vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I disputed a public record ( bankruptcy ) several times with Equifax. The investigation came back as verified through XXXX XXXX. I then submitted a dispute with XXXX XXXX and they said it could not be verified and was then deleted from their files. I sent proof of investigation that I received from XXXX XXXX and they have yet to delete the file from my report. I disputed again and it came back saying it was verified through court system. I wrote court system and they stated they do not verify they would have to go through XXXX XXXX. I received an investigation result from Equifax on XX/XX/2020 in the mail stating again it was verified through XXXX XXXX and still has not been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On XX/XX/2020, we visited the local XXXX XXXX store to purchase a mattress. We applied for credit with Synchrony bank and were declined. We paid for the mattress by other means. A few days later we received a letter in the mail from Synchrony stating they " could not approve the co applicant ''. We pulled our credit reports and found nothing amiss and shrugged it off. On XX/XX/2020, we received alerts from our credit monitoring company stating that we had a new Synchrony account for XXXX XXXX. My husband called Synchrony and they said they could not see the decline and that the account was opened on XX/XX/2020 with a {$5000.00} credit line. They could not answer any questions about how the request was submitted. We never reapplied and had no need for the line. We requested the account be closed. On XX/XX/2020, we reached out to XXXX XXXX who stated that they do not resubmit credit reports and that they would escalate the report. We want an explanation as to why a fake account was opened in our names and no one seems to be able to give that to us. We are now asking the CFPB to review the credit card practices of Synchrony Bank so this does not happen to someone else.

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 2020-07-18 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: NC

Complaint narrative:
For the past two months, I have been trying to resolve the inaccurate reporting to my credit reports with Experian and XXXX. My first letter to both bureaus was sent on XX/XX/2020, and XX/XX/2020, that requested to remove the derogatory reporting of the months of XXXX and XXXX as this account has never been late. During this time, I had spoken to XXXX XXXX   several times to verify their reporting. The customer service representative transferred me to the escalation department and expressed on numerous calls, the account on their end is NOT reporting 30 days late for XXXX or XXXX, and, that they will send another update as well as advised me to contact Experian and XXXX again. In my XXXX letter to both ( XXXX and Experian ), I had requested the paperwork that backs up their detailed reporting that goes over the procedure of their independent investigation and any other paperwork that states the account is past due. And that this needs attention immediately as this has impacted my credit scores and credit payment history. XX/XX/XXXX credit reports results came back from both ( XXXX and Experian still reporting 30 days late for XXXX and XX/XX/2020 and they never sent their documentation of their independent investigation to show how they are receiving the information. XX/XX/XXXX, I called back to XXXX XXXX and per my conversation with my mortgage company with the Escalated Credit Manager XXXX ID # XXXX ( XXXX Ext XXXX ) has stated their department has sent over updates numerous of time reporting XXXX and XXXX has been paid as agreed. This account has never been late. Per the guidelines and policy of FCRA, which promotes accuracy and fairness in the files of consumer reporting agencies, Experian and XXXX are in violation of reporting inaccurate information. However, the XXXX bureau is reporting paid as agreed. Now, I am contacting CFPB to help resolve this ongoing issue. 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 2020-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: GA

Complaint narrative:
XXXX XXXX XXXX, XXXX and myself went to court on XX/XX/XXXX. The judge signed a court order saying that I owe this company no monies. 

Prior to seeing the judge, XXXX XXXX ( an agent for XXXX ) and I discussed this alleged debt and she said that the main office in XXXX, FL would reach out to me to discuss a payment plan. I inquired about the down payment that I put on the home ( XXXX XXXX XXXX, XXXX ) and if that would be taken away from the total balance. XXXX stated that she did not know and that I would need to discuss that with the main office when they reached out. 

The judge signed a court order that day that said I do not owe this company any monies. Furthermore, I never received any correspondence from the main office as to them sending this account to collections, discussing a payment plan, my downpayment, or anything else. In XXXX of XXXX I received a dunning letter from Hunter Warfield Inc and I have been going back and forth with them recently about the validity of this debt and the way everything was handled. I have turned in the signed court order to Hunter Warfield multiple times ; however, on XX/XX/XXXX at XXXX XXXX during a recorded phone call with XXXX XXXX at Hunter Warfield she told me that the court order from a judge did not matter and that I would need to seek legal counsel if I wanted to handle this any further. 

I have asked Hunter Warfield for debt validation several times. They have only sent me verification and the signed court order has never been part of the verification thus the verification is incomplete. They refuse to send me validation that I am legally bound to this debt and they say XXXX XXXX XXXX says that I have to pay them. 

I am trying to keep from taking this issue to court. I just want this collection removed from my credit reports and handled the proper way.

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 2020-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CHECK INTO CASH INC.

Complaint narrative:
This company reported an account from CHECKINTOCASH on XX/XX/2019 in the amount of {$280.00}. This collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5  days after initial communication. This was not done 5  days after reporting it to the Credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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: NC

Complaint narrative:
For the past two months, I have been trying to resolve the inaccurate reporting to my credit reports with XXXX and TransUnion. My first letter to both bureaus was sent on XX/XX/2020, and XX/XX/2020, that requested to remove the derogatory reporting of the months of XXXX and XXXX as this account has never been late. During this time, I had spoken to XXXX XXXX   several times to verify their reporting. The customer service representative transferred me to the escalation department and expressed on numerous calls, the account on their end is NOT reporting 30 days late for XXXX or XXXX, and, that they will send another update as well as advised me to contact XXXX and TransUnion again. In my XXXX letter to both ( TransUnion and XXXX ), I had requested the paperwork that backs up their detailed reporting that goes over the procedure of their independent investigation and any other paperwork that states the account is past due. And that this needs attention immediately as this has impacted my credit scores and credit payment history. XX/XX/XXXX credit reports results came back from both ( TransUnion and XXXX still reporting 30 days late for XXXX and XX/XX/2020 and they never sent their documentation of their independent investigation to show how they are receiving the information. XX/XX/XXXX, I called back to XXXX XXXX and per my conversation with my mortgage company with the Escalated Credit Manager XXXX ID # XXXX ( XXXX Ext XXXX ) has stated their department has sent over updates numerous of time reporting XXXX and XXXX has been paid as agreed. This account has never been late. Per the guidelines and policy of FCRA, which promotes accuracy and fairness in the files of consumer reporting agencies, XXXX and TransUnion are in violation of reporting inaccurate information. However, the XXXX bureau is reporting paid as agreed. Now, I am contacting CFPB to help resolve this ongoing issue. 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 explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Have been using paypal as a online bank to sell on XXXX and other online marketplaces for years and never really had a problem besides going through a legal verification process which i supported and provided personal documents and invoices of current inventory. Now on XX/XX/20 I woke up to a email from paypal saying my account was " permanently limited '' due to a policy violation + my money would be on hold for 180 days and they would email me after the 6 months is up about how to withdrawal the funds. 
Called them up right away and spoke to XXXX from the limitations department who would've been able to release my funds..they wont describe further details on the policy i violated and she didn't understand either why it was placed on the account..unfortunately she was only able to tell me that i can file a subpoena to have a review on the case but never said how to do so. Anyway I have {$3600.00} on this account that I need desperately in times like this. I have a XXXX XXXX XXXX daughter who depends on me and If i cant get those funds fast enough i am going to be in deep trouble. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Hi my name is XXXX XXXX I have an account with TD joint with XXXX XXXX. We applied for a loan and TD bank wants to return it the XXXX when this was a personal loan of XXXX dollars. They have my account frozen now for a month. They told me that the lender that gave us the money is asking for the money bank I asked them if I may have a copy of the email and they said no. I called the XXXX that gave us the money and they no they are not asking for the money that why will the bank say that to us. We need help before we loss the money and still have to pay it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I AM FILING THIS COMPLAINT AGAINST EXPERIAN CREDIT BUREAU BECAUSE I HAVE FAXED A FORM SENT TO ME BY EXPERIAN TO IMMEDIATELY REMOVE THE FRAUD ALERT ON MY CREDIT REPORT. 
I RECEIVED A TRANSMISSION VERIFICATION REPORT ON XX/XX/2020 VERIFYING THAT MY REQUEST Faxed to EXPERIAN FAX # XXXX. WAS RECEIVED. 
EXPERIAN HAS NOT REMOVED THIS FRAUD ALERT AFTER SEVERAL ATTEMPTS FROM ME TO REMOVE THIS FRAUD ALERT IMMEDIATELY. 
PLEASE HELP!!

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 2020-07-18 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Collection account. {$560.00} past due as of XX/XX/XXXX I have asked experian to remove this from my credit report. The balance on this account belongs to my land lord. I moved out on XX/XX/XXXX. I moved to Florida I have gas receipts for my drive down to Florida and I also have XXXX power notice when my electric was turned on in Florida and also my new lease in Florida and my moving out notification to my landlord.

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 2020-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IN

Complaint narrative:
XXXX, Your transaction has been canceled and will no longer be processed. 

We will refund the account you used to pay for your transaction. 
Refunds to a credit or debit card typically take 3-10 business days. 


While the funds have been withdrawn, your bank may not show a charge immediately. 


Receiver : XXXX XXXX XXXX Send Amount : XXXX USD Date : XXXX Reference # : XXXX The total cost of this transaction fee was {$21.00} which they refuse to refund. I sent money to XXXX  XXXX  because the recipient was in XXXX  XXXX  but they refused to give her the money because her I.D . was from XXXX. So I had to cancel and resend with the receiving State as XXXX  but she received the Money in XXXX  XXXX. I followed the instructions to the letter XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I wish to file a formal complaint against SE Toyota Finance.

I sent them a letter several months ago explaining that we would have to miss one payment due to being off work for over 4 months. We also explained that XXXX XXXX XXXX put a hold on payments and ALL late fee charges. 

Despite this, we are still being harassed by SE Toyota for both late fee and a missed payment. We have resume payments but requested that the one missed month be added to the end of the contract due to extreme circumstances. 

SE Toyota Finance acknowledged receiving this and have not only done nothing but continue to bill us for both months AND added a late fee. It is my understanding that his is illegal. Certainly unethical, given the circumstances. 

Kindly address this matter. 

Thank you. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, FL XXXX SouthEast Toyota Finance XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2020, the bank withdrew from my account {$1700.00} The bank never advised me that I was going to withdraw that money from my account The bank did it without asking CITIBANK did not have my authorization. 
I was informed that the withdrawal was to pay a debt from my father. 
I am not obligated to pay a debt that is not mine. 
I am outside the country and without work. 
What they did was a violation of my account They have to collect that debt from my father and not from 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 explanation
Consumer complaint received 2020-07-18 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:
XXXX XXXX XXXX XXXX Collection account. {$560.00} past due as of XX/XX/XXXX I have asked XXXX  to remove this from my credit report. The balance on this account belongs to my land lord. I moved out on XX/XX/XXXX. I moved to Florida I have gas receipts for my drive down to Florida and I also have XXXX power notice when my electric was turned on in Florida and also my new lease in Florida and my moving out notification to my landlord.

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 2020-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian will not let me unfreeze my credit report in a timely or efficient manner. Their website does not accept my information which is all correct. Their phone system does not allow you to speak with an individual and sends you in loops after requesting so much personal information ( SSN, etc. ). Requesting that you mail in information to unfreeze. Not a timely or reasonable solution.

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 2020-07-18 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: NJ

Complaint narrative:
I can not log into my Equifax " myEquifax.com '' account due to a technical problem with my online account. That is what I have been told by Equifax. As a result I am unable to access my credit information or freeze/unfreeze my credit when I need to. Equifax WILL NOT fix the problem. I have been trying to get them to do so for over a year. In XXXX I filed a complaint with your Bureau ( XXXX ). Equifax responded with a useless reply that had nothing to do with the issue. I replied to the response on your website clearly stating that Equifax 's response was inadequate. You then closed the complaint. So apparently no one at your Bureau read Equifax 's or my response. So I started all over again with Equifax. Once again, after hours of trying I got an Equifax agent on the phone who told me there is a technical problem with my log-in. She said that she would have tech service contact me within 4 business days. That was 2 weeks ago and of course they never contacted me. Equifax just will not help me. And your Bureau hasn't helped me either. I don't know where else to turn. I don't know what to do. WILL YOU PLEASE HELP ME?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Webcollex, LLC
State: FL

Complaint narrative:
CKS PRIME INVESTMENTS XXXX Collection account. {$690.00} past due as of XX/XX/2020 XXXX XXXX XXXX XXXX I have tried to dispute this information with CKS prime investments and the XXXX XXXX XXXX. I have no idea what this collection is. I am assuming a credit card from what I have investigated. 
CKS PRIME INVESTMENTS XXXX Collection account. {$800.00} past due as of XX/XX/2020 XXXX XXXX  I have tried to dispute this information with CKS prime investments and the XXXX XXXX XXXX  I have no idea what this collection is. I am assuming a credit card from what I have investigated. 
If I need to file a police report I will. I did not open these credit cards. These are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Per a XXXX add on XXXX, I ordered XXXX XXXX XXXX XXXX .bank America Visa card XXXX XXXX XXXX XXXX on XXXX the morning, 1 hr later I called back to cancel order XXXX XXXX XXXX Per XXXX @ XXXX XXXX XXXX No problem. 
On XX/XX/XXXX preliminary billing Appeared on my visa card {$110.00} Told it was just preliminary and would drop off. 
XX/XX/XXXX true billing appeared Called was advised they are just a Tela marketing ( all Connect ) I need to call XXXX to cancel my instal date of XX/XX/XXXX Called XXXX XXXX XXXX XXXX XXXX will cancel immediately. 
Called XX/XX/XXXX XXXX said it takes 3 weeks Tried to issue a dispute with Bank america, Advised give vendor 30 days It takes 30 seconds to bill But 30 days to issue credit

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 2020-07-18 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I would like to report XXXX XXXX XXXX of XXXX XXXX florida XXXX, address XXXX XXXX XXXX. He manipulates XXXX XXXX XXXX for his credit cards his ex stepson by marriage, he breaks into home, very abusively physical and mentally. He staulks and follows people around to blackmail them until he gets his what he wants, he commits credit card fraud frequently, please exercise your right to serve justice to society. XXXX XXXX XXXX is extremly dangerous and manipulative. He is narcissitic and brainwashing is his gift of gab. He is equivilant to XXXX XXXX and XXXX XXXX. He covers his tracks very well.

Company response to consumer: Closed with explanation