vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
my account was closed by creditor when I had a XXXX  balance and was never late on a payme t therefore affecting my credit score significantly.

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 2020-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/XXXX, I fulfilled the settlement amount {$500.00} to Resurgent Capital Services L.P. for the original creditor XXXX XXXX  ( XXXX XXXX XXXX ) ; the agreed amount of {$100.00} per month for five months was collected from my XXXX account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which completed the {$500.00} settlement amount. Yet, on XX/XX/XXXX Resurgent Caital Services/LVNV Funding had XXXX XXXX XXXX XXXX send me a letter requesting additional monies for this debt. Then, on XX/XX/XXXX Resurgent Capital Services/LVNV Funding LLC had XXXX XXXX XXXX XXXX send me a letter requesting additional monies. Equally as important, I have received letters from Resurgent Capital Services requesting additional monies on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX even though the agreed upon settlement amount of {$500.00} was paid in full on XX/XX/XXXX. But, I continue to receive threatening letters regarding this debt which was paid in a settlement of {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
" I am submitting another complaint because I could not upload all the documents ''. 

This has been an ongoing nightmare for 18 months. I applied for a mortgage modification because I was in default for XXXX in XX/XX/XXXX. XXXX. It was a payment of XXXX. Bank Of American prolonged this until XX/XX/XXXX, because they wanted to add fees to the account. I sent in document after document for 11 months. I could not pay the XXXX dollars off because they added XXXX dollars to the total amount. When I got the document papers, I was told the trial payment was for almost XXXX instead of the XXXX I was told they added escrow payments. I pay escrow payments to my primary mortgage. I sent document after document to Bank of America. I paid XXXX for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I was told my payment for XXXX was XXXX. Ironically, a paid the payment with a representative. I received a note from BOA saying my bank account was not found. ( enclosed ) On XXXX XXXX I received another document from BOA entitled trial modification ( these are enclosed ) saying my payments would be {$380.00}. The documents had to be received by XX/XX/XXXX. Again they added the escrow and added in {$2.00}, XXXX. They keep adding these " third party expenses '' to my balance. They have added it 3 times. I am begging your agency to help me. I am enclosing my primary mortgage statement to verify I am paying my escrow to XXXX. I am enclosing the documents that BOA sent me. I am enclosing the XXXX payment that BOA claims they cant find my account at XXXX XXXX. 

ATTACHMENTS Image ( 12 ) .jpg ( 418.3 KB ) Image ( 13 ) .jpg ( 373.4 KB )

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 2020-06-24 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
When Covid-19 started my account was current. I tried numerous times to work with XXXX XXXX, called 7 times they told me they had no program for COVID-19. Every time I called they kept increasing the payoff. Then they reported negative delinquent to Experian. This is illegal during COVID-19 They cant report anything different until 120 after COVID-19 ends. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
RE : CFPS # XXXX Dear Sir/Madam : Please help me in my dilema, my credit score was almost at XXXX & I just reviewed and XXXX has reported a collection of {$110.00} and has brought my credit score down 25 points. 

I was a customer of Bright house for 30 years NEVER a late payment their price increase when XXXX took over were too high so had no other choice but to go with XXXX. 

I have worked for XXXX XXXX XXXX  settings and the collection agencies work for you so you do have the capability to pull an account from collections. I continuously called a XXXX no respone you would think someone would take the time to reveiw a persons good standing record and correct it. 

I am attaching an original letter sent to you for my original complaint from a {$49.00} package that was sold to me with a promise to pay the remainder of my XXXX contract which I was paying {$77.00} per month owing 3 months their bill totalled $ XXXX for basic cable which the package they installed was a spanish package which I did not order and by the early evening it was cancelled and my husband returned the equipment the next morning. 

We are senior citizens living on a fixed income and quite frankly {$160.00} for basic cable is " outrageous ''  By the Grace of God XXXX took us back and only charged us {$89.00} for cancelling before hand as opposed to {$300.00} however our new monthly payment is {$100.00}. 

This is a multimillion dollar company and when XXXX took over it spend millions on their new ads and of course who pays the consumer. It is not the money that is owed it is the principal of the matter. 

PLEASE help me obtain justice in this matter, these companies have insurance for these issues it was their error misleading customers, selling a package and installing another. 

I want this collection pulled from the credit burea completely as if it was their error because if it remains on my credit report it is hindering me. 

Thanking you in advance for all your efforts " CFPB ROCKS '' I am totally confident that you will be able to assist me in this matter and/or direct me to someone that can. 

Again, thank you in advance Please Stay Safe XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Yes the account in question was closed and when COVID 19 hit they reopened it so they can file a disaster on the closed account. This account is 7 years old. It is with credit acceptance

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 2020-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia
State: MD

Complaint narrative:
I have never been to Virginia to get medical care. 
I also have insurance. The company and agency are not responding to my complaints. 
The company is called Credit Control Corp. The agency has put this on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Earnest Inc.
State: MD

Complaint narrative:
My student loan is processed by Earnest. My standard rate is 4.210 %. I am enrolled in auto pay and as a result I supposed to receive a .25 % rate reduction. Despite my enrollment, Earnest refuses to provide the reduced rate without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Trying to open up a investment account and I can not why

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
American Express is refusing to process charge backs for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
BoA is refusing to process balance transfers without explanation or notice.

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 2020-06-24 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 Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY CHILD SUPPORT Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX COLLECTION ACCOUNT XXXX  - XXXX  SERVICE Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY SNAP-ON CREDIT Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY SYNCB/HAVERTYS Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX XXXX  XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY ALL FILED TO FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX, I fulfilled the settlement amount {$500.00} to XXXX XXXX XXXX XXXX for the original creditor Synchrony Bank ( XXXX 's Club ) ; the agreed amount of {$100.00} per month for five months was collected from my XXXX account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which completed the {$500.00} settlement amount. Yet, on XX/XX/XXXX XXXX XXXX XXXX XXXX had XXXX XXXX XXXX XXXX send me a letter requesting additional monies for this debt. Then, on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX had XXXX XXXX XXXX XXXX send me a letter requesting additional monies. Equally as important, I have received letters from XXXX XXXX XXXX requesting additional monies on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX even though the agreed upon settlement amount of {$500.00} was paid in full on XX/XX/XXXX. But, I continue to receive threatening letters regarding this debt which was paid in a settlement of {$500.00}.

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 2020-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have never received a loan from check n go NEVER. All of a sudden this month when I checked my credit score and reports, I seen a collection for check n go for {$590.00}. Once again I never applied for a loan or received that money At all. At this point Im pretty certain its fraud because on my XXXX app it only shows this month and this month only which is weird and then they reported to collections in the same month. I tried to dispute it twice and they wont take it off so Im trying to find more alternatives to get this off my credit knowing I didnt apply or got the money .And its not right nor fair for this to be on my credit and i didnt do it at all. And I was a victim of identity theft and I hope and pray this is not another incident

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: FL

Complaint narrative:
XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY CHILD SUPPORT Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX COLLECTION ACCOUNT XXXX XXXX XXXX SERVICE Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX  Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX XXXX  XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY ALL FILED TO FTC

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 2020-06-24 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: FL

Complaint narrative:
XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY CHILD SUPPORT Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX COLLECTION ACCOUNT JPMCB - CARD SERVICE Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY MACY'S/DSNB Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY SNAP-ON CREDIT Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX XXXX  XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY ALL FILED TO FTC

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 2020-06-24 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-06-24 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:
On XXXX XXXX I received a letter from PENNSYLVANIA DEPARTMENT OF TRANSPORTATION. stating that my Driver 's License Number has two photo images of two different individuals on that record.I wish your office could find out when the fraud was formed!

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 2020-06-24 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: DC

Complaint narrative:
The bank refused to connect to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: UT

Complaint narrative:
I lived in the a XXXX XXXX XXXX  with some room mates from end of XX/XX/XXXX- XX/XX/XXXX. I was signed off of the lease on XX/XX/XXXX. A few months after I moved out the remaining people living there were evicted and even though I was not living there or legally responsible for the apartment There is an open collections account from IQ international for {$4600.00}. I have already filed a dispute with XXXX  and XXXX. XXXX  has removed the account from their report however, XXXX  is saying the information is correct even though I have the document showing I was signed off of the lease on XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC
State: CO

Complaint narrative:
XXXX XXXX Why Not Lease It, based in XXXX OH, has called me several times for several the last several days prior to XXXX am local time ( Mountain Time Zone ). In total, I have received 17 calls before XXXX am local time ( Mountain Time Zone ) over the last 6 business days. I have called them back and am told it is an attempt to collect a debt. While, I full acknowledge having an open lease agreement with the organization that has been and is current, never once late or delinquent, I have no past due amount. Further, when I spoke with a gentlemen today, and asked why they were calling me at this hour, I was told " pay your bills and we won't call you. '' At that moment he went into his this is an attempt to collect a debt and all information gathered will be used to collect the debt referenced. I demanded to speak with a manager. I was turned over to XXXX at that time and made mention that I knew that they were violating the law. He said yes your right. The purpose of the call was a " WELCOME CALL '' not to collect a debt as I was informed. Sadly the same welcome call was completed on XX/XX/2020. I have asked several times to stop these calls and am told they can and will not. At this time, I ask that they been investigated and punished accordingly. I plan to speak with legal counsel today on this matter and will seek further personal legal remedies on this matter including damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a paid membership with the most expensive plan with Experian, and I am supposed to receive my report updates daily. For some reasons, the report does not update and I called Experian at least 5 times, but they have not done anything to get the issues fixed.

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 2020-06-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have for over 4 months since the month of XX/XX/2020 tried to get my stimulas bank card from chase sent to me at both my po box and personal address as well. And someone has illegally seized my stimulas benefit bank card without telling me and taking advantage during covid-19 delays. I would like to know why my bank card was illegally seized. I read that it is against debt collection practices to seize a bank card during covid pandemic. I also have gone to the bank chase at multiple locations and turned in my old bank card as well in person to the bank teller thinking it was that. It was not that. Can you please get back to me at phone number XXXX

Company response to consumer: Closed with explanation