vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-23 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: FL

Complaint narrative:
XXXX  and XXXX  in XXXX XXXX does not show I recently made settlement payment {$290.00} on XX/XX/19. On my Syncb/ amazon account with XXXX. The XXXX   acct # XXXX making payment remarks of charged off/ bad debt were made. There is no payment status date last reported XXXX. 
Contact info on this is SYNCB/ AMAZON XXXX XXXX XXXX XXXX XXXX. / XXXX Im trying very hard to fix my credit please remove if at all possible. Please update to current

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 2019-09-23 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: AL

Complaint narrative:
On numerous occasions I have sent my social security card and drivers license to all three CRA 's and old address still re-appear. I have informed them to please remove all other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.

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 2019-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On numerous occasions I have sent my social security card and drivers license to all three CRA 's and old address still re-appear. I have informed them to please remove all other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.

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 2019-09-23 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On numerous occasions I have sent my social security card and drivers license to all three CRA 's and old address still re-appear. I have informed them to please remove all other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX and XXXX in XXXX XXXX does not show I recently made settlement payment {$290.00} on XX/XX/19. On my XXXX XXXX account with MCM. The MCM   acct # XXXX making payment remarks of charged off/ bad debt were made. There is no payment status date last reported XXXX. 
Contact info on this is XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX. / XXXX Im trying very hard to fix my credit please remove if at all possible. Please update to current

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: LA

Complaint narrative:
On XX/XX/XXXX, I disputed JEFFERSON CAPITAL SYSTEM in the amout of {$11000.00} and XXXX XXXX XXXX is the Original creditor. As a result they listed the date that I disputed the account as the day the account was opened. In order for them to keep this on my ports for the next seven years or more. 


JEFFERSON CAPITAL SYSTEM Last reported XX/XX/XXXX {$11000.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 1 yrs, 10 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
( SYNCB/BP  DC ) XX/XX/2019 XXXX, FL XXXX I arrived to a BP gas station in XXXX NY where I saw a advertisement on the pump saying " Receive 25 cents off per gallon. '' I went inside the store and asked the cashier for details on the card. All the representative said was " sign up '' handing me a pamphlet. I followed the details provided in it. A month later I received a hard Inquiry. I wanted the rewards. I was unaware that this was based off approval. 

I would truly appreciate help on this concerning matter as I am a lifetime customer at the gas station. 

Its my favorite gas.

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 2019-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
In XXXX of 2013, I was required to have two emergency medical procedures. The medical office offered me " XXXX XXXX XXXX '' which maintained no interest rate and five years to pay off the balance. At no point of time, the name of credit card was mentioned, disclosure paperwork was provided or any kind of application was provided. The total charged to the " XXXX XXXX XXXX '' was approximately {$13000.00}. I subsequently paid a total of {$32000.00} to the credit card only to call and find out that the credit card fraudulently charge my account an exuberant interest rate and still claimed to have a balance of approximately {$19000.00}. 

I allege the following : a ) The debt was acquired under false pretense and through fraudulent methods b ) No proper disclosures and information was provided at the time the debt was acquired c ) Subsequently, an unreasonable and exuberant interest rate was charged d ) The debt of {$13000.00} was paid off by electronic transfers in the amount of {$32000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
On XX/XX/2018 my dwelling sustained damage that is currently questionable whether the dwelling is a total loss. My Fire department, my insurance company, my mortgage company are all issues due to the lack of information and an insurance company/adjuster who, in my opinion, has taken many actions that lack reason or truth. The biggest concern is violations in accessing my mortgage account, transactions done without my knowledge or consent, that have left the mortgage unpaid and serviced and the insurance adjuster unwilling to track the payments made that were never received by the mortgage company despite the check wire transfer deposited into a law firm trust account without the endorsement of the mortgage company , the public adjuster or myself. The original check paid toward the loss exceeded the amount owed. The original check was never made known to me by the adjuster of the insurance company and I was denied access to the funds or ability to pay the loss and has placed a burden upon myself that due to the belligerence of the insurance companies has resulted default on credit cards, multiple late charges and forcing me to pay a mortgage that should have been paid and attacks and illegal activity to myself and ability to handle my health issues, safety, security, credit, credit accounts, ability to pay bills. Furthermore, it has led to 3 wrongful attempts of " recovery '' to my property, 9 transactions to my mortgage account without my knowledge or consent that took considerable funds after paid, despite my asking for fraud alert, and lockdown of that account. It has also denied my ability to sell the property and I feel threatened and my rights denied and mortgage company has failed to recover my funds that were taken after a payoff request made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
On XX/XX/XXXX, I disputed XXXX XXXX XXXX in the amout of {$11000.00} and XXXX EXETER FINANCE is the Original creditor. As a result they listed the date that I disputed the account as the day the account was opened. In order for them to keep this on my ports for the next seven years or more. 


XXXX XXXX XXXX Last reported XX/XX/XXXX {$11000.00} Open balance XXXX EXETER FINANCE Original creditor XXXX  Opened XX/XX/XXXX ( 1 yrs, 10 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX EXETER FINANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: Radius Global Solutions LLC
State: VA

Complaint narrative:
Medical provider failed to bill insurance company and has shared my medical records with bill collector in violation of the hipaa. The balance due is not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I had opened a dispute with the company because of an item I received defective, I opened a dispute with American Express. I provided to them all the detail on the damaged goods and the tracking number to return the item back to the seller and they still couldn't resolve the dispute in my favor. For some XXXX reason, I have no ideas why my case would be denied. 

Inquiry number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: VA

Complaint narrative:
Medical provider failed to bill insurance company and has shared my medical records with bill collector in violation of the hipaa. The balance due is not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: MOHELA
State: VA

Complaint narrative:
The students loan amount is not correct information. Over {$5000.00} was discharge in a bankruptcy case. The amount is incorrect and was discharge in 2013 and the amount was consolidated in a loan with XXXX  and pass on to mohelda

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: Suburban Credit Corporation
State: VA

Complaint narrative:
Medical records shared without my permission. Provider refuse to bill federal and state government regarding treatment. See attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: NC

Complaint narrative:
On XX/XX/XXXX, I submitted verifiable documents to Equifax showing the company by the name of XXXX XXXX was included in my bankruptcy petition confirming plan on XX/XX/XXXX ; which the first dispute is in the file you maintain under my social security number. I attempted to contact them directly to requested that they cease and desist any and all collection activities knowingly of bankruptcy law ; including reporting of this account on my credit reports. 
I was informed between XX/XX/XXXX and XX/XX/XXXX, that the account status closed and the account was resolved by data furnisher. Also, an Equifax credit file confirmation # XXXX Now, I have discovered that the item has been reinserted on my credit report again, as of XX/XX/XXXX, with account status as open and seven ( 7 ) consecutively missed payments appearing on my Equifax credit report. This has made a tremendous impact on my score. Again, I will attach verifiable documents and have the right to take legal action due to : 2. Their reporting is INACCURATE and with INCONSISTENCY. They reported my last payment as of XX/XX/XXXX ; yet, reported ( 7 ) missed payments starting XX/XX/XXXX. INACCURATE CALCULATION. Due to the fact, IF my last payment was XX/XX/XXXX up to todays date XX/XX/XXXX ; it will be 14 missed payments starting from XX/XX/XXXX. INACCURATE AND INCONSISTENT. 

XXXX XXXX is/has reported inaccurate information and Equifax did not properly investigate from the last documentation that was sent. An account included in bankruptcy can not be reopened or any account activity reported direct to credit reports outside bankruptcy laws. 
Equifax, in accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days ( B ) Requirements relating to reinsertion of previously deleted and closed material ( ii ) Notice to consumer If any information that has been hereby deleted or closed from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for the purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I cancelled my gym membership with XXXX XXXX. 
On or about XX/XX/XXXX, I received a debt collections notice from First Credit Services, dated XX/XX/XXXX. 

First Credit Services was immediately contacted and requested debt validation as granted per the FairDebtCollection Practices Act. In addition, this request was also submitted in writing on XX/XX/XXXX. First Credit Services was obligated to respond within 30 days failed to respond to the written request knowing they were obligated to respond to the debt validation request within the statutory time limit ; however, they failed to respond. 

On XX/XX/XXXX a follow-up letter was sent to First Credit Services, requesting debt validation as per the Fair Debt Collection Practices Act, and reminded that they are required to respond to my request for validation within 30 days of receipt ; however, they did not respond.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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:
After looking through my credit Ive found someone has gotten a hold of my credit information and have attempted to use my name and 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 2019-09-23 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:
After looking through my credit Ive found someone has gotten a hold of my credit information and have attempted to use my name and 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 2019-09-23 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:
After looking through my credit Ive found someone has gotten a hold of my credit information and have attempted to use my name and credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: CA

Complaint narrative:
On XXXX, 2019 i used my NetSpend prepaid debit card to purchase a cell phone from XXXX wireless in the amount of {$53.00} that was taken out of my NetSpend account the same day but the following day the order was cancelled due to the fact that the cell phone was not in stock. I contacted XXXX and advised them that I have not received any refund and was advised by a supervisor at XXXX to file a dispute with my bank or card co. I then called NetSpend and filled a dispute. On XXXX XXXX, 2019 I was informed by sprint byway of email that the refund was approved and was sent back to NetSpend. On XXXX XXXX, 2019. Today is XXXX XXXX, 2019 and the money is not credited back to my account nor made available for me yet. The Policy at NetSpend for refunds is that any money refunded would Post to the account and made available within 3 to 5 days after receiving the refund. NetSpend has advised me that the money will not be available to me until XXXX XXXX 2019 completely against the policy and procedure written by NetSpend.

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 2019-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went to Bank of America branch on XX/XX/XXXX advising them I was closing the account. I left half an hour later with it done. I received a call today, XX/XX/XXXX that one of the checks Ive authorized bounced and they are redepositing it. I log onto BofA online and shocked to see - {$1800.00} ... 
Not only did BofA not close my account they keep accepting payments, then returning them, the accepting the same payments over and over again. This is unacceptable. BofA is racking up insufficient funds charges galore. 
I closed the account so how is it still accumulating all these charges?

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 monetary relief
Consumer complaint received 2019-09-23 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: MoneyLion Inc.
State: FL

Complaint narrative:
On numerous attempts Ive tried emailing and calling money lion to update my banking information so that I dont have a late payment on my report however it was not done and I have 2 late payments on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XXXX is claiming that I made a purchase on XX/XX/19 of {$990.00} XXXX is claiming that I made a purchase on XX/XX/19 of {$990.00} I have disputed this with them several times and provide proof that this transaction was fraud but they refuse to correct they state that merchant sent them proof that I signed but when I show them proof that I did not sign they base there decision on there opinion instead of following law.

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 2019-09-23 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: FL

Complaint narrative:
On numerous occasions Ive contacted XXXX and Equifax about Hard inquiries on my report that are fraudulent. I stated that it was identity theft and I did not authorize it nor had knowledge of the information on my report. I sent in Identity Theft report along with copies of my Id and SS card as they told me to and still nothing has been fixed for me.

Company response to consumer: Closed with non-monetary relief