vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-19 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: MA

Complaint narrative:
Hello ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it is accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumer to dispute information directly with the furnisher. 

Also, the creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance on the account. I didnt receive this paperwork and you need to remove this account immediately. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-09-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I applied for a XXXX XXXX purchase loan. After I applied online, I was immediately told I was denied without any explanation. I have called, and sent dozens of emails with no response whatsoever. After reading the guidelines on the Credit Union website I am aware I am qualified for this purchase. So I believe it is the banks responsibility to contact me and discuss why I would be denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
In XX/XX/2020 XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX called ( targeted ) my XXXX  XXXX wife stating he could sell our unused timeshare weeks. She discussed the process with him at length and was told by XXXX that it would not take long to sell these weeks. After more than 2 hours of discussion and promises made by XXXX he pressured my wife to purchase their service right away. They made her sign a contract with both of our names on it, but never received both signatures of the owners. I was not involved because my wife thought the issue was resolved since we had not been provided any proof of services that they allege were provided. 
Going back to a week after the transaction my wife began to feel uncomfortable with the perceived deception she contacted XXXXXXXX XXXX XXXXXXXX and XXXX assured her that they would sell the weeks and to be patient. Still concerned that she was deceived she contacted Chase dispute office and opened a claim. After indicating to XXXX that she thought he was deceiving her, XXXX told her that the weeks would be sold within 90 days. Chase validated our home address every time she called and she waited for the correspondence, never to arrive. The Chase Executive representative stated it was not a Chase problem after leading us to believe they were working on it for 7 months. 

After 30 years as a customer I will be changing banks due to Chase allowing a company to deceive customers and Chase unwilling to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: Total Card, Inc.
State: MA

Complaint narrative:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I requested SLS to update my account status in XX/XX/2020 with all three credit bureaus, And as of XX/XX/2020 they have updated and removed the account in forbearance comment, however SLS reported the incorrect outstanding balance, actually reversing it from $ XXXX Balance to now showing $ XXXX Balance, a negative {$9000.00} difference and because of this my scores dropped 30 points with XXXX, 15 points with XXXX  and 20 with XXXX. 

I have confirmed with the bureaus the drop in score is due to the reverse of reporting a balance of {$370000.00} As of XX/XX/2020, to now reporting an outstanding balance of {$380000.00} on XX/XX/2020. When I actually have made payments of {$2900.00}, {$11000.00}, {$2900.00} and {$1500.00} Since XX/XX/2020 through todays date.

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 2020-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-09-19 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: MA

Complaint narrative:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
It looks like I have more late payments that they are supposed to be. Since getting a new job on XX/XX/2020 I have been able to pay on time every single payment. Right now I have automatic payments so I dont missed a payment ever again. I am trying to buy a house and those late paymetns are not letting me get approved. I had some financial problems that caused me been late on some payments. If you guys can erase those it will help my credit go up and allow me to buy my first house. I promise I will never be late again. With my new job and now me been more responsible I will guarantee you I will make every payment on time. Please consider this. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
I have a Home Depot Fortiva credit card. I prefer paying my bills with my bank " XXXX XXXX '', it is safe to use. I made a payment on XX/XX/2020. The bank put it through, and it is marked as processed. They are sending me non payment notices. I called and they said they don't have it. I faxed them a copy of the payment, I mailed them a copy of the payment. Now they are reporting it as a missed payment. I also automaticly made another payment on them XXXX of XXXX. I am getting calls, text messages, emails of non payment. They do not speak english well which makes it hard to talk to them. They actually told me, You should only pay on our website. I do not trust payments on websites that is why I use my bank or XXXX. Please help me they are ruining my 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 2020-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Refer to Complaint Report # XXXX Convergent Outsourcing informed me in their response that they had closed the account on their end, sent it back to the original creditor ( XXXX XXXX and would not be taking further action due to this being a fraudulent account opened in my name/identity theft. This account had already been resolved with XXXX  & XXXX XXXX XXXX which is who XXXX XXXX the original creditor ) gave the account over to try to collect on. It was off of my credit report, and settled. I believe Convergent tried to collect a fraudulent debt they werent given since XXXX told me they never gave it over to that agency. I believe they are still trying to collect a fraudulent debt from me after this statement. Yesterday, they marked the fraudulent account on my report as late and negative which dinged my credit score further. They now know this debt is fraudulent & due to identity theft, and the agency is still trying to collect it. I would like to see the agency close the account as they informed me in the response to this complaint, and halt communication with me. I would also like to see this company audited. They are participating in fraudulent collection activities.

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 2020-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: MD

Complaint narrative:
On XX/XX/2020 I received an e-mail that informed me that I needed two forms of ID after I attempted to close my credit builder account with Self Financial. The e-mail stated that Self Lender 's banking partner requires two forms of ID to close the Credit Builder Account and to close the Secured Credit Card. I submitted a copy of my driver 's license and informed them that I could not send a copy of the debit card they were requesting. As of today I have not received the funds that are in the account and I am not able to " close '' this account due to the fact that this bank is asking for a photo of a debit card that I no longer have. I recently submitted two forms of ID, My driver 's license and a photo of a debit card that is linked to a current checking account. I received an e-mail today stating that the compliance department still needs a copy of the exact debit card that was previously requested, which I do not have. I have already submitted those two forms of ID and I am still not able to get this account closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
in XXXX of XXXX, we applied for and received special 0 % financing on a brand new XXXX XXXX of exactly {$2800.00} that was purchased thru the online XXXX XXXX. 

the special promotional financing was for 18 months on a Barclays XXXX credit card. 

between XX/XX/XXXX and XX/XX/XXXX ( the 18month term ) i made {$6300.00} total of payments, which i assumed that they would apply my payments to the promotional financing but on XX/XX/XXXX Barclays charged me {$600.00} of interest. 
this is the full interest charge of 13.99 % because they said i did not pay of my special financing, i have made {$6300.00} worth of payments and they claim that i did not pay my special financing i have been going back and forth with the company and am highly upset. i lost my income due to the pandemic, and to have this fraudulent interest charge to me is a slap in the face i have 18 pdf statements as proof, and have a pdf of all my payments. i am hoping to receive some assistance on this matter before this unscrupulous company destroys my credit

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 monetary relief
Consumer complaint received 2020-09-19 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
A fraudulent Amazon credit account was opened with Synchrony Bank in XXXX. Synchrony quickly fixed the problem on my credit reports with all three bureaus. I have attached the documentation provided to me by Synchrony Bank. However, I applied for credit with Synchrony bank in XXXX and just recently Amazon for Business and was denied on both occasions because of an existing delinquent account with Synchrony Bank. I called Synchrony on XX/XX/XXXX and spoke with several different departments. All of them confirmed the account had been cleared in XXXX and confirmed I have no other delinquent or open accounts with them and I should have no trouble with applying. So my problem is this. Twice now I have applied for credit and have been denied specifically because of a previous delinquent account with their company. How can this error be corrected? There are no other factors listed for denial of credit listed. Calling Synchrony bank does nothing because all they can tell me is this should not be happening and I should not get a denial for that reason. So what am I to do? I am trying to establish a line of business credit with Amazon. Synchrony is the main option. Somehow my social is still connected or flagged in their system indicating I am ineligible form ever opening an account. I can only assume because of the fraudulent account that was opened with my information. I have no other accounts with them.

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 2020-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2020 I was scammed. I immediately contacted the company and asked them to cancel. They told me in order to cancel I would have to activate the certificate and send them a copy of my ID along with pictures of my debit card. I immediately called my bank and an agent canceled my card and started the dispute process. I responded to the initial request from my bank via fax with all the stuff the company had sent me. Then recently I received a packet from my bank with the merchant information provided to them. The documents contained forged signatures with my name that I never sent to that company. Initially my bank Citi bank had credited me and then onXX/XX/XXXXthey took the money back saying I never responded to their request for additional information. When I called my bank and asked if they had received my email since the I was provided with an email address I could respond to they said oh we dont have an email address I said why would they provide that to me and the agent stated well its an internal email. The call was escalated because I wanted them to pull the information to continue disputing the charge he said they could not! I have been a customer with Citi bank for 14 yrs and have never experienced such poor customer service. I am beyond disappointed and upset at how many times Ive called them and how much time I have wasted. Also the supervisors are not at all sympathetic and have no service recovery experience. It also seems that Citibank has moved their call centers to other countries for cheap labor not caring about their members!

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 2020-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
OnXX/XX/XXXX there were unauthorized transactions with my Coinbase and Coinbase pro accounts. I immediately reached out to Coinbase to have my accounts locked. Ive since contacted them following all procedures to regain access to my account showing Ive taken all security measures but theres no luck. Theres no customer support and theres no live agent whatsoever. I really need to gain access to my accounts I still have funds remaining. Case # XXXX Any transactions made on XX/XX/XXXX or after is fraudulent. My last transaction was a deposit to my Coinbase pro account prior toXX/XX/XXXX for {$500.00}. When I logged into my Coinbase accounts before disabling because of the unauthorized transactions I still had some remaining digital currencies that Ill like to access. Please allow me to access my accounts and have someone reach out to me to get this resolved. Thanks

Company response to consumer: Closed with monetary relief