vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a Synchrony Care Credit Card. I had an existing balance of XXXX dollars that is charged interest until paid off at XXXX dollars per month. I have paid extra before a new charge of XXXX at no interest for 6 months. This is illegal and I have spent day waiting for higher up Synchrony Managers that told me the Synchrony Employees were wrong that I was correct. I can pay my regular XXXX dollar payment and XXXX toward no interest. First, I was told by lower XXXX to call each month and spend hours on hold after I make payment to get it reapplied or do it in 6 months and I said no I am XXXX this is unacceptable they refused other payment process as well just so that I can be cheated and never received the 6 month promotion of XXXX They told me pay XXXX for 6 months if you want and XXXX regular. They are not equipped to handle the promotion they offer. I want this fixed. I was charged XXXX dollars interest as part of this illegal scam. They are now saying they have no way to fix this even though the low manger said they would but higher manager said they must apply payment in excess of XXXX regular payment toward no interest. The do not understand my middle name is XXXX. That my full legal name is XXXX XXXX XXXX and when I say my name is XXXX XXXX they ask if I go by another name. I said you use my middle name but people say first and last name. This is my full legal name. The manager in XXXX told me he has no means of fixing this while telling me to call after making payment not when tryign to make payment or other means. This is nothing but a fraud scam. This is severe consumer fraud.

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 2021-06-07 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a credit with XXXX for more that 4 years I never own anything to no body always payed on time But one da desaire to close my account and put me in the bad credit so Im really disappointed question They can make people reputations bad any time they wan to put those people in orden thanks

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 2021-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
We recently discovered two FRAUDULENT charges on our account. 

XXXX billed {$69.00} on XX/XX/XXXX and again on XX/XX/XXXX for an account that was never purchased. 

NEITHER CHARGE WAS AUTHORIZED. 

To date, CITI has refused to file dispute claims against either FRAUDULENT charge.

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 2021-06-07 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: CA

Complaint narrative:
EQUIFAX IS NOT HELPING ME AT ALL EQUIFAX INDICATES THEY CANT DO A PERSONAL DISPUTES CONFIRMATION # XXXX RESEARCH NUMBER

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a chase account. They are not issuing me checks. I spent hours over the phone. I contacted their executive office but the issue is not resolved. I still do have received my checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Arcadia Holdings, LLC
State: PA

Complaint narrative:
This 3rd party Collection agency has Medical Statements that violate the HIPPA Policy which are my medical records. This is a Violation to my rights and my privacy with the hospital. I never agreed to sign for a 3rd party collection company to have my personal medical records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My dispute is with Capital One. They charged off my account in 2019 even though I still continued to pay what I could towards the debt. I was never notified and didnt know the account was charged off until I went on their website to make a payment. 

I called Capital One over a month ago in an attempt to settle the outstanding balance so I could get a letter of deletion or XXXX balance letter to improve my credit while I was applying for a mortgage. I was told they would provide that, but only if I paid through XXXX XXXX XXXXXXXX XXXX XXXX. I then called them and paid a settled amount on Friday, XX/XX/XXXX. 

I then called Capital One as I needed a XXXX  balance letter from them as requested by all 3 credit bureaus to update my credit score. They claimed the system hadnt updated even though they received verbal confirmation the debt was paid. I have yet to receive a XXXX  balance letter they promised if the debt was paid after making numerous phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I XXXX XXXX, natural person, original creditor, cardholder, and federally protected consumer, initiated a consumer credit transaction as the creditor, with GM Financial using my open end consumer credit plan. My social security card is the credit card that initiated the transaction. The transaction included a finance charge and pursuant to 15 USC 1605, " the finance charge SHALL be determined as the SUM of ALL charges ''. GM Financial has violated my federally protected consumer rights by furnishing a deceptive form, creating the belief in I the consumer that an alleged debt was owed to them by me, when in fact I was not willing, and I was harassed by mail to pay to avoid an illegal repossession of my personal property granted from my credit, for the second time. GM Financial has violated me, and countless other laws under the Truth In Lending Act, and i have filed multiple reports with proof with the CFPB, FTC, and i have sent them multiple Affidavits of Truth sworn before the most high of creation, under the penalty of perjury, and notarized by federal witnesses to protect my rights and receive appropriate remedy as prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: TN

Complaint narrative:
A company by name of " Credit Mamagement Company '' ( which is how it is listed on my credit file '' placed a debt on my report for {$680.00}. Never heard of the company nor have I received anything in writing about this company and a debt. It just popped on my credit file and I do not have any collections on my credit file, which makes me very suspicious of who this company is. I do know by federal law, I am to receive any debt in mail especially if someone claims they are collecting on behalf of someone else, they also must be licensed and bonded in my state of TN to collect a debt, in which this company has violated by not following federal law and notifying me of a debt they are trying to collect that has been paid as it was nothing but cable boxes needed to be turned it, which they have been already for over a year and I do not owe a cable company, if I did they would not be giving me my current service now in my name. This company further more is not licensed and bonded in TN to collect a debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in an envelope sent to all three credit bureaus ( XXXX, XXXX, and XXXX  ), this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases.

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company.

The account was also deleted from my XXXX  and XXXX  reports as well so in order to correct the inconsistencies between the XXXX, XXXX, and XXXX  credit reports, the account needs to be deleted from the XXXX  credit report.

The information for this account listed on my credit report is : CREDITOR : BARCLAYS BANK DELAWARE, BALANCE {$11000.00}, OPENED XX/XX/2017, ACCOUNT 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 2021-06-07 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: MO

Complaint narrative:
As a federally protected consumer, this is my Protection under the FCRA Section 623 and you failed to comply with reporting a notice to dispute. As a result, each account that doesnt have a notice of dispute is a {$1000.00} per Violation. Experian did not enter the notice of dispute on my Consumer Report. I mailed a letter on XX/XX/2021 and they have yet to follow the consumer laws and its almost been 2 months.

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 2021-06-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CapitalOne Credits card company. 

I have two separate credit cards with CapitalOne. 
They suddenly blocked my online account requesting more information.

I uploaded all the required legal documents and ID copies as they requested.

They assured me that they will take care of the issues within 7-10 business days.

It's almost 2.5 weeks. I have spoken to several account supervisors, and they keep on giving me the run around, going in circles, wasting my valuable time. 
No matter what I've tried, all communications lead to this same cycle of neglect, incompetence, unprofessional customer service, and complete lack of follow through. 

I am formerly complaining, because if I can't access my digital accounts online, I can not see what I owe or make the required payments, in essence, they are jeopardizing my credit. It is within my own legal rights to able to have access to my own accounts at anytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The accounts are outdated and exceed the statue of limitations on medical/credit card debt in the state of Florida and Nebraska. I have reached out to the creditor and the credit bureaus asking them to address this problem but I have gotten no response. Please Help Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: LA

Complaint narrative:
Incorrect information on my Equifax report I don't suppose to have any late payments data inaccurate with my XXXX  and XXXX  account I disputed the problem but they never fixed it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I filed a dispute and sent a letter regarding inaccurate and incomplete items on my credit report. It has been well over 30 days and I have not received a response yet. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress that you have caused me. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
i made a debt and disputed it with capital one and was told that capital one would take care of it, but after i paid capital one the sum of XXXX, they are trying to make me pay it again and i also know that they have a program called fraud protection that will help me, but they also refused to get that program up and going to stop the fraud that capital one is doing towards me, filed a compliant with f. d .i .c and going to dispute it with my own bank, XXXX XXXX i would like to stay with capital one, but with that kind of fraud going on, NO THANKS now they want to turn me over to collections and destroy my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

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 2021-06-07 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: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I would like to make a " goodwill request '' to have my late payment removed from my credit. I look forward to continuing to do business with your company, and I ask for you to please eliminate my late payment with the credit bureaus by filling out the " Universal Data Form '' and faxing it to the credit bureaus that you report to. I really do hope you can help me out, it would mean the world to me and will help me qualify for a loan I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital one is reporting incorrect information on my XXXX  and XXXX  report how can the same account show different data last activity on XXXX  is XXXX XXXX times late XX/XX/XXXX XXXX XXXX  last activity XXXX XXXX Late 30/60/90 XXXX Also charge off dates different XXXX And month reviews are different XXXX  XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I would like to make a " goodwill request '' to have my late payment removed from my credit. I look forward to continuing to do business with your company, and I ask for you to please eliminate my late payment with the credit bureaus by filling out the " Universal Data Form '' and faxing it to the credit bureaus that you report to. I really do hope you can help me out, it would mean the world to me and will help me qualify for a loan I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Our mortgage was transferred from XXXX to LoanCare. The XXXX payment was made to XXXX electronically through our bank account. We received a letter from XXXX that our payment was received and that the payment would be forwarded to LoanCare. In early XXXX we received a letter from LoanCare that our XXXX payment was not received and they would need to receive a payment ASAP. That began the whole process of calling more than 30 times, numerous emails with attachments including the prior stated letter from XXXX and the Transmittal form from XXXX XXXX XXXX  that an elelctronic payment had been made and received to XXXX bank in XXXX. On numerous occasions we have been disconnected without call backs as well as not received calls from managers that have been promised. We are currently waiting for their Research Team to make a decision on our case of where the missing payment went.

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 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I would like to make a " goodwill request '' to have my late payment removed from my credit. I look forward to continuing to do business with your company, and I ask for you to please eliminate my late payment with the credit bureaus by filling out the " Universal Data Form '' and faxing it to the credit bureaus that you report to. I really do hope you can help me out, it would mean the world to me and will help me qualify for a loan I need.

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