on time. 

on XX/XX/year> I was told by XXXX XXXX who was extremely helpful and thorough that my next payment is not due until XX/XX/XXXX because she adjusted my payment to reflect on the XXXX bill since I had made the payment after the XXXX due date to try to pay the XXXX bill early... only to be XXXX XX/XX/XXXX that i have a late fee and still have a payment due.

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 2024-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
I was previously serviced by XXXX loans on auto pay for the previous 7 years. On XX/XX/scrub>XXXX my loan servicing was transferred to PennyMac for loan servicing. I contacted them on XX/XX/year>, to setup auto payments. During this conversation a PennyMac representative ( XXXX ) presented a bi-weekly payment program. During this conversation I was informed I would need to make 1 month payment to be eligible for enrollment. While on the phone I gave my bank account information and listened for approximately 15-20 minutes as he read the required disclosure documents. After reading the information the representative informed me my next payment would be due on XX/XX/year> in the amount {$1200.00}. On XX/XX/year> in noticed PennyMac had not drafted the first bi-weekly I reached out to their customer support. During this call I was informed my account had been suspended and I was not eligible for the bi-weekly program. This call lasted for approximately 1 hour 20 minutes of the representative trying to explain how the system would not draft my account because I would now be required to pay 2 months in advance to be eligible for the bi-weekly program. I explained to him that this was not what I was told when I setup the account. Because he continued to repeat the same prompts off of his screen I asked him to escalate my concerns to a supervisor and call me the next day with solution. When I spoke with PennyMac the following day I asked him to please listen to the recording to confirm what I was told by their representative. The following day I received another call from PennyMac highest member of their escalation team acknowledging their employee misrepresented the bi-weekly program on XX/XX/year>, and their was nothing they could do to resolve my concerns. I feel PennyMac is in breach of contract because acceptance of my payment on XX/XX/scrub>XXXX agreeing to the disclosure documents, and receiving a Welcome email on XX/XX/year>, was a binding agreement they have not upheld on their behalf. As a result I would like to made whole and compensated for the financial misrepresentation. Please let me know how to best proceed with my complaint? I look forward to hearing your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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 Systems,Inc.
State: CA

Complaint narrative:
I have a collections account on my credit report that does not belong to me. I called the collections company and they stated that the social security number on the account was different from mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CONTRACT CALLERS INC
State: NC

Complaint narrative:
Contracts callers Inc. is supplying incorrect information to my consumer report. They have not provided any verification of the alleged debt or validation. They have not supplied any contracts with my wedding signature. They also did not receive consent to report any information on my consumer report. I have never done any business with them whatsoever. They are violating my consumer rights as per the FCRA, the FDCPA, and The Privacy Act 1974. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have had 6 private loans originally secured from XXXX XXXX totaling {$60000.00}. 4 were forgiven in 2022 and 2 remain a total of {$100.00}, XXXX. That's more than tripled in interest from two loans of {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Mid-Atlantic Finance Co., Inc.
State: TX

Complaint narrative:
Vehicle was sold to me with mechanical issues, dealer did not want to help me fix it so I called them to come and pick up vehicle, they sold vehicle in auction and still trying to charge me full price

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: MD

Complaint narrative:
I am not associated with the creditors mentioned, and I did not initiate these inquiries.

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 2024-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I was on a XXXX  tour in XXXX on XXXX XXXX and there was a little tequila shop and we wanted to buy two bottles of tequila to bring back with us and when we purchased the items we paid supposedly XXXX pesos however the charges to my account were US {$500.00}. 
I have reached out to the bank and let them know what happened, and without any further information, they simply denied the claim. Ive tried to look up the store and XXXXXXXX XXXX doesnt have anything. I have reached out to the XXXX XXXX XXXXnd they dont know what the company is supposedly as well as reached out to an attorney, but they cant find anything. I even looked up the vendor that shows up on my checking account and theres nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments reported were due to an internal error in XXXX  XXXX payment processing system. My payments were made on time, as confirmed by my bank records, but were incorrectly posted late due to a delay in the creditors system. This clerical error resulted in my account being marked as XXXX and 60 days late, which is inaccurate and has unjustly affected my credit report. 
Evidence provided : Bank statement showing the payments made on time. 
Confirmation from XXXX  XXXX acknowledging the processing error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to request a reinvestigation of the following items ) on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. XXXX XXXX XXXX  is an Unauthorized account I have never signed a contract or have any knowledge of this account. XXXX XXXX XXXX  must provide the purchase agreement barring wet ink signatures of both parties involved, mine and XXXX XXXX XXXX. If this document isnt published this account should be deleted under the FCRA Act.

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 2024-09-13 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: FL

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.

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 2024-09-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$11000.00} XX/XX/year> 15 U.S.C, 1681section 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 an 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 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 2024-09-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$11000.00} XX/XX/year> 15 U.S.C, 1681section 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 an 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 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 2024-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I need clarification regarding the recent restriction placed on my account for allegedly selling XXXX explicit materials and for holding my money for 180 days. I have provided all the necessary documents to prove that my business focuses on selling digital drawing guidelines. Additionally, I submitted a valid ID and my website information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments reported were due to an internal error in XXXX  XXXX payment processing system. My payments were made on time, as confirmed by my bank records, but were incorrectly posted late due to a delay in the creditors system. This clerical error resulted in my account being marked as 30 and 60 days late, which is inaccurate and has unjustly affected my credit report.

Evidence provided : Bank statement showing the payments made on time. 
Confirmation from XXXX  XXXX acknowledging the processing error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments reported were due to an internal error in XXXX  XXXX payment processing system. My payments were made on time, as confirmed by my bank records, but were incorrectly posted late due to a delay in the creditors system. This clerical error resulted in my account being marked as 30 and 60 days late, which is inaccurate and has unjustly affected my credit report. 
Evidence provided : Bank statement showing the payments made on time. 
Confirmation from XXXX XXXX acknowledging the processing error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: IL

Complaint narrative:
100 % fraud Use my wife to send money different account number such as XXXX XXXX  to and fraudulent mark easy to withdraw without see direct deposit we received after the account is XXXX balance or short before pay Phone service XXXX This hang up phone very rude behavior. Talk like unprofessional customer service Want them alll my money back All the transactions related XXXX XXXX XXXX XXXX transfer All need my money back

Company response to consumer: Closed with explanation