vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This is a formal complaint against Synchrony Bank located in XXXX, FL. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Synchrony Bank has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2021-02-17 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: Convergent Resources, Inc.
State: IL

Complaint narrative:
Company hired from XXXX XXXX  sent a bill to collect to my mothers house in another state that she just moved into.. they did not send directly to me and this debt was included in my chapter XXXX bankruptcy.. I called spoke w them and did not get anywhere. Tried calling XXXX and could not get through to a live person.. I contacted credit bureau to get it off credit w dispute.

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 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XX/XX/2020 and XX/XX/2020 AMERICAN EXPRESS add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The current credit bureau hasnt verified any debts they claim I owe and its been more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are 4 items that is not mine reporting on my credit file and 4 accounts that are inaccurately status : These are does not belong to me : XXXX XXXX Credit Card that is showing charged off Bal : {$1700.00} XXXX - Credit Card - Charged off ; Bal : {$1500.00} XXXX XXXX  - XXXX - {$11000.00} Unknown Account - Bal : {$140.00} Please remove Incorrect personal information : Incorrect Name : XXXX Incorrect Name : XXXX Incorrect Address : XXXX XXXX XXXX XXXX  XXXX XXXX Incorrect Address : XXXX XXXX  XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX The following accounts are inaccurately status ; I was never late on the following accounts : XXXX - I was never 30, 120, or 180 days late from XX/XX/XXXX - XX/XX/XXXX XXXX XXXX  - I was never 30, 60, 120, or 150 days late from XX/XX/XXXX - XX/XX/XXXX XXXX  - I was never 30, 60, 120, or 150 days late from XX/XX/XXXX - XX/XX/XXXX XXXX/XXXX - I was never 30, 60, 90 days late from XX/XX/XXXX - XX/XX/XXXX XX/XX/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 2021-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: ASSURANCE FINANCIAL GROUP, LLC
State: VA

Complaint narrative:
I received a tax invoice from Treasurer, XXXX County, VA on XX/XX/XXXX. I contacted the county and XXXX XXXX  XXXX/Assurance Financial on XX/XX/XXXX. On XX/XX/XXXX, I received another invoice from the County showing the taxes not paid with late charges added on. I contacted the Treasurer 's office and was advised that they had sent two additional letters to the mortgage company. The tax was not paid. 
I have called XXXX/Assurance 30 times beginning XX/XX/XXXX. On four occasions i was told by a customer service supervisor that I would be contacted in 6-10 business days. No one has ever called. 

The money is in my Escrow account. This is a refinance. The persons I spoke to at the mortgage company acknowledge that the money is there. 

I called today XX/XX/XXXX and was told again that the case would be expedited and that I would receive a call in 6-10 business days. 
The only information I have received is 2 form letters acknowledging receipt of my inquiry, telling me that they will respond to my inquiry " within the time limit required by law ''. I don't know what the law requires. Not helpful at all,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
disputing this account XX/XX/XXXX this is not my account i have never had an apartment and never authorize this account XXXX is reporting this wongful account on my credit report this is name of the account XXXX amount {$1000.00} this is a fraud account

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The current credit bureau hasnt verified any debts they claim I owe and its been more than 30 days.

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 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/2020 and XX/XX/2020, BK OF AMER add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: NY

Complaint narrative:
I was contacted by a collection agency named Credit Control LLC that claimed that I owed a debt. I wrote the collection agency asking them to validate the debt on XX/XX/XXXX and mailed it via certified mail and it was delivered XX/XX/XXXX. I did not receive any response from this agency and per my understandings they are supposed to respond within 30 days of receiving my request. The debt is being reported on my credit report, which is hurting me. I made a second attempt to contact the collector on XX/XX/XXXX and the letter was delivered via certified mail on XX/XX/XXXX ; I received an incomplete validation response from the collector which did not address my 2 prior validation requests. I have no proof that they can even contact me to discuss this debt they claim that I owe or collect on the debt that they claim I owe because they have not provided proof- they could be scamming me for all that I know. So much time has passed since I requested validation of this account and the first contact that I received since my initial validation request was dated XX/XX/XXXX ( which I did not receive until XX/XX/XXXX ). Additionally, the information that they mailed to me does not prove the debt they claim that I owe is accurate as all I received was a contract that does not have their name listed anywhere on it as being authorized to contact me or anything real clarity regarding this alleged debt. I am contacting you because it has been over 90 days since I sent my initial validation letter and I feel that it is unfair that this is being reported on my credit report when they failed to validate the debt.

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 2021-02-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CAPITAL ONE AUTO FINANCE is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX, XXXX and XXXX  consumer report on XX/XX/2019 without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b.

I have not initiated any transaction with CAPITAL ONE AUTO FINANCE. Further, I do note have an account as defined under 15 U.S.C. 1693a ( 2 ) with CAPITAL ONE AUTO FINANCE for review or collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Auto Finance was contacted, in regards to a statement claiming a passed due amount. Td informed me that there was a payment missed and I have been charged a passed du amount for close to a year the amount as of the statement dated XX/XX/XXXX {$410.00}, the total payoff amount including the late fees was {$850.00}. 

I paid the amount of {$430.00} to agent id # XXXX ( confirmation number XXXX XXXX the agent told me this is the amount owed minus the late fees. I asked at that time to speak with a person who can assist me in handling the late fees. I was told that it has been noted in the account and a manager was contacted, and will contacting me promptly. 

I have made multiple attempts to contact a manager, XX/XX/XXXX ( manager notified and will call me back ), XX/XX/XXXX agent # XXXX ( manager notified and will call back ). XXXX ( manager notified and will call back ) I called a few more times which i did not keep record of, but every time was noted in my account on TD banks side. 

There has never been an attempt to be contacted by TD auto finance before XX/XX/XXXX, the date of the initial debt collection letter. 

The payment has been on auto pay since the initial payment XX/XX/XXXX. Supposedly 1 payment was missed and no 1 have over {$400.00} in late fees. I have not been contacted regarding late fees until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony/ Care Credit closed a card that could be used for medical or veterinary care. There was NO balance due on the card. It had been paid in full for many months. I kept the line/ card active so it could be used for a personal medical or veterinary emergency. 

I received a letter that said the account in good standing was CLOSED due to the risk I MAY default on it. 

The closure impacted my credit score because it was one of my oldest accounts that I paid by autopay.

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 2021-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I deposited a check in XXXX, the check had a hold on it for 20 business days. The check cleared and was released. XX/XX/XXXX chase restricted both my savings and checking accounts. Requested I supply more info. I complied and provided the legal documents. They refuse to unrestrict the accounts, due to a personal opinion and document that does not exist nor will exist, due to it is not required.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On DATE I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within days gives a reason to immediately remove those items from my credit report it had been over 45 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 cause me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On DATE I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within days gives a reason to immediately remove those items from my credit report it had been over 45 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 cause me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: CA

Complaint narrative:
I negotiated a settlement with XXXX XXXX  and I paid that settlement. I will attach the settlement letter and the copy of the money order to cover the settlement. And the receipt of the money order by XXXX XXXX. It appears under the name XXXX XXXX. It shows in XXXX  as paid with a zero balance. In XXXX  it is showing as paid with a zero balance. 
However, it is reported incorrectly in Experian. They have refused to update and zero the balance out.

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 2021-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Credit and Collection Service, Inc.
State: WI

Complaint narrative:
I have a debt in collections with Capital Credit. The original debt was filed under the XXXX XXXX XXXX. It is for an unpaid fulfillment of a prescription, which was ordered after my insurance plan expired. The original debt is for {$5300.00} ; but Capital Credit is trying to charge me {$6100.00}. I assume the difference in price is because of interest/fees, but as I understand it, the creditor has no right to charge me interest or fees unless there was a contract with the original business to which I owe the debt, which permits the charging of interest or fees. In this case, there wasn't. The prescription was ordered after my insurance policy had lapsed, and therefore if there were any language in the policy that permitted the accrual of interest or fees, it does not apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit reports.

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE THAT I AM NOT LIABLE TO. PLEASE HAVE THE NEGATIVE ITEM OFF MY CREDIT FILE.

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 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE THAT I AM NOT LIABLE TO. PLEASE HAVE THE NEGATIVE ITEM OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: Stuart-Lippman and Associates, Inc
State: FL

Complaint narrative:
In XXXX, I was an independent life insurance agent and appointed with XXXX XXXX XXXX XXXX XXXX in XXXX, TX. In XXXX of XXXX, I received commission from this company, assigned by another agent. In the second half of XXXX, XXXX XXXX notified me that I owed the commission back, however I was no longer independent and had moved on to being employed at new job. Since I didn't see the email they sent, I didn't address it and a couple of month later ( in XX/XX/XXXX ) they hired a law firm to collect the debt. I received letters from Stuart-Lippman & Associates, Inc.at my home and my work informing me they had been hired by the insurance co. I contacted XXXX XXXX but they would not speak to me stating that I had to speak with their attorney. I asked attorney XXXX XXXX to provide me proof of the debt. He sent a snippet of my agent contract & a commission statement, which did not validate the debt. I have disputed the debt and am still disputing it. 

Recently, the law firm reported their collection activity to XXXX. I disputed this with the credit bureau and after investigation, said they couldn't remove it because they had confirmed the debt. I don't believe it is fair to report this against me to credit bureaus for a number of reason 's related to my ongoing dispute. This doesn't fall under the scope of what should be reported to credit bureaus as I did not default on credit extended to me nor did I fail to pay for good/services received. I am asking that this be removed from my credit report based on it being something that should not be reported to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I requested a cashier 's check for $ XXXX on XX/XX/XXXX. 

BBVA 's bank, Simple, removed those funds from my account on XX/XX/XXXX. 

Simple can not find the check and will not cancel the check, which means I'm out $ XXXX. 

I spoke with Simple 's customer service today, on XX/XX/XXXX. They said that the problem was that XXXX has weather delays at the headquarters of their partner bank, BBVA. This is a verifiable lie ; XXXX publishes their service delays, and there are no delays in the area that Simple/BBVA is claiming.

Company response to consumer: Closed with explanation