vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-04 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have a XXXX XXXX credit card which was administered through XXXX XXXX until XX/XX/2024. Effective XX/XX/XXXX, Synchrony Bank is the new creditor. 
I tried to check my previous monthly statements today because the current balance that I was given by Synchrony seemed high.

I registered as an account holder and logged into my account. I only could see my past activity, not my monthly statements. I called customer service, and I was told that the statements are not yet available because they have not been uploaded yet. The customer service rep said it is going to take a while because there are so many XXXX XXXX XXXX  holders. My only option available, according to the customer service rep, to see my previous monthly statements, was for hardcopies to be mailed to me, which would arrive in XXXX to XXXX business days. 

I can no longer log into my XXXX account because the account has been closed. 
With XXXX, I opted for electronic delivery of my statements, because I wanted to be environmentally conscientious. Now, I can not even look at past statements to determine whether my current XXXX XXXX XXXX balance is accurate. 

There seems to be something illegal about a consumer not having access to past monthly statements because the statements have not yet been uploaded by the new bank. And the customer rep could not tell me when the past monthly statements would become available for viewing through my online account. Would you please help me with this?

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 2024-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: OH

Complaint narrative:
I gave back a car that did not run properly and had multiple issues and recalls from XXXX XXXX XXXX. This vehicle should have never been sold to me, the car lot where I bought it had been closed down and is under investigation for fraud! 
I in return could not even trade in this vehicle because of the recalls! So therefore I gave it back to the finance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Mortgage went from $ XXXX to $ XXXX overnight without notice. 
We were aware of an {$8000.00} forced placed insurance policy that we were being charged. 

We had previous coverage. 

They charged us {$8000.00} in XXXX and {$8000.00} in XXXX without notice. Then raised our payment to $ XXXX from {$900.00}. 

When we called we were told that the insurance was back dated to when they say we didn't have coverage. So these charges were for the 2 previous years. 

I expect they would appreciate us not being able to pay our mortgage since it's escalation of {$2200.00} a month and we own XXXX  % of the house. The loan is only for XXXX  % of the value. 

Back dating and charging $ XXXX for previous years imo is a scam and mortgage servicing abuse especially when you are not notified of the increase and given a chance to fix them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
Navy Federal has discriminated against veterans by denying VA loan applications without sending explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: National Credit Systems,Inc.
State: SC

Complaint narrative:
I am writing to formally dispute the presence of an account listed under your company 's name on my recent credit report. Upon reviewing the report, I was surprised to find an account that I have no knowledge of or association with. 

As a diligent consumer, I routinely monitor my credit report for accuracy and consistency. The discovery of this unfamiliar account has raised concerns regarding potential inaccuracies or fraudulent activity. 

I hereby request that you conduct a thorough investigation into the origins of this account and provide me with detailed information regarding its creation and associated transactions. Additionally, I urge you to take immediate action to rectify the inaccurate reporting on my credit profile. 

Maintaining the integrity and accuracy of my credit report is paramount to my financial well-being. Therefore, I expect prompt and decisive action in resolving this matter. 

I appreciate your attention to this dispute and look forward to a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: PA

Complaint narrative:
I noticed unauthorized and fraudulent inquires on my credit report. Those inquires consisted of the following. XXXX  XXXX bank XX/XX/24

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: MN

Complaint narrative:
I am writing to formally request the immediate removal of several credit inquiries and one fraudulent account from my credit report. I did not authorize these inquiries or the opening of the account listed below, and I assert that their presence is adversely affecting my credit score. 

Fraudulent Account : XXXX Date Opened : XX/XX/XXXX Unauthorized Credit Inquiries : XXXX. XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX ( Retailer ) XXXX. XXXX XXXX - XXXX XXXX, XXXX ( Finance ) XXXX. XXXX XXXX XXXX - XXXX XXXX, XXXX ( Bank ) XXXX. XXXX XXXX XX/XX/XXXX ( Bank ) XXXX. XXXX XXXX XXXX XX/XX/XXXX ( Finance ) XXXX. XXXX XXXX Bank - XX/XX/XXXX ( Bank ) XXXX. XXXX XXXX XXXX - XX/XX/XXXX ( Finance ) XXXX. XXXX Bank XXXX. - XX/XX/XXXX ( Bank ) XXXX. XXXX XXXX XXXX - XX/XX/XXXX ( Finance ) XXXX. XXXX XXXX via XXXX - XX/XX/XXXX ( Finance ) XXXX. XXXX Bank - XX/XX/XXXX XXXX. XXXX Bank - XX/XX/XXXX XXXX. XXXX Bank - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX These inquiries and the fraudulent account were made without my knowledge or consent. I insist on their immediate removal to prevent further damage to my credit rating.

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 2024-05-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: GA

Complaint narrative:
After pulling my report I noticed a collection account owed by XXXX XXXX XXXX showing that I owed a former community {$1400.00}. I contacted the company and asked for a detailed ledger with explanations. The ledger showed that I paid my last month 's rent and final utilities. It also showed the {$1400.00} as a reletting fee. When I asked what a reletting fee and to prove that I owed this, they could not. So, I personally went to XXXX XXXX and requested a ledger and explanation from them. They gave me a printout showing that I had a {$0.00} balance and that they had no idea what the {$1400.00} charge was. ( ledger attached ) So, I filed a dispute with the credit bureaus. Suddenly I received an email from the National Recovery Agency telling me that XXXX XXXX XXXX sold my account, but all I owe is {$51.00} now, and the rest of the debt was paid off. I know that the credit bureaus did not research, because they would have seen that my account was sold. XXXX opened a dispute and settled and closed it the next day. I am attaching the ledger from XXXX XXXX showing a {$0.00} and contact information, because obviously the bureaus are not researching. Please contact XXXX XXXX. They will tell you that I owe nothing. ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. Block and remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 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: IN

Complaint narrative:
have contacted all companies : Equifax, XXXX, and XXXX, and expressed my request for them to remove the inquiries. However, I was informed that they would do so, but they never have. 

They furnished my consumer reports to different companies without a permissible purpose, as per 15 USC 1681b ( 2 ), or knowingly without a legitimate business reason pursuant to 15 U.S.C 1681b ( a ) ( 3 ) ( F ) ( i ).

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681b ( a ) ( 3 ) ( F ) ( i ), for unlawfully furnishing my consumer report on different dates without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA ) and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless : The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

I have been added in several data breaches : 
Data breaches : Review the data potentially exposed in 10 breaches : XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX  Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX XXXX Email List Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: IN

Complaint narrative:
have contacted all companies : XXXX, XXXX, and Experian, and expressed my request for them to remove the inquiries. However, I was informed that they would do so, but they never have. 

They furnished my consumer reports to different companies without a permissible purpose, as per 15 USC 1681b ( 2 ), or knowingly without a legitimate business reason pursuant to 15 U.S.C 1681b ( a ) ( 3 ) ( F ) ( i ).

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681b ( a ) ( 3 ) ( F ) ( i ), for unlawfully furnishing my consumer report on different dates without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA ) and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless : The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

I have been added in several data breaches : Data breaches : Review the data potentially exposed in 10 breaches : XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX  Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX XXXX Email List Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX 2019

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 2024-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Possible Financial Inc
State: OH

Complaint narrative:
It was a {$25.00} loan it happened around the pandemic. I'm in the process of getting it paid but they need to stop recharging it to my credit. It shows up as a new loan when it's not and they try to use a little different of a name each time but will still have possible Finance somewhere in the wording it is causing my credit on here to not go up when I have a over XXXX credit score on other 2 credit platforms

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Hello, I hope youre doing well. I have an existing Credit Karma Spend and Savings account. Credit Karma always tries to push the Credit Karma Credit Builder on their customers. I received an email from Credit Karma Credit Builder that, I had a line of credit of {$1000.00} to use. They would take {$10.00} up to {$80.00} to pay towards any of the {$1000.00} credit I used. I didnt like how the Credit Karma BuildeXXXX account was set up or how it worked. I called their customer service department several times to understand how I thought the program worked.. I needed this to make since as to how having this account would be beneficial to me. I could never get a concrete explanation that made me feel comfortable as a consumer. So, I verbally cancelled this Credit Karma Builder account on XX/XX/XXXX. I then followed up with an email to the Credit Karma Credit Builder customer Service Department. I just noticed on my XXXX, XXXX and XXXX credit reports that Credit Karma reported my account as a charge off. This is a false statement. I closed the account. They didnt close my account. After closing the account, I was just reimbursed the {$10.00} on XX/XX/XXXX that was set to be sent back to me 7 days after closing the account. The fee from this account took longer to be reimbursed back to me. Please delete the false account indicating I defaulted. This isnt true. I have the proof to support my concerns. I wasnt in default. They didnt close this account. I did. I have sent you the proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Upon further investigation I have discovered the creditor is claiming to have charged-off this account. Considering it is almost tax season and I would be committing tax fraud if I did not claim this charge off on my taxes. I am writing this correspondence to request my 1099-C that is associated with this charge off that is in your books. This has been owed to me because the debt that you charged off was more than $ XXXXBecause the 1099-c becomes taxable income for me and income does not belong on credit report, this account must be removed from my credit reports or updated as paid in full immediately after my receipt of the 1099C for this charged off debt. Charged off debts means the debt has been forgiven or paid by insured bond.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: PA

Complaint narrative:
I noticed unauthorized and fraudulent inquires on my credit report. Those inquires consisted of the following. XXXX XXXX XXXX XXXXXX/XX/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 2024-05-04 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: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
There were six XXXX XXXX transactions that were withdrawn from my checking account that I didnt authorize. Someone obtained my husbands XXXX XXXX information and mine and sent the money to themselves. I filed 2 claims with my bank Chase and they didnt revert the funds back to me because they are saying the transactions were authorized since it matched my IP information from my device. I spoke with XXXX XXXX and they couldnt assist because the transactions arent on my statement. 

XX/XX/24 : {$65.00} XX/XX/24 : {$75.00} XX/XX/24 : XXXX XX/XX/24 : {$170.00} XX/XX/24 : {$28.00} XX/XX/24 : {$16.00} XX/XX/24 : {$80.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My personal information is inaccurate I have multiple names, addresses, and phone number that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit 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: U.S. BANCORP
State: HI

Complaint narrative:
My US bank credit card information was stolen. I found XXXX XXXX XXXX  XXXX '' charged me {$530.00} on XX/XX/year>. I contacted US bank XXXX XXXX XXXX XXXX XXXX  on XX/XX/year> to dispute this charge. They investigated but they charged {$530.00} back to my account today. I investigated myself by going to XXXX web site. They created my account with my email address and showed the purchase history in their website. It is still there as of today, XX/XX/year>. They do not reply to my request. The purchase order history shows the order I have never authorized. The order was placed on XX/XX/year> and it was canceled on XX/XX/year> XXXX XXXX XXXX XXXX  ). US bank has not replied to the reason why they did not Horner my request, but they did not remove this charge from my account and now I am responsible to make the payment for this fraud activity. It is not fair for me to pay for this amount for the fraud activity. I gave them the information about the web site, but I do not think they looked into it.

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 2024-05-04 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:
Dispute Regarding XXXX XXXX XXXX ACCOUNT XXXX I am writing to formally dispute the presence of account XXXX on my credit report, which is inaccurately impacting my credit score. Despite my previous dispute and request for reinvestigation, the account has been verified with inaccurate information, which is in violation of the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, I have the right to accurate and verifiable information on my credit report. However, the information provided regarding this auto loan account is erroneous and is unfairly affecting my creditworthiness.

Therefore, I am requesting the immediate deletion of this account from my credit report. Its continued presence not only violates my rights under the FCRA but also unjustly impairs my ability to access credit and financial opportunities.

I expect a prompt response to this dispute and request, in accordance with the regulations set forth by the FCRA.

Thank you for your attention to this matter.

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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My personal information is inaccurate I have multiple names, addresses, and phone number that are not mine.

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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My personal information is inaccurate I have multiple names, addresses, and phone number that are not mine.

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 2024-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Made a $ XXXX payment. Received a text that payments has posted while the payment is subsequently placed on hold. The following day, a 2nd hold is placed thus holding my payment an additional 5 days. BofA will not give me a reason or send me documentation on why this 2nd arbitrary and capricious hold was placed. They refuse to remove the secondary hold. This happens with both of my BofA credit cards.

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