vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-23 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/XXXX, I'd opened a PayPal Mastercard account ( Syncrony Bank ) and added both my mother and father to the account as additional cardholders with their own personal Social Security Numbers. After finding out within a month or two opening the account, my account information was being reported directly to their personal credit reporting files and a call was placed to Syncrony Bank to remove them from my account. 

I was assured that letters would be sent to all three credit reporting agencies ( XXXX, XXXX and XXXX ). 

Almost 1.5 years later, due to a slight overage of this {$300.00} limit account ( a {$300.00} balance ), a credit monitoring alert was sent to my father this morning ( XX/XX/XXXX ) from a status report made on XX/XX/XXXX via XXXX. 

After several dozen calls and multiple hours of my time, I'd contacted Syncrony Bank ONCE AGAIN to do the process all over as well as send some type of correspondence as such, which they say they will. 

I'd then gone through the process with contacting XXXX and once I'd reached a live operator ( due to supposed 'technical difficulties ' on their website ), I had to formally dispute and add a comment as such.

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 2019-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I just recently found out there was a lien on my home from a line of credit that was and should have been cleared after my refinancing of my home. I refinanced my home with XXXX XXXX XXXX   around XXXX to XX/XX/XXXX. I received a line of credit from XXXX XXXX for {$25000.00} soon afterwards. My property now shows the same lien filed in XX/XX/XXXX by XXXX. 
XXXX XXXX filed for bankruptcy in XXXX and was bought out by XXXX XXXX in XXXX. I did a refinance with Countrywide Mortgage around XXXX or XX/XX/XXXX. Countrywide of course was purchased before this date by Bank of America. ( enclosed copy of doc. going to Countrywide from XXXX XXXX ) This is strange because XXXX XXXX was out of business in XXXX. I have not been able to find the refinance documents. Bank of America has denied that I was ever with Countrywide or XXXX XXXX. BOA shows a loan modification XXXX XXXX and a refi on the date. If a lien existed at the time of closing it should have been cleared. Now BOA has sold the loan to XXXX XXXX XXXX. The new companies title company claims there is no liens on property which is not true. The lien has been cleared but it still shows and the title companies at each closing claims it is clear. It seems BOA wants to claim it owned the mortgage before any of the liens were applied XXXX to get around their responsibility of making sure the liens were cleared at closings. I have requested documents from BOA without any success.

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 2019-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: VA

Complaint narrative:
I have sent Hunter Warfiield two certified letters on separate occasions asking them to verify the debt owed. They sent back a print out that did not include the last payment that I made, my signature or the signature from the original debtor. When asked to verify Hunter Warfield told me " no, the print out is enough ''. I have sent them another certified letter ( this makes three letters that have been sent out via certified mail to Hunter Warfield ) requesting that they remove this account from my report since it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: EQUIFAX, INC.
State: MT

Complaint narrative:
I recently reviewed my credit reports and became aware that XXXX reported late payments that I don't recall ever being late. I have had this card since XXXX and it has always been in good standings. The following are the dates that XXXX are reporting late payments that are having a direct impact on my credit score & credit worthiness. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I have requested XXXX proof that the alleged late payments are correct and as of this date XXXX has been unable to provide me the information I'm requesting. 

On XX/XX/XXXX EQUIFAX responded to my complaint on the CFPB portal stating they will not provide an answer because the believe it was a credit repair company talking on my behalf. 

I AM NOT A CREDIT REPAIR COMPANY OR IS ANY CREDIT REPAIR COMPANY REPRESENTING ME REGARDING THIS MATTER. I FILED THIS COMPLAINT ON MY OWN WITH THE HELP OR GUIDANCE OF NO ONE. TAKE THIS AS MY FORMAL WARNING TO YOU. IF EQUIFAX CANT PROVIDE PHYSICAL PROOF OF AN INVESTIGATION TO ME REGARDING MY COMPLAINT, THE NAME & PHONE NUMBER OF THE INDIVIDUAL EQUIFAX SPOKE TO AT XXXX TO CONFIRM THE ACCURACY OF THE REPORTING, & DATE/TIME I WILL FILE A LAWSUIT VERSUS EQUIFAX IN SMALL CLAIMS COURT FOR THE DENIAL OF MY RIGHTS &  FAILURE TO COMPLY WITH THE FAIR CREDIT REPORTING ACT. 

Cc : XXXX County Court House - Civil Division

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
I am in bankrupty. The vehicle I financed was turned back into the loan company. The loan company continues to call me 16 to 20 times per day. When I start they hang up. They have called family and friends to harass them as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: TOYOTA MOTOR CREDIT CORPORATION
State: CT

Complaint narrative:
Leased a XXXX XXXX XXXX from Toyota Motor Credit Corporation. The care was in an accident on XX/XX/19 and subsequently declared a total loss by XXXX. XXXX paid Toyota in XX/XX/2019 for the loss and I had made the XX/XX/2019 payment just in case there was a lag in the insurance payoff. At the time of the XXXX payoff my account was not delinquent and should have been close at that time. The account has not been closed as of today XX/XX/19, I am owed {$3300.00} dollars that Toyota has not remitted and they have reported me as thirty and sixty days delinquent. I have spent several weeks trying to resolve this with Toyota financial to no avail and I now need help from their regulator.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: NY

Complaint narrative:
My complaint is regarding the handling of my loans for the Public Service Loan Forgiveness ( PSLF ) program through FedLoan. Since my loans were transferred to them over a year and a half ago, I was told that I would be receiving information regarding a count of how many previous payments made through my old servicer ( XXXX ) would qualify for forgiveness. I have yet to hear from them regarding this count and have reached out to them on 4 separate occasions requesting an update. I have even reached out to their ombudsman group to follow up and have yet to hear anything. They have filed and completed my paperwork for IBR several times, especially when my income changes ( which increases my payment amount - and this is always done on time and quickly ). I'm not sure why it should take over a year and a half for them to give me an update regarding which of my previous payments count. This is halting my financial planning and affecting my daily budgeting. I have qualified my employment from the start of these payments ( dating back to 2012 ) but thus far, only have seen a count for 8 payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have a " Care Credit '' account with Synchrony Bank. In XX/XX/XXXX, Synchrony Bank converted the account to " Paperless Billing. '' Unlike all other financial institutions, apparently Synchrony Bank allows access to only twelve months of statements, rather than five to seven years of statements. 

On XX/XX/2019, I contacted Synchrony via " chat '' and spoke to a representative " XXXX '' who assured me that my back statements would be furnished within 24-48 hours. These statement were not, in fact, available until nine days later, on XX/XX/2019. 

It is my opinion that Synchrony Bank unfairly pushes " paperless billing '' and does not act in a responsible manner to be able to generate back statements in a timely manner in instances of loss of these " paperless statements '' that they general instead.

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 2019-10-23 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: Atlantic Union Bankshares, Inc.
State: GA

Complaint narrative:
XX/XX/2017 ATLANTIC UNION BANK XXXX XXXX XXXX XXXX XXXX FKA UNION BANK & TRUST XXXX, VA XXXX XXXX This company accessed a HARD INQUIRY on my credit report ( S ) and was NOT authorized to do so. The company refuses to remove the inquiry and it has caused undue hardship and added negative effects to my ability to maintain my credit score. This company attempted to take me to court for an action that was not mine and was over ten years old, and this company did not succeed in the attempt per the state of Virginias legal services. Please help me have this removed and compensated for the damage caused.

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 2019-10-23 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: FL

Complaint narrative:
An account that is incorrect is reporting on my credit report XXXX XXXX XXXX****

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: EQUIFAX, INC.
State: KS

Complaint narrative:
Equifax continues to keep updated my account with Collections that are showing a XX/XX/XXXX balance or a collection that has already been reported. Everytime they do this my credit score is affected and decreases. They just reported a collection that was already reported on XXXX XXXX XXXX again on XX/XX/XXXX. This caused my credit score to drop 33 points I contacted the collection agency XXXX XXXX XXXX and they claim they have sent nothing to Equifax. Equifax also added 3 other collection accounts to my credit report 3 weeks ago which caused my score to drop 66 points. I contacted all 3 collection agencies and they all replied that I have a XXXX balance and they did not contact Equifax. Equifax refuses to remove these negative items from my credit report causing jeopardy to my new mortgage application. I have tried contacting them by phone and email. The one time they did answer they instructed me that I had to put base a credit report from them to discuss the negative information they reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2019, I wrote to Capital One, requesting closure of my 360 account, which I no longer use. I received no response, and my account remained open. So I sent Capital One an electronic message through its online messaging function. Still no reply, and my account remained open. So I faxed Capital One at the customer service fax number displayed on its website : XXXX. 

My account remains open against my wishes and specific instructions. This appears an attempt to continue counting me as a banking customer and extracting fees against my wishes. I anticipate getting hit with account maintenance fees for lack of maintaining a minimum balance or direct deposit. Contacting the CFPB and law enforcement is my last resort to get Capital One 's attention on my requested account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Each bureau reports that I was late on a different date remove from inaccuracy.

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 2019-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: WI

Complaint narrative:
I applied for a checking account with Huntington Bank ( " Huntington 5 Checking '' ) on XX/XX/2019. At the time they were running a promotion in which new customers would receive a {$200.00} sign-up bonus for making cumulative deposits of {$1000.00} within 60 days of opening. 

I read the terms of service carefully, and saw that residents of my state ( Wisconsin ) were eligible for the bonus. Unbeknownst to me, Huntington was in the process of exiting the Wisconsin market, and indeed my local Huntington branch was taken over by another bank. I called Huntington Bank 's main customer service line on XX/XX/2019 ( XXXX Central, call length 7m 16s ) to confirm that I would still be eligible for the bonus. At this time, " Wisconsin '' had been removed from the website as an eligible state, but the customer service representative assured me that because it was listed when I applied, I am eligible for the bonus. 

When my bonus did not post as expected, I reached out to Huntington Bank and had several e-mails and calls exchanged with XXXX XXXX ( XXXX ). She submitted a claim on my behalf for the bonus, which was ultimately denied because I live in Wisconsin ( I received this information on XX/XX/2019 via e-mail, and we spoke via phone ). 

I feel that Huntington bank lied to me in two ways : 1 ) Wisconsin was listed as an eligible state for the bonus when I applied for my checking account, and 2 ) When following up on XXXX, I was assured that my account was still eligible for the bonus. 

XXXX informed me that she would submit a ticket to make sure the customer service representative did not continue to give out false information, but that my bonus claim would still be denied even though I was lied to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
An exorbitant late fee was assessed on my Victoria Secret newly opened credit card. They claim that the payment was received late when it was mailed well in advance. They refuse to take the charge off the account because I want to close the account. I told them they will need to both take the charge off and close the account. I believe what they are doing is offering a discount at point of purchase and then earning it back by charging a late fee on the account on the first payment. 

They claim that they are the same as other Comenity Bank credit cards. Other store credit cards with Comenity make the bill easy to pay electronically and put the account number on the bill. The account number is missing from the Victoria Secret bill and they charge a late charge of {$30.00} that appears to be non negotiable. I have not even received my credit card yet! Customer service also has a tendency to put the customer on hold and then hang up on the customer. It all appears to be a bit shady. I want to report it because I seriously think they are bordering on fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have tried to utilize their debt assistance program and they refuse to acknowledge nor contact me back when they claim they will help me during a financial hardship. This has led me to multiple attempts to reach them and find out the status of my hardship approval, with no ability to receive an answer. This has caused me to become delinquent on my credit reports and account and I am unable to now fix the issue and clear what they did wrong. This could have been avoided if they had allowed me the ability to utilize their hardship program or even if they advised I was denied- yet they would not respond at ALL ; even 3 months later ( which I am now 4-5 months delinquent and I dont have the ability to pay them as they demand ). 
I am seeing this as a repeated issue that is being reported to the proper financial authorities but I have yet to see a response or resolution. 

Please help me with NFCU and their false advertising of their hardship programs and financial assistance! They have ruined my credit now!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: FL

Complaint narrative:
Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX**** XXXX XXXX XXXX** XXXX   XXXX**** XXXX  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 explanation
Consumer complaint received 2019-10-23 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: NV

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: NV

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-23 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: NV

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-23 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX is reporting a balance for my XXXX XXXX that I should not owe. I paid this off a year ago and it is still reporting as a collection with a balance. I need this removed as it is paid off and it is affecting my credit.

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 2019-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX is reporting a balance for my XXXX XXXX that I should not owe. I paid this off a year ago and it is still reporting as a collection with a balance. I need this removed as it is paid off and it is affecting my credit.

Company response to consumer: Closed with non-monetary relief