vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-13 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: C/C Financial
State: GA

Complaint narrative:
On XX/XX/2020 I filed several disputes with XXXX  using the online disputes portal. On of those disputes included an account known as XXXX  XXXX XXXX which was reporting as a charge-off/ collections account. In my dispute I provided XXXX  a letter which stated that XXXX  XXXX XXXX account was paid in full and the account was closed. My dispute was a request to correct my Merchants Account. On XX/XX/2020, I received an email from the XXXX  XXXX Department which stated that based on the documents I submitted with my dispute # XXXX, an XXXX   Dispute Specialist modified the account information. When I logged into my XXXX  account I observed that my XXXX XXXX  XXXX account payment status was updated as now paying/ was a charge-off and I had multiple months of missed payments added to my payment history. I contacted XXXX XXXX  XXXX who informed me that they were never contacted about my account, my account was never in a charge-off status, and the only late payment was XX/XX/2020 which was a 30 days past due. XXXX XXXX  told me to contact XXXX  to have it correct was they could not change anything they didnt update. When I reviewed my credit report I observed that the Merchant Preferred Lease account was never updated and that the document I submitted for that account was applied to XXXX XXXX   XXXX account. Because of this error my credit was impacted and now I am having difficulty getting it corrected both accounts corrected. Furthermore XXXX  is initiating disputes that I did not request.

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 2020-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I've been saving up to buy a new home. I've noticed some errors on my report that is hurting my credit score can you please remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I got an email from XXXX XXXX stating that I had a new Hard Inquiry from SYNCB National Credit Cards / Airlines and that if I wanted to dispute it the best way was to submit a complaint through you  guys. I did not authorize this Hard Inquiry and do not know who SYNC B is. I have not applied for any forms of credit or authorized anyone to run my credit recently. I looked up the company online and have seen numerous other complaints about a " Fake company '' Called SYNCB national credit cards / airlines appearing on other peoples XXXX XXXX accounts as hard inquiries, so I am going through you. Any help would be greatly appreciated.

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 2020-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Shermeta Law Group, PLLC
State: MI

Complaint narrative:
I received a Garnishment Disclosure and Notice of Income Tax Refund Used for Debts form the Department of Treasury both on XX/XX/2020. Both are dated XX/XX/2020. As pursuant to the Covid-19 relief act no wage garnishments are to be made. How do I go about protecting my rights? 
This is for a 20 year old debt and they are taking my Michigan tax return.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: OH

Complaint narrative:
discover bank has not responded to my certified letter and they are continuing to report this fraud account to my credit report which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: WI

Complaint narrative:
On XX/XX/2018, my wife suffered a XXXX XXXX XXXX in her XXXX XXXX  in XXXX, TX. We called XXXX given our XXXX  to safely XXXX XXXX The first responders were the volunteer local XXXX team, and they assisted in moving her from the back of the house into an ambulance. Shortly thereafter, the paramedic team from the town of XXXX, approximately 30 minutes away, arrived. It was their assessment that she had a likely leg fracture requiring XXXX  consultation, and they informed me that no XXXX   consultation was available at the hospital. This confirmed what our family in the local area had indicated. The paramedic staff also indicated to me that she should be transferred to a XXXX XXXX in XXXX XXXX and that the only safe way to get her there was by helicopter. I deferred to their judgement for the medical necessity of this transport. Of note, my wife has XXXX XXXX with a history of XXXX on the XXXX XXXX and with that she has both motor and sensory dysfunction of that extremity. She was in XXXX XXXX not simply because of her XXXX, but also because she was having XXXX XXXX of her XXXX  causing her XXXX  to pull directly on the XXXX. 

My health insurance refused to pay the XXXX bill for {$54000.00} on XX/XX/2018. Within a few months I responded to appeal. On appeal, XXXX, the insurance company, reviewed the records in detail and paid XXXX {$12000.00}, which is the customary amount for ground transportation, indicating in the explanation of benefits that the patient responsibility should be {$150.00}. 

They then began balance billing us for the remainder. We used our XXXX  employee benefit to hire an attorney, who sent XXXX and cease and desist order regarding the balance billing, but they haven't continued to bill us and submitted it to a credit collection agency, which has led to a damaging item on my wife 's credit report, which is impacting our ability to obtain a mortgage. 

We had no role in the medical decision by the providers at the scene to recommend air transport. The insurance company subsequently determined that ground transportation would have been adequate and therefore have only paid that amount. XXXX is now coming to us to pay for what the medical providers have said was necessary at the scene but our insurance company wouldn't pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: GA

Complaint narrative:
I have has an issue with all 3 Credit bureaus that have reported information on my credit that are very false I have over 32 inquires one my account due to false information from identity theft and I want it removed it has brought my score down major and Im not even 25 with all of this false information on my credit XXXX XXXX has recently removed certain information Im thankful for that but majority of the inquires still stands I have multiple inquires from companies that I have never done business with from fraud behavior intended on getting goods that I knew nothing about at all. PLEASE REMOVE THIS INFORMATION I have never dealt with or has any association with these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have has an issue with all 3 Credit bureaus that have reported information on my credit that are very false I have over 32 inquires one my account due to false information from identity theft and I want it removed it has brought my score down major and Im not even 25 with all of this false information on my credit XXXX XXXX has recently removed certain information Im thankful for that but majority of the inquires still stands I have multiple inquires from companies that I have never done business with from fraud behavior intended on getting goods that I knew nothing about at all. PLEASE REMOVE THIS INFORMATION I have never dealt with or has any association with these companies

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 2020-05-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: OH

Complaint narrative:
I sent a certified letter asking this company to remove this unverified debt and they have not responded it has been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
As of today XX/XX/2020 Experian is reporting an in accurate, Unverifiable, misleading, inconsistent account onto my consumer profile.a violation of FCRA rules section 1681. 

Account name : ( XXXX XXXX XXXX XXXX  ) : Currently this account is being reported as verified & updated by Experian, while account reports no credit limit, no balance. A violation of FCRA rules section 1681. 

: Currently this account is being reported as updated and verified but still doesn't report last date of activity. A violation of FCRA rules section 1681. 

: Currently this account reports no date of last payment made. A violation of FCRA rules section 1681. 

: Currently this account doesn't report if Account was sold. A violation of FCRA rules section 1681. 

: Currently this account doesn't report terms of agreement. A violation of FCRA rules section 1681. 

: Account doesn't report date closed. A violation of FCRA rules. 

: Account doesn't report date Account was charged off. A violation of FCRA rules. 

: Account doesn't report type of account. A violation of FCRA rules. 

: Account does not appear on either XXXX  or XXXX  inconsistent reporting a violation of FCRA rules. Section 1681

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 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Transunion and XXXX  were. Sent documentaion request by XXXX XXXX XXXX -furnisher/ owner of acct # XXXX. On XX/XX/2020 to delete reporting of tradeline. It is XX/XX/XXXX of 2020 and still being ignored by CRA just as their i investigations had not been properly completed. I have documentation sent to CRA 'S by Creditor 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 2020-05-13 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
Hello, I am concerned about Barclays ' accounting system. 

I had a negative balance on XX/XX/2020 for XXXX cents. Barclays did a " Balance Adjustment '' and debited my account XXXX cents to bring it to a zero balance. I am concerned how much money Barclays is pocketing if this is happening to numerous customers. 

This is not the only time that it happen to me. On XX/XX/2020 I had a negative balance of XXXX cents and again they did a Balance Adjustment and debited my account XXXX cents to get to a XXXX  balance. 

So in two months they put XXXX cents of my money into their pockets. I understand that it is only XXXX cents but I am looking at the big picture in that if they had a large number of customers this can add up to be a large dollar amount. 

It just seems like a SCAM and would like to know where does this money go?

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 2020-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Recd correspondence from Mr. Cooper XX/XX/XXXX explaining events most importantly a payoff stmt they sent XX/XX/XXXX that I did not receive. The issues that are still presented are as follows : The XX/XX/XXXX statement I received for the balance of {$390.00} does not state that those funds needed to be paid with a wire transfer. 

I never received the XX/XX/XXXX payoff statement you mentioned which makes perfect sense now why you proceeded as you did. The only payoff statement I received was on XX/XX/XXXX which was dated XX/XX/XXXX. I never had the additional charges nor the method of payment instructions until XX/XX/XXXX. I cant pay something I dont know about, nor can I make payment by wire transfer if I dont know anything about that either. 

You have not addressed the {$390.00} Nationstar check that was returned to you. I have paid the {$390.00} twice and am expecting a refund. I still feel I was not liable for late fee nor the default status on my mortgage and resultant implications on my credit report. 

I would really appreciate these issues being addressed and corrected at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc.
State: FL

Complaint narrative:
I opened a one year membership with XXXX XXXX on XX/XX/2018 with a payment of {$74.00}. After that my monthly fee was {$42.00} which was automatically deducted from my checking account. On XX/XX/2018 I was charged an additional {$39.00}. When I questioned management they explained that it was a one time fee for cost of new exorcise equipment that they would be purchasing sometime in the future. I was not happy about this surprise charge and notified them that as per our contract I giving them the one month notification to cancel my membership and making my last payment. I explained this to at least 10 more people who called me repeatedly over the next two months. Finally, without letting me know, they put this unwarranted {$400.00} charge on my credit report. Numerous efforts on my part to resolve this issue with XXXX XXXX have failed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
This problem is the same issue I had with 5/3 bank XXXX. Please reference my previous complaint. I made a transfer from my 5/3 Bank checking account to my 5/3 mortgage online prior to the days cutoff. The transfer was made on XX/XX/XXXX around XXXX XXXX. This is before their transfer cutoff time and during normal business hours of branch operation. The next morning I checked and the payment was still in a pending status. This must have been due to an issue with their online banking. The transfer was kept in a pending status until XX/XX/XXXX. Instead of posting the payment on the XXXX they posted it on the XXXX even though I made the payment on the XXXX. They then reported me over 30 days late to the credit bureaus. This is a regulatory violation and they must post the payment on the date they received it even if it takes them longer to process it. They need to remove the 30 day delinquency from all 3 major credit bureaus. Again, this is the SAME problem that I filed in XXXX and you can see it in my dispute history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX after reviewing my credit report I notice there was an error on my report from Portfolio Recovery Associates, LLC. I sent them a Certified Letter request them to explain to me what the debt was and provide me with documentation as the debt did not belong to me. On and or about XX/XX/XXXX I received a letter back from Portfolio Recovery Associates, LLC. stating the account was sold to them on XX/XX/XXXX and at the time of the sell provided an electronic file of business records containing information concerning the account. On XX/XX/XXXX I sent another certified letter to them disputing this debt as it does not belong to me and was looking for them to provide me with additional account information, signed contract, etc and or remove the erroneous debt from my credit reports as it is damaging my credit history. On or around XX/XX/XXXX I receive a letter via US postal service from Portfolio Recovery Associates Stating they have reviewed my dispute and there record indicated that they had already responded dispute and because my dispute alleges no new fact they will not be conducting another investigation and if they continue to receive correspondence from me regarding this dispute they already resolved they will consider my inquire as answered and no further replies will be forthcoming. On XX/XX/XXXX I sent them another Certified letter to Portfolio Recovery Associates LLC. On XX/XX/XXXX They responded back via US postal service with the same notice they sent me on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I then sent them another Certified more detailed letter a form requesting alleged amount, amount that was paid for debt, Name and address of alleged creditor, a contract with my signature, a judgement for this debt, name and address of there bonding agent has any insurance claim been made by any creditor and to date they continue to send me the same information and report this erroneous debt on my credit reports. This is defamation of character and is costing me greatly as I am looking to establish new credit. i am seeking your assisting with resolving this matter and have also been seeking counsel from an attorney to to file litagation for this violations if this can not be resolved immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I XXXX XXXX have requested on three different occasions to obtain a free annual credit report to Experian and XXXX. I have received my XXXX XXXX report, but I don't know the reasons why the other bureaus are being held up. Please help as I really want my free annual credit report from each bureau. 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 2020-05-13 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: Nelnet, Inc.
State: TN

Complaint narrative:
In XX/XX/XXXX, my loan was XXXX under proven XXXX as submitted and accepted from my physician. In XX/XX/XXXX, Social Security returned a favorable decision in the court in XXXX, VA, backdated to XXXX XXXX when application was first submitted. Ongoing communication with the servicer Nelnet has proved futile to correct my credit reporting as a severe derogatory item on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, My credit report was requested from Equifax and it was being reported that I have a XXXX score with Equifax. I have back in XXXX sent Equifax all of my information, and credit reports from other agencies as proof and yet still today I have been denied credit because I have no score with Equifax. Yet my personal information was stolen from Equifax to the sum of me receiving over 30 calls and emails since my information was obtained through their system. I have lost XXXX home loan deals because of Equifax not reporting my credit and have had to pay higher interest rate because of their frailer to report my credit history from past and present. I have written to then sent an affidavit of proof of self and credit that is being reported by other agencies to no avail. I don't know what else to do. How can a credit reporting agency refuse to report your credit history when that's the job of the business. They refuse to simply report my credit history when requested by reporting only that I have a XXXX score with them they have no history for me so they claim yet they allowed someone to hick in and steal my information all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XX/XX/XXXXand Experian were. Sent documentaion request by XXXX XXXX XXXX -furnisher/ owner of acct # XXXX. On XX/XX/2020 to delete reporting of tradeline. It is XX/XX/2020 and still being ignored by CRA just as their i investigations had not been properly completed. I have documentation sent to CRA 'S by Creditor 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