vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: FL

Complaint narrative:
After having a substantial relationship with  Iberia Ban k, I got a notice they have decided to close my account and gave me no reason whatsoever. I had  one issue  with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.

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 2017-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
After having a substantial relationship with Bank of America, I got a notice they have decided to close my account and gave me no reason whatsoever. I had  one is sue with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency.     My credit card was closed and shows negative on my credit. I was never late and shows that it was late and paid off. I paid balance upon getting notice it was closed.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.

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 2017-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Synovus Bank
State: FL

Complaint narrative:
After having a substantial relationship with   XXXX   XXXX    XXXX  , I got a notice they have decided to close my account and gave me no reason whatsoever. I had  one issue  with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
After having a substantial relationship with  TD Bank, I got a notice they have decided to close my account and gave me no reason whatsoever. I had one issue with a wire transfer which was refuse d and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: AES/PHEAA
State: FL

Complaint narrative:
FEDLOAN  continues to report to credit agencies I was late  in 2015.   My loans should have been in deferment as i was in school and the months that followed.     Since I have paid a substantial amount of the loans off and pay every month. They have told me they were removing the late payments from my past but never have. I have also reported this to credit agencies yet they are not able to correct either.     My record should not show any late payments as i have perfect credit.     If this does not work, I am going to find an attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: TX

Complaint narrative:
In   XXXX   XXXX  , I was notified by employer that a credit screening would be conducted and  may affect  my employment. Based on the result they received on  XX/XX/XXXX  I was told that my position was at risk and that I needed to explain certain items on my credit report. This is when I was told that I had been sued and the judgment was entered on  XX/XX/XXXX . I was not aware of who was suing me until I contacted  GE Capital Retail b ank who notified me that my debt was sold to  XXXX   XXXX . When I contacted  XXXX   XXXX  I was told that they 'd taken legal action. The total debit for the collection account was {$3000.00} and the legal item was {$2900.00}. At this time I ended into payment arrangement with them because I was given less tha n 1 w eek to show proof of payment arrangements and proof of first payments made to my employer. I agreed to and initial payment of {$250.00} on  XX/XX/XXXX ,  2 rec urring payments of {$250.00} beginning   XXXX  , 15 monthly payments of {$150.00} beginning   XXXX   and a final payment of {$87.00} on  XX/XX/XXXX . At the time, my job was at risk however I was notified the following week that the credit screening would discontinue but at this time I was in a payment arrangement and I no time to do any research. I received a letter dated  XX/XX/XXXX  stating that the judgment against me would be place in forbearance and the legal action would discontinue contingent upon me paying as agreed. As a need for a new vehicle has come in to place, repairing my credit has become vital   XXXX   stated to look into the judgement against me. I contacted the court on   XXXX   XXXX   XXXX   and that was when I was told for the first time that a default judgment was entered against me. After further research I realized that this could only happen if i failed to respond to service of legal action but I did not recall being served. On   XXXX   XXXX   XXXX   I made another call to the court to find out when and how I was served. The clerk stated that an affidavit was submitted stating that I was served in person on   XXXX   at and old apartment and that I signed for it. I moved away from the address that they claim I was served at    XXXX   XXXX    and would have be at work at the time of service, so it just was n't possible that I could have been served. In the state of Texas there is a timeframe in which the court must receive response to a default judgment and I am now far out of that timeframe because I was never notified. This creditor has submitted completely false information to the court. Now I have the original creditor, the 3rd party, and the civil judgment reporting on my credit reports and the amounts are different.

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 2017-05-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I used a  Carecredit ( Syncrony Bank )  to pay for some medical expenses -- including  XXXX   Work. I o wed  Syncrony B ank {$1900.00}. At the end of   XXXX    2017, I sold  my house and decided to payoff the  CareCredit card  account. When I sent the payment from my bank  (   XXXX   ) with  the computer, I paid on   XXXX   XXXX  and  XXXX  . I accidentally made  2  payments of the same amount. A couple days later I recognized it and contacted  Syncrony bank .   They would be " happy '' to send a refund. They did. The only problem was the refund was for {$1000.00}, no t!  XXXX .  When I complained, they were showing " No outstanding credits ''. I waited a while to see if they were going to correct it. Apparently they are not.       XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX   , Texas  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 2017-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  continues to report to credit agencies I was l ate in 2015.   My loans should have been in deferment as i was in school and the months that followed.     Since I have paid a substantial amount of the loans off and pay every month. They have told me they were removing the late payments from my past but never have. I have also reported this to credit agencies yet they are not able to correct either.     My record should not show any late payments as i have perfect credit.     If this does not work, I am going to find an attorney

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 2017-05-04 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: Conn's, Inc.
State: TX

Complaint narrative:
I have disputed an item from conns credit several times. The amount showing owed is {$1000.00} which has been on my credit now for 9 years. I called  XXXX  and asked why this has not been removed when I have sent in multiple request and they told me they have to contact the consumer. I advised him by law this type of account should have been deleted at 7 years and by law  XXXX  should delete it. The rep basically this me he will not delete it period. I also advise him that it is on my credit   XXXX   under   XXXX   and for them to remove these accounts had are reporting incorrectly. The rep was not helpful at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On   XXXX -17    I s ubmitted a complaint which notified TransUnion that I had disputed the e rroneous collection on my credit report pertaining to   XXXX   XXXX   the original creditor. I stated that a complaint was made thru CFPB challenging the validity of the debt.   XXXX   XXXX   failed to respond within the 30 days permitted by federal regulation. Even tho TranUnion affirmed this fact they failed to delete the item from my credit report. I have included new information that increases TransUnion 's burden to act. The collection agency   XXXX   XXXX   responded to the same complaint and with an affirmation to delete the collection from my credit report.  Reference  CFPB #   XXXX   TranUnion must ensure this unfair and damaging error is immediately and permanently removed from my credit 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 2017-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Bank repeatedly contacted me over {$25.00} of debt from an  Old Navy  credit card that I believed I paid off. They would call non-stop. The first call would start at  XXXX  when I get off work. When I would speak to the representatives from  XXXX , the calls would always get disconnected. I would try and call the numbers back, but it would not go through. The representatives never called back after being disconnected. They had incorrect information like the wrong address which they would not update for me. I would request a bill, my request was repeatedly ignored. So they would just call and harass me and hang up, not allowing me to pay this debt. Once I paid the debt, the company opened up a new card in my name and sent it to me at the correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: GA

Complaint narrative:
I mailed a Multiple Inquiry Removal Letter and Public Record Letter on   XXXX   XXXX    2017 by ce rtified mail in order to dispute information, in regards to  XXXX  hard inquiries and public record, that was being reported on my credit report. They received the letter on   XXXX   XXXX    2017 a nd they completed the request on   XXXX   XXXX    2017. T he request that I submitted included  XXXX  Hard Inquiries and public record that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, F CRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),   it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the FCRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries and public record on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries and public record that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a 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 2017-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed an item from   XXXX   credit several times. The amount showing owed is {$1000.00} which has been on my credit now fo r 9 years.  I called   XXXX   and asked why this has not been removed when I have sent in multiple request and they told me they have to contact the consumer. I advised him by law this type of account should have been deleted at 7 years and by law  XXXX  should delete it. The rep basically this me he will not delete it period. I also advise him that it is on my credit   XXXX   under  XXXX  and for them to remove these accounts had are reporting incorrectly. The rep was not helpful at all.

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 2017-05-04 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: CA

Complaint narrative:
There are fraudulent accounts appear in my report, please investigate them :  XXXX  -  XXXX    XXXX   XXXX   XXXX   -  XXXX    XXXX   XXXX   -  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 non-monetary relief
Consumer complaint received 2017-05-04 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: MN

Complaint narrative:
Hi, So in  XXXX  we applied with   XXXX   XXXX   XXXX   for  a Business   Cre dit Card we Authorized them to do a Hard Inquiry on   X/X/   17. Then realizing this product did not waive Foreign Transaction Fees we   reached out to them to possibly do a product change to a  Travel c ard which does waive these fees. They stated it would require another  Hard Inquiry w hich reluctantly we agreed to on    XX/XX/XXXX /17 .  Other than these  2 oc casions I did not make any other authorizations do to a  Hard Inquiry on  my credit report either on       XX/XX/XXXX /17 or  XX/XX/XXXX /17.  Today I just got a notification from  XXXX  that there was new activity so I logged in and saw a new Inquiry I have n't called    XXXX   XXXX   XXXX    or spoken to any of their representatives at all today or even this week. Then I went on Transunion 's site to dispute it and noticed another pull from   XXXX   from   XXXX   XXXX   XXXX  . This is crazy,  XXXX  inquires in not even 4 months from them. I tried to dispute it with Transunion because I did not authorize them for a  Hard Inquiry, o r even a soft  Inquiry for  that matter, but they would n't let me. I contacted  XXXX  they told me to file a CFPB complaint against Transunion so that 's what I 'm doing.

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 2017-05-04 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: CA

Complaint narrative:
There are fraudulent accounts appear in my report, please investigate them :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  -  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: CA

Complaint narrative:
There are fraudulent accounts appear in my report, please investigate them :   XXXX   XXXX     XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 non-monetary relief
Consumer complaint received 2017-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My intended recipient didnt receive my money ( {$2000.00} ) on  XXXX   XXXX ,  2016, I  requested Bank of America  ( " Bo fA '' ) to provide me an official document or the transfer history through online banking which can show me where my money was transferred to, but they didnt and no any respond to me by now.   The information about this transaction from the bank statement and online banking transfer history I can get by now only included the transaction date, my intended recipients name and the amount ( Please refer to the attachment ). But, since my intended recipient didnt receive the money, the information what I got did n't show me exactly where my money was transferred to on  XXXX   XXXX ,    2016.

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 2017-05-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I had started a mortgage modification .... I was told they will give me a relief program what I was not aware of at the end of the year I would have to pay double plus the payment and my balance of loan went higher .... I ask  Select Portfolio why the y gave me this loan .... they said ok we will help you now they gave me a interest only loan and said if I do not take it they will foreclose my home ... .. I wanted to appeal and they told me if I did this they would not accept my next payment ... .. This is why I am trying to save my home and if the balance of my loan keeps increasing I will never be able to save my home .... I have  XXXX  children and my family close to me who help me take my children to school while I work .... Please I have sent a letter to our  Congressman   XXXX   XXXX  for assistance .... I have complied with every request from SPS and now my loan is worse and higher ... .. Please help me save my home I also have sent a letter to  U.S Treasury Dept.  Please help me.     Sincerely,  XXXX   XXXX

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