vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I would like you to remove all the inaccurate and misleading information from my credit report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that the following items in my credit report be re-verified and removed : I have attached the proof that the above items are inaccurate for your convenience. 
XXXX XXXX XXXX- Under the FCRA , you must re-verify the items and get them removed within 30 business days of receipt of this letter, to avoid violation of the law. Please notify me of the changes and forward me the updated copy of my credit report to the address referenced above. 

I have highlighted all the inaccurate information that has been reporting as well as the incorrect information that the company has provided, which proves that this company XXXX  XXXXe pushes dealers to sell cars with hidden interest costs and surreptitiously include expensive add-on products with vehicle sales. The complaint further alleges that XXXX XXXX applies complicated algorithms to predict how much it is likely to collect from borrowers to determine how much to offer dealers for each loan, resulting in high-cost loanswith annual percentage rates ( APR ) often exceeding state usury capsmade without regard for borrowers ability to repay, while still yielding profits for XXXX XXXX. A significant number of XXXX XXXX most credit-constrained borrowers become delinquent on their loans within the first year, and many also lose their cars to repossession and auction or suffer other negative effects from the loans. The joint complaint alleges that XXXX XXXX is engaging in deceptive acts or practices in violation of the Consumer Financial Protection Act of 2010 by misrepresenting key loan terms, including the true principal, finance charge, and APR. The joint complaint further alleges that XXXX XXXX is engaging in abusive acts or practices by taking unreasonable advantage of consumers lack of understanding of the risk of default and the severity of the consequences associated with its loans and taking unreasonable advantage of consumers inability to protect their interests in selecting or using XXXX XXXX  loans. The joint complaint also alleges that XXXX XXXX substantially assists dealers in the deceptive sale of add-on products. The complaint seeks permanent injunctive relief, damages, and civil money penalties. My {$5000.00} downpayment was never even applied towards my loan balance it actually increased from XXXX to XXXX how was that possible. The fact that they advised that car dealership never file a claim for the engine is strange to me the car sat at the dealer car shop allegedly going back and forth requesting. The car dealership has actually gone out business backup for its practices as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
On XX/XX/XXXX I received notice that Synchrony Bank decided to close my Carecredit account due in part from information provided by XXXX. The main reason appears to be high balances compared with credit limits. I had been in good standing since opening my Carecredit card, and have very rarely had high balances on other cards, never over the limit. I called Synchrony Bank and they recommended calling XXXX, who subsequently recommended calling Synchrony Bank. I requested a full credit report from XXXX. When I examined the report I noticed that the section regarding Synchrony Bank/Carecredit stated that I had a " High Balance '' of {$7500.00} from XX/XX/XXXX to XX/XX/XXXX ( credit limit at the time was {$6800.00} ) and of {$7500.00} from XX/XX/XXXX to XX/XX/XXXX ( credit limit at the time was {$6800.00} ). However, the account statement below did not reflect this information at all, and I was never even close to being over my credit limit on my Carecredit account. I ended up opening a dispute with XXXX on XX/XX/XXXX and the results verified the Synchrony Bank account information as accurate. I then contacted Carecredit again and was able to request a full report of statements, which I could not previously access because they closed my account. I believe that these statements, along with my XXXX credit report, prove that I never had a High Balance on this card during these dates, and that my account should never have been closed.

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 2024-04-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2024-04-13 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: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
Please download my letter, it shows screenshots of all recent inaccuracies please correct the matters with the credit reporting agencies 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 explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/24 my car was stolen along with my wallet. I notified my bank as soon as I was made aware of the fraudulent activity to report it and use the lock feature. They said they couldnt file a claim yet, but to call back once the money had posted. At this point, a police report had already been filed. On XX/XX/24 the claim had been made. On XX/XX/24 I went into a physical regions location to get a new card but they said they werent able to do it at their location and I had to go to another branch. I went to a different branch a day or so later to retrieve a new card. The bank said on XX/XX/24 that they closed the claim out because I had told them that I was the one who used the card at the gas station, I authorized the charge and that I still had the card in my possession. I never said any of that and Im happy they have it on recording if you need to request it. What do I need to do to reopen this claim to get my money back? Regions will not open another claim for me. I have a police report, I reported my card stolen multiple times with the police as there is a supplemental report as well and with the bank.

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 2024-04-13 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Hello I am writing to express my concern regarding an ongoing issue with the orthodontic services provided for my son by the XXXX XXXX in XXXX XXXX XXXX, and the subsequent financial dispute with Synchrony Bank. 

On XX/XX/2023, I opened a Credit Care account with Synchrony Bank to finance the orthodontic services provided by the XXXX XXXX. However, on XX/XX/2023, I informed the XXXX XXXX of our impending relocation from XXXX  to XXXX. At that time, I requested assistance in finding a new orthodontic provider in the XXXX, XXXX area and discussed the possibility of receiving some form of monetary compensation for the services yet to be rendered by the new provider. 

Unfortunately, my requests were met with resistance. The XXXX XXXX neither provided any referrals to orthodontists in XXXX  nor engaged in any discussions regarding potential compensation. Feeling left with no other option, I approached Synchrony Bank in XX/XX/2023 to request a refund of {$1500.00}. 

Despite my efforts, my dispute has been refused three times by Synchrony Bank, each time with the justification that the merchant ( XXXX XXXX ) is working directly with me. I have repeatedly informed Synchrony Bank that the XXXX XXXX has been uncooperative and dismissive of my calls, viewing them as a nuisance rather than a legitimate customer concern. 

Caught in this predicament, I find it unjust to be held financially responsible for services that were not rendered. In the interim, I have had to seek out and secure continued orthodontic care for my son independently. 

Enclosed, please find the record of my communication with Synchrony Bank, along with the breakdown of my contact with the XXXX XXXX provided by the bank. 

I kindly request your assistance in resolving this matter and look forward to your prompt response.

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 2024-04-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX, has violated my right. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX # XXXX XXXX, XXXX XXXX XXXX  has violated my right. 

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have included the files with pictures of the text messages. I received texts from 3 different numbers about contacting XXXX XXXX about a capitol one matter. Today I received a more detailed message about the amount I owed and how to reduce that rate. The website looked legit but the phone number did not match the number I was given by the XXXX XXXX XXXX. I called capitol one and they confirmed there was no other account under my name and not to click the link in the text. I had already clicked it. And tried to log in with my birthday and last 4 of social. Which I realize was a mistake. I only ever got notified over text. I have also been receiving a lot of scam phone calls from the XXXX area so not sure if that is related. I tried to call XXXX XXXX XXXX XXXX which I was told is their capitol one line and was unable to get through. I do not have an account number or email/letter with that information and therefore believe it to be a scam. I have been badgered with texts daily or weekly over the last 2 months. The number listed on the text to call was XXXX. This number has the same audio recording of a women saying you could use your tax refund to pay your debt. But it just kept repeating over and over. The actually XXXX XXXX agency had music that played in between the audio recorded message.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
Promise to Pay amount {$25.00} per month on a {$9600.00} Loan Account ordinally opened with creditor for a Auto in XXXX and was dropped off my credit report in XXXX after a dispute was made. CACI picked up as a third party debt creditor in XX/XX/XXXX. 
I am tryin to straighten out my credit so I agreed verbally with XXXX XXXX a representative at CACI to have drafted out of bank statement {$25.00} per month due on the XXXX of every month. On or around he XXXX I noticed a decrease on my credit of XXXX points. In XXXX there was fraudulent activity done on my bank account so the card was deleted and i was issued a new card. I immediately called to see why was my payment was reported to credit bureau without a call from CACI the debtor creditor requesting the payment, AND i thought there was a 30 day grace period before late payments were assessed and reported to credit bureaus. 
On XX/XX/XXXX deposit was made XXXX {$50.00} to CACI On XX/XX/XXXX payment made of {$2500.00} to CACI On XX/XX/XXXX payment made of {$25.00} to CACI I would like to dispute the amount owed of {$9600.00} reason below. 
1. No validation information from CACI by mail or electrotonically 2. Promise to Pay of {$2500.00} was done verbally only between myself and XXXX XXXX with CACI but no documents were sent to for signature or XXXX XXXX by mail or electronically 3. Payment should not be reported on credit report as non Payment, payment was received by Myself Ms XXXX XXXX within 5 days I am XXXX XXXX XXXX on a fixed income from social security of {$890.00} per month. When I am finished payment rent, utilities am broke. I had a XXXX  XXXX XXXX in XXXX of XXXX. I would like to have this collection account removed from my credit report, Although I did agree verbally to pay this debtor, but they did not provide me with any validation hat this account is mine or is still opened. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Eastern Revenue, Inc.
State: PA

Complaint narrative:
I received a phone call from a number claiming I had owed money. XXXX from Eastern Revenue called me, and tried to convince me to pay, I didnt believe him until I saw on my credit report that XXXX XXXX had charged me for a class I couldnt take. When I called him to explain the situation he was rude, said he didnt care and he needed that money. I felt co-orced to pay him so I started to until I stopped. After I stopped, XXXX from Eastern Revenue commenced to harass me. He started insistently calling every day, sometimes before XXXX and sometimes it would be anonymous. Im tired and have XXXX  every day from these people who have no soul and are unable to empathize, and have a conversation human-to-human.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit card — Store credit 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: FL

Complaint narrative:
XX/XX/XXXX This dispute in the amount of {$3600.00} was resolved and closed by the credit card company and was found in my favor. 

XX/XX/XXXX They think that 42 weeks later they are going to attempt to recharge my account that is paid in full the {$3600.00}.

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 2024-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: CO

Complaint narrative:
Over the span of a week, I attempted to get my account current, making two payments totalling over {$1800.00}. This amount was supposed to -- according to the personnel I spoke to on the phone- get me current- up to date with late payments- and late fees. After the payments were made- I today checked and found over {$300.00} in late fees, and my payments are not caught up. This is fraudulent and dishonest on their part. Their phone agents have no idea what is going on with the account. This is robbery. I can never get caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I have applied for a rental to a apartment complex managed by XXXX XXXX XXXX XXXX XXXX and they charged my credit card for {$300.00} for application and they did not completed nor refused my application. ( They were forced me to give them my Federal Tax documents which I refused and offered to share bank statements as needed ) in result I disputed the amount with the bank. Later they contacted me and informed me that they will return my {$200.00} if I cancel the dispute with the bank, which I did. They received their {$300.00} and returned my {$200.00} as promised but then Columbia Debt. Agency contacted me asking {$300.00} on behalf of XXXX and reported me to XXXX. I filed a dispute with the XXXX with the payment details and also I shared the related info and cc payment details/ statement with Columbia debt agency. Today I have informed by XXXX that this agency and XXXX is still seeking money from me with wrong accusations against me. Debt was paid 9-12 months ago ( as attached ) and they are refusing the proof of payments and asking to pay again. 
Thank you for your consideration. 
Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Our house went info forclosure after almost 20 years when I lost my business my wife XXXX and I both have been trying to communicate and collect the overage with JP Morgan Mortgage XXXX XXXX and the Attorney Collection agency XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX mtg file XXXX They keep telling us they will send paperwork and they will not, they finally sent one email asking if we wanted the money owed to us after 6 months and then were suppose to send more paper work to receive it. It has been 7 months now and its still not moving forward. 

We have called a million times and still nothing. They are always saying they are going to send it and they never do. No matter how much we ask. We would like to get our money owed back to us from the sale of our home from overage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the 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 non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: MRS BPO, LLC
State: PA

Complaint narrative:
I have included the files with pictures of the text messages. I received texts from 3 different numbers about contacting MRS BPO about a XXXX XXXX matter. Today I received a more detailed message about the amount I owed and how to reduce that rate. The website looked legit but the phone number did not match the number I was given by the MRS BPO agency. I called XXXX  XXXX and they confirmed there was no other account under my name and not to click the link in the text. I had already clicked it. And tried to log in with my birthday and last 4 of social. Which I realize was a mistake. I only ever got notified over text. I have also been receiving a lot of scam phone calls from the D.C area so not sure if that is related. I tried to call MRS BPO agency XXXX which I was told is their XXXX XXXX line and was unable to get through. I do not have an account number or email/letter with that information and therefore believe it to be a scam. I have been badgered with texts daily or weekly over the last 2 months. The number listed on the text to call was XXXX. This number has the same audio recording of a women saying you could use your tax refund to pay your debt. But it just kept repeating over and over. The actually MRS BPO agency had music that played in between the audio recorded message.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with Fair Credit Reporting Act, Experian, has violated my rights. 15 U.S.C. 1681section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. I requested old addresses to be removed off my report since they are nonmailable. They did not comply. My transaction history has been shared and I do not consent per 15 USC6802. 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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