vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-21 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: MD

Complaint narrative:
We were told, and saw on the information that was provided to us that we had the option of paying no interest and no minimum payments if paid in full within 6 months. When we applied to the card we chose this option. Also, on the most recent statement, in the " Promotional Purchase Summary '' it has " Promotional Expiration Date '' as XX/XX/2022 ( we opened the card in XX/XX/2022 ). In the same section under " Description '' it says Deferred Interest/No Interest or Minimum Payment if Paid in Full. However, we were told that we were supposed to send the first payment on XX/XX/2022, and if we didn't we would incur a late fee. This doesn't make any sense given the terms of the No Interest and No Minimum Payment Option.

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 2022-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I wanted to block all future charges on my credit card. It took 5 days to do this. I was on hold in excess of 25 minutes twice. The automated system did not work.it is very non-professional and frustrated. This credit card was issued by Comenity Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Since XX/XX/2021 I have submitted over 3 disputes with TransUnion XXXX XXXX XXXX, XXXX for an account that has been reporting on my credit after it was included in a settlement for Predatory Practices. On each dispute, I provided supporting documentation and they still refuse to remove it and only stamp it correct/verified by only updating the status, in any of these disputes I never received not on correspondence from the companies listed in this complaint. Per the FCR/FDCPA a notice of dispute is to be placed on any account disputed within 31 days TransUnion & XXXX XXXX XXXX XXXX violated these Federal Laws. Not only are they failing to respond to my dispute, but they have also failed to record this account as being disputed and it has been over 60 days. That in itself is grounds for removal but I also have included all of the documentation showing this specific account met all requirements as a result of the settlement reached due to XXXX 's negligence in practicing. I am requesting the immediate removal of this account due to the violations stated above.

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 2022-07-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Since XX/XX/2021 I have submitted over 3 disputes with XXXX XXXX XXXX XXXX, XXXX for an account that has been reporting on my credit after it was included in a settlement for Predatory Practices. On each dispute, I provided supporting documentation and they still refuse to remove it and only stamp it correct/verified by only updating the status, in any of these disputes I never received not on correspondence from the companies listed in this complaint. Per the FCR/FDCPA a notice of dispute is to be placed on any account disputed within 31 days XXXX & XXXX XXXX XXXX XXXX violated these Federal Laws. Not only are they failing to respond to my dispute, but they have also failed to record this account as being disputed and it has been over 60 days. That in itself is grounds for removal but I also have included all of the documentation showing this specific account met all requirements as a result of the settlement reached due to XXXX 's negligence in practicing. I am requesting the immediate removal of this account due to the violations stated above.

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 2022-07-21 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: LA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights. 

1

5 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2022, I noticed two fraudulent transactions on my Chase bank accounts. One is a check to transfer XXXX dollars from my checking account, and the other is a XXXX dollars cash withdrawal from my small business account. I notified my bank immediately and filed a claim against these two unauthorized transactions. The bank returned the {$2000.00} check to my account, but the {$3500.00} cash withdrawal has not been returned to me. The bank told me that a person in a XXXX XXXX  branch ( XXXX XXXX, XXXX XXXX ) withdrew the cash from my accounts using my driver 's license ID. 

I am disputing the fraudulent withdrawal based on the following facts : 1. The transaction happened in XXXX XXXX on XX/XX/2022, while I live in XXXX, XXXX and have not visited XXXX XXXX in the past few years. 
2. The signature on the withdrawal slip is not mine. 
3. I never lost my ID ; the ID presented in the bank must be fake. 
4. The date in the withdrawal slip is a future date XX/XX/2022, while the transaction happened on XX/XX/2022. It shows how negligent the bank branch was in handling the transaction. 
5. The bank never notified me or sent any text verification code to check the cash withdrawal authentication. 

Based on these facts above, I request the bank credit the fraudulent withdrawal of {$3500.00} to my bank account. Please contact me if you need more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Debt collector called my estranged father indicating I owed over XXXX dollars of debt. As my father did not speak XXXX a minor was put on the phone to translate that is where they provided debt collecting information as well. I called commenity capital bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 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: VA

Complaint narrative:
N accordance with Fair Credit Reporting act XXXX Account XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXXXXXX # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX 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. States : 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 non-monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
The debt was submitted to Jefferson Capital System. I did not have an agreement with this collection agency. I sent a letter of verification to validate this debt on XX/XX/2022. Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of XXXX distress and at the other diminishments of the quality of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

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 2022-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I have asked for the proper documentation numerous times from this company. Ive asked for a audit trail account notes, account ledger or accounting documents. With no reply! They are furnishing illegal information on my consumer report and has not produced the proper documentation I have asked for!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I bought a XXXX XXXX XXXX XXXX Santander USA in XX/XX/XXXX. I fell on hard times during COVID back in XXXX and fell behind on payments as a result. The car was repossessed in XXXX of XXXX because I was behind on payments. My payments were {$330.00} per month. However, I was able to borrow {$4000.00} from my parents to pay the entire balance owed plus the repossession fee which came out to be {$4000.00} a day or so after my car was repossessed. 

Shortly after getting my car back I was hired at another company and I have been making my payments on time every single month ever since. Fast forward to XX/XX/XXXX when I finally made my last car payment and the car is officially paid off. I logged onto my credit report because my score didn't look accurate. It is showing that I don't have a current car loan -- and that my car was charged off last year after I had gotten it back and had been making regular payments. It is showing up as a charge-off and has reported it as a charge-off as recent as XX/XX/XXXX ; which is greatly hurting my credit score. 

I called Santander USA on XX/XX/XXXX and the customer service agent from the XXXX Team informed me that it is against " company policy '' to correct charge-offs once it has been issued -- XXXXeven if the consumer regained the vehicle and has paid the car off. I told her that that was an illegal and unfair business practice to report inaccurate information such as a car being charged-off when it fact the consumer has paid the vehicle off. I told her that I wanted to file a complaint and she informed me that she has logged my comments and concerns on my profile. She issued me an official letter from Santander stating that I have paid the car off in full -- which I have attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
This situation occurred in XX/XX/2016 where I was renting an apartment in XXXX, XXXX During the events of doing the walk through, we noticed spots on the carpet, mold on the walls, outdated appliances and bathroom. We advised the management that these issues need to be fixed prior to moving in. I paid the deposit and first month first for a total of {$1000.00}. When we moved into the apartment, things looked fine. Around 2 weeks later, I noticed the the stain in the carpet had gotten bigger and the wallpaper was peeling, revealing the mold. The maintenance department was called at least 3 times for various of reasons. Around XX/XX/2016, I was done begging to have issues fixed in the apartment and spoke with management about terminating my lease. The apartment manager at the time decided she did not need to do a walk through of the apartment and preceded to advise me to drop the keys off at the front office when I am done moving out. Now all these years later, the company decided that I owed money for the apartment citing damages were done to the apartment which I advised the collecting company that the apartments failed to do a walk through and anything after I left was untrue. They harassed me, ruined my credit, call me all hours of the day and night after I repeatedly told them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Global Lending Services LLC
State: TX

Complaint narrative:
XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm XXXX I did not authorize. I suspect fraud, and have reported this incident at XXXX, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXX  XX/XX/2022XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXXXXXX

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 2022-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I applied for a credit card with Sam 's Club through Synchrony Bank I filled out the application, was given a {$2500.00} card approval and was told they would be in touch. 
A week later I get a letter in the mail saying they need additional information to verify my identity. 
As per the letter I call them, They ask me for my last 4 they ask for my birthday and on and on. 
Then they tell me I need to take a video of my face and need to photo my Drivers Lic front and back. 
It accepts front of the lic but after half a dozen tries it will not accept the back saying it can't read the bar code. The bar code on an XXXX  lic is very small. 
I tell the woman on the phone It is not working. She can not help me. 
If I have a XXXX XXXX  membership they have all that information. 
I have already had a card from Synchrony from Amazon. 
They sent the letter to my house! This is confirmation of who I am when I call and use the code on the letter. 
I am very upset. I have about a dozen credit cards and have had no problems except with synchrony bank. There is something very flawed with their verification system. 
I am being deprived of a credit card which I need to improve my credit and synchrony says they can not verify me. That is utterly ridiculous. They have access to all three of my credit companies. XXXX, XXXX and XXXX. 
They used one or more for my application. 
I confirmed the information they requested when I called them. 
They are wrongfully denying me a credit card which they have already approved.

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 2022-07-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Good day, I have made several attempts to have unauthorized and unverified inquiries removed from my credit report. I reached out to Equifax and XXXX by phone and was given the run around each time and was not assisted in submitting the disputes or commencing investigations on inquiries that were not carried out by me. such inquiries are ; Equifax XXXX XXXX XXXX XXXXXXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OH

Complaint narrative:
( I C SYSTEM INC ) has been sending me collection notices in the amount of ( {$1700.00} ) The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I C SYSTEM INC XXXX XXXX XXXX XXXX XXXX, MN XXXX Account number XXXX XX/XX/XXXX Balance {$1700.00} ( I C SYSTEM INC ) has been sending me collection notices in the amount of ( {$550.00} ) The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I C SYSTEM INC XXXX XXXX XXXX XXXX XXXX, MN XXXX Account number XXXX XX/XX/XXXX Balance {$550.00} XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/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 2022-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-07-21 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: LA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 2022-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquiry and or Collection Accountwhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
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