vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Submitted several disputes and last verified date shows XX/XX/XXXX and account currently listed as not disputed when it is being disputed. 
Creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balane on the account. I didn't receive this paperwork status update date proves that this account wasn't even investigated. 
Contacted creditor and was told it was charged off yet credit report shows balance still owed as well as a past due amount of {$10000.00}. I contacted the company who they claim they sold the debt to yet no one answered and phone just rung. 
There are several FCRA violations associated with this account and though I have disputed the validity of this debt several times, I have yet to see any PROOF of amounts. 
Equifax states late 120 days. No other agency is reporting this XXXX  show no data on 2 yr pymt history XXXX  show no data on 2 yr pymt history Account has been charged off since XX/XX/XXXX yet past due amounts and balance owed are still reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Submitted several disputes and last verified date shows XX/XX/XXXX and account currently listed as not disputed when it is being disputed. 
Creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balane on the account. I didn't receive this paperwork status update date proves that this account wasn't even investigated. 
Contacted creditor and was told it was charged off yet credit report shows balance still owed as well as a past due amount of {$10000.00}. I contacted the company who they claim they sold the debt to yet no one answered and phone just rung. 
There are several FCRA violations associated with this account and though I have disputed the validity of this debt several times, I have yet to see any PROOF of amounts. 
XXXX  states late 120 days. No other agency is reporting this XXXX  show no data on 2 yr pymt history Experian show no data on 2 yr pymt history Account has been charged off since XX/XX/XXXX yet past due amounts and balance owed are still reporting on my credit file.

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 2020-05-15 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Submitted several disputes and last verified date shows XX/XX/XXXX and account currently listed as not disputed. Status update date proves that this account wasn't even investigated as the credit bureaus stated so this account can't possibly have been verified because the status update date has not changed. 
Creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balane on the account. I didn't receive this paperwork and have requested it several times. 
Contacted creditor and was told it was charged off yet credit report shows balance XXXX  shows last payment XX/XX/XXXX and several chargeoffs are reporting in 2yr payment history XXXX  show no data on 2 yr pymt history XXXX  shows last payment date of XX/XX/XXXX and no data on 2 yr pymt history How was this date verified as accurate when so many values, reported by the same company, dont even match up?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15 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: Webcollex, LLC
State: PA

Complaint narrative:
CKS FINANCIAL TOLD ME IN WRITING THAT IF I PAID THE FULL BALANCE OF XXXX THEY'LL DELETE IT OFF MY XXXX AND XXXX CREDIT PROFILE. A MONTH LATER THEY UPDATED IT AS " PAID IN FULL '' AND NOT DELETED AS PROMISED. AFTER A BUNCH OF PHONE CALLS AND LETTERS TO XXXX AND XXXX  XXXX  FINALLY AGREED TO DELETE IT. XXXX  HASN'T DELETED IT YET. A MONTH LATER CKS FINANCIAL WENT AHEAD AND ADDED THE PAID COLLECTION ON MY XXXX REPORT. THEY DID THIS A MONTH LATER AFTER THE COLLECTION WAS PAID IN FULL AND AFTER THEY ONLY ADDED IT TO TXXXX AND XXXX A MONTH PRIOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: MN

Complaint narrative:
This car was declared a charge off but I never got any documents. 
Under the laws of the State of Minnesota UCC UCC Article 6 :336.9-608,336.9-615,336.9-616, Subpart. noncompliance with article 336.9-626 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I am requesting but until today I dont have any documentation any paper for how much was sold the car, but they still reporting a information is unverifiable, I sent just this year 3 letters I understand everything is slow, but this is completely unacceptableXXXX XXXX and no answer

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 2020-05-15 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: MN

Complaint narrative:
This car was declared a charge off but I never got any documents. 
Under the laws of the State of Minnesota UCC UCC Article 6 :336.9-608,336.9-615,336.9-616, Subpart. noncompliance with article 336.9-626 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I am requesting but until today I dont have any documentation any paper for how much was sold the car, but they still reporting a information is unverifiable, I sent just this year 3 letters I understand everything is slow, but this is completely unacceptableXXXX XXXX and no answer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: MN

Complaint narrative:
This car was declared a charge off but I never got any documents. 
Under the laws of the State of Minnesota UCC UCC Article 6 :336.9-608,336.9-615,336.9-616, Subpart. noncompliance with article 336.9-626 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I am requesting but until today I dont have any documentation any paper for how much was sold the car, but they still reporting a information is unverifiable, I sent just this year 3 letters I understand everything is slow, but this is completely unacceptable.XX/XX/XXXX and no answer

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 2020-05-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I have filed a complaint previously regarding PNC bank. My husband fraudulently used a line of credit, I immediately notified PNC upon learning of this issue. No one at the bank/call representatives guided me to dispute the charges. I have been in a run around for almost a year now with this careless, negligent institution. I have informed them to do a review, they kept giving me the run around until I did my first complaint through Consumer Financial Protection Bureau. After my complaint, they unwillingly only fessed up to some of their mistakes. I want a thorough investigation done. This is sheer negligence and they keep trying to sweep it under the rug. They did not even want to do an investigation until I pushed and pushed their mistakes. I am tired of their nonsense, I would rather pay an attorney 's fees and take this to court rather than to pay this sleazy bank. They know they made pitfalls on their end and are doing NOTHING to fix this issue. They are saying I am responsible for over $ XXXX which I did not spend! I never authorized the money being used. Their lame excuse is that payments went out of a joint account. AN UNAUTHORIZED USER MADE THE PURHCASES WHY ARE THEY NOT REVIEWING FOOTAGE FROM ATMS?!?!? I AM BAFFLED BY THE STUPID ANSWERS, UNPROFESSIONALISM, NEGLIGENCE, IGNORANCE AND LACK OF UNDERSTANDING BY PNC. Completely disgusted by this bank and their employees.

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 2020-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Submitted several disputes and last verified date shows XX/XX/XXXX and account currently listed as not disputed. Status update date proves that this account wasn't even investigated as the credit bureaus stated so this account can't possibly have been verified because the status update date has not changed. 
Creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balane on the account. I didn't receive this paperwork and have requested it several times. 
Contacted creditor and was told it was charged off yet credit report shows balance XXXX  shows last payment XX/XX/XXXX and several chargeoffs are reporting in 2yr payment history Transunion show no data on 2 yr pymt history XXXX  shows last payment date of XX/XX/XXXX and no data on 2 yr pymt history How was this date verified as accurate when so many values, reported by the same company, dont even match up?

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 2020-05-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Submitted several disputes and last verified date shows XX/XX/XXXX and account currently listed as not disputed. Status update date proves that this account wasn't even investigated as the credit bureaus stated so this account can't possibly have been verified because the status update date has not changed. 
Creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balane on the account. I didn't receive this paperwork and have requested it several times. 
Contacted creditor and was told it was charged off yet credit report shows balance XXXX  shows last payment XX/XX/XXXX and several chargeoffs are reporting in 2yr payment history XXXX show no data on 2 yr pymt history Equifax shows last payment date of XX/XX/XXXX and no data on 2 yr pymt history How was this date verified as accurate when so many values, reported by the same company, dont even match up?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Submitted several disputes and last verified date shows XX/XX/XXXX and account currently listed as not disputed. Status update date proves that this account wasn't even investigated as the credit bureaus stated so this account can't possibly have been verified because the status update date has not changed. 
Creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balane on the account. I didn't receive this paperwork and have requested it several times. 
Contacted creditor and was told it was charged off yet credit report shows balance Experian shows last payment XX/XX/XXXX and several chargeoffs are reporting in 2yr payment history XXXX show no data on 2 yr pymt history XXXX shows last payment date of XX/XX/XXXX and no data on 2 yr pymt history How was this date verified as accurate when so many values, reported by the same company, dont even match up?

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 2020-05-15 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: Continental Finance Company, LLC
State: NJ

Complaint narrative:
The XXXX XXXX XXXX I own has been closed by the company due to being over the limit. I attempted to make a payment to satisfy the overage but they refused it. They stated the balance had to be paid in full. I expressed to them that I couldnt sue to economic hardship during our current conditions. Therefore, I agreed to pay the minimum of {$100.00} on its due date of XX/XX/XXXX. Unfortunately they didnt process the payment since my account was revoked internally. I received notification to make a payment, which prompted me to call them. It was explained to me that due to the revocation the payment couldnt be processed via ACH. A supervisor got involved, she then removed the revoked status to finally accept my new payment of {$200.00}. Lastly this payment went through successfully, however this company submitted a late payment on my credit. Today, I spoke with three individuals to get this fixed. Ultimately a customer relations supervisor named XXXX assisted and stated that she would call me back and I got no resolution or call back. They need to assume responsibility for this as I am working hard to pay them and repair my credit. I have no control over this company revoking my account and refusing payment. Its unfair to make a late report on my credit when they are responsible.

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 2020-05-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
**This is in relation to my SAM ASH credit card through Synchrony Bank . ** Synchrony Bank is a PREDATORY COMPANY that is stealing people 's purchasing power when they most need it. They are offering no customer service. When one tries to contact them there is NEVER a customer service agent via the online chat feature. They are doing nothing to help me. I have attached a screenshot showing this. The company is making it impossible to work with them and they are offering no assistance for people affected by COVID-19 related financial hardship. They are predatory, and just keep harassing for payment even when the customer still has available credit. They also closed my account SAM ASH  CARD when I still have {$540.00} in available credit! They are denying credit to their customers when they most need it. I want my card REOPENED. If this isn't resolved to my satisfaction, I am going to report this to XXXX XXXX, my Congressman representing my district, as well as XXXX XXXX, and XXXX. They are very accessible and would love to hear how customers in Oklahoma who are already being DEVASTED BY THE ECONOMIC CARNAGE with 15 % UNEMPLOYMENT are being further abused by predatory lenders like Synchrony. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.

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 2020-05-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: TX

Complaint narrative:
This creditor is attempting to illegally reage this account. Last payment shows made XX/XX/XXXX, this false. 

One Account Shows past due amount of {$1900.00} on a charged off account, closed date says XX/XX/XXXX, last payment XX/XX/XXXX. 

Second Account Shows past due amount of {$1600.00} on a charged off account, closed date says XX/XX/XXXX, last payment XX/XX/XXXX. 

Third Account Shows past due amount of {$1900.00} on a charged off account, closed date says XX/XX/XXXX, last payment XX/XX/XXXX. 

All of this information is false. 
No 2yr payment history is reported on XXXX so how was this account legally verifed as accurate?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Offices are closed due to covid 19. 
Noticed to hard inquirys by sync bank for HSN And one from Sync bank   Lowes

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 2020-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: AR

Complaint narrative:
On XX/XX/2020, I received and email from XXXX credit monitoring systems stating that Commonwealth financial had placed a collection on my credit report. The debt pertains to and old medical collection that was never verified, and later removed from my credit report. This company has bought this debt from another agency and are trying to collect on it. This company also did not send me any written notice/bill before they placed it on my credit report, which is a direct violation, therefore causing a significant point drop in my credit score. The balance they have listed is for {$1300.00}. Also, this debt is past the allotted time frame in regard to the Statue of Limitations laws pertaining to medical debt. I can also verify that XXXX XXXX XXXX tried to collect on this debt as well, and after further investigation, the debt was never verified, and removed from their system, and I have the proof to support this. However, this fraudulent debt placed by CommonWealth Financial has not been verified by previous collectors, and needs to be removed from my credit report, within a timely manner. 

I would like this company to be recognized as one to place fraudulent collections on consumers credit reports, and a company who does not follow the guidelines of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX of 2020 a website erroneously sent my sensitive information to multiple companies unbeknownst to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: Global Lending Services LLC
State: TX

Complaint narrative:
XXXX of 2020 a website erroneously sent my sensitive information to multiple companies unbeknownst to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: MN

Complaint narrative:
I was trying to rent a house that I found on both XXXX and XXXX and the person who scammed me got his lawyer involved and sent over an official document for the lease and requesting XXXX XXXX in down payments. The first {$1000.00} was for first months rent and the second XXXX XXXX was for the security deposit. I sent the money through XXXX to two different people one was his accountant and the second was his lawyer. I contacted my bank and the police and nothing has come of it. My bank said that they would not give me any sort of money because I initiated the payment.

Company response to consumer: Closed with explanation