vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-12 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Despite the numerous attempts to reach out to Synchrony Bank/Ashley XXXX, they have failed to remove the inaccurate reporting of 8 late payments in XXXX/XXXX  on my now closed account. 

I was NEVER late on this account. The lates they reported were due to fraudulent charges I was not aware of at the time. 

I filed a report with the FTC and SYNCB investigated the disputed amount. It was resolved in my favor. They informed me via letter that all charges & fees would be credited and that they would update the major credit reporting agencies -- which they did not and it has been 2 years since the resolution of this dispute. 

Working with Synchrony has been a frustrating and difficult experience with their poor customer service and lack of follow-through. I will not obtain credit through them anymore. They do not look out for their customers. Very disappointing.

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 2020-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
1. They are reporting me 30 days late for XX/XX/XXXX updated on XXXX with the wrong balance again. It is not the end of XXXX. 
2. Same thing for XXXX, XXXX and XXXX of XXXX. 
3. I have an agreement from Ocwen Mortgage Services that due to XXXX and Medical problems for myself and wife which was transferred to PHH Mortgage Services and Verified with PHH when transferred. The agreement allows me to be 30 days late after the XXXX of the month which is the last day to pay. Then they couldn't find it and asked me to email a copy which I did. They lost it though I got a letter of receipt. 
4. They are holding up cashing checks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: MS

Complaint narrative:
i sent letters to Equifax about some negative items on my report and they have not corrected them : One was XXXX  XXXX XXXX XXXX XXXX account that they closed and Deleted from my active credit account without my authorization, the following accounts has NOT been Deleted from Equifax BUT has Been Delete From XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX Convergent Outsourcing called me from a XXXX local number asking me for a Mr. XXXX, I told him that this was not Mr XXXX 's number, He was a past client, he no longer was and to please remove my number from there list, which they said they were. 

However, again on XX/XX/XXXX, They called me again asking for Mr XXXX again, Convergent Outsourcing kept calling my personal number to ask for someone else, I have also filed a law suit against them, but Convergent believes its ok to keep calling consumers even when you tell them not to call.

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 2020-02-12 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX. I tried to request all three of my free reports and 2 of the three requests failed in that online delivery was either unavailable ( XXXX  ) or the webpage that displayed the report failed ( TransUnion ). Once reaching these pages the system recorded that I had been provided the report and that I would have to wait 12 months again. I never received either of these reports due to the website 's technical error through no fault of 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 2020-02-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
This is old debt that was from 2013. They've bought the debt from clear creek lending in attempts to gain payment. The are threatening to sue for the debt but are unable to substantiate the debt entirely and when I talked to them they threatened to sue me and take my house. 

They threatened to sue me and take my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Machol & Johannes, LLC
State: OR

Complaint narrative:
I was garnished in the summer of XXXX by Machol & Johannes LLC who represented XXXX XXXX XXXX   regarding an unpaid credit card. The balance of the debt was {$3000.00}. The garnishment totaled {$2500.00} dollars, and ended on XX/XX/XXXX. A payment plan was setup to pay {$200.00} a month for the remaining balance. The first payment began on the XXXX XXXX. I assumed the payments would discontinue after I satisfied the debt in full. They did not, and I had to revoke the payment plan in XX/XX/XXXX. 

When I contacted the Machol & Johannes LLC ( aka debt collector ) on the over payment there stance was until they actually receive the money from the garnishment, the balance will not change. It is Machol & Johannes responsibility to request the money from the courthouse. They have sent me letters periodically about paying the debt, and I contacted them again by phone XX/XX/XXXX regarding the debt. They still had not requested the money from the courthouse a year later. 

The latest letter I received from the debt collector was dated XX/XX/XXXX stating that I still owed {$2300.00} dollars, and they would settle with a lump sum payment of {$1100.00}. I contacted them on XXXX XXXX and they had no record of the garnishment money. I contacted the courthouse and was provided with a copy of the Judgement on Answer And Order to Pay which was filed by Machol and Johannes LLC on XXXX XXXX for the amount of XXXX. I was also provided with a copy of the check for this amount which issued on XXXX XXXX and mailed on XXXX XXXX. They state they have not received the check. 

I confirmed with the courthouse accounting department on XXXX XXXX that my garnishment account still has {$860.00} that has not been requested from the collector. When I informed them of this, they state they have no knowledge of the additional monies. They continue to misrepresent the amount I owe them and have kept this account alive for almost two years after all monies have been paid in some form. Machol and Johannes LLC currently owes me {$280.00} as I have overpaid on this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have a problem with Transunion and their scoring method, it seems every time a negative item comes off my credit report instead of my score going up it drops substantially. I have complained about this before to no avail. The government is supposed to protect the consumer from this type of prejudicial system. Its mind boggling that I reach a certain plateau and they will not let my score get any higher and then drop it close to 90 points without ever increasing it the same as it was dropped. I am convinced that there is some corruption in their system. This is the last time I'm submitting a complaint. Next I will hire an attorney to investigate there practices based on age, race and other factors. To compare others

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 2020-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NC

Complaint narrative:
PNC bank has failed to protect me as a customer someone hacked my account and made several unauthorized XXXX XXXX  transactions many of times I try to dispute this but the claim always get denied. 1st dispute I filled it out under the wrong dispute reason. When I tried to appeal it did not work out for me. I tried many times enough is enough. PNC is violating federal rules and failed to libe up to its " Zero liability '' protection policy. In addition I run my own business, have a family of XXXX children I cant afford to lose any funds stolen from me. I nees my funds returned to my account ending in XXXX ASAP

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SIMMONS FIRST NATIONAL CORPORATION
State: TX

Complaint narrative:
I paid off my loan and received my car title, so am sharing this information in order to protect other customers who may be experiencing the same issue without their knowledge.

I made six payments to 1st Simmons ( Arkansas ) over the course of several weeks, each time stipulating that the entire amount be applied to principal. In every case Simmons applied as a regular payment, not toward the principal. I exchanged over twenty emails with Simmons to correct the misapplications. The person handling my complaints to correct the misapplications was very professional and very helpful but the problem continued to recur.

1st Simmons website has no mechanism, no special button to click, to apply the payment to principal as is the case with the websites of other lending institutions with which I have loans. Instead, the Simmons website has a notepad on the payment screen. On each payment that I made I entered a message to apply the entire amount to principal. On each occasion the payment was not applied to principal. Making a principal payment over the phone with Simmons requires an extra fee. 

If I had not followed through to check that my payment went to principal as I requested, I would have paid more on my loan. This may be happening to other Simmons customers.

After final payment and receiving my title, I sent an email, requesting that the email be forwarded to management, explaining my concerns and th
at I felt obliged to make other potential customers aware of the situation I experienced with Simmons. I received a reply back ten days ago saying that my email had been forwarded to  management. I have not received a response from management.

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 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX XXXX , XXXX XXXX, FL XXXX Re : Account # : CHILD SUPPORT Dear Sir or Madam ; Click For More Info I disputed the referenced accounts above on ( date you sent them original dispute letter ). The credit report of ( date you recd notification it was removed ) and your report # shows these items were deleted from my credit file. Now these items have been reinserted on my credit report.

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.

*Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accur
ate.

*If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably
available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. 
Thank you, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX XXXX , XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: UHG, LLC
State: GA

Complaint narrative:
Disclaimer : I do not know the name of the company calling, only that they call from XXXX. They identify I believe as XXXX, but identified themselves to my mother as UHC and claim they are a pre-legal collection agency calling on behalf of XXXX XXXX. 


The loan was taken out in XXXX of XXXX. The company that keeps calling me has not identified themselves, only the representative named XXXX. She identified the company as a pre-legal collections agency. 

This started when the company called my mother ( a reference for the loan ) on XX/XX/XXXX and advised her that I had a debt with XXXX XXXX XXXX XXXX and I should call XXXX extension XXXX because I have attempted to defraud the company and they will take legal actions against me. I then called the company directly and advised them that as far as I know legally, they can not share specific information with my mother and that I was not going to be paying this debt. 

This company proceeded to call me over the last few weeks despite me asking them to do what they needed to do. Today, XX/XX/XXXX, they called me twice back to back. I called them back ( forgetting whose number it was ) and the woman, XXXX, who spoke to me was very defensive when I asked who was calling and why she needed my mailing address. She stated that I've talked to this office before, so I should know. When I explained I did not remember, she said " so you're saying you never spoke to us? '' I repeated, I don't know who you are - I don't remember. '' I then realized who it was and hung up. They then called me again twice more then called my brother 's phone ( also a reference ) and also told him they were calling me regarding a legal matter and I should call back as soon as possible. So I called them back and advised that this was harassment, at which point they responded that they were entitled to call me as many times as they wanted, and divulge information to whoever they wanted, because they are a pre-legal collection agency, so by law they can do that. 

I do not know the name of this company but I have the notes from my mother 's conversation with them, the voicemail recording my brother received, and a record of both missed and answered calls by them. They have not only threatened to but have actually contacted others to share information improperly. They have threatened to take legal action ( sue me, claim I attempted to defraud them ).  They have placed frequent and repetitive calls. They've used threatening language. They've kept calling even after I've told them to do whatever they need to do but to stop calling.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Hello, My name is XXXX and I'm experiencing issues with Navient Student Loans reporting late payments to the credit bureau. Below is the sequential events that caused my account to be considered delinquent. 

1. I was approved for forbearance from XX/XX/XXXX - XX/XX/XXXX. My first payment was due on XX/XX/XXXX. 
2. On XX/XX/XXXX I was rear ended in a car crash and taken to the ER. I remained in the hospital for 5 days but wasn't released back to work. 
3. Due to being out of work for my accident, I was required to apply for FMLA/XXXX XXXX XXXX. As a result of being out of work, my time was not entered into XXXX and I wasn't paid resulting in the XX/XX/XXXX payment to reject. 
4. I received a letter on XX/XX/XXXX advising that my loans are at least 10 days past due but I still had time to make a payment to keep my delinquency from being reported to the credit Bureau. The document provided a breakdown of the amount owed and displayed an amount for 2 months ( 2 missed payments ) 5. On XX/XX/XXXX I made a full months payment that posted on XX/XX/XXXX ( 2 days prior to my due date ) which according to the delinquency letter should have removed 30 days ( 1 cycle ) from the total days my account was considered late. 
6. On XX/XX/XXXX I made another {$1.00} payment to enroll back into retroactive forbearance that was applied from XX/XX/XXXX - XX/XX/XXXX. 
7. On XX/XX/XXXX I received a confirmation letter confirming my forbearance was approved and specifically under the credit reporting heading, the document reads " If your loans were delinquent and your loans have been reported to the credit reporting agency, information reported BEFORE the loan was processed will not be removed '' 8. On XX/XX/XXXX I received an alert from my credit monitoring service that my Navient Loans were reprted between 90 days late for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX even though my forbearance was processed 3 days prior to being reported as late to the credit agencies. 
9. Today I received a new alert showing that XX/XX/XXXX 's late payments were removed but now XX/XX/XXXX is now showing as 120 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: GA

Complaint narrative:
On XX/XX/2019, about XXXX XXXX I was locked up in XXXX, didnt get out until XX/XX/2019, I attempted to use my  netspend card, it didnt work, I called netspend to complain, file a dispute, they denied my claim saying they did nothing wrong, but on XX/XX/XXXX, a new card was issued to someone while I was in XXXX. Can anyone help me get my Social security money back almost {$4000.00}. I contacted the president of netspend he tried to reopen it, that department denied, contacted XXXX, they stated that netspend stated, they did nothing wrong. Can anyone help me to get my social security money back. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pinnacle Asset Management, LLC
State: CA

Complaint narrative:
Pinnacle Credit company has found a way to buy an old credit card debt and then they got a judgement against me and now are taking money out of my checking account. They never served me or notified me. I can not put money into my account to pay my bills. 

They say I owe {$14000.00} The case number is XXXX out of XXXX XXXX, CA

Company response to consumer: Untimely response
Consumer complaint received 2020-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX at about XXXX XXXX I attempted to withdraw {$100.00} from a XXXX XXXX ATM account located at XXXX XXXX XXXX XXXX in XXXX XXXX Florida located inside a XXXX XXXX convenience store. 
I used my American Express Serve Card # XXXX XXXX XXXX Exp XX/XX/XXXX in my name , XXXX XXXX. 
The ATM Delivered no money, however a {$100.00} debit appeared on my statement. I received the attached receipt indicating that they were " unable to Process This Trans At This Time '' ( See Attachment ) I contacted American Express 3 different times, the XX/XX/XXXX, the XX/XX/XXXX and the XX/XX/XXXX and all 3 times they stated that they were sending me an Email so I could dispute the {$100.00} charge to my account. I had them send me an Email so I could verify it. I searched all spam folders for anything from them and I have not received any email to dispute this charge. my Email address is XXXX. 
As of today XX/XX/XXXX I have not received an Email as promised and the {$100.00} charge is still in place.

Company response to consumer: Closed with monetary relief