vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX and Im need to file a second complaint on Care Credit. Last XXXX, XXXX I reported to your agency that I was being charged late fees and interest charges on my account for payments that were made in advance of the monthly due date. Upon my complaint with your organization all of the fees were reversed and credited back to my account. However, this month they started charging my account late fees and interest charges again on my payment made in advance of the XXXX. XXXX due date for XX/XX/XXXX. Ive called several times and they refuse to reverse the charges again. They also have locked my access to my online account. This account is an 18 month 0 % interest account that Ive never made a late payment on. Please advise. 

Thank you! 
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 monetary relief
Consumer complaint received 2022-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: DE

Complaint narrative:
This is with regard to my refinance with Better Mortgage Company of my home which we purchased from XXXX XXXX ( XXXX Model ) .I locked the rate with better mortgage on XX/XX/XXXX for 30 years with 2.75 % Interest rate. The vendor from their company conducted the appraisal and reported inaccurate report. I disputed the appraisal on the below points 1.The model of our home is XXXX from XXXX homes and the evaluator quoted it as a COLONIAL and compared it with other Colonial models. ( this concludes that this whole report is inaccurate ) 2. We come under XXXX school district and report quotes as XXXX school district. 

3. The Appraisal value was quoted a {$500000.00} way below the purchased price. 

We disputed and they apologized for their mistake and returned the Appraisal refund and extended the lock rate till XX/XX/2021 and promised to re-evaluate our home. 
As promised, they re-evaluation came up with a new price quoted as {$540000.00}. 
My dispute is : 1. Our home value as per the appraisal done on XX/XX/2021 is {$560000.00}. I dispute the appraisal reports from the XXXX as it is showing 2 % less from last year. I dispute this as the market rate is at-least 15 % high from the time I bought. considering three home comparisons that I provided from my builder They need to re-do the appraisal to get the accurate numbers. 
3. They need to extend my lock rate as we lost 3 weeks as the appraiser provided inaccurate information. The company is forcing me to withdraw my application. I requested you to re-evaluate the home appraisal as the market rate is at least 15 % high now and extend my lock rate and help to close my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: CO

Complaint narrative:
This has been going on with XXXX, Equifax, and XXXX for years. At first I disputed the mark on my credit because it had been on there for over the years. The age view notified the creditor and the creditor simply changed the date on the credit. On multiple occasions I have asked XXXX, Equifax and XXXX, to please conduct a proper investigation and have the creditor provide proof of said loan with documents showing the terms of the loan and must include my signature. They have not been unable to provide this documentation as it does not exist, but they have yet to remove it from my credit. I have disputed this account multiple times all with different reasons why this is not my loan and the Credit reporting companies do not find any proper documentation proving anything but still don't remove this. I spoke with an agent at XXXX once over there phone, and they said that since the creditor is a member to XXXX they do not investigate and take their word for it. I thought the FCRA was made to prevent situations like this. If damaging someone's credit report, simply because you have the capital to be a member, is permissible by the FTC CFPB and therefore our government, then things are a lot worse than imagined. FTC and CFPB are put in place to protect consumers like me from the frauds which these large corporations continually commit. Credit companies should not be allowed to have members as this is a conflict of interest and the proof is right before you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Evaluate this account : XXXX XXXX Balance {$120.00} reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why is it that there is a {$120.00} balance indicating if it is a charge off 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 2022-01-25 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Evaluate this account : XXXX XXXX XXXX {$120.00} reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why is it that there is a {$120.00} balance indicating if it is a charge off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Evaluate this account : XXXX XXXX Balance {$120.00} reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why is it that there is a {$120.00} balance indicating if it is a charge off 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 2022-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
I contacted specialized loan servicing who handles my loan and ask them if they could roll one payment over to the end of the loan so I could keep up with payments. They said that would be fine then they asked if I would like a forbearance during covid until things got better, I agreed and thought it was a great option because they said that I could eventually roll the payments back to the end of the loan and start over when forbearance ended and covid was over. Unfortunately covid continued and so did the forbearance, Every time we extended the forbearance I explained to them that I wanted to make sure I could pay the payments at the end of the loan and roll them over They said it wouldn't be a problem and kept extending the forebearance. Now that I wan na go back to work in XXXX I said I wanted to end the forbearance and start paying payments.. Now they're telling me they won't roll them over to the end of the loan and want me to do a short sale.. This was not our original agreement and and they wont change there terms with a refinance or just roll them over.. I didn't do this to get kicked out of my house at the end of the covid lock down right when I'm about to go back to work. I will be contacting A mortgage attorney to address this issue If they will not rectify this problem or let 's call it miscommunication..

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 2022-01-25 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a {$460.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect. You have to withdraw this from my personal file. 

XXXX XXXX XXXX Balance {$460.00} ;

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 2022-01-25 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a {$460.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect. You have to withdraw this from my personal file. 

XXXX XXXX XXXX Balance {$460.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a {$460.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect. You have to withdraw this from my personal file. 

XXXX XXXX XXXX Balance {$460.00} ;

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 non-monetary relief
Consumer complaint received 2022-01-25 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: Synovus Bank
State: WA

Complaint narrative:
I'm using my rights as a Consumer to dispute inaccurate information of my consumer report. First Progress is reporting a charged off on my consumer report with a balance of {$190.00}. This was a secured credit card and which I made a {$200.00} deposit to open the account. I never received my deposit back after closing the account and any balance should have been paid off to zero with my deposit and the remainder sent back to me.

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. 

You and your inaccurate reporting have damaged my livelihood. 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details, exact Prohibition : a law or regulation forbidding something

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: CA

Complaint narrative:
I feel I have been taken advantage of due to malpractice while several laws are being broken under the FCRA by your company. 
This has caused me financial injury and this is call defamation of character. This inacurate reporting has stop me from employment opportunities. 
Do to this law braking reporting I have been denied sba loans as well as new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I feel I have been taken advantage of due to malpractice while several laws are being broken under the FCRA by your company. 
This has caused me financial injury and this is call defamation of character. This inacurate reporting has stop me from employment opportunities. 
Do to this law braking reporting I have been denied sba loans as well as new credit.

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 2022-01-25 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: CA

Complaint narrative:
XXXX repeatedly and deliberately put profits ahead of its borrowers it engaged in deceptive and abusive practices, targeted students who it knew would struggle to pay loans back, and placed an unfair burden on people trying to improve their lives through education Under 15 US Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
Under 15 US Code 1681a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation any credit transaction supposed to be excluded from a consumer credit report, if a social security card was used in the transaction.

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 2022-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

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 2022-01-25 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

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 2022-01-25 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Evaluate this account : XXXX XXXX XXXX  XXXX Balance {$570.00} reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why is it that there is a {$570.00} balance indicating if it is a charge off 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 2022-01-25 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Evaluate this account : XXXX XXXX XXXX XXXXXXXX Balance {$570.00} reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why is it that there is a {$570.00} balance indicating if it is a charge off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Evaluate this account : XXXX XXXX XXXX XXXX Balance {$570.00} reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why is it that there is a {$570.00} balance indicating if it is a charge off 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 2022-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I, XXXX XXXX, entered into a consumer credit transaction with, XXXX XXXX and Barclays bank. A consumer transaction in which a finance charge was involved. 15 USC 1681 ( A ) ( 4 ) under FCRA means the consumer has rights to privacy. in which XXXX XXXX and Barclays Bank failed to provide protection of my rights. Inclusive towards that. The Corporations failed to verify and respond to my accounts over 45 days which also violate my rights of reporting accuracy. I have sent in certified mail which I have receipts from that have yet to be verified also. Companies need to block and delete accounts from credit reports. I asked for signed documents and any validated documents they have and failed to provide. If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account.If you were able to conduct a proper investigation of the records for this account send all documents as i believe this is fraud on my credit report. these accounts are not 100 % accurate they reporting late payments. reporting without my consent these accounts are in huge violations.

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 2022-01-25 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account is not charged to me. My record shows that this account was Paid as agreed and Balance is 0. 

XXXX XXXX XXXX Balance {$0.00} ;

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 2022-01-25 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This account is not charged to me. My record shows that this account was Paid as agreed and Balance is 0. 

XXXX XXXX XXXX Balance {$0.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account is not charged to me. My record shows that this account was Paid as agreed and Balance is 0. 

XXXX XXXX XXXX Balance {$0.00} ;

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 2022-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

Company response to consumer: Closed with explanation