vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-07 00:00:00
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Care Credit would not remove a transaction that i did not received. I believe Synchrony Care Credit are only in the best interest of the doctors and not helping me resolve a dispute on a service transaction that i did not received

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 2021-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: CA

Complaint narrative:
Netspend is holding my refund after I had access to some part of the money an they closed my Account

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 2021-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: PA

Complaint narrative:
In light of my new understanding of consumer laws, I've discovered that Mohela is in violation of the law when it comes to my consumer report. They are in violation of the following US Codes : 15 U.S. Code 1681 ( 2 ) ( i ) : report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S. Code 1681 ( 2 ) ( iii ) : communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( No disclosures were given ) 15 U.S. Code 6802 ( b ) ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

( I was never given the option to Opt-Out )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
I originally filed a complaint about CITIZEN ONE BANK regarding this same issue on XX/XX/XXXX ( XXXX ). However, since that time, this nefarious company, CITIZEN ONE BANK, has again deliberately reported my account as being delinquent for the month of XXXX. On XX/XX/XXXX, CITIZEN ONE BANK reported my account as Late 30 Days ( see screenshot ) to XXXX, XXXX, and XXXX. My account with CITIZEN ONE has had a XXXX balance since XX/XX/XXXX. 

Once again, I ask that this unethical company, CITIZEN ONE BANK, cancel my account immediately.

This unethical company, CITIZEN ONE BANK, is deliberately ruining my credit rating.

I ask that CITIZEN ONE BANK be severely fined for engaging in this horrible business practice.

I thank you in advance for your assistance in this matter. 
Sincerely, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2021 i sent you letters about a lot of inaccuracies on my credit report, but I still havent received any response from you. I need my credit report to be cleared from all these errors and i am begging you to clear off stuffs that should not even be there in the first place. My information might have aslo been affected by XXXX data breach so please go and investigate.

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 2021-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I went through Rocket Mortgages online service to inquire about refinancing with cash out to me. I was " approved '' to refinance at 2.99 % with roughly {$25000.00} cash out. Almost immediately, I started texting with XXXX XXXX at Rocket who confirmed some of the information and relayed terms to me. I submitted the documents requested in a timely manner. Then more documents were requested. Then more documents were requested. Then I was told my rate lock expired less than 7 days after my application and rate were tentatively " approved ''. I was also told that there was no appraisal needed. 

Today, after telling XXXX I was going out of town from XX/XX/XXXX through XX/XX/XXXX ( yesterday ). Upon my return home, I submitted the documents listed on my " to Do '' page. Also, on XX/XX/XXXX, I emailed XXXX XXXX about an email I received that now indicated I would need to bring roughly {$1300.00} to closing and would also need to submit additional documents proving I could do that. They wanted 90 days of bank statements which I had previously provided. It should be noted that I was originally informed I would be getting cash out, not paying to refinance. 

On XX/XX/XXXX, after raising questions about the change on the closing documents requiring me to bring cash to closing after noting in any of the information provided changed from the beginning of this process, I was told I would need to pay {$500.00} for an appraisal as a condition precedent to closing. Upon inquiring about this, XXXX XXXX emailed me saying I had to go through a different program because of a decline in my income. I found this very disturbing as my phone call prior to leaving town was explaining to him why my income increased so much over the past year with specific reference to the documents provided to Rocket Mortgage. My income did not decline, it increased. 
Quicken should have changed its name to Racket Mortgage instead. This ordeal was worse than buying a car from a used car salesman. Every time I turned around the terms were changing, " expiring '' or more information was needed, most of which had already been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I was on the covid19 mortgage forbearance and it expired on XX/XX/21, I did not call for an extension, but when I went online to start making my regular monthly payment the bank 's website would not accept any payments. So I assumed that my forbearance was extended but then I began to get past due notices. When I contacted the bank on XX/XX/21 to explained and to resume/start making my regular monthly for XXXX payment together with XXXX payments, the bank advised me not to make any payments because my account was now in default and the full amount of $ XXXX was due. The bank said they would review my account to determine if my forbearance can be extended ( back from XX/XX/21 to XX/XX/21 ) or if a partial claim can be approved. I have followed up with the bank numerous times ( every 2 weeks ) and also spoken to the reps trying to collect on the loan. They all keep telling me the loan is still under review, but delinquent the full amount. I have also emailed for an update and informed them that I am ready to end the forbearance and can make the payments, but I am not getting the issue resolved about deferring the forbearance amount. please help ; (

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Notice To all, Today, XX/XX/XXXX XXXX, I am providing this complaint pursuant to 15 U.S. Code 1692a ( 3 ) - consumer means any natural person obligated or allegedly obligated to pay any debt. 

Also, I am providing this statement pursuant to 15 U.S. Code 1681c ( 2 ) - a consumer reporting agency ( EQUIFAX ) shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

1. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX  Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX  on 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 2021-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX, I received an email from XXXX XXXX XXXX informing me that due to my account being inactive, the account would be closed on XX/XX/ if a purchase hadn't been made by XX/XX/. A few days later I made a purchase with the card to keep it active, however they closed my card on XX/XX/. I reached out to customer service and inquired why they closed my account over a month earlier than the email stated even though I made a purchase, and they said that they closed it because I had gone so long without a purchase and I could reapply if I wanted to open an account. I then informed them that days after the email was sent, which stated that I had until XX/XX/XXXX to make a purchase, I made a purchase. This issue did not get resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
On XX/XX/XXXX I entered into a conditional loan agreement/credit card contract with XXXX XXXX appliance company and Synchrony Bank related to the purchase for {$2300.00} of a TV and related small accessories. The agreement provided for no interest charges provided timely payment was made during a promotional period ending XX/XX/XXXX. 
I set up autopayment at XXXX XXXX XXXX  to make the payments and, wary of late payment issues, set a date early into, and in some cases prior to the start of the next billing period. Synchrony ( on three occasions ) applied the early payment to the previous month ( which had already been paid ) and levied a {$35.00} " Late Payment Fee '' for the following month. ( This is, I believe, similar to a practice that XXXX XXXX Bank engaged in, and for which it was fined. Accordingly, I will copy the office of Senator XXXX XXXX. ) Note that there was NO NOTICE that the fee was related to an early payment. 
When threatened, they said they would " waive their legal rights '' and repay the fees. I subsequently reviewed the account balance and paid the account in full. Whether I get the late fees back is largely immaterial ; important is that Synchrony is mis-applying early payments ( is the word " deliberately '' necessary here? ) and it is, I suspect a practice that many of their customers won't catch and won't have the knowledge to reverse. There is a class of victims, I suspect, who need your help. Thank you.

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 2021-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Recovery Solutions Group, LLC
State: TN

Complaint narrative:
Someone has stole information about the business, and fraudulent applied for a loan using both of the owners. The business has been closed since late XXXX. We are a victim of ID Theft, notice of furnishers, and our ID Theft Affidavit is attached! 

Please send all communications XXXX XXXX XXXX XXXX XXXXXXXX TN XXXX - stop cold calling me, and texting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
During the pandemic starting in the beginning of 2020, I was so behind on bills. My employment suffered which made things not better. I also caught Covid 19 as well. But I do remember a settlement letter from XXXX XXXX XXXX who represents BEST BUY about settling the account for XXXX. I immediately jumped on it because I had to catch up. It took me 4 payments and I even got a letter from them stating that it's paid. On my credit report though it states that they closed the account and charged the amount off, but it still saying XXXX dollars is still past due. INACCURATE. I had a similar debt with XXXX XXXX in which I also settled with them. They closed it and there is no balance due showing on my report. So why can't BEST BUY do the same. I just want it show closed with XXXX balance

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 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax Is reporting inaccurate, incomplete, and inconsistent information on my credit report this is a violation of Title 15 1681E " Accuracy of Report ''. " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' This consumer reporting agency is also in violation of USC Title 15 1681i 5 1-2 ( 5 ) Treatment of inaccurate or unverifiable information. " If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. '' If this is true then the following Alleged charged-off account XXXX must be deleted immediately due to being furnished with multiple inaccuracies, it is also incomplete and inconsistent. it showcases Years of late payments after the account was already closed. There should be no late payments reported after the closed date of XXXX This is inaccurate reporting. No Date of last activity is furnished- This data field is incomplete. There is no actual payment amount furnished for alleged the last payment date which is another Incomplete data field. The date of the first major delinquency is inaccurate.the alleged date of first major delinquency is XX/XX/2018 which is 3 months after the account was allegedly closed on XX/XX/2018 this is inaccurate and inconsistent reporting. This consumer reporting agency failed to furnished the date of the first major delinquency was first reported this data field is also incomplete. Also, The payment history Calendar is inaccurate according to this credit reporting agency 's payment history key. The alleged payment history shows 4 Straight 120 's Late payment marks which are not possible nor accurate and is inconsistent with the standard of the Equifax Payment history key.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021 i sent you letters about a lot of inaccuracies on my credit report, but I still havent received any response from you. I need my credit report to be cleared from all these errors and i am begging you to clear off stuffs that should not even be there in the first place. My information might have aslo been affected by equifax data breach so please go and investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2021 XXXX charged XXXX for a rental car I did not pick up nor use. I went to the ticket counter on XX/XX/2021 three times because they stated they cancelled and voided out the contract but however did not release my XXXX. This is my rent monies they are holding and wont release my monies I gave them. This is fraud. I did not authorize this charge at all. Every day they said they are releasing the funds and have not. Capitalone states they have not released my funds. XXXX gave capital one a verbal by phone, that its okay to release the pending hold and capital still holding funds. XXXX even offered capital one an authorization to release fund and Capitalone still will not release Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: Conn's, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, a letter was sent to Conns regarding a 30-day late payment that they reported on my report for XXXX XXXX. This account was in good standing prior and is current today. 
I had called the customer service to let them know due to the covid pandemic, our household income was affected. They assured me as long as the payment was made current I would not be reported late. I still have received zero response from them, Public Law No : 116-136 ( XX/XX/XXXX ) Coronavirus Aid, Relief, and Economic Security Act or the CARESAct - SECTION 4021 The Cares act requires the account be reported as current, i.e., the payment history field should be reported as not being past due while the account status field should be reported as current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Notice To all, Today, XX/XX/XXXX XXXX, I am providing this complaint pursuant to 15 U.S. Code 1692a ( 3 ) - consumer means any natural person obligated or allegedly obligated to pay any debt.

Also, I am providing this statement pursuant to 15 U.S. Code 1681c ( 2 ) - a consumer reporting agency ( EQUIFAX ) shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

1. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX  Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation