vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
An account was opened with PayPal/ Synchrony Bank in my name and I was not the one who established the account. I filed a report on the phone and received in the XXXX mail a letter dated XX/XX/XXXX stating the account was immediately closed. It further stated the credit agencies would be notified to remove the account from my credit report. The letter informed that my information had been flagged in their system to prevent further fraud. A letter dated XX/XX/XXXX was then received stating due to the account being older than one year and the person who opened the account had benefited from a purchase, Synchrony Bank refused to consider this fraud or close the account. On XX/XX/XXXX, I called XXXX and spoke to the Rep : XXXX. Upon trying to find my account using the only phone number I have had in over five years I was told I did not exist in his system. When trying with my name and the account number on the invoices I have received, the account was found. I requested to pay off the account and have it closed. I wanted in writing that this account was closed and would not effect my credit. I was informed by the representative that he would not do that. He stated the account had been considered delinquent and officially closed on XX/XX/XXXX. He stated the process had already begun to report this to the credit bureaus. The Rep informed me he would transfer me to the Fraud Department for further follow-up on my complaint and at that point terminated the call.

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 2020-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
While most state harassment laws do not require the victim to formally request the harasser to stop, some documentation goes a long way in establishing your displeasure with the offender 's actionshence the cease and desist letter. ... A cease and desist order is given by a judge to order a person to stop a certain act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: AR

Complaint narrative:
Original mortgage sold ( XXXX ) to PNC Bank in XX/XX/2019. Received letter mid XXXX informing us of the sale. Contacted Both banks to confirm. Asked PNC if auto payment would transfer, they said yes. A week later we received a payment book in mail. I called PNC again to verify everything transferred, this rep said auto payments dont transfer. Asked what we needed to do so our payment would be on time. Rep said we would have to pick either the XXXX or the XXXX to have our payment automatically transferred. I said that our original loan was for the XXXX. She said that that was their policy. I asked her twice if I completed the paperwork if it would be in effect before our next payment became due, she told me it would. I checked our regular bank today and the payment had not been taken out. Called PNC again too see why, rep said that it would not take effect until XX/XX/XXXX and they sent letter yesterday. I told her I had completed all paperwork they requested by the deadline they said they needed it. Now our payment is late. This has been more frustrating than the initial purchase and closing of the original loan. Not only did PNC change due date, they changed the amount due from the original loan. Im not a lawyer but there should be laws to protect consumers against this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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 — Problem with personal statement of dispute
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I leased a car from GM financial the amount for each month was supposed to be {$330.00} and when I received my first billing statement it said the amount that was due {$310.00} and including The payment coupon at the bottom of the statement it said {$310.00} when I logged in and setup the auto payment it showed for {$310.00} thats the only option I had so I set it up and thought that they made a mistake the first time and the current amount was XXXX and I didnt think anything of it I pay all my bill with autopay so I just forgot about it and a few months later I see a late payment on my credit report they never tried to contact by phone or mail they said they emailed me but I never got it So I called them to try to fix the problem and they told me that was a mistake that the bill was sent for that amount it was their mistake so I paid the pasted do balance and brought it up to date and they said they will remove that late payment inquiry off of my credit report and which they never did! And also when I leased t my car from them I returned a car and they were supposed to waive the disposition fee because I was leasing from them again they didnt do that either and reported a late payment fee again on my report and I returned the car the same day as I received the new one after going back and forth with them they did waive the disposition fee but still have a late payment on my credit report so I have 2 late inquiries from them on my report and I never had a late payment before I always pay everything on time and I keep calling them to remove it but nothing is getting resolved. And Im trying to purchase a home this has effected my credit big time that Im having a hard time getting approved please help me resolve this issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
on XX/XX/XXXX I called made my mortgage payment with Mr.Cooper for the month of XXXX. while on the call I asked for a payment deferment for the month of XXXX so I could have extra money for XXXX. I was told I could be put on a repayment plan and pay extra on my XXXX, XXXX and XXXX payment but not a deferment. I asked would it hurt my credit she said it would not show 30 days late since I was on a repayment plan. I asked several times since I had the money to pay it I was just looking to be able to give my kids a better XXXX I was also told I could make partial payments in those months and when the total of the repayment amount for that month was in there it would be applied to my acct. so I thought great. so I called back XX/XX/XXXX to pay XXXX which was a partial payment. I was advised I was never even put on a repayment plan I was advised I was turned in as 30 days late for XXXX payment I was also advised that there was no partial payments even allowed on a repayment plan. so I was put on the plan at this time and I payed my {$2100.00} at the end of XXXX I think on the XXXX. I made another payment of XXXX by electronic check on XX/XX/XXXX then today I look at my bank account and see fees because they tried to take my XXXX payment out again after my check has already been cleared and applied to my acct. this company just cant stop causing problems and they will not do anything to help fix them I also was turned in as missing my XXXX payment even tho I paid it on XX/XX/XXXX. so now I have been getting turned in as 30 days late until I get done with my repayment plan in XXXX. so I now have ruined credit after never missing a mortgage payment before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: TX

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE BEING REPORTED BY YOUR AGENCY. I SENT DISPUTE LETTERS ON XXXX WITH NO INVESTIGATIVE REPORT RESULT RESPONSE. 

AS OF XXXX THERE IS A 30 DAY VIOLATION WHICH IS INDEFENSIBLE UNDER THE FCRA GUIDELINES.

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 2020-03-05 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: TX

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE BEING REPORTED BY YOUR AGENCY. I SENT DISPUTE LETTERS ON XXXX WITH NO INVESTIGATIVE REPORT RESULT RESPONSE. 

AS OF XXXX THERE IS A 30 DAY VIOLATION WHICH IS INDEFENSIBLE UNDER THE FCRA GUIDELINES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I was notified of a fraud alert on my account. I did not contact Experian or any other agency that I needed a fraud alert. When I called XXXX XXXX and XXXX  to remove the fraud alert they both said, the fraud alert came from Experian. I called Experian to find out why there was a fraud alert put on my account and who authorized it. They would not give me an answer. They just said, there was a voice mail. But they refuse to tell me who the voice mail came in from. They refuse to tell me what was said. They refuse to tell me why they didn't confirm who it was that called them ... it could have been anyone. This makes no sense b/c when anyone calls Experian for any reason, you must answer a bunch of questions before they will give you any information ... yet, they just took some stranger 's voice mail to put a fraud alert on my account. This is fraud on their practices and procedure. They refuse to look into this situation. I have called multiple times. They will not return phone calls with any information. This is unacceptable to me. They refuse to check themselves and their policy, practice, and procedure ... or acknowledge any wrongdoing on their part. I want answers or an apology and a promise that my account will not be compromised 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 non-monetary relief
Consumer complaint received 2020-03-05 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:
Experian Information Solutions , Inc. et al. are in violation of the Fair Credit Reporting Act and have willfully failed to follow reasonable procedures to assure maximum possible accuracy of information contained in my consumer credit report. Experian Information Solutions , Inc. et al. are willfully and intentionally reporting false information on my credit report arising from identity theft. The false information is defamatory, is furnished with malice or willful intent to injure me, and has caused me mental anguish, embarrassment, and humiliation. I believe Experian Information Solutions , Inc. et al. has discriminated against me on account of my race and nationality by willfully reporting false information arising from identity theft.

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 2020-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Please see my response to Huntington via the CFPB site : Complaint # XXXX Huntington continues to : - Charge me for interest incorrectly due to their negligence - Misapply funds that should be applied per my direction that they hold illegally in Escrow - Communicate that a scheduled subsequent refund XXXX XXXX will be received by Huntington, not my wife and I, and they will immediately hold that money in Escrow

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2020-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2020-03-05 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: EQUIFAX, INC.
State: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: FL

Complaint narrative:
Transunion has violated my rights by not following proper fair credit reporting practices. I submitted a dispute online on XX/XX/XXXX I have been monitoring the progress since I started the dispute. the date of completion was set for XX/XX/XXXX. I called today to find out the result. they explained to me that the investigation has been completed. when i asked them why I was not informed they started that it was emailed to me. I replyed I never received the email, when I asked them which email they send it too they could not answer me and only replied that unfortunately the email was sent. They stated that the investigation was complete but I was not legally notified with-in the time frame they had. I requested verification and they would not provide it to me. I was never notified and I could not see the results online which is my right, with-in the time frame which is required by law of 30 days. The information has to be deleted. Transunion did not do the proper investigation and violated my rights under section 609,623, and 611 of the fair credit reporting act. I would not be so upset if the results was available to me online but no results where posted and I can only take there word with no proof of validation and with holding the results from me. the dispute and information must be DELETED

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 2020-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The three Credit Report Agencies XXXX, Transunion and XXXX  lowered my Credit Score recently in the amount 50 to 100 points. This reduction is due to High Balances on my Accounts which is normally legal however there is no evidence that do to these balances my payment history change. The Credit Score is the first thing a Lenders see there are very few if any to look past that score before denying credit. I have made 100 % of payments on time for the past 5 years however I was denied recently by XXXX XXXX XXXX XXXX where I have been a member for 6 years due to this misinformation. It is quite damaging to me as a consumer that affect the quality life of my family. If a Credit Reporting Agency is going to release that type of damaging information a notation should be send to the Lender up front that the Consumers payment history status is still 100 % perfect if there is evidence.

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 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
I have had a XXXX collection appear on my credit report periodically for over ten years. I dispute it, the credit reporting agencies remove it, it reappears a year later. It's back. Again. I don't know what else to do. This time the collection agency is Credence Resource Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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 — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
Every creditor/company that Ive researched on my credit report and disputed due to accounts not belonging to me, but came back as my statement being my responsibility, is THE MOST frustrating! I am RE-DISPUTING with complaints to every single creditor that is claiming otherwise. I want PROOF & ORIGINAL DOCUMENTS that show that these balances AND accounts actually belonged to me with my signature present!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
HRRG has been calling for the past couple weeks, 20-25 times a day. calling my work phone, calling my cell phone, calling a relatives phone. Sending voice text to my relatives phone. Sending voice text to my work phone. But have only sent one invoice to my house. XXXX XXXX XXXX has sent me invoices for the same debt, not sure who should be collecting. I have attached some of what we have received and labeled who received. Please help resolve the nightmare.

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 2020-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
During the middle of XXXX of 2019 I logged into kmfusa.com and  moved my monthly vehicle loan due date forward by 19 days or so. So my previous due date was XXXX and my new due date would be XXXX and all other payments from that moment forward would also be made on the XXXX of the month. Everything goes as expected, on XXXX I get a confirmation letter stating the updated due date is now changed, along with this statement " If you purchased a policy or policies of Credit Life and/or Disability Insurance, said policy or policies might not cover this extended term. '' So as you can even read this my new due date has also extended the final loan payment out by 19 days. XXXX Kia Motors Fiance gets the monthly balance of XXXX paid in full. XXXX another monthly statement is generated saying I owe the usual XXXX on XXXX, XXXX payment is made in full for XXXX. XXXX another statement is generated stating I owe the usual XXXX on XXXX. On XXXX I get a phone call stating I am a month behind on my vehicle payment, the rep has to go through the information and states I did not make a payment in XXXX and I said yes I moved my payments forward and changed the due date on the website. He basically says that is not how that works and I am a month behind. The website was very clear about me only being able to move my due date forward 19 days and this was a onetime option that I could do. Why did it take 3 months to even bring this up, there website shows that I was in good standing making on time payments for 3 months and randomly on XXXX I am now a month behind because of a date change 3 months ago. I have all the statements to back this up also.

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