vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-07 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/21 I made my scheduled {$30.00} payment to Synchrony Bank/ Carecredit XXXX It was confirmed by my bank XXXX XXXX that the amount was drafted and successfully paid out. Carecredit sent me notice on XXXX the payment returned as insufficient funds and that was not correct. I submitted multiple proofs that the funds were received on their end and even got a manager that confirmed they received my payment. They closed my CareCredit account anyways and said there were somehow 2 payments made that day but I never authorized 2. They have not been able to give me evidence of 2 payments and one being returned.

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 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have had accounts with Wells Fargo for 20 years and a credit card with them for close to or during this entire time. They seem to have lost statements from early XXXX and pass me from one person to the next with promises for them to call but I don't seem to be anywhere closer to receiving the statements. I have expressed a need for these in a timely manner however they continue to delay.

Additionally, and now just as importantly, they have stated that I have delinquent accounts or prior credit cards with them. I have never been late, never missed a payment, and never been delinquent with anything - credit cards, mortgages or anything else. The first rep stated several times that I have a delinquent card with them. Another rep stated it was from XXXX and was a fraudulent account. Either way and again I have never been late or delinquent and want this cleared up ASAP and need the statement from last year immediately as I refer to them for tax purposes and their delays have caused me great issues with timing on my due dates. Every time I speak to someone its the same waste of time call where they say there is something funny with their system and cant find the statement for last year and are now stating that there is a derogatory account from XXXX. I am now hearing about this for the first time and know that I have never been late or derogatory.

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 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Received email on XXXX from Chase Bank card services saying " thank you for applying for a credit card. '' Also on XXXX received alert from XXXX XXXX XXXX of an inquiry to my credit record. ( The is a fraud alert on the credit report ). Contacted Chase Protection Group at XXXX- they said there is no record of an application but were unable to explain the email and alert. XXXX Chase Card Services at XXXX- they said there is no record of an application in either me or my wife 's name but were unable to explain the email and alert. They suggested it may have been a phishing email but could not explain how that would trigger an XXXX alert. They transferred me to Chase " disputes. '' They stated there were no applications in either me or my wife 's name and said they would initiate a case to follow up. I filed a dispute with XXXX and they removed the inquiry. I have also frozen my record at XXXX, XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I requested a balance transfer to my ally bank cc to pay off my XXXXXXXX XXXX XXXX loan and Im not getting an update on any information and the balance has been on my card and credit for a month. Ive called more than 5 times and have not been given any information on the status of balance transfer.

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 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 to any 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 non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/ one of my oldest accounts was closed due to inactivity which severely damaged my credit score. I never received anything that said they were going to close my account or that my account was in jeopardy of being closed due to inactivity or that they could close it due to inactivity. The only reason there was no inactivity is because it was during the Covid pandemic and things were really hard and I was struggling. I caught XXXX a couple times Ive lost people to XXXX, its just been a really hard last few years, I have worked very hard to get my credit score to where it is and because they close this account I lost XXXX points off my credit score, which really hurts and affects me. I was planning on buying a house and now Im not able to because its more difficult with a lower credit score and its taken me years to get my credit score to where it is. I called the credit card company to ask for anything thats says they were going to close it or that they could close it but they said that I should have gotten something after a year but its been 3 years that I havent gotten anything but they said were just now going to send me that information and they said theres nothing else that they could do but to call the credit bureau. I called the credit bureau and they told me the only thing I could do is call CFPB so this is where Im at now submitting a complaint to hopefully get this situation resolved because I dont think its fair that they can close an account without at least giving you a notice so you can have a chance to fix the situation before it happens or tell you when you get the credit card that your account could be closed due to inactivity before you get the credit card not after because the only reason I got the credit card was for that one purchase, had I been told I need to use it to keep it open I would of used it a little to keep it open.

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 2023-09-07 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: IN

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by law to verify through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts in question. Your failure to positively verify the account which I have disputed has hurt my ability to obtain credit. Under the FRCA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the disputed accounts. Please notify that the items have been deleted pursuant to 611 ( a ) ( 6 ) 15USC 1681j ( a ) ( 6 ). I would like to remind you, using the E-OSCAR method to verify these disputed accounts which you are aware of, is against the FRCA guidelines. I was told by representatives of all 3 major credit bureaus " I will not get a validation letter or a investigation letter as I requested by State and Government law as a consumer. '' Please include also the method used to " verify '' the debt you claim I owe. I have requested the person 's name, phone number, company address, company name and the individual 's title of the investigation. Please remove all non-account holding 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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
We pay our Credit Card Bill via XXXX XXXX. It is handled through our Bank Account at XXXX. XXXX receives the check and instead of applying it to the credit card account they deposit it into my savings account. We have been charged numerous late fees and credit has been affected. We have spoken to people many times they correct it and then it happens again. They are just not capable of fixing a problem or do not have the authority to do so.

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
We pay our Credit Card Bill via XXXX XXXX. It is handled through our Bank Account at XXXX. XXXX receives the check and instead of applying it to the credit card account they deposit it into my savings account. We have been charged numerous late fees and credit has been affected. We have spoken to people many times they correct it and then it happens again. They are just not capable of fixing a problem or do not have the authority to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
We pay our Credit Card Bill via XXXX XXXX. It is handled through our Bank Account at XXXX. XXXX receives the check and instead of applying it to the credit card account they deposit it into my savings account. We have been charged numerous late fees and credit has been affected. We have spoken to people many times they correct it and then it happens again. They are just not capable of fixing a problem or do not have the authority to do so.

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 2023-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: IL

Complaint narrative:
I went to apply for me an apartment and they told me I wasnt approved because they said I had a close account worth XXXX in dept which seemed odd because Ive never applied for a car before I always had the same car since my XXXX birthday since the lady told me this info Ive started to see mail come to my house that say debt collectors etc. Im not sure how someone would be even able to get a car in someones name with out them being there these car allots just want money they dont care if people have the right information or LEGAL information.

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 2023-09-07 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: FIRST PORTFOLIO SERVICING INC
State: FL

Complaint narrative:
I had fraudulent internet charges on credit card account without even physically having the card for 6 months. I notified company and requested immdeiate dispute and closure of account. Company reversed charges but did not close account. New fraudulent charges ( XXXX $ ) were made on same account I requested closed. Upon receipt of invoice I again disputed fraudulent charges and to again close account. I received new invoice today for over {$200.00} on closed account. Company will not correct their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Notice to Agent is Notice to Principal ; Notice to Principal is Notice to Agent To Whom It May Concern, I am writing to address discrepancies on my consumer report. My details are as follows : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX, IL, XXXX I recently reviewed my consumer reports and observed that you have reported transactions which, according to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681a 2Ai, are excluded by law.

The FCRA clearly states that a " consumer report '' does not include reports containing information solely about transactions or experiences between the consumer and the reporting entity. Furthermore, the definition of a " consumer report '' does not encompass XXXX or XXXX scores, nor their respective algorithms. 

Given this, the reporting of transactions between myself and the following institutions is in violation of 15 USC 1681a XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} Status : Open. {$37.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00} Status : XXXX. {$220.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Status : Open. {$82.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1900.00} Status : Open. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Status : Open. {$120.00} past due as of XX/XX/XXXX. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} Status : Open. {$230.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20.00} Status : Open. {$15.00} past due as of XX/XX/XXXX. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Status : Closed. {$210.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX Balance : {$200.00} Status : Open. {$60.00} past due as of XX/XX/XXXX. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$34000.00} Status : Open. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} Status : Open. {$640.00} past due as of XX/XX/XXXX. 

these actions have adversely affected my reputation, character, and overall well-being. As such, I request the removal of the late payments associated with these accounts from my consumer report.

As per 15 USC 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Given the evidence and the provisions of the FCRA, I urge you to rectify this matter promptly by deleting the aforementioned late payments from my consumer report. 

I await your prompt response and corrective action. 

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 2023-09-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: Shellpoint Partners, LLC
State: DE

Complaint narrative:
Took out home equity loan XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX {$50000.00} in Delaware, XXXX XXXX. XXXX  XXXX. This loan was refinanced into XXXX and combined with our home loan, but the satisfaction for the prior mortgage was never received. The company had been sold multiple times and now our home mortgage lender, Shellpoint is saying that we owe them the {$50000.00} in order to release the lien- since we sold the property. I found a letter from XXXX from XXXX XXXX XXXX that had a certificate of assignment on this mortgage. The letter said that there was included a satisfaction for the original HELOC but I can not find the satisfaction. Neither of these companies would respond to my request for the document and have been sold multiple times. The only recorded assignment I found was to XXXX XXXX that sent me a release I CAN NOT find. I do not think that we owe this debt as there is no valid lien for Shellpoint. I need help! The property was sold/transferred to new owner XX/XX/XXXX. 

Shellpoint provided a payoff for the original mortgage and now they are saying we owe them {$50000.00} more. There is no evidence of this debt with them or anyone. - It's so old i don't even have the original loan number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

=============== Account name : XXXX XXXX XXXX Account number : XXXX {$670.00} Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXXXXXX XXXX TransUnion 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 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 to any consumer reporting agency of 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 2023-09-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

=============== Account name : XXXX XXXX XXXX Account number : XXXX {$670.00} Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  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 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 to any consumer reporting agency of 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