vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Aqua Finance, Inc.
State: TN

Complaint narrative:
In XXXX of XXXX, I purchased a home water purification system from XXXX XXXX. The XXXX of the system was done through AquaFinance. 
On XX/XX/XXXX of XXXX, they called wanting payment. I explained to them i did not have the money due to financial hardship. I called XXXX XXXX right after I got off the phone with AquaFinance to see about having the system removed and was informed that i was stuck with it and, even if i had it removed, I was still responsible for the entire debt. In the months following, they have continued to call me as many as 3 times a day at all hours of the day ( many times in the late evening ), from numbers all over the country. I have explained to them that my wife is no longer working and they proceeded to call my mother and sister when i stopped answering their calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I am approved for a home equity loan in the amount of {$15000.00} with US Bank. We have the closing on the XXXX and received the closing disclosure this morning ( XX/XX/2019 ) - where I noticed that it states the " disbursement date '' is XX/XX/2019. I inquired about that and US Bank stated that is due to the TILA right to rescind. I promptly stated that I wish to waive my right to rescind because the funds are needed for an emergency to pay for a roof replacement on the home. US Bank responded back stating that they can not waive the right to rescind, it's bank policy. Which I then provided the link to the CFPB 's website stating that as a consumer, I have the right to waive the opportunity to rescind and ask that funds be made available immediately. They again refused. Therefore, I'm submitting a complaint that US Bank is not allowing customers to waive the right to rescind for a home equity loan in an emergency situation.

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 2019-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: MN

Complaint narrative:
A debt collect by the name of Credand Resource Management is on my credit report. I do not know this company nor have had the right to dispute.

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

Complaint narrative:
I contacted the police and FTC for assistance with this issue, now I'm contacting you all for your help as well. I'm looking to buy a new car in the next few months. So I had my credit report pulled just to see what I qualify for. Unfortunately, I discovered items on my report that are absolutely NOT MINE. Please remove these accounts listed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
INQUIRIES TOO : 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 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 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 2019-10-10 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: TN

Complaint narrative:
I contacted the police and FTC for assistance with this issue, now I'm contacting you all for your help as well. I'm looking to buy a new car in the next few months. So I had my credit report pulled just to see what I qualify for. Unfortunately, I discovered items on my report that are absolutely NOT MINE. Please remove these accounts listed. XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. 
INQUIRIES TOO : XXXX, XXXX IN, 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, 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 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 non-monetary relief
Consumer complaint received 2019-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: GA

Complaint narrative:
I opened my Discover credit card in XXXX of 2016 as a Secured Credit Card. Upon opening my card, Discover withdrew {$300.00} from me to hold as a secured payment and guaranteed me that my account would be re-evaluated after six months for me to receive my initial payment back. It has now been 3 years and 2 months and I have tried tirelessly to contact Discover and they will not give me my deposit back. They stated I would need to cancel the credit card to get the deposit back, but that would affect my credit report as it is the oldest card I have. This seems deceiving and I feel like Discover is using a deposit against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN ACCOUNT THAT WAS PLACED ON MY CREDIT THAT I HAVE NO KNOWLEDGE OF. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: ERC
State: LA

Complaint narrative:
On XX/XX/2019, I exercised my right and questioned the validity of a debt that Enhanced Recovery is reporting negatively on my credit bureau. I have obtained proof that Enhanced Recovery received my request on XX/XX/2019 at XXXX XXXX. I have attached both copies in my complaint. Today is XX/XX/2019, and Enhanced Recovery has not responded to my request for proper verification for debt. Enhanced Recovery had 30 calendar days to respond, from the date of receipt, and because they have not sent any verification are currently in violation of the FCRA. Due to Enhanced Recovery being in violation of the law, I am not insisting that they remove the negative information that they are currently reporting on my credit bureau immediately.

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

Complaint narrative:
I just checked my credit report, and Synchrony Bank took over my PayPal Credit account on XX/XX/2019. My first on time payment to them was for {$170.00}, made on XX/XX/2019, and came out of my bank account on XX/XX/XXXX. 

Prior to that, they WERE NOT the servicing company, and I did not have a relationship with Synchony Bank as part of PayPal Credit until XX/XX/2019. 

On my credit report, they are reporting data from both XXXX and XX/XX/2019, at which time, they did not service my account. In particular XX/XX/2019, shows I was 60 days late with them, which is false, as this was not their account at that time. 

I want the reporting to be corrected, showing that starting when they took over the account on XX/XX/2019, I have been current with them. The reporting from both XXXX and XX/XX/2019 is clearly false, and represents misinformation as the they were not the owners nor did they service said account. Reporting on prior information is clearly a violation.

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 2019-10-10 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: TX

Complaint narrative:
I filed to have my credit report reflect that my loans at XXXX XXXX XXXX XXXX XXXX were in fact paid off and not simply closed. After the Bank told me they could only show them as closed because that is only what the credit bureau allows. I contacted the credit bureau who told me it was up to the bank. After nothing happened, I filed with you to get the matter fixed. 
Now the credit bureau has dropped my credit scores more than 30 points for no true apparent reason in XXXX. I have always paid off my credit early. I opened a new account as I have in the past, but it never made my score drop more than 30 points. 
At this point I feel they are retaliating against me for reporting them to the feds. 
There is no true reason from my score to drop more than 30 points for an increase of {$350.00} credit for someone who brings home {$5000.00} a month. If this is the case, then the same amount of points should be returned once the line of credit is paid and this did not happen. 
I want something done about the retaliation to my reporting them to the feds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have been attempting to resolve an issue since XXXX with Lowes Credit Services managed by Syncrony Bank. Lowes Credit Services auto pay system erroneously double drafted my account on XXXX which prompted my bank to flag the payment and decline it. I submitted an inquiry to Lowes and made multiple phone calls immediately after receiving notification of the issue beginning on XXXX. I also, in good faith, submitted payment manually to Lowes while Lowes worked through the issue. I submitted a follow up response as my request to correct the issue was denied and my account was closed immediately without warning. After learning that Lowes closed my account and did not provide a plausible explanation, I submitted a follow up response on XXXX and provided multiple documents to provide evidence of my claim which included a letter from my banking institution. After supplying the evidence, On XXXX I received communication from Lowes that stated I would receive a response within 60 days. On XX/XX/19, I learned that my credit score dropped due to the negative reporting from Lowes. On XX/XX/19, I escalated the matter with Lowes and was advised by Lowes that I would receive a response within 7-14 days. To date, I have not received a response, my account remains closed and my credit report has not been corrected. I would employ the CFPB to investigate Lowes for unfair credit practices. Very much appreciate the assistance.

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 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-10-10 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: TX

Complaint narrative:
I have written to Equifax 3 times regarding this matter and they still have not corrected the problem and this issue is affecting my credit. I am in the process of refinancing my current auto loan and it is not being approved because of a past auto loan that was paid in full since XXXX, but showing open with Equifax. Equifax is currently reporting this account as open and with a monthly payment of {$380.00} which is not accurate. I don't know what else to do and I am very frustrated with this issue and need your help. I need Equifax to correct this issue as soon possible. I have attached copies that XXXX XXXX  provided showing the account has been closed with NO MONTHLY payment. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited into the ATM my payroll check from my employer on XX/XX/XXXX. I was told at the ATM that the funds would be available in 7 business days which was very strange as they never take that long. On Monday. XX/XX/XXXX the funds were not available, by Tuesday XXXX I contacted Chase Bank by telephone concerned about the unavailable funds. I was informed that there was a hold on the check due to a verification of issuance. That my employer could not be verified. I spoke with my manager regarding the issue and he reassured me that they can call and he will happily verify. When speaking to the agent they said that verbal confirmation needs to be done using the number listed for the company. She left the line to call the number but we didn't receive a call. Turned out, the number listed was incorrect. I then went into a branch to speak with a teller in person, the same day. Nothing was accomplished. The teller said the only verification was through the telephone number listed for the business. Even though i had explained that i did not know why it was wrong as i work in the building every day. I provided the correct number and nothing was done. Frustrated i left to speak with the accounting manager at my job. She had me call the bank directly and add her to the line. They explained to her the issue and she offered to provide many other forms of business verification. She said she can email the deed/title of ownership, our EIN, anything that would suffice. Chase was not accepting any of the forms and stated that the number had to match and that was the only way it could be released. I dropped it for the next few days hoping i could find another solution. Monday XXXX i addressed the issue again because i noticed the check was cleared in the bank but not available for use. My employer agreed to reissue the check until seeing this. Chase bank cleared the check but was holding the funds so that i was unable to have the check reissued. When i approached my employer she said she could not do so until they cancelled the check and took off the hold. I called chase bank, spoke with a supervisor and was told there was nothing they could do without a verification through a number that i had previously stated was incorrect and out of service. There was no meeting me halfway and no compromise. So now i am out of a check for almost 3 weeks and i have not found a common ground. Chase bank has closed my account and has kept the hold on the check making it unusable.

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

Complaint narrative:
I filed to have my credit report reflect that my loans at XXXX XXXX XXXX XXXX XXXX were in fact paid off and not simply closed. After the Bank told me they could only show them as closed because that is only what the credit bureau allows. I contacted the credit bureau who told me it was up to the bank. After nothing happened, I filed with you to get the matter fixed. 
Now the credit bureau has dropped my credit scores more than 30 points for no true apparent reason in XXXX. I have always paid off my credit early. I opened a new account as I have in the past, but it never made my score drop more than 30 points. 
At this point I feel they are retaliating against me for reporting them to the feds. 
There is no true reason from my score to drop more than 30 points for an increase of {$350.00} credit for someone who brings home {$5000.00} a month. If this is the case, then the same amount of points should be returned once the line of credit is paid and this did not happen. 
I want something done about the retaliation to my reporting them to the feds.

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 2019-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Office of Michael J. Scott, PC
State: VA

Complaint narrative:
There was a wage garnishment placed against me which was granted by the courts in XXXX County,  VA however no is able to provide me with a Notice of Service. I was not contacted about this matter, the address that is on the summons XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX which was provided to me by my employer is not my current address. I have not resided at the address on the summons in over 6 months. I did not know I had a court date nor did I know I had the opportunity to dispute this debt, my right was taken away from me. I am also the only one working in my household as my husband is currently battling XXXX XXXX and is unable to work. So this was a stressful shock and has/will effects us financially I am I the only one carrying the financial burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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:
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 non-monetary relief
Consumer complaint received 2019-10-10 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This is same case ..from the previous compliant against Wells Fargo Auto Finance , the case nbr is XXXX. I got payment reports and letter from Wells Fargo ... same company, this is unresolved. There is no signature of the agreement to the 8 % interest rate since the banker offered me to refinance my truck for 6 % interest rate. I will have to check e mail from him. I will try to dig through my old e mail to find his e mail on the 6 % agreement. It is NOT 8 % I am to pay so technically, my truck is paid off and there is overpayments. I also will have to go to my storage in Texas soon to get the copies of the papers I signed. Wells Fargo shows you the forms with NO SIGNATURE of mine. So theirs is invalid. 
This will be UNRESOLVED until I get the proofs. Wells Fargo is known to rip off a lot of XXXX including deaf people. On FB when I mentioned of the Wells Fargo bank, a lot of people replied their hatred toward Wells Fargo. I am not surprised. It happened to me now ... tsk tsk

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