vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Get robo called from the debt collector every week.

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 2019-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I purchased a vehicle in 2012. The vehicle was almost paid off, due to an injury I fell behind however I did begin to resume making the payments. I made an agreement with the debt collector for the amount of {$4500.00} of which {$2000.00} was paid. The creditor sold the loan without my knowledge and I sent payments to the original company. I was then sent a law suit letter stating I now owe {$10000.00}. I was not given any written notice that this loan/debt was sold and that payments should be sent to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Summit Financial Corp.
State: FL

Complaint narrative:
I disputed a debt that was not mine. The company agreed and it was suppose to be removed from my credit report per the response from XXXX  however it is still reporting negatively.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
This company has been calling my family members, work cell phone, leaving messages and telling family members they are trying to contact me. When i ask for a certified copy of any paperwork they say tthey will only email me they will not provide me a copy via certified mail. I have provided an updated phone number and they continue to contact family members even after speaking to me and will not stop. They claim it is for a credit card debt with capital one that was supposedly charged off in XX/XX/XXXX. I filed bankruptcy in XX/XX/XXXX and had no record of this debt on credit report. Additionally i have contacted capital one many times and they claim to have no record of the debt. I have asked numerous times for a mailing adress so i can send a cease and desist letter and they wont provide address. Lastly i have been hung up on and had them be extremely rude to me raising voice shouting telling me they arent there to remind me of debt and i need to pay my bills. The ammount they claim owed has changed 4 times since talking to them. I have multiple people who can verify this as they have been in the room with the collector on speaker phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On my credit report there states I have a hard inquiry from Syncb which appears to be some kind of airline?? Its from XXXX XXXX. I did not authorize this inquiry and have no idea where it came from. This will stay on my credit report until XXXX of XXXX so Id like to resolve it soon as possible. There doesnt seem to be any record of a company called syncb and there isnt a phone number I can contact them at.. found on XXXX XXXX that this has been issue with other people as well.. and some have gotten results from submitting a compliant through the Consumer Financial Protection Bureau XXXX Many thanks for any help you can provide

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 2019-09-25 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: IL

Complaint narrative:
Equifax is BREAKING the FCRA RULES Refusing to remove items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On my credit report under a hard inquiry is a word ... its XXXX and nothing else. When instructed to contact the creditor, underneath says Capital one auto finance, says the inquiry was made XX/XX/XXXX and THATS absolutely false. I was also notified that XXXX had a massive leak of information and that my password was involved.. theres been two data breaches where my information has been involved. I dont know how this inquiry happened but I didnt make it and its gon na stay on my credit report until XXXX of XXXX so Id really like it taken off..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Today on XX/XX/XXXX, I received a phone call from IC System stating I owed {$290.00} to XXXX. I told them I had already paid this with another company and asked how long they had the account ; the lady stated 57 days and it would be reported to the credit bureaus on XXXX XXXX. I kept telling her I already paid and I owe nothing. Additionally, I checked my bank statements and it was indeed paid on XX/XX/XXXX to XXXX XXXX and I called to verify with them and it was indeed paid. I feel like this may be a scam.

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 2019-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
I have roughly {$1700.00} in my PayPal account balance. Since XX/XX/XXXX, I have been unable to withdraw money to my bank account, send the money to friends or family, or purchase any goods or services with the money. 

I have spoken with 4 different PayPal representatives on the phone on XX/XX/XXXX for 2 hours. Some restrictions have been lifted on my account. However, I am still unable to send my money to my bank account, send it to friends or family, or to purchase any goods or services with the money. 

I was repeatedly told that the system identified my account as " suspicious '' even though I have used that PayPal account for years and had fully verified my phone number, my SSN, my passport and my driver 's license, all of which extensively proved my identity. PayPal support refused to provide any answer on if or when I will be able to access my funds again. 

I am completely unable to use my PayPal balance in any capacity and PayPal support refuses to assist me in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 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: TX

Complaint narrative:
XXXX XXXX data breach caused my ftc violation XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
Today on XX/XX/XXXX, I received a phone call from XXXX XXXX stating I owed {$290.00} to XXXX. I told them I had already paid this with another company and asked how long they had the account ; the lady stated 57 days and it would be reported to the credit bureaus on XX/XX/XXXX. I kept telling her I already paid and I owe nothing. Additionally, I checked my bank statements and it was indeed paid on XX/XX/XXXX to Credit Management and I called to verify with them and it was indeed paid. I feel like this may be a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There's addresses and a Bankruptcy that needs to be removed from my credit file.

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 2019-09-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I originally secured a line of credit via Synchrony Financial for XXXX XXXX XXXX. I paid the original purchase in full, on time, and early ( prior to the 12 months interest free period ). I made a second purchase on the same credit card, again paying it on time and in full. I maintained a XXXX balance and they even increased my credit limit from XXXX to XXXX. 
I was sent a letter on XX/XX/2019 stating that Synchrony had decided to close my account. They listed reasons for closing the account that were unrelated to my history with their company. Additionally, my credit score was higher at the time they closed my credit line than it was when they originally offered me credit. 
Not only do I fail to find justification in their decision, but their closing my credit line actually hurt my credit score by lowering it by several points. This causes me financial harm and impedes my ability to obtain other credit. 
I wanted to make a formal complaint because I feel that the decision was made in error and causes me undue prejudice and harm.

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 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
There's addresses and a Bankruptcy that needs to be removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There's addresses and a Bankruptcy that needs to be removed from my credit file.

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 2019-09-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My Complaint is against XXXX XXXX XXXX XXXX and Loancare , LLC. Our VA Loan was sold and transferred to Loancare on XX/XX/2019 along with the total payoff loan amount. As of today XX/XX/2019 Loancare insists they do not have the payoff funds. 
I am getting phone calls from Loancare informing me of missing payments on a loan that has been paid off in full. I phoned to inform them the loan was paid in full and their response was ''prove it ''. I have not recieved our impound balance that was also transferred to them. It appears to me they are violating the 60 day transfer rule and about to violate the 30 day rule to return the impound money to the borrower. 
Someone should conduct an investigation of this agency. 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 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I have tried multiple times to have my correct address placed on my credit report and never get anywhere I have lived here in New Mexico for over a year and my old address in Texas which was my parents at the time continues to show and is stopping me from be able to get credit also I have a item of which I was charged a emergency visit showing over eight hundred dollars that's not mine in a state I never been to that they won't remove

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 2019-09-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Delta Management Associates, Inc.
State: HI

Complaint narrative:
In XX/XX/XXXX I received a letter from Delta Management threatening to proceed with wage garnishment. I was asked to submit documents regarding my dispute. I sent this document immediately back to them, although they purposely sent it to me days before the deadline. I never received anything in writing regarding the outcome of my dispute.

In XX/XX/XXXX I received another let from Delta Management regarding the debt. The information that they sent to me by them regarding this debt is dated in the years XXXX, XXXX, XXXX, and XXXX. I believe that this loan was brought several times by different debt collection agencies over the years and after reviewing these documents, I know they are fraudulent. There is no school signature on the documents. They also claimed I made a payment on the debt in XXXX  ; I lived out of the country and never paid anything towards the debt. My income tax return has been taken from me year after year and I have not been able to get this off of my credit. 

I have tried several times over the years to have this removed with no luck. I will be seeking an attorney if this is not resolved after this attempt.

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 2019-09-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: American Credit Acceptance, LLC
State: PA

Complaint narrative:
Hi, Credit Acceptance in In XX/XX/2019 The company a Reprocessmy car and I Paid the company online 2 weeks before I did not call them back because they harassed me and went therefore say you have to pay and I was explaining my situation When I didn't call them to make more payment arrangements so did decided to take the

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Since XX/XX/XXXX, I have been disputing a Care Credit account that has been reported to the credit bureaus as charged off and purchased by another lender. The lender who purchased the account is appearing on my credit report as well.I never communicated with the lender regarding the account. However, I was contacted by a different agency which I resolved the account for {$XXXX} on XXXX XXXX. The credit limit or original amount being reported is {$XXXX}. The credit report still shows the account as charge off. The lender who purchased the account has not reported an update to the account either. So. the account still appears as a outstanding debt. I have been consistently disputing the account by providing the paid letter from the different agency to confirm I have resolved the account. The investigation results always states the information is being reported accurately however it is not. I have contacted the lender who is listed as the purchaser regarding the account being resolved with a different agency and they did not update the account either. When I spoke with the reporting lender they could not provide any information regarding the care credit account. I don ; t understand why they are reporting the account on my credit report but could not provide me with the updated account information. I would like to rectify this issue so my credit report would have accurate information listed.

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 2019-09-25 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: DC

Complaint narrative:
OneMain is a cut throat loan service provider. I would not recommend them to anyone. They dont offer a grace period and instantly report to your credit score. In XXXX of 2019, i informed the branch that I would be paying the balance off in full because of their predator interest rates. I sent payment for installment loan to be paid off in full by XXXX XXXX XXXX XXXX. However, one main still reported a missed payment on my account for the month of XXXX. When I call the number listed on my credit report, they say they have no records of the account and the accuracy of the credit report. I have no been able to get a solid answer or verification from the company. This runaround has been a complete inconvenience to my life

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I had my credit reports pulled by my realtor and was told I had some medical debts that needed to be taken care of. My family and I have lots of great medical coverage and have never received any bills. I began to dig into the accounts and the company CMRE has never been able to link the debt to either me or my husband. Please help me get this resolved so we can purchase a home for our family. This mishap has caused lots of undue stress and discomfort for my entire family. Where we live is no longer safe and we must get out daughters  into a safer neighborhood. This has been more stressful than necessary as we have no outstanding medical bills at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: DC

Complaint narrative:
XXXX is a cut throat loan service provider. I would not recommend them to anyone. They dont offer a grace period and instantly report to your credit score. In XXXX of 2019, i informed the branch that I would be paying the balance off in full because of their predator interest rates. I sent payment for installment loan to be paid off in full by XXXX XXXX XXXX XXXX. However, XXXX XXXX still reported a missed payment on my account for the month of XXXX. When I call the number listed on my credit report, they say they have no records of the account and the accuracy of the credit report. I have no been able to get a solid answer or verification from the company. This runaround has been a complete inconvenience to my life

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: DC

Complaint narrative:
XXXX is a cut throat loan service provider. I would not recommend them to anyone. They dont offer a grace period and instantly report to your credit score. In XXXX of 2019, i informed the branch that I would be paying the balance off in full because of their predator interest rates. I sent payment for installment loan to be paid off in full by XXXX XXXX XXXX XXXX. However, XXXX XXXX still reported a missed payment on my account for the month of XXXX. When I call the number listed on my credit report, they say they have no records of the account and the accuracy of the credit report. I have no been able to get a solid answer or verification from the company. This runaround has been a complete inconvenience to my life

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