vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
XXXX charge on XXXX XXXX Mastercard 0f {$2100.00} paid in full on XX/XX/22. Credited {$2100.00}. XXXX statement had interest charge of {$23.00} ( rather usurous ) which I did not notice so entire amount of {$2600.00} was paid on XX/XX/22. I was credited with only {$260.00} so interest of {$66.00} was added to my XXXX statement. I spoke to XXXX and interest charge was removed and I paid entire remaining amount on XX/XX/22. XXXX bill shows interest charge of {$25.00} which, I was told, was related to underpayment of {$20.00} ( because of bank error ) in XXXX and they would not remove it. This has been reported to credit agencies and has affected my XXXX score and card maximums. I have asked to review the XXXX and XXXX checks. I was told this would be impossible because checks did not exist anymore. I need help to remove {$25.00} interest charge and to have credit reporting companies correct their records.

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 2022-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Two credit cards in my name I did not apply for. Bank of America on XX/XX/22 And another Bank of America card on XX/XX/22 Notified Bank of America on both 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
Consumer complaint received 2022-05-23 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX  Reporting car note a 9 late payments when the car is paid off and has been and they have said several times they will remove it and havent its been over a year and its hindering my credit from moving

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 2022-05-23 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: OH

Complaint narrative:
On XX/XX/2020, I contacted Equifax about the following negative accounts XXXX XXXX XXXX  ( Date Opened : XXXX XXXX XXXX Balance : {$560.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXXXXXX XXXX, Balance : {$230.00} ), XXXX XXXX XXXX Opened XXXXXXXX XXXX XXXX, Balance {$15000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have not been able to pull my credit report or lift my credit report for over 30 days. First they claim it's because there were open disputes, then they claimed I changed my pin to lift freeze, now they are uncertain way it was changed or ever lifted.

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 2022-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Modlin Slinsky, P.A.
State: FL

Complaint narrative:
Hello, I have a judgment against me from XXXX XXXX, Florida filed by XXXX XXXX, P.A in 2018 representing two XXXX credit card debts. 

One is XXXX, the other is XXXX... proximately. 

The issue I have is that during the past years, they have sent me several settlement offers which I have accepted XXXX times now but they are just " tossing '' me around by phone when I am asking to finalize the offer that I accepted. Last week my bank account got garnished leaving my bank account empty with XXXX dollars. I am a single dad with a XXXX XXXX XXXX daughter, and now we have XXXX $ and I don't even know what to do. I have called an attorney this morning, but since I have XXXX $ there is nothing I can do since they need to be paid. ( I don't qualify for free legal service ). 

This was not the first unfear and unethical action from this debt collector. They have wrongfully garnished my ex-wife 's account years ago when I had to hire an attorney to get the money back. 

This debt collector doing its job, however, they are manipulating and misleading, giving missed information and since their offer was accepted by me three times over the phone, at this point this is abusive. Any time I call, they listen to me, and they say they will get back to me but never happens anything. 

I really could use some help here, hopefully, you guys have something for me, and maybe I can help others who became the victim of Modlin 's harassment, abuse, misinformation, and manipulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, has violated my rights. 

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 explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
bank of America has not resolved transactions that was mede by someone else that i did not authorize. i have done all they have asked me too and filed a police report. i have filed disputes and i have talked to them numerous of times. there are two disputes and one is for XXXX the other is for XXXX they have says they are investigating. i just want my money back. I'm XXXX  due to not having money and need to pay rent to go back home.

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 2022-05-23 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account DEPT OF EDUCATIONXXXX # XXXX, XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
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 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX XXXX  neither am I liable. I do not have a signed contract nor any type of contract XXXX XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX XXXX  and myself! Please send the proper validation

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 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX XXXX  neither am I liable. I do not have a signed contract nor any type of contract XXXX XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX XXXX  and myself! Please send the proper validation

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 2022-05-23 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: GA

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have a right to privacy 15 U.S.C section 604 section 2 : it also states a consumer report can not furnish an 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 2022-05-23 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: GA

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have a right to privacy 15 U.S.C section 604 section 2 : it also states a consumer report can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: PR

Complaint narrative:
I have a JetBlue XXXX issued through Barclays. 

Recently, a judge ordered all of my bank accounts frozen due to divorce proceedings except for one account in the USA. I live in XXXX XXXX. My lawyer advised me not to use that bank account because we couldn't understand how a judge could freeze my accounts and he thought that it could be frozen too. 

Normally I do an automated payment but with my accounts frozen other than an account in the USA that my attorney told me not to use, I had to pay by other means and writing a check was not possible so a friend wrote a personal check to pay my account balance of {$460.00} for my XX/XX/2022 credit card statement. 

He wrote the check on XX/XX/2022. I wrote the credit card statement number : XXXX on the front of the check and mailed in the payment coupon along with my friend 's personal check. I have copies of the check and his account statement proving it was cashed by Barclays on XX/XX/2022. 

Unfortunately, this amount was never credited to my account and with the due date fast approaching I decided to take a chance and deposit money to my account in the USA and pay the {$460.00} through an electronic transfer. Although the balance has been paid twice, I have only received credit once. Barclays has never credited my account for the personal check from a friend and continues to waste my time and not resolve the matter. 

Over a month ago I called them and was told to write a letter. That seems silly because we know they cashed the check and have my money but have not credited it to my account. I asked for a supervisor and he told me he would initiate a claim and to call back in a week for the case number. At the time he also gave me an email address for their Resolution Department. When I called back the representative told me a supervisor would call me back. Two days later I received a call and was told a claim was never initiated. Once again I was told to write a letter and she said they'd write me back, but with some arm twisting, I was able to obtain an email address and she did initiate a claim while I was on hold. The supervisor found in their system the first email I sent them and verifed that it included scanned attachments of both the cashed check and my friend 's bank statement proving it had been cashed on XX/XX/2022. 

Barclays ' case ID # is XXXX. I have sent XXXX emails to : XXXX. So far they have ignored my claim. This seems strange but the fact that they have a specific department for these issues leads me to believe the problem may be systemic. 

I am shocked by their conduct in the 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 monetary relief
Consumer complaint received 2022-05-23 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: FL

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

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 explanation
Consumer complaint received 2022-05-23 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: OH

Complaint narrative:
I recently checked my credit report and noticed that lots of inaccurate accounts and inquiries, I immediately made a Letter to the respective agencies dated XX/XX/2022 and I wonder why after 30 days I haven't received any response from them so I had to research about my right and found that according to this article { FCRA 611 ( 15 U.S.C. 1681I ) } there's this 15 days additional for the reinvestigation. So I calm myself and waited for another 15 days to passed. Today I couldn't wait for another day it is over 45 days since I mailed them about it but still no response at all. According to article that I read failure to investigate 30 days gives a reason to immediately remove those items from my credit report. I feel like I am being ignored and being taken advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Hello, I have a judgment against me from XXXX XXXX, Florida filed by XXXX XXXX, P.A in 2018 representing two AMEX credit card debts. 

One is XXXX, the other is XXXX... proximately. 

The issue I have is that during the past years, they have sent me several settlement offers which I have accepted three times now but they are just " tossing '' me around by phone when I am asking to finalize the offer that I accepted. Last week my bank account got garnished leaving my bank account empty with XXXX dollars. I am a single dad with a XXXX XXXX XXXX daughter, and now we have XXXX $ and I don't even know what to do. I have called an attorney this morning, but since I have XXXX $ there is nothing I can do since they need to be paid. ( I don't qualify for free legal service ). 

This was not the first unfear and unethical action from this debt collector. They have wrongfully garnished my ex-wife 's account years ago when I had to hire an attorney to get the money back. 

This debt collector doing its job, however, they are manipulating and misleading, giving missed information and since their offer was accepted by me three times over the phone, at this point this is abusive. Any time I call, they listen to me, and they say they will get back to me but never happens anything.

I really could use some help here, hopefully, you guys have something for me, and maybe I can help others who became the victim of Modlin 's harassment, abuse, misinformation, and manipulation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23 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: OH

Complaint narrative:
I recently checked my credit report and noticed that lots of inaccurate accounts and inquiries, I immediately made a Letter to the respective agencies dated XX/XX/2022 and I wonder why after 30 days I haven't received any response from them so I had to research about my right and found that according to this article { FCRA 611 ( 15 U.S.C. 1681I ) } there's this 15 days additional for the reinvestigation. So I calm myself and waited for another 15 days to passed. Today I couldn't wait for another day it is over 45 days since I mailed them about it but still no response at all. According to article that I read failure to investigate 30 days gives a reason to immediately remove those items from my credit report. I feel like I am being ignored and being taken advantage.

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 2022-05-23 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: PA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions XXXX XXXX XXXX in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2022-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
CFPB : DO NOT LABEL THIS AS A DUPLICATE OF A PREVIOUS COMPLAINT, EVEN IF REQUESTED BY A COMPANY TO DO SO. THIS IS NOT A DUPLICATE ; IT HAS IMPERATIVE INFORMATION WHICH REQUIRES CAREFUL ATTENTION AND REVIEW. 

Previous CFPB reports ( pages 6-26 of attached document, starting from the most recent report ) brought to light Synchrony Banks disreputability. The last report ( XX/XX/2022 ) showed that Synchrony disabled access to my online account ( page 5 ) then took a payment out of my bank account despite XXXX XXXX stop payment order ( page 4 ). After receiving this report, on XX/XX/2022 Synchrony sent a letter saying they closed the account and notified the credit bureaus to disregard the loan in my credit report number ( page XXXX ). Despite saying this, on XX/XX/2022 they took {$1100.00} out of my XXXX XXXX account ( page 2 ). Similar to the fourth CFPB report ( XXXX ), the only way they could have overrode the stop payment is by hacking into my bank account. Evident in how XXXX XXXX deemed this transaction as illegitimate and reversed it ( page 3 ). 

Since hacking into my bank account multiple times is a felony which jurisdiction expands beyond the Consumer Financial Protection Bureau, I have also reported Synchrony to the Federal Bureau of Investigation XXXX Federal Reserve, Federal Trade Commission, Homeland Security ( Cybersecurity and Infrastructure Security Agency ), Internet Crime Complaint Center, and the Securities and Exchange Commission. 

Am I alone in being attacked by this company? Far from it. Their XXXX profile ( XXXX XXXX XXXX ) has a 1 out of 5-star rating based on 1022 customer reviews, plus 6932 customer complaints. Even more stories can be found on websites such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, hXXXX XXXX XXXX, XXXX XXXX XXXXXXXX, plus XXXX groups such as this one XXXX XXXX XXXX ) XXXX Red flags galore.

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