vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-02 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: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX  partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2019 my wife, XXXX was doing me a favor of cashing my paycheck ( in the amount of {$600.00} ) at the BBVA Compass branch at XXXX XXXX XXXX in XXXX, Texas XXXX. The check was properly endorsed, had the bank account number listed on the back as well and my drivers license was sent as proof of identity. 
A teller at the XXXX XXXX by the name of XXXX ( she refused to provide me with her last name ) refused to cash the check. She indicated that my wife did not sign on the account. Upon speaking to this woman on the telephone, I indicated that there has never been any problem with these transactions at any of the other BBVA locations. My concern and what I want addressed, is why these rules and regulations are not followed fully and FAIRLY among all customers and at all branches. This matter borders on discrimination. I am filing this complaint in an effort to bring these problems to light and ask that your office investigate the validity of the banks rules on cashing checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: TX

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-02 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Paid credit card payment 3 weeks before due date, XX/XX/XXXX. I noticed it never got credited. Due date was XX/XX/XXXX. I called and spoke to several different people at XXXX, several different days. Finally spoke with a manager, XXXX who found that they posted it to my PayPal MasterCard instead of my XXXX MasterCard. XXXX said give it 48 hours to be moved. As of today, XX/XX/XXXX, it stil hasn't posted. Yesterday, XX/XX/XXXX, I called again to synchrony Bank and spoke with XXXX in customer service, who told me it wasn't posted. I asked for another manager & spoke with XXXX who said he read all of the notes, which he said were MANY. Puzzles me because how hard is it to move a payment? XXXX-advised he read the notes on my account state it went to corporate office but not why. They had charged me a late fee but XXXX reversed it. I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XXXX spending an extensive amount of time only to be told excuses although XXXX indicated last week she saw the proof of ei sent 2 weeks ago. So, I ask you whats the problem? What does their corporate office need to be involved for?

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 2019-04-02 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: CITIBANK, N.A.
State: CA

Complaint narrative:
was on vacation in XXXX on XX/XX/2018, and I had my credit card with me, I went to dinner and when I paid my bill I gave my card to the waiter to make the payment, the waiter left and a few minutes Then he return with my card and my bill. 
that was the only time I did not have my card in my hands Two days later when reviewing my account statement I realized that I had a charge of XXXX dollars from a bar restaurant in which I was not there that night and in fact I have never been in that place. 
I made my claim with the credit company and they did not want to follow my case because supposedly that payment was made with the physical card. 
I have asked for proof that it is actually my signature, because although physically I was supposed to sign. 
The credit card company never showed me any proof that the signature is mine or that in fact that receipt is signed. 
I was a victim of fraud and they ( the credit card company ) said that I have to make a report to the police, I was on vacation and I realized when I returned to the country. How am I going to return to make a report? 
I think they have an obligation to follow up and show me the proof that I was the one who was consuming XXXX dollars in food and alcohol for one person.

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 2019-04-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Chaos Home Loans LLC
State: KS

Complaint narrative:
OnXX/XX/2019 I applied for a VA home loan through Chaos Home loans everything was going good and we where supposed to close XX/XX/2019 that didnt happen and got pushed to the XXXX that didnt happen either we finally signed papers on the XXXX of XX/XX/2019 since then they have not funded the loan they keep coming back and saying there is an issue and they need more documentation I send it to them they tell the title company the funds ha e been sent then say it is held up by the bank. To make a long story short we keep getting lied to here it is XX/XX/2019 and they still have not funded the loan. I have a numourouse amounts of text and emails showing everything I am saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: MD

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I mailed certified letters to XXXX at XXXX XXXX  XXXX XXXX, TX XXXX disputing proof Under the Fair Debt Collections Practices Act ( FDCPA ), validation of the debt they said I owe. I recieved a letter from XXXX on XX/XX/XXXX stating that this account was validate without any proof. I also noticed that XXXX updated payment history from XX/XX/XXXX to XX/XX/XXXX. It appears that XXXX did not conduct a proper investigation, they just changed things on my report and were unable to provide proof Under the Fair Debt Collections Practices Act ( FDCPA ), validation of the debt they said I owe. Please see the below information, along with my attachments. 

Company Name : XXXX XXXX XXXX Partial Account # : XXXX Social Security : 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 2019-04-02 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: MD

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I mailed certified letters to XXXX at XXXX XXXX  XXXX XXXX, TX XXXX disputing proof Under the Fair Debt Collections Practices Act ( FDCPA ), validation of the debt they said I owe. I recieved a letter from XXXX  on XX/XX/XXXX stating that this account was validate without any proof. I also noticed that XXXX updated payment history from XX/XX/XXXX to XX/XX/XXXX. It appears that XXXX did not conduct a proper investigation, they just changed things on my report and were unable to provide proof Under the Fair Debt Collections Practices Act ( FDCPA ), validation of the debt they said I owe. Please see the below information, along with my attachments. 

Company Name : XXXX XXXX XXXX Partial Account # : XXXX Social Security : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: AL

Complaint narrative:
My information was used to create accounts or obtain services that I never requested or recieved, these debts are medical in nature and are therefore violations of the HIPPA making me seem unhealthy or sickly unwarranted I decline the requests to do business with the collection companies on my credit reports at XXXX, Equifax, XXXX XXXX and XXXX have them to delete these illegal accounts which are violations of the FCRA and FDCA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
1. Two employees at SunTrust bank said that my mother did not have an account with them in XXXX XXXX of XXXX. 
2. We did not receive any late notices until XXXX of XXXX we received a notice of right to cure default {$6600.00} due on the XXXX. 
3. We called SubTrust and spoke to employee XXXX, then XXXX I asked if we could have paperwork on the account and was told there wasnt any paperwork it was their mistake and we would never hear from them again, Monday XX/XX/XXXX. 
4. On XX/XX/XXXX we recieived a letter from a debt collector attorney representing SunTrust a XXXX XXXX, I told him I wanted to see paperwork was that too much to ask he said no I asked if he could send it to me he said no not if I wasnt going to do anything he wasnt going to waste his time, I said ok I will and then it came in a summons on XX/XX/XXXX and there was a promissory note that I had not seen before. 
5. I filed a complaint with the attorney general office and a representative from SubTrust called me XX/XX/XXXX, she said we would hear from them in 15 days or less, I have called their team to find out if they have any paperwork on the account and they are still working on it, we just need some answers to save our home

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 2019-04-02 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: CA

Complaint narrative:
XXXX XXXX XXXX  XXXX I have never opened an account with this company. This company is seriously impacting my ability to get a job, and the bureaus is not maintaining fair accurate information. This company also fraudulently pulled my credit without my consent.

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 2019-04-02 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: IL

Complaint narrative:
According to American Express, I enrolled in premium car rental protection online in 2014, which I don't believe I did. In years past charges of {$24.00} were automatically added to my card when I rented a car using their credit card. I had disputed the charges and they said they would cancel this automatic charge of {$24.00} when I rented a car using this card. That has not been the case, I received another {$24.00} charge and was told it was not cancelled until this year on XX/XX/XXXX, which is not true ... it was cancelled years ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-02 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: TX

Complaint narrative:
Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX - partial account number XXXX. ( Please see page 6 and 7 of the  attached credit report. ) This account needs to be coded as an M1. It is showing that I am 30 days past due. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: MD

Complaint narrative:
I was noticing a few days before my direct deposit was supposed post I tried to open my account using my phone and on the computer and I couldn't open my account at all. XX/XX/XXXX ( Thursday ) I  called the bank to find out why I couldn't open my account that is when I found out that there was a write of garnishment of property on checking account. I called Cavalry Portfolio Services and spoke to a women ( do not recall the name ) who answered the phone and taken my up dated information and I ask her why didn't they go thru HR with DoD which I've been employed for the past XXXX and not XXXX which was a part job which I have not work for in over a XXXX XXXX she said they couldn't locate me and that was very hard to believe. 
XX/XX/XXXX : I went to the court house in XXXX XXXX County I spoke with an appointed court attorney explain to them ( her ) that I didn't know a third party company could block my bank account from any debits from my bank account until the entire amount is paid, I have no money to pay any of my bills. I was asked to get copy of the case that was filed this affidavit was served on XX/XX/XXXX to the address of XXXX XXXX XXXX  XXXX XXXX XXXX MD XXXX. 

My concern is this form is the exact form submitted on XX/XX/XXXX .... nine years ago and now submitted again without even trying to locate me or thru the HR department at XXXX XXXX XXXX XXXX where I've been the last XXXX know, I believe this was purposely done, not to collect the amount XXXX XXXX purchased it for but the interest for the past nine years included. 

Know the other problem I have with this Writ of Summons is .... I was living in XXXX Va. at XXXX XXXX XXXX XXXXXXXX XXXX during time they said I was served or summons ( I have attachments of w-2 form ) and I didn't find it in my last year credit report and I request another for this year. I also believe this account is not mines and I say that because XXXX I was living in XXXX Va. I just do not remember this account .... if my name is attached to this account it may be fraudulent someone may have gotten my info ... really don't believe this my account I just do not remember. is why wait so long and why not for thru my job where I've been employed for the past XXXX? know I'm about to get evicted cant pay bills, cant buy grocery, barrowing money form my medication just had XXXX XX/XX/XXXX from my XXXX reversal. 

This type aggression to collect debt that is not initially there is very destructive and emphatically unmoral worse than sharks ... this is " tort ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have some issues with someone using my name and information to open up accounts cable and utilities. I have addresses on my credit report that are not mine. Never lived at theses address it is possible that they belong to a EX or family member. I have a common name and I am a XXXX. The following addresses need to be deleted they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX SQUIRREL XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have some issues with someone using my name and information to open up accounts cable and utilities. I have addresses on my credit report that are not mine. Never lived at theses address it is possible that they belong to a EX or family member. I have a common name and I am a XXXX. The following addresses need to be deleted they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
Capital Accounts never contacted me whatsoever about this debt they think I owe and then began to assess fees on the debt which has dramatically negatively impacted my credit score. 

My credit report ( that I had to pull to even discover this company 's actions against me ) shows the date opened as XX/XX/XXXX but that the debt was first reported XX/XX/XXXX with a {$490.00} balance. They began to assess fees against the debt in XX/XX/XXXX and have continued to report that to the credit agencies. 

I received no notice of my rights to dispute the debt from their company. I received no notice of anything from this company. I had to undertake sending a dispute letter to them after discovering the nearly 70 point drop in my credit score. 

Absolutely ridiculously unprofessional and likely illegal behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: NY

Complaint narrative:
I have informed this company many times in the last few years that this is not my bill. From the moment it showed up on my credit report I have tried to make them understand that I was not in the state during the time this bill came due. Credit protection said if I wanted to depute I could so I did. They then told me to drive to Kentucky from New York and file a police report in order for them to stop attempts to collect this debt. As a single mother veteran living off of XXXX I can not afford to do this and my local police department will not allow me to take action here. In the XX/XX/2018 and again in the XX/XX/2018 I contacted the company asking if they would accept a settlement because even though it was not my debt I need it off my credit report and had tried to find a way to take legal action but had come up short. Both times the company said they were unwilling to accept a settlement because I owed the debt and they had to " buy it at full cost. '' The second time I had spoke to the company in the fall I explained again that i was not in the state at the time and asked for validation which I never received.

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 2019-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
4 phone calls from PayPal credit between in 7 hours is excessive. I am at work Im not answering their calls. 

XXXX XXXX XXXX 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 2019-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Hyundai capital America has reported that I owe a remaining balance of {$980.00} for the Hurricane Flood that totaled the car and I had Gap insurance along with full coverage. There should not be a remaining balance due and it is false.

Company response to consumer: Closed with explanation