vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-21 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: NC

Complaint narrative:
Equifax and XXXX are reporting me 120 days late on the XXXX/XXXX   partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 days late on an account that has a {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to fix this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
In XXXX/XX/XX/2016 I had XXXX XXXX XXXX XXXX repair my roof they were to replace 3 rafters, 200Sf of decking and the roof Plus NO MAINTENCNCE gutters! 
They did not replace any of the rafters or roofing deck! But they did fall through my ceiling and damage my electrical wires in the attic! This project was financed through XXXX a who is serviced by Synchrony Bank For over a year I paid XXXX and kept calling XXXXs To get them to finish the project and to repair the damaged they did to my home! 
Just got the run around from XXXX SO I notify XXXX of the problem and was told they could not do any thing about their home improvement Group! 

I stop paying with in 3 month Workers from XXXX start coming around and calling me 3 to 4 times a day. They did quite me a price of {$14000.00} to fix the damaged that they did to my home! I told them to go to H! 

Synchrony Bank also services XXXX gas and XXXX XXXX XXXX which I HAD credit Cards for. 
I paid line my XXXX card after I get my XXXX check as I have for OVER 5 year. But this time Synchrony Bank posted my XXXX payment to my all ready-paid XXXX Bill! Charged me {$27.00} late fee canceled my Credit card and reported me to the credit company for being late all the time! 
They all so canceled my XXXX XXXX XXXX and credit card! Also reporting me to the credit reporting companies! 

It did cost me {$7000.00} to repair the damaged wires, {$250.00} to fix the gutter that was spelling rainwater onto my DET meter box. 

Synchrony Bank has stop calling BUT Workers for XXXX XXXX XXXX XXXX and XXXX are still calling me some times 5 times a day and after 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 2019-03-21 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: NC

Complaint narrative:
XXXX and Transunion are reporting me 120 days late on the XXXX/XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 days late on an account that has a {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to fix this issue.

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 2019-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: PNC Bank N.A.
State: PA

Complaint narrative:
i sent a letter to PNC dated XX/XX/2018 they never responded so i done more and more research how to go about information being reported incorrectly. They are saying {$400.00} was written off. This is false ive sent them multiple letters no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm ask the credit bureau to remove fraud inquiry from my report they told me they don't dispute inquirys i need to contact the company and i did the company said dispute it with the bureau so i don't known what to do please help. XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX I did not open or authorize this account, and I therefore request that it be closed immediately. I am a victim of identity theft, and did not make the charge [ s ].

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 2019-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
PayPal keeps allowing people to scam me using their service and when you report it they take the side of the seller no matter what so they keep fees. 

A seller named XXXX XXXX sold a diamond ring through XXXX then changed the details on the cad after payment. When I canceled ordered and filed dispute for refund thru PayPal he claimed he closed his PayPal account and was not refunding me. At which point the seller ships a blank envelope to my address and PayPal considers my purchase of {$1200.00} on a diamond ring their decision to refund even though the seller has scammed me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I paid off my credit card with Bank of America in full. I received the letter from them two months later saying I have a balance and interest that was late. I called bank of America and explained the situation to them they told me they will adjust my credit back to its normal, they gave me ref # XXXX, a week later I received a later from Bank of America stating that they are unable to approve my request regarding my credit report and removing the 60 day late in XX/XX/2018.

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 2019-03-21 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: NY

Complaint narrative:
I have contacted Equifax repeatedly in writing and using the online dispute feature with regard to inaccurate information and negative remarks on XXXX XXXX XXXX accounts due to fraud. I placed a complaint with the Federal Trade Commission reporting the inaccurate account information and provided the info to all Bureaus. The Bureau added new remarks after removing the fraudulent accounts. I also have a police report regarding this matter. Therefore, all remarks on closed/removed accounts should remain off the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
IQ Data International XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/19. This company called me trying to collect a debt for XXXX XXXX. After putting me on a 4 min hold, this woman comes on the line and starts talking really aggressive towards me. Im okay because I can deal with a rude person. But after that, she starts insulting me, verbally attacking me, and then she mentions my wife by name in a way that implied were going to ruin her too. She then says by this conversation we got all we need out of you. I asked what does that mean and she dodged the question and then said youre waisting my time and h/u. I never in 100 years would talk like that in my personal life, let alone a place of business. I now dont know what they are going to do with my personal information.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valley Collection Service, LLC
State: AZ

Complaint narrative:
The Debt from that shows up in collections on XXXX  for VALLEY COLLECTION SERV XXXX Original Creditor XXXX XXXX XXXX Balance for {$430.00}. 

XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Is not mine. I do not know what this debt is and does not belong to me. I appreciate if you would help remove this off my collections please, Thank you.

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 2019-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had paid my account in full because one of the representatives told me that it would be deleted off my credit after I paid it off. The money I paid got taken out of my bank account on XX/XX/2019 of {$660.00} I contacted Capital One asking them to resend the deletion letter because I never received it. But now the lady I spoke to is saying they won't delete it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
On XX/XX/2019, I made a payment via Western Union to a person in the XXXX. Less than some 14 hours after the transaction, XXXX XXXX called me that my credit Card information was stolen and an attempt to charge about {$2000.00} was made, and asked if I am the one wanted to do such a charge, I told them no, so they say they will not allow to make that charge, and that part was a good thing. 
What my complaint is against Western Union who's system apparently can easily be breached and this is where they stolen my credit card information from, I believe via on Internal Western Union worker very possibly. I ask to investigate. 
The Tracking Number of my Transaction with Western Union was : XXXX Please force Western Union to investigate, to find out exactly how can someone else break into their financial system? 
I thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I have been banking with M & T bank, and have been using the same account, for almost 25 years. On Tuesday XX/XX/2019, I received a letter stating that M & T bank will no longer be able to conduct business with me and they would be closing my debit card on XX/XX/XXXX, and my account on XX/XX/XXXX without any explaination.I have another joint account with my wife, and that account has been already closed. Ive been to my current branch as well as another branch, been given 4 different numbers to call, and spoke with at least 10 different people, and no one knows a XXXX XXXX thing. No one can even answer a simple question : " WHY ''. Its incompetance at its best. NOBODY from M & T cares and after 25 years, now i have to close my accounts and bank with one of their competitors. I have requested total activity paperwork on my account from many years back so i can at least start my own investigation on why this happened and i will do it with out no help from M & T bank. Fine, They just kick loyal customers to the curb because some XXXX that sits and watches a monitor all day suppossedly saw something that " didnt look right ''. Okay, so instead of working with bank manager to figure out, M & T would rather say see you later and dont come back! UNBELIEVABLE!!! Can not believe this is happening. So UNPROFESSIONAL!!!

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 2019-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Claims to be XXXX XXXX cant even get my name right calls all day and everyday

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21 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: NY

Complaint narrative:
I have contacted XXXX repeatedly in writing and using the online dispute feature with regard to inaccurate information and negative remarks on XXXX XXXX XXXX accounts due to fraud. I placed a complaint with the Federal Trade Commission reporting the inaccurate account information and provided the info to all Bureaus. The Bureau added new remarks after removing the fraudulent accounts. I also have a police report regarding this matter. Therefore, all remarks on closed/removed accounts should remain off the credit report.

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 2019-03-21 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: NY

Complaint narrative:
I have contacted XXXX repeatedly in writing and using the online dispute feature with regard to inaccurate information and negative remarks on XXXX XXXX XXXX accounts due to fraud. I placed a complaint with the Federal Trade Commission reporting the inaccurate account information and provided the info to all Bureaus. The Bureau added new remarks after removing the fraudulent accounts. I also have a police report regarding this matter. Therefore, all remarks on closed/removed accounts should remain off the credit report.

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 2019-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
i sent a letter to XXXX dated XX/XX/2018 they never responded so i done more and more research how to go about information being reported incorrectly. They are saying {$400.00} was written off. This is false ive sent them multiple letters no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Hello, On XXXX XXXX, I applied for membership with Navy federal. I also was encouraged by the customer service representatives to take advantage of of their products and services.

With the same representative I applied for the Navy Federal Platinum Credit Card.

After the rep asked the pertinent questions I was told, I was denied.

I will admit I was a little discouraged to say the least.

Navy Federal is know for being lenient with credit scores. I also realized I was in the low XXXX. 
However, I wasnt discouraged because I know people who were approved with less that XXXX credit score. 
I only wanted the credit card to boost my credit score, so that eventually my credit score would be increased in the future. 
I'm hoping you can help me with this dilemma.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
i sent a letter to XXXX dated XX/XX/ 2018 they never responded so i done more and more research how to go about information being reported incorrectly. They are saying {$400.00} was written off. This is false ive sent them multiple letters no 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 2019-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
We are in the XXXX of Florida that was recently hit by Hurricane Michael. After the storm hit we received insurance checks to begin repairs on our home only to find out that XXXX XXXX XXXX had sold our Mortgage to a place called Flagstar. We had it set up to defer payments for 3 months and it would go toward the end of the principal of our mortgage. XXXX XXXX XXXX did not transfer this information over to Flagstar who is stating they will not honor the 3 month deferment and are trying to make us pay double house payments for the next 3 months. We finally were able to have them send us loss mitigation paperwork and have had to send it multiple times as they have lost it, added things that they needed etc. Here we are over 5 months later and we still have yet to begin work on our home all the while Flagstar holds our insurance money. We have submitted a request for the only work done which was a fence to be put up and we had to send that 5 times to them. I finally found out today they have just cut a check when the fence work has been completed. We have also sent over to release fund to begin putting on a roof and this has been the second time in which we have had to do this and they say now they have added things they need and I let them know it is not on their checklist and they acknowledged that I was correct. As we sit in a mess of debris and what is left of our home we have worked so hard to obtain with our son our frustrations are growing. Flagstar is collecting interest on the money that is for our repairs and we can't hardly even get the money. I can only imagine what it is going to be like when they begin tearing out ceilings, flooring and walls. This has been the most upsetting thing I have ever had to face and this company is truly a joke.

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 2019-03-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
My son needed a co-signer to sign to help him get loans to go to school. That was in XXXX. I have been making payments on this loan since XXXX.. It started out with one co. and now it has changed hands three more times and Navient has it now and they just seem to be the biggest thieves I have ever seen. The original loan amount was XXXX.. and now it is down to {$11000.00}. ( this co. got my account in XXXX ) all except a few months, I have made more than the minimum payment.. I know it was down to {$8000.00} with one of the other loan. co. 
This company is charging it on the whole amount.. They said my pay off should be in XXXX. and charging me 10.5 % interest.. When I try to talk to them, they won't give me the answers because the loan is in my son 's name, but they want me to pay because I am the co- signer. ( his other loans are being garnished from my paycheck at 15 % per check ) .. 
It doesn't seem fair that when a parent tries to help their kids go to college with a parent- plus loan, then when the bills come due it is the parents problem and the kid isn't responsible or their credit ruined like the parents are. Navient is the worse company, I have ever dealt with. I am hoping you can help.

Company response to consumer: Closed with explanation