vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX and I seem to be having an issue with Synchrony Bank. See I have 2 accounts with this bank. One is a Care credit card which the bank dropped my credit limit from XXXX to just {$100.00} without notice. When I request to have the card close since I don't have a balance and the card was paid off 2 years ago. The bank customer service department tried to use every excuse possible. To prevent me from closing the card. Is that even legal? Also, I have a second card with Synchrony bank, an Ashley 's furniture card. Which the bank close again without prior notice with an outstanding balance. When I attempted to settle the account for half of the balance. I was decline, again by their customer service rep. I really do believe that your bureau along with the US government need to look into the business practices of this bank. I've also forwarded a copy of this letter to my state 's senator office. So that they can take a look into this bank 's business practices. Even during hard times this bank is not willing to work with their customers. Instead, you are bombarded with weird captions demanding payment. Which goes against their core values of Synchrony Bank? The last time I formed a complaint against this bank with your bureau. The rep response was very rude and rigid. In other words, she wasn't willing to work something out with me to resolve the issue. This is by far the worst bank in the US, and base on their business practices. I can foresee Synchrony bank shutting down or filing for bankruptcy before the end of the year.

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 2023-05-03 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.

Complaint narrative:
It is TransUnions duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. TransUnion is reporting two inaccurate late payments for the XXXX account, which does not have an account numbers to reference to. These include one 30 day late payments posted in XX/XX/2018 and one 60 day late payment dated XX/XX/2018. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TransUnion violating my federally protected consumer rights. To add to this I did NOT give TransUnion written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that TransUnion has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2023-05-03 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Please delete these fraudulent accounts from my credit report as they do not belong to me and I have no knowledge of them. As per the provisions of USC 1681g, I request that you remove them from my report within 15 days. I have attached the necessary documents for your reference.

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 2023-05-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
In accordance with the fair credit reporting act, Capital One Auto, has violated my rights.

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) states a consumer reporting agency can not furnish a report on an account without my written instructions.

15 USC 1681a ( 2 ) ( A ) ( i ) states that a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B states that a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
To Whom It May Concern : I.C. SYSTEM, INC with account number XXXX I disputed with the collection agency and they said they don't have record of this account. My right to privacy has been violated. I do not consent to you storing my personal information. I did not give any written consent to furnish anything on my consumer report. 

The FTC has noted that providing a copy of a printout, bill, or alleged account documents does not constitute validation. Mere itemization of what you already have does not accomplish my requested debt validation. 

This is my second request. Please provide me with ALL of the following points of information according to my consumer rights found in 15 usc 1692g. 

-Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
-The agreement bearing my signature stating that I have agreed to assume the debt -Valid copies of the debt agreement stating the amount of the debt and interest charges -Proof that the Statute of Limitations in Georgia has not expired -Complete payment history on this account along with an accounting of all additional charges being assessed -Proof that you are licensed to collect in Georgia ; and -Your license numbers and Registered Agent or Agent of Service. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by bringing this issue before a judge. 

I intend to take all legal steps available to me if I do not hear back from 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 2023-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Kansas Counselors, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX  I received a notice from XXXX saying I owe a Medical debt of {$1100.00} from a XXXX XXXX visit from XXXX I advised the company I had insurance during the time of the visit and still have the same insurance currently.. The company told me it's been too long to accept my insurance.. I noted this was done in error on behalf of the hospital because I provided insurance information during the visit.The company refused to refile this collection.. Kansas Counselor is the collection agency who reported to XXXX  on behalf of XXXX XXXX XXXX XXXX in the State of Kansas... I receive XXXX and XXXX since XXXX to current.. This issue should have never taken place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
I opened a loan with Affirm for {$330.00} on XX/XX/XXXX. It wasn't reported on my credit report until XX/XX/XXXX and by then I had already paid the loan in full ( payoff date : XX/XX/XXXX ), but it stayed on my credit report until XX/XX/XXXX as an open outstanding loan. I had not yet contacted the company because by the time I noticed the error, it had finally been reported as closed and paid in full on XX/XX/XXXX. I would not recommend this product or service to anyone. It's a bad financial product and you can't trust them to accurately report on your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I have two accounts one for XXXX and one for XXXX from PROTFOLIO RECOVERY they called me telling me that they are going to my job with papers to take me to court many many many times

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Woke up this morning ( XX/XX/23 ) at XXXX, have XXXX emails from XXXX stating that a Bank of America account was opened in my email. 

First email says to verify email address, second says welcome to online and mobile banking, and the third says unable to open account online.

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 2023-05-03 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: CITIBANK, N.A.
State: VA

Complaint narrative:
There were fraudulent charges that were made to my credit card by XXXX for several months. I detailed the issue in letters sent to Citi on XX/XX/XXXX and XX/XX/XXXX by certified mail. 

They have resolved & refunded some of these fraudulent charges - but other ones, as documented in detail in the XX/XX/XXXX letter, they have delayed providing a refund- and it has been over 6 months. 

Each time I call, I just get the runaround and nobody will resolve the issue. I have tried calling numerous times to resolve. The latest attempt was XX/XX/XXXX and I talked to XXXX ( ID : XXXX ) a Fraud Department Supervisor. She could not provide a resolution. 

Hence this complaint in hopes you will resolve this issue.

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 2023-05-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am writing this complaint against BANK OF AMERICA for the fraudulent inquiry on my credit report. My identity Theft report number is XXXX which I have included in the attachments below. As I checked my recent credit report, the unauthorized hard inquiry is in my credit report but I never authorized them to access my credit file.

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 2023-05-03 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: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent a request to XXXX, Transunion and XXXX to remove inaccurate addresses and names on my credit report and I included my 2 forms of identification to verify my identity and that I was the one initiating the dispute and every time Transunion and XXXX replies saying provide verification documents and I do and they just send the same automated respond. XXXX does not reply at all. It has been longer then 30 days for all 3 requests and nothing has happened.

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 2023-05-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
Synchrony bank has not issued a monthly statement for my account for the time period of XX/XX/2023. Synchrony has always posted a monthly statement on the XXXX of each month. Today is XX/XX/2023 and still no statement. I called Synchrony bank and associate told me that they are aware of the missing statement but could not give a date of when it will post.

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 2023-05-03 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: NV

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 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: NV

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal 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 listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

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 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: LA

Complaint narrative:
I attempted to use my debit card to make a purchase online. Direct Express XXXX Comerica Bank rejected my payment. Which was weird because they allowed the previous charges to go thru for the same exact company. I call to see why its being rejected. Waited on hold for over 3 hrs for a human being to help me. Finally a woman tells me they thought it was fraud because it was a repeat charge etc. I tell her its definitely not its me etc- she said she has to transfer me to another person to verify my identity. Waited another 2 and half hours but I had to hang up to go to work. I attempted over 50 times to call again only to be met with the recording sorry we are busy call later. They have 24/7 customer service so I tried all day and night and still no contact with any personal. Then they have employees on XXXX to verify your identity supposedly however its XXXX that is not a very secure way to verify someone and expect them to give personal identifying information such as full social security numbers, address etc.. I can not pay my bills, buy groceries etc nothing because they have blocked my card- yet so not allow me to speak to someone to verify myself to unblock it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
THE COMPANY IS ATTEMPTING TO COLLECT DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION ON TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: CA

Complaint narrative:
Mutual of Omaha Mortgage Inc pulled my credit without a proper application or authorization. 

Date : XX/XX/2023 XXXX XXXX Source : XXXX Model : XXXX XXXX ( XXXX ) 'Your Credit Score and the Price You Pay for Credit ' letter received XX/XX/2023.

Company response to consumer: Closed with explanation