vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-21 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I opened my verizon visa by synchrony bank to pay both my cable and cell phone bills from verizon. They gave me the hard time to even activate my card, asked me to make a short video of myself and wave my ID while doing it, which is very degrading. At the end I found a way to activate my verizon visa card without going through all that ridiculous process like most other cards do just call a number and will be activated automatically. I finally was able to add the card into my phone and cable bills and set up auto pay on it. Everything was fine until I decided to add the card to my XXXX XXXX Here you go again they made me go through the ridiculous process I mentioned earlier, which I told them it was their loss so I declined. Here comes the problem their fraud department locked my account and I can't use card. My bills autopay did not go through. I called again today XX/XX/XXXX and they said they sent a code via USPS mail since XX/XX/XXXX spoke with customer service who said this. We have USPS confirmed delivery digest which shows all incoming mail. It has not arrived as of XX/XX/XXXX. They will not try to compensate this and refuse to expedite the mail and can not even guarantee anything. This is a bad practice from their parts. They can not forced me to add my card to XXXX XXXX if I declined to go through the ridiculous process they asked me and locked my card and assumed I am a fraud? I have not done anything wrong to deserve this. I have excellent credit and they have the worst customer service ever. They have no reason to lock my account just because I refused to be inconvenienced. They're the worst. I am not the only one but talking to their reps if you're lucky to get someone with good phone connection who actually lives in XXXX and speaks and understand english well. They outsourced from overseas like XXXX or somewhere else which is fine but they only transfer me multiple times just to disconnect me at the end. It was horrible. They need to treat their customers with respect.

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 2021-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sessoms & Rogers, P.A.
State: SC

Complaint narrative:
I started a mortgage application XX/XX/2021 and was preapproved. Upon receipt of the title work XX/XX/2021, I noticed there was a judgment from XXXX XXXX XXXX against me. I want to payoff this judgment through the mortgage loan. I first contacted XXXX XXXX XXXX for the payoff at XXXX. They advised me that the account is now being serviced by Sessoms and Rogers and to call phone number XXXX. I have contacted Sessoms and Rogers over 10 times trying to get the payoff. The RE attorney I chose for closing my loan has reached out several times as well via email and phone. My loan officer has also reached out several times as well via phone and email. It is now XX/XX/2021 and I still do not have a payoff. Whenever any of us call, they state that are reviewing the file or updating the file and will contact me once it is ready. When I call the XXXX XXXX they say they can not do anything but refer it to Sessoms and Rogers who is now handling the account. When I call Sessoms and Rogers they continuously advise me, the loan officer and my Real estate attorney that they are working on it. It has been over 27 days and they still can not give me the payoff on this judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: Rocket Mortgage, LLC
State: WA

Complaint narrative:
I RECENTLY REFINANCED MY HOME LOAN THAT I ONCE HAD WITH QUICKEN LOANS. AS WE WERE CLOSING, QUICKEN LOANS FOR WHATEVER REASON SOLD MY MORTGAGE TO " XXXX XXXX ''. MY PAYOFF CHECK GOT TO QUICKEN LOANS AND QUCIKEN LOANS ACCEPTED THE PAYMENT AND CLOSED OUT THE ACCOUNT. ALL THIS HAPPENING WHILE XXXX XXXX  IS NOW TRYING TO COLLECT A MONTHLY PAYMENT FROM ME. THIS IS A COMPLETE ERROR BETWEEN QUICKEN LOANS AND XXXX XXXX. I HAVE ATTACHED A COPY OF THE " CLOSING DISCLOSURE '' SHOWING PROOF THAT MY REFINANCE WENT THROUGH SUCCESSFULLY. XXXX XXXX  NEEDS TO BE DELETED FROM MY CREDIT ASAP! THIS IS A COMPLETE VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: GA

Complaint narrative:
Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved. 

These companies are in complete violation of the Fair Credit Reporting Act 15 U.S.C Section 1681 for Unlawfully obtaining my consumer 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 2021-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
Originally contacted XX/XX/2021 hmfusa ( Hyundai Motor Finance ) ; a " charge-off '' was placed on my account after the vehicle was deemed a total-loss ( losing XXXX points on my credit score ), as never being late on any payments and paying my loan as agreed per terms of my agreement I contacted hmfusa and requested the inaccuracy to be removed and sent a letter on XX/XX/2021 to hmfusa XXXX as of today ( XX/XX/2021 ) I continue to make timely payments as agreed by my loan 's terms. I disputed this inaccuracy with XXXX XXXX and XXXX and so far XXXX denied my request to delete the charge off status even though I have proof that I was never late or less than the minimum amount per month. I don't believe it is okay to mark a customer 's account as a " charge off '' and damage their credit when they've never been late or had missed payments. and nowhere in my loan contract states that you are able to determine the account as a " charge-off '' whenever you feel like it. In conclusion, I will never do business with Hyundai Motor Finance again.

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 2021-05-21 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Navient has not been reporting to the credit bureau that I was making my payments on time and completely tanked my credit score. 

They have said that they fixed it, but I have no idea if that's true or not and I want this reported regardless. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
Good afternoon : I recently opened an account with coinbase.com. I adhered to all the security and privacy protocols. I made two purchases amounting to roughly {$1900.00} between XXXX XXXX. I received an alert that said my account was compromised. I immediately asked Coinbase to shut my account down until I strengthen my security protocols, thinking it would be easy to reinstate. A notification from Coinbase said they would rectify the problem in 4-5 days. I believe I may not be the only one that is feeling scammed by a Coinbase. After reviewing certain crypto blogs, it seems like its a fairly relevant in common situation. They provide no customer service or any way to contact them via phone. XXXX contact is done through a case number and email. Which, always goes on answered. Please help me to get my money back. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
Hello I hope you guys can help because I dont know what to do at this point. Ive been reviewing my credit lately and notice an account listed from Mariner Finance acct # XXXX. I was startled because I truly dont recall have any account with this company. So I submitted a letter which Ive attached by certified mail and notarized. When entering in my certified mail receipt # XXXX the letter arrived XXXX I also submitted a return receipt which the company altered and replaced with their own label ( this is truly scary ) So to my surprise I received a letter from the company with a representatives signature saying the information reporting to the credit bureau is accurate. I never disputed inaccuracies or info on credit. I asked for VALIDATION. Which the company failed to produce. This is not consent to give the company a XXXX for reinvestigation. The purpose of the complaint is to ensure the company deletes this account for failure to validate the account with documents. Ive attached all correspondence between me and the company please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southwestern Investors Group, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX XX/XX/XXXX I received a call regarding a debt I owed. I called business the business associate named XXXX told me I had a debt of XXXX XXXX from years ago. This debt was under already resolved. I told him it was paid and not to call me or anyone I know he perseeded to tell me my social security number over the phone with is a violation of the ftc. I told him this and not to contact me again regarding this or I will retain a lawyer you sue this company. He told me to get a job, since I'm home collecting unemployment benefits. I don't want a company giving out my ss # and also harassing me over the phone. Refused to go me address of company or to speak with the owner of the company. Then called me harassing comments. Unprofessional, rude, and violates ftc practices.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
I was behind a couple of payments with PennyMac but I was always in communication with them and had future payments set up to get caught up. I am a service member who was XXXX in XXXX and they knew that and used to send correspondence to my box overseas. But on XXXX this company did a lot of things without telling me. I was NOT on foreclosure and suddenly they decided to have a third party company to do an inspection at my house. This company broke inside my house with the excuse they want to winterized after the winter was over. They demaged my door, my walls, stole items from me and left my house dirty and locked me out of my own house putting a lock on the door. and when I contacted pennymac asking why I was not informed about this inspection they stated I was behind a payment and they have the right to do any inspection they please. I disputed that because no one can come unannounced to my property, damaged and steal my personal belongings, took the water meter, disconnected my services cancelled my insurance and put stickers on my door that resembled foreclosed homes which embarrassed me a whole lot. After they sent a letter to the insurance company to tell them to cancel the insurance they started sending me letter stating I didnt have insurance which they cancelled performing such acts of disregard on peoples houses. and they knowing I was overseas with the military said my house was vacant. And they will continue to come in and do as many inspections as they want. This company has no respect for its customers and will use military work against military members.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX a request for removal from my consumer report to this company.

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 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I XXXX XXXX XXXX The Federally Protected Consumer Rights has been violated.Trans Union Credit Reporting Agency is in direct violation of 15 USC 1681 a ( 1 ) Accuracy and fairness of credit reporting. I did not benefit nor consent to these accounts being furnished on my report.I value my consumer report & only a natural living person can do that.

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 2021-05-21 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: IL

Complaint narrative:
Hello, I am writing a complaint because this XXXX XXXX account XXXX is negatively affecting my credit report. I disputed this account originally back in XXXX of this year regarding furnished information appearing on my credit. This account is appearing has a collection/charge off and was closed back in 2016 however this account is reporting current payment history which doesnt make sense since this account is closed. This account shouldnt have any payment history reporting since its already been closed. Also, from looking at the FCRA it considered a violation by furnishing information. Anyways I disputed this account again twice in XXXX but there was still current payment history after Ive repeatedly disputed it but also the account was not verified. Please take a look at my previous credit reports, my most recent one and my proof showing my letters were sent certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I sent XXXX on XX/XX/XXXX to XXXX thru the XXXX Zelle app.On there website and XXXX page it says Fast and safe service. The recipient didn't receive the funds and it said PENDING REVIEW in the activity. On XX/XX/XXXX, the recipient still didn't receive the funds. I called Zelle and I was told that they would try to cancel the transaction. I paid the recipient in cash the XXXX. I called Zelle on XX/XX/XXXX, my money still hadn't been returned to me. The transaction still has Pending review on it and they told me that it will take 7 business days for the transaction to be sent to the recipient or canceled. I told them to cancel it and return the funds back to my account. They told me that they couldn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: FL

Complaint narrative:
I sent certified letters to Equifax, XXXX and XXXX on XX/XX/XXXX, explaining that I had noticed unknown/unauthorized accounts on my credit report. Also, I have several inquires that are not authorized. Each company failed to verify and/or send me proper documentation which means they are in violation of my rights. 
1. XXXX XXXX XXXX {$580.00} 2. XXXX XXXX XXXX {$200.00} 3XXXX XXXX XXXX {$490.00} 4. XXXX-showing as a charge off to XXXX XXXX XXXX 5. XXXX XXXX {$390.00}. This was proven not to be my account and removed from XXXX and Equifax yet still remains on my XXXX 
Inquires not authorized 1.XXXXXXXX XXXX  XXXX 2.XXXX- XX/XX/XXXX 3. XXXXXXXX XXXX XXXXXXXX 4. XXXX XX/XX/XXXX AND XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6 . XXXX XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXXXXXX XXXX XXXXXXXX AND XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America is engaging in unfair business practices as follows : 1. Without any notice, they started charging me a monthly maintenance fee on both my checking and savings accounts. 
2. They are not investigating disputes. I disputed several XXXX charges and they initially credited my account, but then they reversed the credit saying that the business never responded. No response from Lyft does not validate the charges. 
3. These charges have caused my account to become overdrawn and then the Bank charges me overdraft fees. 

I have submitted complaints to your agency previously, but nothing is being done and my situation is getting worse as noted by items 2 and 3.

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 2021-05-21 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:
It is mandatory that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of FCRA, 15 USC 1681 ( a ) ( 4 ) XXXXXXXX XXXX Account # XXXX XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: LA

Complaint narrative:
I was offered a job working for XXXX store in XXXX XXXX, Louisiana which I accepted the job offer. I submitted to a background check that was performed by a background company called " First Advantage '' They reported unfair and false information on my background check saying that I was convicted of an XXXX XXXX XXXX XXXX XXXX ; which was completely false! I have never in my life been convicted of a XXXX XXXX XXXX in my life. Because of this false unfair error that was reported I didnt get the job. I have contested the report ; however, the damage has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: CA

Complaint narrative:
I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine. I sent a dispute letter XXXX, XXXX and EQUIFAX in regards to these accounts on XXXX, XXXX, XXXX and XXXX asking that they be removed. Please note response should have been provided by date XX/XX/2021. I have not received a report and XXXX, XXXX and EQUIFAX are over the time frame required to submit a report to me. Please investigate and send me an updated report.

Company response to consumer: Closed with explanation