vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
Synchrony Bank that collects for CareCredit interest free credit card if paid off within promotional period. 
The website http : //www.synchronybank.com states that one can make " multiple payments ''. This is very important if you are paying on multiple promotions for healthcare, i.e. medical, dental, hearing aid, and/or veterinary bills. These bills have different ending dates for their promotions. They are generally 12 months in length. If not paid by end date, they will collect the combined 12 months of interest. So it is important to schedule all of your payments. 
I chose multiple payments BECAUSE if you don't your payments subtract from the oldest promotion on the bill first, applying nothing to the second or third promotion. Example : Promo 1 balance is {$300.00} ; Promo 2 balance is {$480.00} = Total Balance of {$780.00} 12 months of equal payments = {$65.00} They will only apply the {$65.00} to promo 1 and it will be paid off in 5 months. This leaves 7 months to pay on {$480.00} at about XXXX/month. You have to edit the payment amount online. I called customer service on XX/XX/XXXX and XXXX, 2019 to inquired why I could not make multiple 12 month payments. I logged on to make multiple payments, but you are only allowed to make a total of 12 payments in different amounts. Promo 1, I owed $ XXXX 7 months of {$53.00}. Promo 2, I owe $ XXXX/12 months at $ XXXX/month, but  only can schedule 5 payments, not 12. First call they told me you have to wait 24 hours to schedule another multiple payment, the second time, they told me it doesn't work that way. I have to call every month to tell them to allocate a certain amount that they received to each promotion. This is insane, not user friendly and appears to set you up for failure. 
Also, if you make 2 payments in one month and skip the next month, they will charge you a {$25.00} late fee!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I have disputed and requested the Method of Verification for this account many times, all without an response. Also this very account was moved in XXXX, XXXX due to identity theft, however it was reinserted between the months of XX/XX/XXXX and XXXX of XXXX. And by the laws of the FCRA as my consumer rights, a company can not reinsert an account without giving a 5 day notice to do so, and on any occasion this did not happen. I'm demanding that this account ( Navy Federal Cr ) be removed from the credit reporting agencies immediately. Being a victim of anything is not good, but continuing to be one is painful. Not sure which is worse getting my identity stolen or constantly going thru this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Woods Oviatt Gilman LLP
State: NY

Complaint narrative:
The car has a balance to be paid on it after repossession then auction. 
there is a co signor that is not on XXXX. Per the collection agency they can not legally go after the person on XXXX to pay back the loan ( in NY state ). 
why is the co signor solely responsible to pay back the debt and there is no financial obligation on the person on XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There were two account that showed up on my Experian credit report that were opened on XX/XX/2019. I saw them on credit report starting XX/XX/2019. Both of these account are of XXXX XXXX XXXX.  I called Experian to dispute these accounts ( around XXXX XXXX ). The representative told me that I have to contact XXXX XXXX XXXX. I called XXXX XXXX XXXX, and was told that I do not exist in their system. They couldn't find anything under my name and SSN. Thus, I went back to experian and disputed it using their online dispute services on XX/XX/XXXX. On XX/XX/XXXX, Experian responded saying that XXXX XXXX XXXX has certified these accounts and they will stay on my credit report. 
I contacted XXXX XXXX XXXX and was treated rudely by their representative, because she couldn't find any account under my name, while Experian is showing two account that I never opened. 
None of these companies are trying to help me resolve these, as both of them are referring me to each other for dispute these activities. 
One account has balance of {$1500.00} with credit limit of {$14000.00} Second account has balance of {$1900.00} with {$5500.00} credit limit. 
Because of these activities my credit score went down 11 points. 

Also, there is a wrong address showing up on my report, which is reported by XXXX XXXX XXXX. I  tried to dispute that, but Experian is not removing it from my report as well. Other two credit bureaus, ( XXXX and XXXX ) has none of these information on their credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica

Complaint narrative:
I have received a new replacement card for XX/XX/XXXX deposit I have notified XXXX XXXX to the point they will not fix the problem with International ATM with draws XXXX XXXX will be my 2 year anniversary in this country of XXXX my Adress : 3 private XXXX XXXX XXXX XXXX # XXXX Phone XXXX XXXX Email XXXX SS # XXXX Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have sent numerous letters to Equifax Credit Reporting Agency, in regards to their continuing to add five derogatory remarks on my credit report. The five remarks are from XXXX 's XXXX XXXX. These remarks have been unverified for well over a year.I have sent letters to Equifax and XXXX 's XXXX XXXX as for proof of these debts, belonging to me. I have been passed back and forward between them, as to who's responsible for proving owe these debts. XXXX 's XXXX sent to me a " fact '' sheet with my name, address, and the amount of the debts that I supposedly owed! They have not provided any documents with my signature on them! In my letters to both Equifax and XXXX 's Agency, I pointed to FCRA regulations section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 7 ), in regards to proof I owed the debt! I also filed a police report from XX/XX/2018 noting this a fraud. I am asking for the CFPB to look into this matter. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I reached out to rocket mortgage to get a rate quote. They asked for my & my spouse 's SSN and birthdates and pulled a hard credit report without allowing us an alternative. We just wanted to get a rate quote and did not plan to apply for the mortgage yet. This has damaged our credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AR

Complaint narrative:
This company is attempting to collect a debt from me for services not provided. I have never signed or agreed to a contract that states I will do business with them. I have attempted to have this company legally validate any alleged debt via certified mail. They have not furnished any such legal validation.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FORD MOTOR CREDIT CO.
State: MO

Complaint narrative:
Ford motor credit repo my car in XXXX. 
In XXXX when I filled bankruptcy they weren't on the bankruptcy They haven't contacted me. 
Now all of a sudden I have a garnishment. No notice and my employer let me know who was garnishing me when I got the surprise. They have my old last name that I changed from 10 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: Receivables Management Partners, LLC
State: MI

Complaint narrative:
Allied Business Services in XXXX, MI. Dates from XX/XX/XXXX - XX/XX/XXXX. Had serious medical conditions and was off work on XXXX. My mental capacity was diminished and could not handle any day to day activities. I would receive robo calls everyday or sometimes even multiple times daily and had no idea who they were from. I never received any physical communication via regular mail. I had issues with my mail and other individuals would even be handling my mail due to my mental capacity issues. As soon as my health issues were resolved I looked into all of this and found out they were medical collections from my health issues. I immediately paid them in full on XX/XX/XXXX. I begged Allied to work with me and please delete these from my credit file due to my situation. They declined and said they could not help me at all. I even talked to a supervisor and also got no where. They told me tough luck. This is now costing me a loan for a house. I have never been late on anything in the past and have always paid everything. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I reached out to XXXX XXXX to get a rate quote. They asked for my & my spouse 's SSN and birthdates and pulled a hard credit report without allowing us an alternative. We just wanted to get a rate quote and did not plan to apply for the mortgage yet. This has damaged our credit scores.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
There were two account that showed up on my XXXX  credit report that were opened on XX/XX/2019. I saw them on credit report starting XX/XX/2019. Both of these account are of Bank of America. I called XXXX to dispute these accounts ( around   XX/XX/XXXX ). The representative told me that I have to contact Bank of America. I called Bank of America, and was told that I do not exist in their system. They couldn't find anything under my name and SSN. Thus, I went back to XXXX and disputed it using their online dispute services on XX/XX/XXXX. On XX/XX/XXXX, XXXX responded saying that Bank of America has certified these accounts and they will stay on my credit report. 
I contacted Bank of America and was treated rudely by their representative, because she couldn't find any account under my name, while XX/XX/XXXX is showing two account that I never opened. 
None of these companies are trying to help me resolve these, as both of them are referring me to each other for dispute these activities. 
One account has balance of {$1500.00} with credit limit of {$14000.00} Second account has balance of {$1900.00} with {$5500.00} credit limit. 
Because of these activities my credit score went down 11 points. 

Also, there is a wrong address showing up on my report, which is reported by Bank of America. I tried to dispute that, but XX/XX/XXXX is not removing it from my report as well. Other two credit bureaus, ( XX/XX/XXXX and XX/XX/XXXX ) has none of these information on their credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
I have a checking account with Wells Fargo Bank. I have direct deposit of my pension check with the Bank. I have repeatedly asked the Bank that if there are insufficient funds in the account that the Bank decline any request for payment. The bank knows that there are insufficient funds in the account, but it goes ahead and pays any request and then charges the account {$35.00} for each request it pays. I am retired and ion a fixed income. By the time the next pension check is deposited, it has taken the whole check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have an account with Kohls/Capital one card which I have always had an outstanding payment history with them. In XXXX 2019 I went into the Kohls store located in XXXX NY to make a payment. They assured me all was well with the payment. it will post the day I paid which was prior to the due date. In fact that is not what happened they seemed to have had technical computer issues and never posted the payment. As soon as I was made aware of this issue I resolved it immediately. 

I also never received a notice in the mail in regards to my account getting a 30 day late which they are required to send.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax basically never lets me check my score, and I submitted a dispute with them about a derogatory account I saw was ONLY on my Equifax report ( I saw on a third party credit monitoring website since Equifax won't let me in ). I've tried calling Equifax, per the suggestion on their website, but the woman on the phone at Equifax said their " systems were down '', so I waited a few days to see what was happening with the dispute since they keep emailing me a Dispute confirmation number. I keep attempting a login, because apparently having a form where you just type in your dispute number would be just too easy for consumers, am I right? Got ta make it hard on us consumers, right? Well anyway. Their site keeps saying they can't help me online. You've GOT to be kidding me. This is not FAIR to me, as I know all of the questions I'm answering are accurate. What is wrong with Equifax? Both XXXX  and XXXX are amazing, but Equifax needs to stop being a rude company and just let me see my XXXX  dispute results for goodness sake!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: DC

Complaint narrative:
I received a call from the CBE Group. They knew my mailing address and were trying to use this as a basis to collect debt from XXXX. I have never used XXXX as a buyer nor as a seller. They insisted the debt was mine and tried to suggest that someone in my family or another person was impersonating me. I said that was not the case and yet they still insisted I owed the debt. 

After receiving multiple phone calls from them, I contacted XXXX and they confirmed that no accounts existed associated with my contact information or mailing address, so the debt is clearly not owed by me, but the CBE Group will not stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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 a credit card with XXXX XXXXp since XX/XX/2019, they were bought out by XXXX XXXX XXXX. I paid my balance off around XX/XX/XXXX. They keep reporting that I still have balance and one one credit report they are showing a larger balance. I called and emailed them several times to correct the issue. Now the phone just goes to voicemail and no one answers. This caused my credit score to drop and this isnt right. Please help me!

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 2019-07-11 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2019, I notice a inquiry on my credit Report : XXXX/Equifax/ XXXX dated for XX/XX/XXXX XXXX, I then contacted the company listed on my report via Phone and certified mailed letter sent to their address asking why is a inquiry on my credit file and Equifax Mortgage , response to both means of contact was the same reply! 

They were not able to provide the reason for the inquiry nor who Authorized this inquiry, they said I would have to contact the original lender known as XXXX XXXX to gather information. 

I immediately called XXXX XXXX  for a explanation why this company ran my credit if I never applied for a loan or signed any contract for a loan or sign a application for funds/ Insurance etc. 

They were not able to provide any significant documentation to display my signature or myself Authorizing this company to check my credit report Electronically, or with a signed document with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: CA

Complaint narrative:
They did not contact me for many years after initial complaint. I had filed a complaint 5 years ago as they threatened me the same way, with a debt that they can not prove or that they did not send me the requested information about the debt they say I owed. XXXX  has sold this debt many times, but they have never proved the debt is mine, or sent me requested documentations regarding the debt, which I do not owe. Time and again whenever the sell the debt to a collection the new company sends out the threatening letter to hurt my credit or sue me, this company just threatened to report the debt to a credit agency, and threatened to damage my credit. The debt is not mine, I have not had any contact, other than the collection and have not had an account with XXXX since 2009.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: UT

Complaint narrative:
Equifax is reporting incorrectly the XXXX XXXX XXXX partial account number XXXX as ( 120 ) plus days past due. ( Please see page 4 of the attached credit report. ) This account was included in my bankruptcy and should be reporting as such. I have contacted the bureau to fix this however, I have been unsuccessful. This incorrect reporting is harming my credit score. This trade line item needs to be updated to report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I paid off Subsidized Loan XX/XX/102019, Now their is a balance of XXXX their but the payment I made was to pay it off I have called 3 times why is this amount their when I made a pay off on this account they will check into it. again I called they will put in top priority and call me on the XX/XX/XXXXthis month. Iam paying interest on this now when it should have been paid off already this is not fair to me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: UT

Complaint narrative:
Equifax is reporting incorrectly the XXXX/XXXX partial account number XXXX as a charge off. ( Please see page 16 of the attached credit report. ) This account was included in my bankruptcy and should be reporting as such. I have contacted the bureau to fix this however, I have been unsuccessful. This incorrect reporting is harming my credit score. This trade line item needs to be updated to report accurate information.

Company response to consumer: Closed with explanation