vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-17 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: Southern Credit Recovery, Inc.
State: LA

Complaint narrative:
Southern Credit Recovery , INC reported a collection account on my credit report on XX/XX/2020, had no knowledge of the debt that was reported. Received a letter in the mail from Southern Credit Recovery dated XX/XX/2020. The collection was improperly and prematurely reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
I have no knowledge of these accounts nor have I ever entered into any agreement with PRA ( Portfolio Recovery Associates ). Amounts of {$1300.00} & {$780.00}. I have lived at current address 5+ years and didnt not receive any paperwork. Accounts have a delinquency start date verified through third party XXXX of over 5+ years and have expired Iowa statue of limitations on legal collections. Making debt legally uncollectible. I am asking PRA to remove these alleged accounts from all credit reporting agencies and credit bureaus based on the above stated facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: NJ

Complaint narrative:
I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-12-17 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: NJ

Complaint narrative:
I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I purchased items from Lowe 's under a deferred interest promotion. These items were to upgrade my home. I had a balance of XXXX in XXXX. Apparently, I missed the window to pay off the promotion balance and in XXXX interest of {$1400.00} was added to the account bringing the balance owed of {$3100.00} which I have had difficulty paying as I am a retired XXXX year old woman. While this practice has been in question and investigated periodically, I now that it is still deemed to be " legal '' ; however, I feel that I was taken advantage of during a time when everyone was distracted by the pandemic. I have been a long time customer of Lowe 's and have a great history of paying on time. Even though nothing my come of this investigation, I still want to go on record as complaining about this tactic that was used to advance someone's pocket by taking advantage of me during a time of upheaval.

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 2020-12-17 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: Yamaha Motor Finance Corporation USA
State: MD

Complaint narrative:
Back in XXXX of 2020 I contacted Yamaha Motor Finance Corp USA to inquire if they could extend me any payment deferrals on my account due to the COVID-19 impact on my employment. The customer Service Rep. verbally granted me a XXXX day extension. 
A few months later I discovered that Yamaha had been reporting me late to all 3 credit Bureaus. At that point I contacted Yamaha again asking what was going on. They replied that the customer service rep failed to inform me that I needed to sign and submit a XXXX XXXX XXXX XXXX, which by the way I never received in the mail, for the XXXX day extension to be valid. They said if I signed one at that time they would be able to apply it towards the missed payments and remove the late status from the credit Bureaus. I signed and forwarded the form to them and after that I have spoken to several Yamaha Customer Service Managers which are extremely difficult to get in touch with as they refuse to provide a direct phone Line, email address or direct contact to the credit department. Bottom line I have exhausted all efforts to get them to correct their mistake that impacts my credit score and even though I continue to pay my Bill every month they keep moving that modification forward instead of applying it back to XX/XX/. Beware of that company. It is also interesting that they have a Loan Servicing company that apparently are the only people the consumer can talk too and when it comes to the Credit Bureaus all three of them have a completely different address for Yamaha Motor Finance for contact and when you try them they send you back to the Servicer company so the run around never ends.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had an account with Synchrony bank, i paid for their debt protection plan on the account. I lost my job in early 2019, used the debt protection and the account was paid in full and closed. I recently got a summons that Synchrony bank is now attempting to sue me for the same debt that has already been paid off! None of my other synchrony accounts have ever been late/in collections.

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 2020-12-17 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: NJ

Complaint narrative:
Im not sure why they will not take this off my report after i have sent in my proof this is not mine .... 


I have sent in many police reports and disputes with no real acknowledgement of how these things got on my report and they refuse to tell me how this happened this is my last resort before legal action against all parties involved. identity theft victims should not be subjected to this kind of treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: GA

Complaint narrative:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: FL

Complaint narrative:
Amerifinancial Solutions is reporting multiple medical accounts on my credit reports. I have tried disputing and getting this company to validate these accounts that I have no knowledge of. They sent me someones bill but did not show proof that this debt is mine. There were no copies of identification ( ie drivers license or social security card ) no medical record showing what services were performed or the name of the provider. As Ive stated before these debts are not mine and need to be removed from all 3 of my credit reports.

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 2020-12-17 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: GA

Complaint narrative:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I was charged an overdraft fee. Apparently, my purchase of a XXXX present for my little nephew overdrew my account. I have been unemployed since XXXX and depleted my savings since the enhanced XXXX ended at the end of XXXX. But I still kept my account current by moving money from my savings into my checking account. I had an emergency vet bill and hit an issue paying for groceries so I asked my parents to send me my XXXX money early so I wouldn't have to keep going into my savings. Apparently, the purchase and the XXXX transactions didn't line up in your system and you charged me {$35.00}! I asked the customer service rep and a supervisor to reverse the charge and they refused. There was virtually no time between when money went out of my account and when money was deposited into my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
Was injured at work and not able to work

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 2020-12-17 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: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
Im not sure why they will not take this off my report after i have sent in my proof this is not mine .... 


I have sent in many police reports and disputes with no real acknowledgement of how these things got on my report and they refuse to tell me how this happened this is my last resort before legal action against all parties involved. identity theft victims should not be subjected to this kind of treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Monarch Recovery Holdings, Inc.
State: CA

Complaint narrative:
they called back to back at XXXX stating that they are going to serve me at my house with a document I dont owe their client nothing i dont even know who their client is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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:
I've been a product of identity theft since XXXX and XXXX. I did not open an account with XXXX Acct # XXXX, I've been trying to get this resolved since XXXX of XXXX. As a result, I've filled an identity theft report, Affidavit of Truth, and a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Reliable Credit Association, Inc.
State: WA

Complaint narrative:
My bank account was compromised in XXXX and all my money was stolen. Because opted not to prosecute the bank did not give my money back, which caused all my bill to be late and a financial hardship. I have two accounts with Reliable Credit and I tried to combine them so I could make one payment instead of two. I was told by the XXXX XXXX office where I have one account I could, but the XXXX office where I have my second account said I could not. While I waited for a response my account when further past due. By XXXX I was told to pay the full balance or go into collection for loan number 1 at the XXXX XXXX branch. I said I did not have the over XXXX amount and she immediately wrote off my account in XXXX during a pandemic. I was told today by XXXX the Vice President of Reliable that they ask for the past due and not the full balance. I informed him that the manger at the XXXX XXXX store demanded the full balance or I would have tried to work something out. I tried to fix this back in XXXX, XXXX and now again in XXXX. I just want them to do the right thing. I have had a past loans with them and always paid on time. I also have an existing loan with them and pay it on time too. I feel I should not have had this done to me during a Pandemic.

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 2020-12-17 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: CT

Complaint narrative:
transunion,, XXXX. 
XXXX.. 
All are reporting different things on my credit reports I tried to dispute but they won't dispute these things on my credit reports, I informed them that I am not aware of these accounts and have no knowledge And they still are showing on my reports.

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 2020-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Selene Holdings LLC
State: OR

Complaint narrative:
On XX/XX/2020 I received a statement from Selene Finance for a property inspection for {$13.00}. I don't know why they inspected, what they inspected, who inspected and for what reason. I wrote them aletter on XX/XX/2020 requesting what the inspection was for, at what time and who did the inspection. I did not receive a response. 
I received the same type of bill on XX/XX/2020. I again wrote them requesting information as to what type of inspection, who inspected, time and date and the reason and still no response. 
The statement from Selene Finance states they are a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: WA

Complaint narrative:
On Sunday, XX/XX/2020, at approximately XXXX XXXX, I tried to withdraw {$60.00} from my checking account. The machine took an extremely long time but looked like it would ultimately dispense the cash. However, at the very end of the process, the electronic receipt appearing on the screen said, " Reversal '', and the cash was NOT dispensed. My account was charged {$62.00} ( which includes the merchant {$2.00} fee ), along with an additional {$2.00} which US Bank claims it charges for using a non-US Bank machine. Please note that this consumer realizes full well that ATM machines actually SAVE banks money by taking on the role of tellers. They should be paying us to use the machine. US Bank 's electronic system FAILED to note that it was a " Reversal '' ( I'm sure that electronic message had to have been communicated ) and DECIDED to take the money out of my account officially 48 hours later. The 24 hour delay ( it should have taken only the usual 24 hours to post ) meant that a dispute filing was also delayed for that time. No provisional credit has yet been issued, despite the infinitesimally small amount, and the only thing they will say is that I have to wait AT LEAST 10 business days. They are USING my cash, so will I then get the interest they are making on it while they hold it?

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 2020-12-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I filed Chapter XXXX Bankruptcy in XXXX of XXXX. I did not reaffirm my mortgage loan in the event I would not be able to pay the loan I would not be held liable and the only collection they could perform would be to reposes the home and could not file a default judgement against me due to no reaffirmation of the loan when filed Chapter XXXX bankruptcy. Now the 4th Mortgage company is filing a judgement against me with the courts for {$60000.00}. They are not allowed to file this judgement as I understood due to the Chapter XXXX Bankruptcy we filed in XXXX. I had to spend {$500.00} on a retainer fee because they have filed judgement against me when the law clearly stats if filed Chapter XXXX and no reaffirmation on the mortgage that they can't come after me personally but Shellpoint Mortgage has filed a judgement against me XX/XX/XXXX. We have not paid the mortgage since XX/XX/XXXX and they have passed it down from one mortgage company to another each time the new company files a judgement against me. This judgement was dismissed by the courts in XXXX of XXXX. Each month we receive a notice from Shellpoint Mortgage that we are not responsible for loan payment due to Chapter XXXX and no reaffirmation of the loan. PLEASE help us to STOP this illegal action!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I bank with Fifth Third and have over {$10000.00} in cash in the account. I also have a credit card of {$8500.00} which I obtained last XX/XX/2019. 
I have never missed a payment and paid off the card! I have stellar credit. This is by far the worst bank. Incompetent. Six weeks to pay a balance transfer and they take no responsibility for there incompetence. Horrible. I could not even make a {$40.00} purchase and I have over {$100000.00} in credit! I am closing my bank account and I can not even get my cash out of my own bank account due to bank being closed. There customer service is horrible. Overseas people that can not speak English! No response by executives XXXX XXXX or XXXX XXXX as to explain why my credit line was reduced by no fault of my own!!!! This is incompetent and unprofessional!

Company response to consumer: Closed with explanation