vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I have a TJX Rewards Credit Card with XXXX XXXX. I am preparing to refinance my house and wanted to improve my credit score ( credit score was XXXX ) so I decided to pay off all my store credit cards in XXXX. Unfortunately after making a payment ( {$250.00} ) to pay off the above mentioned account someone fraudulently accessessed my Paypal account and made several charges using my bank debit card. This caused several payments to be returned. I contacted Synchrony baby and explained what was going on and made payment that did process and paid account off in full. 
On XX/XX/XXXX I received a letter dated XX/XX/2018 from Synchrony bank stating my TJX account was closed due to the number of dishonored payments on the account. I immediately called and spoke to several customer service reps till I finally spoke to a supervisor named XXXX. I was told that if my Bank sent a fax stating that the returned payments were not non sufficient funds my account would be reinstated. I was given the fax number to the finance department. On XX/XX/2018 my bank manager sent a fax stating the returned payments werent not my fault because of the fraudulent activity on my bank account. On XX/XX/2018 I called to follow up with my account. My credit score has dropped to XXXX! Synchrony Bank adviced me that they recognize that the returned payments were not my responsibility or fault but will not be reinstating my account even after I did what they asked. So basically I am being double victimized. I was trying to improve my credit score an now its been decreased by over 70 points at no fault of my own. I could have made a minimum payment on my TJX card. I didnt need to pay {$250.00}. This doesnt seem legal. I didnt do anything wrong to have my account closed.

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 2018-08-15 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: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
I have had several disputes with XXXX XXXX XXXX and they will admit to the errors and correct them and then they put the false late payments back on my credit report several months later. This has been an ongoing problem, I have 2 complaints that were filed with the CFPB to resolve this issue XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. Both complaints they admitted the payments were in fact not late and corrected them and now once again the same payments are again being reported as late. The payments that are being reflected as late are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX the same months that were previously corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have had several disputes with XXXX XXXX XXXX and they will admit to the errors and correct them and then they put the false late payments back on my credit report several months later. This has been an ongoing problem, I have 2 complaints that were filed with the CFPB to resolve this issue XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. Both complaints they admitted the payments were in fact not late and corrected them and now once again the same payments are again being reported as late. The payments that are being reflected as late are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX the same months that were previously corrected.

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 2018-08-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have had several disputes with XXXX XXXX XXXX and they will admit to the errors and correct them and then they put the false late payments back on my credit report several months later. This has been an ongoing problem, I have 2 complaints that were filed with the CFPB to resolve this issue XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. Both complaints they admitted the payments were in fact not late and corrected them and now once again the same payments are again being reported as late. The payments that are being reflected as late are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX the same months that were previously corrected.

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 2018-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have have repeatedly requested Portfolio Recovery Assc to provide documents to prove the amount they are reporting on my credit report. They have failed to do so within the 30 day period required by law since this request in XX/XX/XXXX. 

I dispute the facts of this acccount- I do not owe the amount listed on this account. 

Portfolio is reporting a balance with out any records that show how they calculated the debt they claim is owed. XXXX XXXX XXXX does not have any accounting records that prove this debt. In XX/XX/XXXX they provided a monthly statement for XX/XX/XXXX with a ending balance of {$54.00}. XXXX XXXX XXXX  charged off the account of XX/XX/XXXX but neither XXXX XXXX XXXX   or Portfolio Recovery Assc can provide any accounting for the account from this XX/XX/XXXX Statement and the date Portfolio purchased this account XX/XX/XXXX Portfolio continues to state they purchased the debt from XXXX XXXX XXXX but has no accounting of what they have purchased. The have not provided proper debt validation and are in violation of the Fair Debt Collections Act. They are using Harrasement ( 806 ) and Unfair Collections Practices ( 808 ) to keep reporting this information to all 3 Credit Bureaus. Nothing they have provided has showed accounting of the balance they claim owed Portfolio Recovery ASSC recently reported to all 3 Credit Bureaus that I owe this debt when I disputed this XX/XX/XXXX. This is fraud. I have enclosed a copy of the documents of the statement that Portfolio Recovery reported to the government agency Consumer Financial Protection Bureau. They have reported to this agency that they have no documents that show this amount in their records

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a letter and tried calling about getting these inquiries off my report that i did not authorize and i get the same response " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' but when i contact the creditor they tell me to contact transunion i just want these inquiries removed According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. 

the inquiries i dont recognize are below along with the dates i would like them removed XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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 2018-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I cancel my warrant with the dealer I which I was told that over a {$1000.00} dollars would be applied back to Capital One Auto in which I never received nothing showing by Capital One Bank of the credit and should have been mailed back a check by Capital One. It seems Capital One does not mail out any proof to show where the money went.My next issue with capital one auto is last month my payoff balance was XXXX in XXXX my XXXX statement shows a payoff of {$19000.00} it seems it never goes down and when I call there is no clear answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CHOICE CAPITAL FUND
State: FL

Complaint narrative:
I believe that the loan I have with this company is illegal in the State of Florida and may be considered predatory lending. The original amount financed is {$1200.00}. APR is 647.79 % with a total finance charge of {$6000.00} over the life of the loan. Semi monthly payments of {$360.00} began on XX/XX/XXXX. Most recent payment made was XX/XX/XXXX and the last payment is scheduled for XX/XX/XXXX. Payments are being debited from my XXXX XXXX checking account via ACH. I would like to know if I am within my legal rights to rescind my authorization for ACH debits and to place a stop-payment with XXXX XXXX. If I do this, can The LoanSmith legally still collect in Florida since they are governed by a Tribal Lending Authority in  another state. Loan agreement is attached.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have have repeatedly requested XXXX XXXX XXXX to provide documents to prove the amount they are reporting on my credit report. They have failed to do so within the 30 day period required by law since this request in XX/XX/XXXX. 

I dispute the facts of this acccount- I do not owe the amount listed on this account. 

XXXX is reporting a balance with out any records that show how they calculated the debt they claim is owed. XXXX XXXX XXXX does not have any accounting records that prove this debt. In XX/XX/XXXX they provided a monthly statement for XX/XX/XXXX with a ending balance of {$54.00}. Capital One bank charged off the account of XX/XX/XXXX but neither Capital One Bank or Portfolio Recovery Assc can provide any accounting for the account from this XX/XX/XXXX Statement and the date Portfolio purchased this account XX/XX/XXXX Portfolio continues to state they purchased the debt from Captial One Bank but has no accounting of what they have purchased. The have not provided proper debt validation and are in violation of the Fair Debt Collections Act. They are using Harrasement ( 806 ) and Unfair Collections Practices ( 808 ) to keep reporting this information to all 3 Credit Bureaus. Nothing they have provided has showed accounting of the balance they claim owed XXXX XXXX XXXX recently reported to all 3 Credit Bureaus that I owe this debt when I disputed this XX/XX/XXXX. This is fraud. I have enclosed a copy of the documents of the statement that XXXX XXXX reported to the government agency Consumer Financial Protection Bureau. They have reported to this agency that they have no documents that show this amount in their records

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Perfection Collection
State: NY

Complaint narrative:
In 2015 a salesman from XXXX talked me into getting an alarm system. 
He gave me a price and I accepted, but XXXX kept raising my bill, also the house is rented and my landlord rejected it. Another factor is I'm XXXX years old and XXXX XXXX XXXX  for XXXX  XXXX ... It turned out I had to stay at a VA hospital and wasn't home ... I called XXXX and begged to be released from the contract.Within 2 weeks they removed the equipment and I thought it was over. Next thing I know they referred the account to Perfection Collection and kept charging me monthly until the account rose higher and higher..I never received any letter of resolution from Perfection, the only way I found it was that my excellent credit took a serious hit..I keep getting refused for credit because of this collection company..It shows up bad everytime ... I need to erase this black mark as soon as possible..It is unfair, I was taken advantage of by XXXX because I suffer XXXX XXXX and didn't know for sure what the terms were. Can you please help me?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: KY

Complaint narrative:
XXXX  is working through True Accord to collect a debt, they claim amounts to {$610.00}.

I did previously have an account there from XX/XX/XXXX-XX/XX/XXXX.

I have previous statements from that time.

I spoke with local bank tellers multiple times.

The bank did refund some overdraft fees at first.

Then they would not allow me to close the account.

My paypal account was ACH linked, and continued to post ACH withdrawals when there was no money in the account. Resulting in more than {$1100.00} in overdraft fees that year.

The {$610.00} they claim I owe them, was paid in overdraft fees via direct deposit that year, until I eventually switched banks and changed my direct deposit to that account.

I believe the amount I owe is around {$120.00}. I am will to pay this amount, I am not willing to overpay once again in absurd amounts of overdraft fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Hi, we are fighting with the former Sallie Mae now Navient.The 2 loans in question should have never been approved due to the fact one my husband is XXXX and getting XXXX and un able to work.Second the loan paper application was forged with his signature.the dates are XX/XX/XXXX and XX/XX/XXXX.We did contact the XXXX XXXX XXXX around XX/XX/XXXX.Sallie Mae wanted my husband to go for identity theft after we contacted the XXXX  because or daughter signed her dads name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2018, I lost an item/code for {$2500.00}, after the money was deposited, i transferred the item to the buyer. Couple days later, I see that my account is frozen and has a negative balance of - {$880000.00}. I received no call, no email, no text from Bank of America regarding why my account was on hold. After i call, they said that the buyer is claiming that the {$2500.00} was an unauthorized transaction from his account and that a fraud investigation will be underway and will take 7-10 days to complete. I called multiple times after that for any information and to have the - {$880000.00} removed so i can pay my bills. After days of calls and agents, it was finally removed. I did not receive any information on the investigation until XX/XX/XXXX. which is over the 10 days and they sided with the buyer and agreed that it was unauthorized and fraud and i had the {$2500.00} withdrew from my account. If the investigation proved to be fraudulent why am i not protected? Why am i the one being punished if their investigation showed an unauthorized transaction?

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 2018-08-15 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I logged into my account on XX/XX/2018, and received a notification that my account was closed. 

I received a letter in the mail on XX/XX/2018. Here is what it states : -- -- Dear " Customer Name '' : Wells Fargo regularly reviews its customer relationships in connection with its responsibilities to oversee and manage risk in its banking operations. After carefully reviewing the risk related to your account, we must advise you that your account is being closed immediately and no additional transactions will be permitted. 

This decision is final and can not be changed. Wells Fargo 's risk evaluation processes are proprietary and can not be shared. 

Sincerely, XXXX XXXX XXXX, XXXX. 

-- - With all accounts being paid in full each month and only utilizing one percent or less of my total credit card limit, this risk evaluation does not make sense. The Wells Fargo credit card I used had a {$0.00} balance. I was even told by a representative that the account was going to collections. How can an account go to collections with a {$0.00} balance? A bank should be able to tell its customer a specific reason on why the account was closed.

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 2018-08-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
My wife and I visited Mattress Firm on XXXX XXXX in XXXX, MO on Saturday XX/XX/2018. The salesman told us about their financing options and offered to check if we qualified. He told us he would do a soft credit check and it wouldn't affect our credit. I agreed and said there would be no harm in it if it won't affect my credit. We proceeded with the check and we were approved. I told them we would think about our options and would return in a few hours if we were interested. The following Monday I received an email from XXXX  that a new account had been opened in my name. My wife called the store and they told her that was just part of their process. I called Synchrony who administrates the credit card and they verified that a new account had indeed been opened. I asked them to close the account and they did. I returned to the store two weeks later on XX/XX/XXXX with my new card in hand to ask them about it. They again insisted that they had done nothing wrong and that was just the way their system works. When they check if someone qualifies for credit a new account is automatically opened. I never authorized them to open an account for me, and I never signed an application. A hard inquiry and anew account now shows up on my credit report. I don't know that this will significantly affect my credit score, but that is not the point. At the worst this was fraud. At the least it was misleading.

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 2018-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
Enquired about a loan on XX/XX/18 with XXXX XXXX. We were comparing loan quotes for myself and my significant other at the time, now husband. We were unmarried at the time of my discussion with the loan officer and I was told that we could not both be on the loan even though it was my intent to apply jointly. I was told that if he wanted to contribute to the down payment we could complete a gift letter and put him on the title, however, he could not be added to the mortgage.

Still to this day I am receiving calls and texts from Quicken Loans. I have asked not to be contacted any more several times now. I had to respond to Quicken Loans texts with " STOP '' on three different occasions which was supposed to stop them from texting me, however, it continued.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A.
State: KY

Complaint narrative:
PNC is working through XXXX XXXX to collect a debt, they claim amounts to {$610.00}.

I did previously have an account there from XX/XX/XXXX-XX/XX/XXXX.

I have previous statements from that time.

I spoke with local bank tellers multiple times.

The bank did refund some overdraft fees at first.

Then they would not allow me to close the account.

My paypal account was ACH linked, and continued to post ACH withdrawals when there was no money in the account. Resulting in more than {$1100.00} in overdraft fees that year.

The {$610.00} they claim I owe them, was paid in overdraft fees via direct deposit that year, until I eventually switched banks and changed my direct deposit to that account.

I believe the amount I owe is around {$120.00}. I am will to pay this amount, I am not willing to overpay once again in absurd amounts of overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: IA

Complaint narrative:
SCRA request made XX/XX/18 to XXXX that included my request, a copy of the service members XXXX, our address and name. I received a letter dtd XX/XX/18 again requesting a copy of the XXXX. I again emailed them to the company. I do not feel our request is being timely fulfilled. There has been no resolution to date.

Company response to consumer: Closed with explanation