vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-22 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I was under " improperly served '' by XXXX County Court of NJ Special Civil Part. Under NJ Law Summons : 4:4-3 Personal Service. Notice of summons Doc XXXX. approx. dated XX/XX/XXXX was judgement date, was sent to an old address being XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. Never received, was under XXXX related treatments and hardships. I tried several times to work out a plan dating back with creditor, approx. XX/XX/XXXX. Not willing to make out a plan. Creditor had XXXX XXXXXXXX XXXX XXXX as Assignee of Synchrony Bank/Sam '' s Club. Execution Against goods and Chattel, by their assigned attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX.The law firm XXXX went to court had judgement take place, wiping out my checking account with XXXX XXXX XXXX . Approx XX/XX/XXXX {$6500.00} was taken from my XXXX XXXX XXXX  acct. I just recently was able to get most legal documents. Contacted Chief Justice XXXX 's office was advised to file complaint forms XXXX and XXXX. Advising the above parties, the Law firm vacated the Judgement dated XX/XX/XXXX. XXXX and XXXX XXXX  still will not enter into credit bureaus as satisfied, causing me great suffering to move forward in life, struggling in hardships. I am rejected for an apartment, can not move forward. Recently contacted all credit bureaus, still reading on reports by SYNCB? SAMS CLUB DC as written off closed {$6300.00}, past due well over 90 days, which was paid through this above course of action, and the assignees XXXX nor XXXX will address the matter with the credit bureaus. I never had a chance to voice or resolve this debt by the above assignees due to not receiving the Court legal summons. Wrong address.

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 2019-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: GA

Complaint narrative:
I XXXX XXXX filing this complaint on this First progress credit card company due to me having a paper less statement and was not able to go on line and see statement had to call First progress to asked why was this account not paid in full due to there was a low balance and request account information and was never told that all 8 payments that I paid by ACH was not going to principle they were going to late payment of {$40.00} ever month .I need First Progress Credit Co to credit my account of all Late payments fee. a letter attach was sent to company on two occasion. the say the did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: MN

Complaint narrative:
I am a victim of identity theft and a victim of the XX/XX/XXXX XXXX data breach. The following accounts and credit inquiries are all fraudulent and not my accounts or credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. These fraudulent accounts and credit inquiries are from my personal information being compromised from the XXXX data breach in XX/XX/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 2019-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation
State: KY

Complaint narrative:
Company called my main office line at work and harassed about making a payment on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
In XXXX, we received notice that are home has increased in value to the point we can have PMI removed. I sent a request to our mortgage company. They denied the request stating we had made late payment. We have never made a late payment, ever. I sent 24 months of payments as did our bank. I sent another letter asking for clarification on XX/XX/XXXX. No response. I have called and keep being told they are working on it

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: STERLING JEWELERS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent a letter to XXXX, XXXX, and XXXX, requesting for the deletion of inaccurate, unknown accounts on my credit reports. 

Specifically, a company named Kay JewelersXXXX reported a {$400.00} charged-off account, opened in XX/XX/XXXX, to XXXX, XXXX, and XXXX. Kay Jewelers/XXXX sent the account referenced above to a collections agency named XXXX XXXX XXXX XXXX in XX/XX/XXXX, for the amount of {$420.00}. 

I have never opened an account with Kay JewelersXXXX and do not know anything about the charged-off and collections accounts yet all three credit bureaus are still reporting these inaccurate accounts on my credit report. XXXX   updated my credit report with the following comment : " the company reported certified to XXXX that the information is accurate ; XXXX   updated my credit report with the following comment : " account information disputed by consumer, meets FCRA requirements '' ; and XXXX updated my credit report with the following comment : " consumer disputes after resolution ''. 

I was curious as to how Kay JewelersXXXX determined that an inaccurate account should remain on my credit report. Between XX/XX/XXXX and XXXX, I wrote additional letters to Kay JewelersXXXX, XXXX, XXXX and XXXX, requesting for the description of the procedures used to determine the accuracy of the disputed information and for validation obligating a payment. 

I have not received any responses from Kay JewelersXXXX or the credit bureaus. I am currently experiencing financial harm because of these companies ' negligent reporting practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In 2017 I froze all credit with all three credit bureau's after the XXXX data breach.  Today I am considering a new loan and contacted all three.  I had success with all but Experian.  Online I went through a series of giving info and answering questions to be told they couldn't verify if and require me to mail in name, address, dob, ss# copies of drivers license, utilities bills and a pin number I never received from them.  I called and answered all the questions again to which they denied me requests and gave me the same requirements and an address and the automated system quickly hung up the phone with no option to hear it again or speak with anyone.  This is an outrage as I  don't have a pin or any info from them from 2 years ago or any option to contact them but  snail mail and maybe I will hear from them who knows when!  I need to make purchases and have credit verified immediately with the option to freeze and unfreeze my credit immediately or within an hour or so due to the XXXX breach.  Experian makes it impossible if you do not answer correctly with no option but postal mail and serveral days.  I you have a purchase emergency where credit has to be verified you are out of luck.  They need the option of someone answering the phone to verify.

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 2019-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Avid Acceptance, LLC
State: CO

Complaint narrative:
Ok so the vehicle in question was in a recall for emissions fraud XXXX XXXX XXXX buyback. They Settled for a fix amount for a fixed time period. And a fixed mileage. This company knowing this was trying to get me to pay during the time for the time it took for payout of the vehicle. As you see the vehicle is paid off in full because of the buy back program agreement. I hadnt missed a payment until the settlement was finished. This company avid pressured me everyday for payment doing this time. I refuse to pay twice for a vehicle that was being paid in full so they Decided to report me during that time in question. And again I disputed how is that fair credit reporting. It my be close but how they reported this is absurd. But it ok you guy keep siding with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I was charged interest on promotional charges with Lowes on several occasions over the past few years, on the latest one on that expired on XX/XX/XXXX I was told by a lowes credit expert that I had a grace period to pay the interest of 30days and not be charged the $ 4700+ in interest, I immediately paid it within the 30days. I was also told that the previous charges that they had ran up on me of promotional interest were going to be waived due to this and the fact I had paid thousands of dollars in interest already. 

Since such time I have spoken to Lowes on 4 different occasions including 2 managers that keep telling me that this will be " taken care of '' within 24-48hrs and I had original transcripts of when that was said. I am sure there are notes. The latest notes would indicate per XXXX I owe and agreed to pay {$150.00} and that would clear the entire account. I waited another week it has not moved to that amount. I spoke to XXXX one of the " managers '' who felt the need to argue with me that she couldn't just make it go away and I tried to explain that this was 4th time I have talked to someone and that I was going to file a complaint and needed some real results and I am not Paying interest that i don't owe and especially when I was told that I don't have to pay it by more than one lowes representative. I need help to clear this once and for all and get transcripts and phone calls etc.

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 2019-08-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital one platinum card reported a late payment which was made on time and was not over 30 days late which they reported as. I filed a dispute they fixed it on XXXX  but not XXXX or XXXX and it dropped me over 30 points that it shouldn't have. And now XXXX and XXXX  are trying to post other cards as over limit and such when they are not as payments have been made and it keeps knocking off points and not putting them back or reporting correctly. This is the worst experience ever inaccurate invalid info and it hurting me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I called the phone number back that has been calling me daily for weeks now ( XXXX ) only to hear a prerecorded message stating that it is Sequium Asset Solutions attempting to collect a debt. There are no outstanding debts for either myself or my husband, with the exceptions of our home, cars, student loans, and credits cards, all of which are up-to-date on their payments. I believe these phone calls to be an attempt to extort information from me due to my having good to outstanding credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: PA

Complaint narrative:
Thank you. 

The company is Portfolio Recovery Services Reference # XXXX I have offered three times to pay the via an offer in compromise and a deletion from my report which is a common practice with this agency. I need help. The last payment of the original debt was in XXXX of XXXX. This company keeps re-aging the debt. The debt was originally purchased in XXXX of XXXX, when I inquired about the debt it was re-aged to XXXX of XXXX. I inquired again and it has been re-aged to XXXX of XXXX. I want this corrected on all three credit reporting agencies and I want it paid and deleted just like they do for everyone else. I have made three offers. Collection calls from Portfolio Recovery services began in XXXX of XXXX and accompanied a letter just like this attached one dated XXXX of XXXX. 

Help. me. please. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am trying to get electricity at my home through an energy provider called XXXX XXXX. The energy provider will not give me electricity until they can check my Experian credit. I have tried the one time pin and the temporary credit freeze lift. I have repeatedly tried talking to someone at Experian and their phone system does not allow me to speak to a person. I NEED someone to help me. I would like electricity in the hottest month of the 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 non-monetary relief
Consumer complaint received 2019-08-22 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: TX

Complaint narrative:
Equifax ; XXXX and XXXX are incorrectly reporting a foreclosure on the XXXX account number XXXX. ( Please see attached page from my credit report. ) My home loan was suppose to be in deferment due to Hurricane Harvey. I had applied for a hardship on this loan. I was receiving foreclosure notices and immediately contacted the lender. When I was able to speak with the lender he advised me to ignore these foreclosure letters because they were being automatically generated and because of the natural disaster the loan would automatically go into deferment and after the initial crisis was over, I would be able to make payment arrangements with the bank in order to keep my home. I trusted that what I was being told was in fact true however, as it turned out, this information was false and my home was in pre-foreclosure status. I paid the outstanding amount owed and the property is not in foreclosure status. The language on this line item Account paid after foreclosure started need to be deleted. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to remove this derogatory language from my credit report however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX  XXXX platinum card reported a late payment which was made on time and was not over 30 days late which they reported as. I filed a dispute they fixed it on XXXX   but not transunion or XXXX  and it dropped me over 30 points that it shouldn't have. And now XXXX and trans are trying to post other cards as over limit and such when they are not as payments have been made and it keeps knocking off points and not putting them back or reporting correctly. This is the worst experience ever inaccurate invalid info and it hurting me!!

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 2019-08-22 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: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX  XXXX platinum card reported a late payment which was made on time and was not over 30 days late which they reported as. I filed a dispute they fixed it on XXXX but not XXXX or Equifax and it dropped me over 30 points that it shouldn't have. And now equi and XXXX are trying to post other cards as over limit and such when they are not as payments have been made and it keeps knocking off points and not putting them back or reporting correctly. This is the worst experience ever inaccurate invalid info and it hurting me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: MO

Complaint narrative:
XXXX  XXXX platinum card reported a late payment which was made on time and was not over 30 days late which they reported as. I filed a dispute they fixed it on experian but not XXXX or XXXX and it dropped me over 30 points that it shouldn't have. And now XXXX and XXXX  are trying to post other cards as over limit and such when they are not as payments have been made and it keeps knocking off points and not putting them back or reporting correctly. This is the worst experience ever inaccurate invalid info and it hurting me!!

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 2019-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
ONE THING THAT I NOTICE THAT THE BANKRUPTCY COURTS DO NOT REPORT TO ANY CREDIT BUREAUS AND THE STATUE DIDNT NOT HAVE THE CITY AND STATE SPELL OUT THE CORRECT WAY. IT SHOULD SAY U.S. BANKRUPTCY COURT OF XXXX IN. THAT'S WHAT SUPPOSE TO BE IN ALL 3 BUREAUS SHOWING THE SAME

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 2019-08-22 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
The reason my XXXX XXXX was declined was stated as Your credit balance is too high relative to your credit limit When I looked at my credit I see my discover card reflecting a XXXX balance when in fact it has a XXXX with a credit limit of XXXX balance which is under 30 % usage. I believe this is the reason I was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
OnXX/XX/2018 I received an alert from Experian stating an inquiry had been made on my credit report by Experian Business Credit.  I contacted experian to gather more information on the inquiry as I did not submit any applications for credit utilizing my business name in the month of XXXX.  Experian provided the name of the entity that submitted the credit request. It was a company called XXXX XXXX XXXX and confirmed they made the request on XX/XX/XXXX.I explained to experian I wanted to dispute this as I made zero credit applications. They stated they do not accept disputes? I would have to contact the company, receive a written letter from them stating the inquiry was in error and then they would remove it.I tried contacting the company to understand how they were able to pull my credit without my consent or without me having an active application for financing?I was given the run around and routed to another organization a broker for XXXX XXXX XXXX that contacted me in regards of merchant financing. To summarize the organization XXXX XXXX XXXX submitted an expired application from May to XXXX XXXX XXXX XXXX pulled my credit without my consent, XX/XX/XXXX submitted the request without me having an active application or my consent.Neither company is accepting responsibility and Experian will not remove the fraudulent inquiry from my report. I have written, email documentation from both organization that states they used an expired application and pulled my credit on XXXX without my consent. There is no documentation either organization can provide that shows I consented to a credit request on XXXX or filled out an application for financing.

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