vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-28 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/2020, I submitted a dispute to XXXX  to an item in my credit report. The item is a revolving credit account with Syncb/Belk of XXXX FL. This account is reflected on my credit report although I did not open the account. On XX/XX/2020, XXXX  resolved this dispute by providing a statement from Syncb/Belk indicating I was an authorized user. Neither XXXX  nor Syncb/Belk provided any documentation reflecting my agreement to this authorized user status, nor did they provide any documentation showing what charges were made by the " authorized user ''. At this time I am requesting those documents. If it can show I neither authorized this user status or no charges were made by me ( authorized user ), this should be removed from my credit report and my name removed from that Syncb/Belk account. 

Since I am not the primary member on the Syncb/Belk account, the situation could not be discussed with me. 

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 non-monetary relief
Consumer complaint received 2020-09-28 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: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
I entered a contract with USAuto Sales on XX/XX/2016. The car was totaled XXXX. I took the proper steps to notify all uncooked parties. Finally on XX/XX/2016 XXXX XXXX emailed me the Service Contact Cancellation, which I returned. Prior to this I'd spoken to XXXX and XXXX as well as XXXX to resolve this matter, to which no resolve was EVER gained. I have tirelessly attempted to resolve this matter since that time. Provided numerous emails, documents and calls to render a resolution. As of recently, I have contacted XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX most of which also promised a resolve also.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Recovery Systems, Ltd
State: SC

Complaint narrative:
Received calls for past three weeks starting XX/XX/XXXX from Nationwide Recover systems. First contact I verified information and asked to send me letter so I can validate debt. They continued to call but never received letter they said would send out. Today XX/XX/XXXX received 2 calls. First collector to call was ok but explained that I never received verification of debt from the company. I explained that will not pay until the company has sent me the documentation, as I clearly and repeated DO NOT CALL ME until they can verify was sent. I ask him to put me on companies internal do not call list. The collector then acknowledge a politely ended call. About 39 minutes later get 2nd call from same company same number to collect on debt. After 5 minutes of speaking collector terminated call. At this point it is harassment and they refuse to send information requested and are in violation of the DNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: FL

Complaint narrative:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX IN RESPONSE TO CFPB COMPLAINT WITH TU : XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX DPEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX you say i am basically too stupid to come up with this letter and instead of doing a proper invesitigation you claim that im using a credit repair company. please be aware my next option will be certified mail with time stamp and lawsuit. please do a proper investigaiton into these accounts that do not belong to me instead of my letters being too smart for me to come up with. thanks

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 2020-09-28 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:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF EDUC XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX DPEDXXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX you say i am basically too stupid to come up with this letter and instead of doing a proper invesitigation you claim that im using a credit repair company. please be aware my next option will be certified mail with time stamp and lawsuit. please do a proper investigaiton into these accounts that do not belong to me instead of my letters being too smart for me to come up with. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
Nissan Finance is reporting false information to the credit agencies. There have been several attempts to correct this information but Nissan Finance will not provide the correct information.

An account with Nissan was included in a chapter XXXX. However, no payments were ever missed on this account, that includes prior to and during the chapter XXXX. I paid the account outside of the bankruptcy and paid it off in full, early, with no late payments. I hold the title to the car. However, according to the credit agencies, Nissan has reported Delinquent payments. This is 100 % false reporting, as stated above no late payments ever occurred.

During these difficult Covid Times, I am trying to refinance my mortgage to help me through. Nissan is holding this back. I'm not saying Nissan isn't correct in saying that this account was included in Bankruptcy, I am saying that their reporting of delinquent payments are wrong and must be corrected. This account is scheduled to fall off the report in XX/XX/2021, but during these times, I just can't wait that long. This would help me out tremendously. 

As can be seen in the attached, this is one of 3 accounts falsely reporting. XXXX XXXX has fixed theirs and that should be showing as paid in full with no delinquencies soon. The other is an account that will also be reported to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: DC

Complaint narrative:
Hi I have concerns with my checking act. issues by XXXX ( Chime ) There seem to be an issue with ledger balance, mathematically it does not add uo. 
I also have issues with indvidual access my acct. The allege has access to my personal information. I also believe that this an effort of several to fraud lending institutions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: DISCOVER BANK
State: MA

Complaint narrative:
Discover is reporting false information to the credit agencies. There have been several attempts to correct this information but Discover will not provide the correct information. An account with Discover was included in a chapter XXXX. However, no payments were ever missed on this account up to the Chapter XXXX, and once that began Discover received a payment settlement from the courts. However, according to the credit agencies, Discover has reported Delinquent payments. This is 100 % false reporting, as stated above no late payments ever occurred. During these difficult Covid Times, I am trying to refinance my mortgage to help me through. Discover is holding this back. I'm not saying Discover isn't correct in saying that this account was included in Bankruptcy, I am saying that their reporting of delinquent payments are wrong and must be corrected. This account is scheduled to fall off the report in XX/XX/2021, but during these times, I just can't wait that long. This would help me out tremendously. As can be seen in the attached, this is one of 3 accounts falsely reporting. XXXX XXXX has fixed theirs and that should be showing as paid in full with no delinquencies soon. The other is an account that will also be reported to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
They collected money from me, end they reported on my credits report every moth. My bankruptcy was XX/XX/XXXX chapter XXXX in XXXX XXXX XXXX florida all account for my ex husband was included and my accounts because we was married and joint most account this a punt was closet and reopen on XX/XX/XXXX with XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
ON XX/XX/20 MY DEBIT CARD WAS CHARGED {$63.00} FROM PAYPAL FOR SOMETHING THAT I NEVER ORDERED OR RECEIVED. XXXX GOT MY COMPLAINT SENT IT TO PAYPAL I RECEIVED A CALL FROM PAYPAL ON XX/XX/20 A PERSON NAMED XXXX EMPLOYEE NUMBER XXXX HE TOLD ME MY CHECKING ACCOUNT ENDING WITH XXXX WOULD BE REIMBURSED WITHIN TWO WEEKS. NOW IT IS XX/XX/20 I HAVE NEVER BEEN REIMBURSED. I REPORTED IT TO THE XXXX  THEY CLOSED THE CASE NUMBER XXXX. I ALSO COMPLAINED TOBUSINESS XXXX XXXX THEY INVESTIGATED MY COMPLAINT AND CLOSED THAT COMPLAINT WHEN I SPOKE TO THEM THEY TOLD ME TO MAKE A COMPLAINT WITH YOU. THE END RESULT I WANT PAYPAL TO REMIBURSE MY {$63.00} I HOPE YOU CAN SOLVE THIS PROBLEM. THANKING YOU IN ADVANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Accurate Background
State: PA

Complaint narrative:
On XX/XX/XXXX I received an email from Accurate Background regarding a pre employment background check that was to go back 7 years. Upon opening the report I discovered that information was included for something that is older than 7 years. Specifically, the date in my records as well as the date provided by Accurate Background is XX/XX/XXXX. The date of the report is XX/XX/XXXX. A dispute email was sent on XX/XX/XXXX to XXXX pointing out the error. On XX/XX/XXXX I called to follow up on the email. I was told that the disputes department wasnt available and the incorrect information had already been provided to XXXX, my perspective employer. The representative asked for my phone number and while I was getting that, she hung up on me presumably in response to my complaints that they have provided inaccurate information that exceeded the 7 year period I agreed to and have now cost me a job after ignoring my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I started the process from a loan processor for a fha loan with no out of pocket expenses.. He said thats the only loan i can get. Somehow i was lured away by another loan officer who ran my credit and filled out an application for me. He lied on the application. I was told I had to pay {$650.00} for an appraisal which I paid. After the appraisal the loan officer said he made a mistake and i do not qualify for a conventional loan however I would not be refunded for the appraisal. This appraisal should have never been ordered by the loan officer. The refinance option was a result of my asking for forebearance. Since then I had to pay forebearance plan thus never gaining any relief or refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
We have had a mortgage from PenFed Credit Union for several years. We requested and have been getting monthly paper bills since the beginning of the loan about eight years ago. We did not receive a paper bill for the current monthly payment due. I have spent hours and sent numerous emails to PenFed to get the monthly bill which contains data important to my record-keeping. ( Data such as the amount of principal and interest with each payment because sometimes I want to make extra principal payments ). 

I've gotten no response to any attempts at contact. When I managed to get through on one call, the rep transferred the call to a voice mail where for hours you can listen to elevator music and a sales pitch.

This has been going on for about three weeks. 

Fearing that our XXXX payment due would be outstanding, I went online and used my wife 's debit card to pay the monthly total ( based on the previous bill ). This was a week ago but still the amount due shows the same amount. 

We have no idea what's going on there but it has to be chaos. I've been waiting on hold with PenFed for more than an hour even as I write this. Part of the problem stems from their " new '' interface which is really bad and actually doesn't work. Go online with it an you'll see. The information we need is lacking. With regard to our own mortgage, it still shows the same amount owed in spite of the fact that we paid with a credit card. The messaging/contact links do not work. No one comes to the phone. No one sends messages back. If you were here, you would know I'm not exaggerating. It's  almost criminal whatever they have going on. I'm furious. I'm not a crank. We pay our bills. I can provide full and detailed information upon request. 

I hope you can help resolve this mess.

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 2020-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/2020 I Paid of {$10000.00} balance on my off. at Bankofamerica. which left with a excess of {$310.00} credit Bankof America was to transfer {$310.00} into my checking account. They said at that time 3 days. After that I checked my Bankofamerica checking account and it was not in my account. I called my credit card company on XX/XX/2020 they charged me interest of {$40.00} on purchases then charged me {$59.00} on cash advances. This card was paid off in full on XX/XX/2020 and they said they have 5 more busnis days because there might be residual interest. 
They refuse to refund the money or transfer the {$310.00} I need the money to pay my bills. 
XXXX XXXX My email is XXXX, phone number is 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 monetary relief
Consumer complaint received 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX and I have had a credit card for 4 years. TransUnion and XXXX  do not provide me with my credit report or credit score. I called both TransUnion and XXXX  several times and they refuse to help me. I even mailed in dispute to each of the companies. 

My credit card company sends my credit history to these credit bureau every month, on the XXXX of the month. Yet I never receive my report or a score. 

When I ran a credit check, I got the following errors. 

1 ) Transunion error : " Record not found '' 2 ) XXXX error : " Invalid Spouse name '' and " The bureau data supplied doe not match borrower 's information '' TransUnion said that my first name is too short and so I need to hire a credit repair service. 

XXXX  said I do not have a credit file. 

If I have no credit history, my report should have said " Insufficient data '' instead. It's like my social security number is not registered with TransUnion and XXXX  ; and they are not even trying to investigate the issues. 

Why are these bureaus being to reluctant to help a consumer?

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 2020-09-28 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: VANDERBILT MORTGAGE & FINANCE, INC
State: VA

Complaint narrative:
Im XXXX XXXX, Vanderbilt  mortgage company in XXXX TN, XXXX is reporting a mortgage to my XXXX  credit when do no not have a mortgage with them! Ive disputed it several times and was never resolved. This problem has been going on for 12 years and its effecting me financially! The mortgage is my fathers who has the same name as I. Ive contacted Vanderbilt dozens of times but still no action has been taken!

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 2020-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020 I made a {$60.00} purchase via XXXX XXXX. The {$60.00} XXXX XXXX   charge cleared XX/XX/2020 per Capital One and XXXX XXXX. I was expecting a {$60.00} refund from Costco. XX/XX/2020 I checked my account and I had an available balance of {$0.00}, the Costco refund had not yet hit my account from where I could see. XX/XX/2020 I see the {$60.00} credit from Costco hit my account and I now had a available balance of {$0.00}. Capital One held my {$60.00} refund and stated it was for the {$60.00} XXXX XXXX  that cleared on XX/XX/2020 and my account is less {$0.00} with no explanation. According to my Capital One Statement I have one paid {$60.00} XXXX XXXX and 1 pending {$60.00} XXXX XXXX, but they are the same. According to my XXXX XXXX, it only shows the {$60.00} that completed on XX/XX/2020. I called and spoke to XXXX as well as a Supervisor to get this cleared up as the {$60.00} was needed. Capital One refused to help me despite me informing them of my hardship this incident has created. My children and I are stranded away from home and unable to buy food as a direct result of this incident. I was looking forward to the {$60.00} that Capital One stole from me to repair my vehicle and buy food for my kids. My children and I are stranded away from home and without food because Capital One refused to remove the hold for a transaction that had already completed. Now my children and I are faced with an even bigger hardship during COVID-19.

Company response to consumer: Closed with explanation