vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Re : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX I filed a Chapter XXXX for the arrears of my house to help pay it off and didn't know it included my credit cards. I continued paying my credit card because I didn't know I had XXXX balance as charged-off. The last credit of my payment was XX/XX/XXXX, but I paid another one on XX/XX/XXXX. Last year a XXXX XXXX XXXX from company XXXX XXXX XXXX sent me a letter stating they bought the account and was charging me {$740.00}. I replied numerous times by email, mail, fax explaining that they were my XXXX payment was not credited and they are missing the XX/XX/XXXX statement that should show my additional payment. I even sent the bank statement that contained the payment history for Synchrony. I was requesting for them to credit my payments and adjust the charge accordingly. Their response email states they received my request but they can't entertain but only through phones. I called and left messages more than these that I remember but they just tell me they will call me back but never did. 
XX/XX/XXXX, XXXX email XX/XX/XXXX, XXXX email telephone call left a message- XX/XX/XXXX Faxed documents XX/XX/XXXX Talked to XXXX on XX/XX/XXXX In XX/XX/XXXX, I became jobless because of the coronavirus state orders. As so, I continued to request to adjust the charge sending them the payment evidence and due to financial difficulty at the pandemic time, I was asking for a payment plan. They responded with a Civil Suit Summon from the Superior Court. I tried to go the court to help me with how to fill up the reply form but no department nor attorneys would help me for a {$750.00} collection case. I am in such financial difficulty I can not afford to spend to court and attorney fees so please help me settle this with this company. I have spent a lot of time trying to contact them and this pandemic and this job insecurities drive me to XXXX with an added lawsuit. Please ask the company to withdraw the lawsuit and just communicate with 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 2020-07-23 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CT

Complaint narrative:
I cashapped a person XXXX and the person ended up deleting all forms of contact and not delivering a product. I have proof of contact and records of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I mailed a request to Experian, XXXX and XXXX to remove the fraud alert on my account. The letters were received on XX/XX/2020 ( see attached receipts ) As of today I still see the alert on my report on all 3 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 2020-07-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: FIRST HORIZON BANK
State: FL

Complaint narrative:
On XX/XX/2020 XXXXXXXX transferred all of my funds ( Checking & Savings ) to First Horizon Bank as part of a merge. Closures done without my knowledge & consent. After discovering my emptied accounts. I contacted XXXX XXXX gave me a phone number to First Horizon. After an hour on hold I was directed to the web site to access my new accounts. I was not provided with checks & still waiting for checks. Unable to pay bills. 

I live in XXXX XXXX. First Horizon does not nor are they going to open a physical location in the XXXX XXXX XXXX. I have been informed that all new physical First Horizon expansion 's are in the NC & Va. 

Today ( XX/XX/2020 ) I tried to transfer my Saving 's Account monies to new bank. The online cutomer portal would not allow me to access my new bank & account. Again, telephoned Customer Service. On the third attempt ( placed back into general que once, & disconnected from the system once ) I was then told it was impossible to telephone wire from account to account & that I would have to come in to a physical branch. The closest First Horizon Branch is 2.5-3 hour drive from my primary residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
After national emergency forbearance went into effect, Navient reversed my student loan payments that I tried to make. I made payments on XX/XX/20 ( {$540.00} ), XX/XX/20 ( {$670.00} ), and on XX/XX/20 ( {$670.00} ). These reversals followed a successful payment on XX/XX/20 ( {$540.00} ), which resulted in full repayment of one of my 5 loans. I contacted Navient and they responded, letting me know that my bank declined the payment. They suggested that " usually a number has been entered incorrectly. '' I contacted my bank ( XXXX XXXX XXXX ) and they indicated that they had no record of these transactions. My transaction history does not indicate any payments or reversals. I find Navient 's explanation to be suspect - my bank account information has been stored on my account with them for years and I am on an autopay system. No information changed. I suspect that this may represent a craven attempt to prevent repayment of the principal of the student loans during forbearance. Navient offered an address where I can send paper checks to pay. If this problem persists then I will pursue this option. I wanted to submit a complaint in case this is a widespread practice, in which case Navient should be held accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Loan Account # XXXX Dear Sir or Madam, In response to a Consumer Finance Protection Bureau complaint, on XX/XX/2019 I received notification from XXXX  XXXX that my account will be reported on all credit reporting agencies as Paid in Full, current as of XX/XX/2019. 

As of the date of this letter my credit bureau accounts are being reported as follows : XXXX  reporting as charge-off XXXX  reporting as Paid or paid as agreed Experian reporting as paid account/charge off My auto loan account was mostly paid off by my insurance company ( XXXX ) after the car sustained a total loss in an accident. A balance remained, of which I paid off in a monthly installment plan. 

As of current my account is still reporting as charged off on 2 credit bureau reports. This incorrect reporting is causing me a great amount of hardship. I am currently out of work and unable to accept a job offer that requires me to commute 30 miles because I cant get a car loan to purchase a vehicle due to the charge off on my credit file. 

Ive made multiple disputes via the credit bureaus and each time this charge off status has been re-affirmed by XXXX XXXX. 



Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I'm trying to connect my PNC bank account to my XXXX investment account. PNC won't let me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Re : Improper Student Loan Default Status When CARES Act was passed, money that was seized from my tax returns was returned to me, but my loan was paid off. Why would the decision be made to undo the payoff? That was out of my control and now the default status is affecting me closing my mortgage loan in the next two weeks. There must be an alternate status that my loan could be placed in at least until XX/XX/XXXX. I called to make new payment arrangements, but the DEFAULT status is hurting me right now. 
The Department of Education immediately placed my loans into default. It is my understanding that the CARES XXXX was to provide temporary student loan relief in three critical areas through XX/XX/2020. 

-Student loan payments are paused -Interest is suspended -Collection on defaulted federal student loans is stopped Please help me with this promptly. I really need my home. 
Why is this affecting me BEFORE the XX/XX/XXXX deadline?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I mailed a request to XXXX, XXXX  and Transunion to remove the fraud alert on my account. The letters were received on XX/XX/2020 ( see attached receipts ) As of today I still see the alert on my report on all 3 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 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I mailed a request to XXXX, Equifax and XXXX  to remove the fraud alert on my account. The letters were received on XX/XX/2020 ( see attached receipts ) As of today I still see the alert on my report on all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for a Bank of America credit card. I received the card around XXXX of XXXX. The credit limit was {$5000.00}. To my knowledge I have always paid on time, as a matter of fact I had over paid. Yet they closed my account in XXXX of XXXX. I'm not clear on exactly what my interest rate was, but I believe it was near 26 %. I do not know why they closed out my account and I had a XXXX balance.

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 2020-07-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
My name is XXXX XXXX I am quite upset with the way Nissan Finance runs their arrangements. I am XXXX XXXX my XXXX  has been struggling since XX/XX/XXXX I was picking up a little then once the stay at home order was issued my XXXX  went down the drain XX/XX/XXXX. my account is due for XXXX for {$460.00} I contact Nissan explain my situation and I get helped with 3 months ( XXXX, XXXX, and XXXX ) XXXX comes around I get told I no longer qualify for assistance so I borrow money and cover a full payment. XXXX comes around another shutdown of places take place unemployment has also failed me since I have not heard any news from them and im still on ID VERIFICATION since I applied for PUA which is for XXXX  XXXX  people ... it has been confirmed I spoke to a supervisor via chat XX/XX/XXXX she told me I dont qualify for anymore assistance until XX/XX/XXXX I said fine is there any other way to work around it she helps me out and says can you at least cover {$230.00} I said I will do everything in my power to do so as I do not want a late fee on my account. mind you my paymetn is due XX/XX/XXXX so Im still within my 10 day grace period ... I contact Nissan again XX/XX/XXXX I let them know I was only able to cover {$150.00} but would cover remaining balance of {$88.00} by the next day said ok and he said once that payment posted it will show like the next month is due and I can call in and inquire about payment due date change ... .so today XX/XX/XXXX still within my grace period i get 4 calls from Nissan Motor Acceptance so I contact them via chat to keep my trasncrips and they said that arrangement is not valid and they just provided wrong information, I said wow so you guys just get to make arrangements and later say its not valid and customer servcie rep all she could say is " I dont see this going anywhere so I will let you go '' and I said well now you just get to shake it off say the arrangements was incorrect meanwhile Im here stressing to keep a good credit record + avoid late fees. and I did a couple of car washesd in my neighborhood to obtain this {$230.00} just to get told this. I do have all trasncripts and calls from Nissan Motor Acceptance harrassing me. and this is not the first time I get into arrangements then they just say " well the previous rep gave you wrong information so now im giving you correct information ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I would like to file a complaint with the CFPB and add documentation of contracts, commitments, and guarantees I would like to make available against Capital One Bank. The Bank shows recorded on my credit card a single charge of {$7000.00}. I filed my complaint with the Bank XX/XX/2018. My complaint about entry to my statement to the Bank was recorded on XX/XX/2018. The charge recorded as XXXX   XXXX. A five hundred forty day period of time is allowable to back charge the merchant. Banks sometimes claim the can only back charge the merchant for a short amount of time set by bank policy and that policy may be 30 days or sixty days. According to my calculations I am within the time allowable of five hundred forty days. I made my own calculations on my computer and find considering Sundays  seventy seven in number and Holidays up to sixteen days. I have other banks who can back charge merchants and satisfy me to completeness but why can't this Bank? I hear a lot about Consumer Protection but how does this Bank work for me according to Consumer Protection I would like to know. What proof or evidence can this Bank supply me? What means did this Bank use to contact the merchant? What was their response? Did you contact them within the time allowed? How fast did you respond to my complaint? How many times did you try?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2020-07-23 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: Advantage Financial Service LLC (Idaho)
State: ID

Complaint narrative:
On XX/XX/2019 a medical company in the name of advantage financial services reported on my credit of a unpaid past due bill. The bill was paid by my medical insurance beforehand. There was nothing on my side that made me responsible for this debt. I disputed the information after seeing my credit score drop from XXXX to just about 700. I disputed the charges with XXXX. I was told that the Advantage would not take it off. I then received proof of when my medical insurance paid it and that it was not paid late. I disputed it again. The only change is the amount was dropped down to XXXX with the conment added paid under original amount. I have been getting my credit turned down because of this and the ones that approved me want 3.0 % more!! This is ridiculous and has devastated my situations where I have needed credit. Please get this off

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I tried several times to update all my personal information with my creditors for all 3 credit bureaus and they have not updated correctly. My information should all report as follows : Name : XXXX XXXX XXXX DOB : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
please remove any Security freeze Fraud ALERTS OR FRAUD FREEZEOR PROMOTIONAL BLOCK FROM MY CREDIT REPORT. NEVER REQUESTED ANY OF THOSE TO BE ON MY REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
NewRez my mortgage service company refuses to apply extra payment to the principal. 

Multiple online and phone calls request didn't resolve the issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation