vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXXXXXX XXXX  and credit cards for military and veterans says i was late making payments. I was in XXXX I had auotomatic payment and money was taken out of account. Right now they have said they are taking them iff but it has been a year. I am tired if companies that lie through there teeth. All is somebody needs to do is get credit report that shows not if paid or not but the credit reports that show money amount. I payed XXXX in XXXX and then they say i missed paymemt in XXXX. I havent missed a payment in 30 yearscwith any credit cards. Also XXXX XXXXXXXX says in XXXX i was late ine day on the last 3 payments. I can rememner what happened like yesterday but it would take 2 pages. I had automatic payments with them too. Why would you pay paymentdms on timevfor 69 months then all of a sudden with no changes on life or job make paymebt late one day. I was in military and got paid on XXXX. The only thing that happens is there is 31 days in some months. I called them and asked why credit score webt down after i paid my car off with every payment in time. They are finance company and they made reason up why my score went down. It went down because i didnt have different credit types. They didnt know it and i took classes on credit. They made the late payments up because they dont give their own finance team credit reporting classes. 

I want legal dovumentstion from XXXX XXXX and bank from FAIR CREDIT REPORTING AGENCY SECTION 604, 605, 609 AND 611.  To show you that I didnt make payments late. I was in XXXX and thank XXXX i had automatic payments. These companies are triffling because i wrote bith of them and all 3 credit agencies for FCRA SEC 604 605 609 611. NOT ONE OF ALL THOSE SENT ME THE LEGAL DOCUMENTATION SHOWING ME THAT THEY ARE CORRECT. I KNOW I AM CORRECT BUT IF YOU GET IN FIGHT WITH BIG COMPANIES THEY SEEM TO NEVER BECOME WRONG. BUT THEM NOT SENDING ME 604 605 609 and 611 they have to takev9ff credit reportvand they havent.

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 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX bank and credit cards for military and veterans says i was late making payments. I was in XXXX. I had auotomatic payment and money was taken out of account. Right now they have said they are taking them iff but it has been a year. I am tired if companies that lie through there teeth. All is somebody needs to do is get credit report that shows not if paid or not but the credit reports that show money amount. I payed XXXX in XXXX and then they say i missed paymemt in XXXX. I havent missed a payment in 30 yearscwith any credit cards. Also XXXX XXXXXXXX says in XXXX i was late ine day on the last 3 payments. I can rememner what happened like yesterday but it would take 2 pages. I had automatic payments with them too. Why would you pay paymentdms on timevfor 69 months then all of a sudden with no changes on life or job make paymebt late one day. I was in military and got paid on XXXX. The only thing that happens is there is 31 days in some months. I called them and asked why credit score webt down after i paid my car off with every payment in time. They are finance company and they made reason up why my score went down. It went down because i didnt have different credit types. They didnt know it and i took classes on credit. They made the late payments up because they dont give their own finance team credit reporting classes. 

I want legal dovumentstion from XXXX XXXX and bank from FAIR CREDIT REPORTING AGENCY SECTION 604, 605, 609 AND 611.  To show you that I didnt make payments late. I was in XXXX and thank XXXX i had automatic payments. These companies are triffling because i wrote bith of them and all 3 credit agencies for FCRA SEC 604 605 609 611. NOT ONE OF ALL THOSE SENT ME THE LEGAL  DOCUMENTATION SHOWING ME THAT THEY ARE CORRECT. I KNOW I AM CORRECT BUT IF YOU GET IN FIGHT WITH BIG COMPANIES THEY SEEM TO NEVER BECOME WRONG. BUT THEM NOT SENDING ME 604 605 609 and 611 they have to takev9ff credit reportvand they havent.

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 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX  and credit cards for military and veterans says i was late making payments. I was in XXXX. I had auotomatic payment and money was taken out of account. Right now they have said they are taking them iff but it has been a year. I am tired if companies that lie through there teeth. All is somebody needs to do is get credit report that shows not if paid or not but the credit reports that show money amount. I payed XXXX in XXXX and then they say i missed paymemt in XXXX. I havent missed a payment in 30 yearscwith any credit cards. Also XXXX  XXXX says in XXXX i was late ine day on the last 3 payments. I can rememner what happened like yesterday but it would take 2 pages. I had automatic payments with them too. Why would you pay paymentdms on timevfor 69 months then all of a sudden with no changes on life or job make paymebt late one day. I was in military and got paid on XXXX. The only thing that happens is there is 31 days in some months. I called them and asked why credit score webt down after i paid my car off with every payment in time. They are finance company and they made reason up why my score went down. It went down because i didnt have different credit types. They didnt know it and i took classes on credit. They made the late payments up because they dont give their own finance team credit reporting classes. 

I want legal dovumentstion from XXXX XXXX XXXX XXXX from FAIR CREDIT REPORTING AGENCY SECTION 604, 605, 609 AND 611. To show you that I didnt make payments late. I was in XXXX and thank XXXX i had automatic payments. These companies are triffling because i wrote bith of them and all 3 credit agencies for FCRA SEC 604 605 609 611. NOT ONE OF ALL THOSE SENT ME THE LEGAL  DOCUMENTATION SHOWING ME THAT THEY ARE CORRECT. I KNOW I AM CORRECT BUT IF YOU GET IN FIGHT WITH BIG COMPANIES THEY SEEM TO NEVER BECOME WRONG. BUT THEM NOT SENDING ME 604 605 609 and 611 they have to takev9ff credit reportvand they havent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: OH

Complaint narrative:
I sent out letters on XX/XX/2020 to all three credit bureaus noting inaccurate and unknown information reporting to my credit report and have yet to receive a response to them. It has been well over 60 days and by law I should have received a response by now. I feel as though I am being taken advantage of and ignored of the disputes sent. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.

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 2020-10-22 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: OH

Complaint narrative:
I sent out letters on XX/XX/2020 to all three credit bureaus noting inaccurate and unknown information reporting to my credit report and have yet to receive a response to them. It has been well over 60 days and by law I should have received a response by now. I feel as though I am being taken advantage of and ignored of the disputes sent. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.

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 2020-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
I was charged {$20.00} for payoff statements that were requested by a third party in connection with a refinance transaction. The mortgage and note do not mention any fees to be charged for mortgage maintenance. There was no fee schedule included in my closing package, which was confirmed by XXXX XXXX of Quicken Loans by telephone conversation on XX/XX/2020 at XXXX XXXX XXXX. At closing, I was never made aware of any fees to be charged for payoff statements or maintenance of my loan. Quicken Loans refused to remove the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: AFNI INC.
State: CA

Complaint narrative:
XX/XX/2020 I was notified through XXXX XXXX that AFNI added a derogatory account. This account was sold and Transferred. A bill without a signature does not validate a debt. Please terminate all collection efforts. And notify all three credit bureaus for inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: TX

Complaint narrative:
I just recently received a lawsuit settlement check from CFPB V Freedom Debt Relief Third party Administrator -7033 brought against The XXXX XXXX XXXX XXXX  charged a settlement fee where there was no actual debt settlement It was for all part of the fees I paid XXXX I recall meeting with them because I changed my mind about using there debt relief services, and somehow they managed to convince / confuse me that it would be of my best interest to have their services instead of filing bankruptcy I decided to go ahead as planned and for months/ year or more I paid them monthly payments // finally they did some kind of consolidation write off and I no longer had to pay them off ; ; ; after all of this time paying them mega bucks they allowed me to be labeled Bankruptcy on my Credit Report!!! I struggled with having Poor credit filed reporting for years *** I guess what my question to CFPB is Does Freedom Debt Relief owe me back pay for more ~ $ XXXX than the {$5200.00} settlement check? 
I dont have the exact dates of when this took place but Im guessing 10 yrs or less ago,,, and CFPB should have the records and information used to get the settlement check to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tx XXXX ( XXXX ) XXXX cell

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I have a Paypal Mastercard through Synchrony Bank. I don't know the exact date I opened the account but it's no later than mid 2017. The problem I'm have is that Synchrony holds my payments up to 14 day ( and generally for the full 14 days ). I have contacted them about it numerous times. They will periodically release a payment but most often refuse to. My available credit is {$12000.00} and the card is used almost exclusively to pay for XXXX XXXXXXXX. The cost is {$37000.00} per month and I pay for it in increments of about {$10000.00}, pay off the card in total and then do the next payment for the XXXX. 

I have a history of over three years of using the card for these large purchases ( XXXX ) and making frequent and or large payments. There has never been an issue of a payment being late or rejected. My history with the card is perfect and my credit score is almost 800! 

Because they hold these payments, I'm unable to do the purchase of the medication in a timely manner. Synchrony told me they hold larger payments over {$2500.00} so I've made payments under that amount. {$2400.00} one day and then {$2000.00} the next. Then I was told they hold payments when they are made on multiple days too close together. I've talked to a supervisor who was rather rude and dismissive of my issues, only to say there's nothing they can do ... it's our policy! 

The payments are made from my online account with Synchrony 's "  pay your bill '' option. The payment is linked directly to my bank account. It's not a paper check that needs to be processed through the bank. I contacted Paypal ( because it's a Paypal Mastercard ) to see if they had any suggestions. I was told that my payment to Synchrony goes first to Paypal, they verify that the payment is in fact good ( the money is in the bank ), and then they send it on to Synchrony. With that in mind, I can see no reason for them to hold any payment when it's already been verified as good. When I asked the supervisor about that she repeated the same thing ... it's our policy! 

By the way, there have been times over the years that larger payments ( up to {$5000.00} ) have processed in a couple days so when they say they hold all large payments, it's not accurate. 

I have asked Synchrony what if any thing I can do to resolve this. They say there is nothing. 

I am beyond frustrated and angry. I realize this is legal according to the Truth in Lending Act but it sure seems immoral. I can't imagine that I have no recourse but it appears I don't. Filing this report is a last ditch effort to get something changed.

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 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc.
State: PA

Complaint narrative:
Traying to fix my credit score, i did send to self.com financial co the monthly fee {$49.00} for 4 month.After " Self co '' did stop the service and refuse to return taking money back to my account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Was notified by mail by Chase that my account would be closed due to fraudulent activity, although all I had done with the account is open it online, changed my direct deposit info to this account, and deposited a rebate check for {$7.00}, I phoned in attempt to rectify the situation, but on day 1 I was placed on hold twice for 50+ minutes, and was eventually hung up on. Day 2 more of the same, on day 3 I was actually able to speak with someone in the " fraud bureau '' who released the hold on the account, so that I could close it as I have no intention of continuing to do business with Chase, however I had to be transferred to another dept. to close the account, now I'm dealing with someone whose English is horrible, she tells me she has to verify who I am by answering 3 questions first was which company I had history with ( I think ) I never heard of any of these companies, 2nd was Liscense plate registered to me, I have no vehicles registered to me, them I was told I didn't answer the questions right and couldn't close the account, so I guess they keep the {$7.00}, Chase is impossible to deal with on many levels

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The account in question in discussion is Capital one Bank Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XXXX I was sick with XXXX I tried calling to defer the payment and could not reach anybody at Capital one. When I was well enough to work I did make the payment immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I was a XXXX customer. On XX/XX/2019, I returned to XXXX all its equipment. The same day I returned the equipment, I took another internet service with XXXX XXXX XXXX. XXXX received the equipment on XX/XX/XXXX, and I also called them to let them know that I returned the equipment. In XXXX, XXXX sent a bill mentioning XXXX past due. As a result, I called them to remind them that I haven't used XXXX for almost two months, and why they keep on sending bill to me. I also sent to them the return receipt along a formal correspondence in which I explained that I don't have in my possession any XXXX equipment. Surprisingly, in XXXX XXXX sent another bill with XXXX and XXXX past due. I did the same thing by calling them to clarify the case. In XXXX, I received a correspondence from XXXX mentioning that I have been disconnected for non payment, and I have been charged {$330.00}. All I have tried was in vain. Finally XXXX has sent the case to credit collectors. At least, three credits collectors have attempted to collect the {$330.00}. Right after I sent the proof that I returned to XXXX its equipments, they returned the case to XXXX. Now XXXX has sent the case to a fourth credit collector, which is I.C System. This is why I am writing this complaint

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 2020-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The account in question in discussion is JPMCB Card Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XXXX XXXX was sick with XXXX I tried calling to defer the payment and could not reach anybody at XXXX XXXX. When I was well enough to work I did make the payment immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Received a letter from Citizens Bank in late XXXX of this year ( 2020 ) informing me my accounts would be closed with no reason given. I had been a customer for over ten years with an account in good standing. I emailed the CEOs office to try and get an explanation or reverse the decision, but they treated me like I was just a waste of their time. Ive done nothing wrong. Something is seriously wrong with banking regulations if banks are allowed to do this. Only XXXX  and XXXX  should be treated like XXXX  and XXXX, not innocent customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP
State: NY

Complaint narrative:
The account in question in discussion is US Bank Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XXXX I was sick with XXXX I tried calling to defer the payment and could not reach anybody at US Bank. When I was well enough to work I did make the payment immediately.

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 2020-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The account in question in discussion is Citi Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XX/XX/2020 I was sick with XXXX I tried calling to defer the payment and could not reach anybody at Citi. When I was well enough to work I did make the payment immediately.

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 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent a lot of letters to the credit bureaus because I have a lot of errors on it. Also, Equifax have blocked my account and I wanted an explanation but I didn't have it. I sent 6 rounds of letters to the bureaus but I had nothing resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX Statue of Limitation Expired as of XXXX XXXX Negative account removed from my credit. 
XXXX Portfolio Recovery Assoc starts a collection of {$2500.00} XXXX Prortfolio Recovery refused to provide original contract, all payment history of the XXXX  XXXX Account and 1099 of this debt.

Company response to consumer: Closed with explanation