vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
1. Used Synchrony Card to buy Furniture from XXXX XXXX 2.  XXXX XXXX issued {$1200.00} refund on XX/XX/2020 3. Called in customer service to request for check on XX/XX/XXXX 4. Asked to wait for 2-3 week to get refund 5. Called in again on XX/XX/XXXX. They have no idea, no request pending on issuance of refund. 
6. Customer Service hung up during the call on XX/XX/XXXX. 
7. Already called more than 5 times to understand the whole process during the process.

8. Called again talked to supervisor, bank asked 3-4 weeks of lead time again to start the process of refund.

9. They have been holding on to these funds and using it to lend money to other customers on high interest charges.

10. Clearly making profit on pending refund ( on negative balance ) while charging their customer hefty late fees when the payment is
one day late.

11. No laws to protect consumers, A bank can deliberately delay the payment received from a Merchant refund by mentioning technical difficulty while they make more money on borrowed money, while consumers have to pay within fixed time limit. 12 Do not have decency to correct their mistake by expediting the refund process as mentioned by manager. 12. Definitely an indication of financial regulatory violations and
degradation of civic decency in a society we live.

13. Took away productive time away from work which have created a constructive difference to quality of life and society as a whole.

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 2020-10-23 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: AL

Complaint narrative:
I have already told this company I never opened this account with them and its still in my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: AL

Complaint narrative:
I noticed incorrect information on my credit report which are inquiries XXXX- XX/XX/XXXX XXXX XXXXXXXXXXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX These are all incorrect and fraudulent

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 2020-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
Called 27 times from XXXX. No information provided through mail. Constant calls and voicemails all from spoof numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
I filed Bankupty back in XX/XX/XXXX. Cancelled the Bankupty in  XX/XX/XXXX. My car was included in the Bankupty. After the Bankupty was cancelled my car note company XXXX XXXX XXXX said I was behind on my payments. {$1200.00} dollars and they wanted it then. Well I paid it up in the next several months. Next I notices that even thought I was paying them, they were still report negative information to the credit XXXX. Furthermore I have being asking for monthly statements showing the payments I have made and when my next payment was due ; but time after time I have asked and no statements are being sent to me ; asking since XX/XX/XXXX. This account shows on my credit report as a charge off. This suppose to be why they cant send me statement, but I am suppose to keep paying them every month without a statement to remind me and the dollar amount thats due. I am a senior citizen with XXXX. This is very stressful! Theyre already charging me to much for this car

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fairway Independent Mortgage Corporation
State: IL

Complaint narrative:
I started calling about an error on my account with Fariway Independent Mortgage starting in XXXX of XXXX. I provided evidence that the escrow payment in XXXX included {$330.00} charge for interest resulting from the 1st tax installment, due in XXXX, was not paid until XXXX. This total paid in XXXX was {$330.00} over the total annual tax bill, due to the tax bill not being paid on time. 

I have called numerous times about this issue and was told a refund would be issued. They closed a ticket in early XXXX without resolution. We reopened a ticket, providing all of the evidence on XX/XX/XXXX. At that time we were told it would be resolved within 5 business days. After 6 days I called and they asked for more time. I replied that I wanted to speak with someone who could explain the problem. At that time they told me I would received a call within 24 hours. That window has passed and I have not yet received a call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-23 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I have tried to correct this problem with CITIBANK in regards to a fradulent account that is still on my report. I have contacted them multiple to timesto have this removed. I have filed a police report in the city that i am located in. I dont know why im being held liable for a crime that i did not commit.

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 2020-10-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent numerous dispute letters to TransUnion regarding inaccurate and erroneous items on my credit report with no response from them. My last dispute letter dated XXXX has gone unanswered and it has been well over 45 days. My disputes are obviously being ignored and possibly thrown away!!!! Section 611 ( a ) ( 1 ) states that a failure to investigate these items within 30 days mean these items should be removed from my credit report immediately. It's been over 45 days so the items should be deleted immediately. I'm very frustrated, disappointed, and stressed because of this problem. I demand that these items be removed from my credit report immediately or I will have to file for litigation due to the stress this has caused me and these blatant violations. My information was impacted by the XXXX  data breach and may be compromised

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 2020-10-23 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: IN

Complaint narrative:
How come everyone recognizes my complaint as a repeat, nobody recognizes they never answered my question. What is truly amazing is nobody at cfpb recognized that TransUnion response is a form letter. Here we go again. OK so lets start out again this is a repeat probably 1015 times over. Trans Union keeps telling me I need to go to XXXX XXXX. I keep telling TransUnion I did go to XXXX XXXX. Trans Union keeps stating that all they do is report was given to them. Yet the last time I called Trans Union they claim that a report was never given to them stating that I was delinquent. Yet Trans Union did show me delinquent. And again to re-iterate XXXX XXXX  has given me documents showing that they never showed me as delinquent. So again I ask why did Trans Union report me as delinquent with no such report or information was ever given to Trans Union. So lets repeat everything Trans Union keeps telling me to go to XXXX XXXX. I have multiple times. Trans Union keeps claiming that all they do is report was given to them. Yet they refuse to give up a copy of this so-called report. Why will not Trans Union give me a copy of what they claim they have. Yet when I called Trans Union they claim they didnt have it. Trans Union cant tell me why they showed me as delinquent all of them as a guess someone screwed up at TransUnion. What happened at TransUnion is my question. Again I have gone to XXXX XXXX  many times so stop telling me I need to contact XXXX XXXX. Nobody ever reported to Trans Union that I was delinquent. Yet Trans Union showed me as delinquent. Why Again, TransUnion told me they have no report from XXXX XXXX. Yet TransUnion showed me delinquent with XXXX. TransUnion doesnt read my complaint. 

TransUnion never received a report showing me delinquent, yet TransUnion showed me delinquent. Why? Answer the wuedtion

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 2020-10-23 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: DISCOVER BANK
State: TX

Complaint narrative:
This was done the year of 2018, I had opened several credit cards. Lets start with the one from discover, it was meant for school purposes. but I needed to use it when I went on a trip for an emergency. little did I know a few charges where pending for school causing my card to be maxed out when I checked and thought I was in the clear. However, the card was still able to process beyond the amount that was on the card and the company hand blamed me. when the card should of been denied when being used, however it was not. so the amount exceed far greater the amount I could spend on the card. 

The other two card are from XXXX XXXX, this one was the shocking because I had entered my banking information to pay it automatically. but when the information was entered it said I violated my policy closing both my accounts. however, the violation was that I did not enter the correct Information from my bank, that is what I was told of this violation. Which made not sense to me. 

The other card I had was premier one card and that card was closed because I made to many payments in a month which made no sense to me. because I thought that is exactly what you are suppose to do for a credit card. However, they wanted more information from me through fax and which I did but never did because it was closed. 

The other card I Had was bank one. I made a payment and then they closed my account without my acknowledgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
i have closed my wells fargo checking and saving account on XX/XX/2020 then i got letter on XX/XX/2020 from XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, GA XXXX ( XXXX ) XXXX it said you have bounce check check # XXXX date post on XX/XX/2020 and said please paid {$5.00} amount and also bounce fee is {$30.00} make check to XXXX  amount {$35.00} I never wrote check so i wen to XXXX XXXX police dept file police report as i have police cases number # XXXX I got call from XXXX  said if you dont pay we will freeze all your account i feel they theat me i keep tell them XXXX   XXXX  in XXXX XXXX closed down store 5 year ago

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 2020-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
XXXX, and their debt collection agency, Southwest Credit, are attempting to collect a debt that I do not owe. 
In XXXX of 2019 I moved from XXXX XXXX XXXX, XXXX, PA to a new address of XXXX XXXX XXXX, XXXX, PA. I called XXXX and notified them that I was moving and that they were to discontinue service at the old address and start it at my new address. 
Over a year later, I received a letter from a collection agency, Southwest Credit. They advised that XXXX was owed {$790.00} for service at my former address. The time period for the service charges were for the period of time after I had moved. There were no outstanding charges to XXXX at the time of my move. I notified both XXXX  and Southwest Credit that I do not owe the debt and XXXX  and/or Southwest Credit have continued to call me. I have also provided them with a statement signed by both myself and the current residence of XXXX XXXX XXXX attesting to the foregoing facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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 — Problem with personal statement of dispute
Company: National Credit Systems,Inc.
State: WA

Complaint narrative:
They have given false documention of a apartment complex XXXX XXXX the company national credit system is falsey reporting a differnt amount of XXXX dollars to c all credit bureus and i seek to have them investigated this has made me and my childeren XXXX   and has inpacted my life because of outstanding balance I have uploaded court documents my question is how is this legal and how can they keep doing these and can they change amount now that i made a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax has incorrect information listed on a closed loan stating it was an auto loan. It was not an auto loan but a medical loan. I have disputed this twice. Both times they have refused to correct the issue and lowered my credit score approximately XXXX points each time. This can only be explained and seems to be for no other reason other than retaliatory for making the disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
RE : File No. XXXX I am filing this complaint because Transunion has ignored my request to be provided with the documents that their company has on file that was used to verify the accounts I disputed. Being that it has been 60+ days, far beyond the 30 days permissible by law and they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have made a request of them to investigate. Please resolve this matter as soon as possible. Thank you.

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 2020-10-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: MN

Complaint narrative:
United Wholesale Mortgage is withholding {$9100.00} in escrow annually, but my property taxes and homeowner 's insurance only total {$6400.00}. They will not lower the monthly escrow payment and they will not allow me to pay tax and insurance on my own. XX/XX/2020 they made a random tax payment of XXXX with no explanation. They made the most recent property tax payment over two months late, and only after I asked them to make the payment multiple times. They only respond with form letters that don't answer any of my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one has never notified me of my right to dispute the validity of this alleged debt pursuant to 15 usc 1692g, and they also never disclosed to me that they were a debt collect nor that their communications were an attempt to collect a debt pursuant to 15 usc 1692e. ( 11 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: AL

Complaint narrative:
I have already told this company I never opened this account with them and its still in my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: AL

Complaint narrative:
I have already told this company I never opened this account with them and its still in my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Dear CFPB, I have and amazon store card ( account # XXXX XXXX by Synchrony bank for years and never missed a payment. The card was in good standing until yesterday, the bank cited some credit bureau reason and closed my account. If they decide not to do business with me, it is ok. But they closed my account right after amazon XXXX  XXXX, in which I made a lot of purchases and accumulated ~ {$1000.00} worth reward points. They told me the points will be forfeited per their terms. Please investigate this matter and see if this bank is just deceiving customers and stealing their money. Their terms are not reasonable and not fair.

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 2020-10-23 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: NY

Complaint narrative:
To Whom It May Concern, The reason for my dispute is : 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, was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, 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 failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) 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 failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where is in compliance with OHIO LAW. I also have report this 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 account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2020-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
ERC continuously keeps putting identity theft account on my credit and causing me hardships. I have sent police reports several times and they keep replacing the debt on all three bureaus.

Company response to consumer: Closed with explanation