vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-24 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo bank is indifferent ; the credit card that Wells Fargo provided me ( with the Wells Fargo logo on it ) has no interest in allegations of fraud committed by that Credit Card Company. I provided the local Wells Fargo bank ( in XXXX, Utah ) with a written explanation of my proof ( with supporting documentation ) and it was soundly rejected. Their indifference was such that when I asked them to read my entire written complaint, they threatened to call security. Those local Wells Fargo officials encouraged me to seek the services of an attorney, stating that although the Credit Card Company bears the Wells Fargo logo on all its correspondence ; that Wells Fargo has no attachment to that company ( and so no one at Wells Fargo Bank [ the general contractor ] would have any interest in the activities of their subcontractors ). I was asked to leave by bank officials ( at the local bank ) or they would call security ; that asking them to investigate my concerns was inexcusable ( so I left ). 
People should be made aware that Wells Fargo utilizes many services that bears the Wells Fargo logo, but the bank ( the general contractor ) takes no responsibility for those services activities ( even though the bank financially benefits from those services that bears the Wells Fargo logo ).

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 2024-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I previously filed a complaint regarding significant difficulty paying my car loan off. Ultimately, with assistance from a prior CFPB complaint, I was able to pay this loan off. However, in my communications with XXXX XXXX at Truist, I was told that I would receive an interest credit of about XXXX dollars due to delays from Truist in allowing me to pay this loan off. I agreed with the plan and asked that it be put in motion. I received a check for over XXXX dollars but am still missing nearly XXXX dollars. I was told that I would be receiving this second check soon about XXXX weeks ago. I have reached out to XXXX at least XXXX times and she has made no effort to call me back or contact me in any way, therefore my last measure to resolve this issue is to file this complaint.

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 2024-09-24 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/XXXX Yesterday on XX/XX/XXXX a dispute of alleged debt was sent to SYNCHRONY BANK via REGISTERED MAIL # RE XXXX XXXX XXXX XXXX. This dispute was sent in response to SYNCHRONY BANK, previously receiving a notice of billing error from me via REGISTERED MAIL # RE XXXX XXXX XXXX XXXX on XX/XX/XXXX and refusing to address it. The XXXX XXXX XXXX under barcode # XXXX XXXX XXXX XXXX XXXX XXXX [ my return receipt ] came back to me with the corner that would indicate the date received torn off with no signature and no printed name. I was able to validate the date of delivery on the XXXX website, however, which is included in this complaint on the attached .pdf. This violation falls under Interference with Commerce under Title 18 USC 1951 ( The Hobbs Act ) and Obstruction of correspondence under Title 18 USC 1702. The Criminal Resource Manual from the U.S. Department of Justice, CRM 940. 18 U.S.C. 1341 Elements of Mail Fraud states the following : There are two elements in mail fraud : ( 1 ) having devised or intending to devise a scheme to defraud, and ( 2 ) using the mail for the purpose of executing, or attempting to execute the scheme. Schmuck v. United States 489 U.S. 705, 721 n. 10 ( 1989 ) ; see also Pereira v. United States, 347 U.S. 1, 8 ( 1954 ). SYNCHRONY BANK has in its possession a billing error notice from me since XX/XX/XXXX that SYNCHRONY BANK was bound by federal law to address within thirty days via a written notice to me to provide clarity on the matter. Instead, SYNCHRONY BANK ignored it, bombarded me with phone calls and sent me a presentment to collect the alleged debt in violation of federal law! SYNCHRONY BANKs action in this matter is also a violation of Title 15 of the specific codes listed in the notice below, is an intention to devise a scheme on me & constitutes the use of the mail to execute the scheme which is fraud and a violation of Title 18 U.S.C. 1341.

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 2024-09-24 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: MS

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 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 2024-09-24 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: HI

Complaint narrative:
My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted the bureau and the representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

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 2024-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Please note that I was robbed from USAA checking hundreds of thousands of dollars no attempt to correct error with immediate repayment years down the road. The Comptroller of the Currency Review is attached. Thanks.

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 2024-09-24 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-09-24 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-09-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The credit card company has started charging me a fee for paper statements that I never agreed to. They said that they had sent a letter to me which I never received telling me that unless I opt out of receiving paper statements that I will be charged for the paper statements. They have put my account in arrears and charged a late fee for the amount not payed for the paper statements. I never agreed to this charge. I have not used this card for anything other than the original purchase of the sleep number bed.

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 2024-09-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Fees charged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XXXX XXXX XX/XX/XXXX To Whom It May Concern, I am writing to dispute the inaccurate balance reported to the credit system by The XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX, XXXX, Texas, XXXX. Below are the details of our lease and the dispute : Lease Period : XX/XX/XXXX, to XX/XX/XXXX. 
Monthly Rent Payment : {$1600.00} paid at the beginning of each month. 
Final Payment : {$900.00} on XX/XX/XXXX for XX/XX/XXXX to XXXX XXXX Notice of Termination : Given in accordance with their XXXX notice policy. 
XXXX XXXX : Completed to the manager on XX/XX/XXXX. 

Despite adhering to all terms of our lease agreement and fulfilling all financial obligations, The XXXX Apartments has falsely reported an outstanding balance of {$890.00} to the credit system. This balance incorrectly includes utility charges and rent up to XX/XX/XXXX, beyond our lease termination date. 

This false report has caused significant mental distress. I have attached the following supporting documents to substantiate my claim : Lease documents. 
Bank statements showing the final payment. 
Correspondence regarding the debt sent to the credit management. 

I request that this incorrect balance be promptly investigated and removed from my credit report. Thank you for your understanding and cooperation in resolving this matter. 

Sincerely, XXXX XXXX Attachments : 1. Lease documents.

2. Bank statements. 
3. Correspondence regarding the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: NJ

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2024-09-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Credit Bureau sent me an email stating that they had system issues with their XXXX product. The failed XXXX product kept removing information from my credit report. I called numerous times and Experian refuses to fix this problem but kept reducing my credit rating. 

Experian Credit Bureau reduced my credit rating which resulted from their failed XXXX product. Additionally, Experian keep repeatedly removing credit information showing payments that I had made. I filed a complaint with the XXXX XXXX XXXX ( Complaint # XXXX ) and they failed to respond to the XXXX  complaint.

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 2024-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Through the dates of XX/XX/XXXX through XX/XX/XXXX my name was slandered by a bank employee who lied on me for no reason at all. The bank decided to restrict my account. 
All of my XXXX 's in my account was held up and put on hold. My Creditors was left with no payments. This caused me to lose my Credit accounts of {$100000.00} in credit flooring credit with XXXX XXXX XXXX and XXXX XXXX. My car lot has been financially damaged to to the negligence of Chase bank. Punitive damages going to be added to this complaint and also monetary damages. The to creditors have filed a UCC-1 letter blocking me from auctions and causing other auto flooring companies to close my accounts and not do business with me. Chase bank has also discriminated against my Civil rights company I had a business checking & saving account with this company also. I want my account put back to positive status and my {$14000.00} returned to me. Chase bank is liable for now thousands of dollars due to me and damages to my car lot XXXX XXXX XXXX. I will be mitigating this case and I must be compensated for my business loses. I will notify all of Chase bank 's donors and let them know also I have been discriminated against as a minority business owner and singled out and harassed and my privacy with my account was violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I do not know of this agency not do I owe them a debt. I've requested a copy of the original signed contract with my signature and it has not been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: MI

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-24 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: AL

Complaint narrative:
I am writing to express my concern regarding the ongoing inaccuracies in the disputed accounts listed on my credit report. Despite multiple requests for thorough investigations into these errors, I have not received a satisfactory resolution. The presence of these erroneous accounts is severely damaging my credit score and affecting my financial stability. 

The negative impact of these inaccuracies has caused significant hardship in my life, and I urgently request your assistance in conducting a comprehensive investigation into each disputed account. It is essential that my credit report is updated and corrected without further delay to restore the accuracy and integrity of my financial records. 

I kindly ask that you give this matter your immediate attention and take the necessary steps to resolve it promptly. Your cooperation in this matter would be greatly appreciated, and I look forward to your swift action. 

Thank you for your understanding and support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: TX

Complaint narrative:
XXXX IS NOT RESPONDING TO ANY OF MY DISPUTES AND COPIES OF MY IDENTIFICATION HAS BEEN PROVIDED ON SEVERAL OCASSIONS. SEE ATTACHED COPIES OF DISPUTES THAT HAS BEEN SENT TO XXXX, XXXX AND TRANSUNION. 

PLEASE CONSIDER THIS LETTER AS AN INITIAL COMMUNICATION DEMANDING ANY EVIDENCE OF MY OBLIGATION TO THE ABOVEMENTIONED ACCOUNTS. AS A REMINDER, ANY ACCOUNT THAT YOU CONTINUE TO REPORT WITHOUT BEING ABLE TO VALIDATE IS A DIRECT VIOLATION OF MY RIGHTS LISTED THROUGH THE FDCPA AND FCRA BOTH TOGETHER AND SEPARATE. 

I WANT ALL OF THESE ACCOUNTS EITHER VERIFIED OR DELETED

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 2024-09-24 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: FL

Complaint narrative:
My account with DEPT OF EDUCATIONXXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. DEPT OF EDUCATIONXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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