vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-09 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
XXXX XXXX XXXX On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX XXXX My first purchase was with sales associate XXXX my order number was # XXXX in the amount of {$1900.00}. I paid {$260.00} leaving a balance to finance of {$1600.00}. 
Then I went to the other side of the store to XXXX XXXX XXXX XXXX and the sales associate was XXXX my order number was # XXXX in the amount of {$3000.00} On XX/XX/XXXX XXXX XXXX XXXX charged my account {$1500.00} and I hadnt been in the store to purchase anything since XX/XX/XXXX. I have been working with XXXX XXXX XXXX since XXXX when I saw my statement to get this resolved and it has not been resolved as of XX/XX/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 monetary relief
Consumer complaint received 2022-02-09 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: NY

Complaint narrative:
To someone that can help me, I am very deeply upset about all these erroneous items that are reporting incorrectly on my credit report. These accounts are unverifiable, invalidated, inaccurate, & FCRA violations. If everything is not reporting 100 % accurately it must be removed. These inaccurate items on my report are causing me hardship, I can not get a vehicle or apartment for me and my kids. It is my understanding that you will do an investigation immediately & you will send me a new credit report that reflects the updated changes. According to law, unverifiable inaccurate accounts must be removed and if you are unable to provide me a copy of the verifiable proof in 15 days after your investigation you must remove the account.

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 2022-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
Hello, I was lured by XXXX XXXX during my last semester at XXXX TECH to join them for a Bachelors 's degree. - I understand that this was my decision at the end-. 
However, I was led to believe that I was going to be able to pay this easily by going into pay as you earn. when I obtained my bachelor 's in XXXX, I was pretty much forced to get the pay as you ear deal due to my low income. my income has not changed in the past 6 years. I make XXXX a year, so my payment has been around 100 dollars. This has increased my loan until covid that now is actually XXXX dollars less in principal than I had in XXXX. 
This has caused many problems over the years to be able to qualify for other loans. lenders don't see the {$100.00} payment, they see the {$29000.00} and the {$450.00} dollar payment I would have if I am not in the pay as you earn program. 
when I purchased my Home years ago, I qualify for less than I should have so I bought a smaller home foreclosed that needed work rather than going with a better and bigger home for my children. 
I now have a much bigger problem, I wish to better myself and move to a bigger city such as the XXXX XXXX XXXX area to find better employment opportunities. With the housing market ( XXXX ), again, I am unable to afford a house that doesn't need work because lenders take into consideration the {$29000.00} or {$450.00} payment. I am unable to help my kids co-sign for vehicles so they can have the means to get employed. 
My situation has caused my kids ( XXXX and XXXX ) to even consider getting an education due to the struggle they see from their mother 's student debt. 
I could have obtained jobs making $ XXXX without a college education, or just with my XXXX XXXX from XXXX XXXX. My degree has been pretty much worthless financially, and I can't get into the TODAY housing market or co-sign for my kids due to the loan. my credit score is XXXX. 
This situation should not happen, it should be illegal. especially for single moms that already struggle to raise kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avadyne Health Holdings, Inc
State: IA

Complaint narrative:
I had a medical bill of {$170.00} ( which is peanuts! ) that they were sending to wrong address and i never got it. I never even got a call. I saw on bureau so paid it but the reporting is still there. It reported me over 60 days past due from XXXX XXXX. I asked them to remove since never got bill and small amount i would have paid and looking at bureau you can see mistake since only late bill ever. i called again to submit formal dispute and rep told me they dont have a dispute process. I worked in collections for 10 years and know my rights and asked to speak to supervisor. He said he was. I asked to speak to his supervisor and he put me on hold for over 20 minutes. someone came on who said he could flag as dispute but nothing else since sent debt validation- which told him again was wrong. i asked for complaint process which he sent me to voicemail.

Simple mistake of no bill and i dont think my overall credit score should be damaged by it for {$170.00} for 7 years which he told me nothing can do. 

the name of the company is H & R Accounts Collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Hello, I reached out and spoke to a representive regarding my account. The account showed it went delinquent in XXXX XX/XX/XXXX. I spoke with a representative and explained what took place. 

XXXX. Was hospitalized and did not know payments were not received. 
XXXX. Government employee required to maintain a certain credit score. 

The representative informed me she would put notes in the account and for me to write a letter and send the documents to XXXX XXXX XXXX, XXXX OH. XXXX and as a XXXX time courtsey they would delete these items for me so, I would not lose my job. 

The customer service represenative did not uphold their end, after contacting XXXX again, I was told their was no way a person could have told me that. I asked for an email address and I was told there was not XXXX. I was advised to mail in anything I have to the XXXX Ohio address. 

As of XX/XX/XXXX, I was terminated from my job for failure to maintain the credit score requirement. I ended up filing a lawsuit against my former employer. We are in discussion and they have agreed because of my outstanding record to allow me to be rehired, but this account must be either removed totally or deleted. 

My attorney has sent documentation and reached out to Comenity for help with an attempt to resolve this. XXXX representatives hung up after telling the attorney the only thing she could do was send the documents again. The case is back before the judge XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I do not own an LL Bean credit card nor have I ever. It's reporting that I do and my report went down two points.. I have fraud alerts and freezes on my credit due to occurrences like this. I have not ever been an LL BEAN XXXX HOLDER. Not now or in the past. Calling the creditor using the number given on my report just now, they also couldn't find an account with my social security number and therefore couldn't/would n't address it. Please do rectify this mistake correct my credit report score and it showing I have ever had an account with them.

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 2022-02-09 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: NJ

Complaint narrative:
Account on my report I do not recognize XXXX XXXX XXXX {$870.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I obtained a loan from Security finance. I have received repeated calls in regard to collecting the debt which is fine. However, they are calling me back-to-back. On XX/XX/XXXX they called at XXXX and again at XXXX. on XX/XX/XXXX they called at XXXX and XXXX. I believe that is a form of harassment. I also have repeated calls on several other dates. Since I have not responded they skip traced and called someone that I did not use as a reference and left a message using the words desperately and imperative giving a sense of emergency that I reach them today. They spoke to an elderly person stressing them out. I did not give them permission to call anyone else other than the references on my initial application.

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 2022-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUIDANCE RESIDENTIAL, LLC
State: TX

Complaint narrative:
XX/XX/XXXX - Won an offer to purchase a home at XXXX, TX XX/XX/XXXX - Got per-qualification letter XX/XX/XXXX - Application submitted, we had only XXXX days for financial approval and end date was XXXX XXXX XX/XX/XXXX - Initial Disclosure signed XX/XX/XXXX - Required documentation uploaded, at this point Guidance Residential verified that my co-signed property which was in forbearance is exited with XXXX trial payments, Guidance agent XXXX only told me that if I can only show XXXX payments done on forbearance property, I will get loan XXXX XXXX  sure. But he didn't told me that the documentation also need to be completed and mortgage statement have to reflect that, otherwise I would not apply loan without ensuring those documents. We showed him XXXX payments and he was okay with that, no more question asked until XXXX XXXX and its too late to save my {$10000.00} earnest money. 
XX/XX/XXXX - Rate locked to XXXX XXXX which was higher than others. 
XX/XX/XXXX - Loan was conditionally approved, we still have XXXX days left to deny the loan but Guidance Residential still didn't have any issue. 
XX/XX/XXXX - Home was appraised XXXX - XXXX ordered XXXX- Guidance Residential denied the loan based on the Forbearance property documentation issue. 

The complain is, Guidance agent ensured that I will get loan only If I can show XXXX payments on the forbearance property, but they didn't tell me I need to have updated documentation and mortgage statement as proof, if they would told me that, I would not apply loan before I receive those documents. Now they denied me as I don't have those documents yet, and they did it when my financial approval period is over, and now I have to lose {$10000.00} earnest money. They deceived me. There should be a law to enforce Mortgage Lenders to deny loan within the financial approval time so that we don't lose earnest money. This happened XXXX times, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
Please be advised this isn't a bill or contract with specifics of this visit & treatment. I've advised multiple times I'm 100 % service connected XXXX veteran. All my care is with VA & this inhouse printout doesn't validate this as a debt. It also doesn't give you the right to purchase a debt as a XXXX XXXX collection agency & place it on my credit reports. I will be contacting the Federal Trade Commission & pursuing legal advice against Americollect. You've failed to provide a valid statement detailing these charges. You have failed to also provide any signed documents regarding thismatter. I lost my job of XXXX years prior to this transaction. I've been covered through VA since XXXX & private medical insurance when I was employed up to XX/XX/XXXX. 


Please remove this debt from all my credit reports due to failure providing valid medical records of this visit. If I don't receive verification within the next XXXX hours of either medical records of this XXXX  visit or proof it's removed I will take every steps within my legal rights to seek financial damages for the XXXX XXXX XXXX  this has caused. 


XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The below accounts are reporting to all three credit bureaus and they do not belong to be, I have listed them below 1 ) XXXX XXXX XXXX XXXXXXXX Account # XXXX Opened date XX/XX/XXXX Balance {$260.00} 2 ) XXXX XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$1800.00} 3 ) XXXX XXXX XXXX Account # XXXX Amount {$200.00} '' 4 ) XXXX XXXX XXXX XXXX  Account # XXXX Amount {$160.00} 5 ) XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Amount {$130.00} 6 ) XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Amount {$120.00} 7 ) XXXX XXXX # XXXX Amount {$43.00}

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 2022-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
I got a physical mail about some XXXX bill of {$4800.00} for XXXX construction, that has my home address to it. 

I am sure its a scam as when I called them back they asked for last XXXX of my social. When I did not give the same, they said account number has been removed and hung up. 

Following are the details of the company that sent me the email : Convergent outsourcing , INC . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, WA 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 2022-02-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Neither my XXXX or I were notified that our XXXX was being transferred to another company. We were never told, before or after, where our money was transferred to. Customer service was XXXX. Never apologized to. Closed my accounts after XXXX years. Wife closed her accounts also. Closed my credit card account and both of hers. Very disappointed in company and how we were treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Allegiant Capital Recovery LLC
State: WV

Complaint narrative:
On XX/XX/2022, a text message from XXXX messaged me with the information included in the attached screenshot. This is not a number or company I am familiar with and I am NOT the intended recipient ( I do not share a similar name with the intended recipient and I have no business with any related parties ). The included PII should not have been shared with me so freely, especially without any requirement for me to authorize my identity ( which would have not provided me access to the PII ) and seems incredibly unprofessional and unsafe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I told Navy Federal that my card was lost and stolen and because there was fake checks deposited into my account. so we closed that account and opened a new account. So my check of XXXX was in the new account and they transferred it to the old account. Now they're saying that I'm the one that transferred it to the old account and since whoever got had my card when they deposit the checks they would draw {$220.00} and they said that it was me because they were still able to use the account after I closed i. And ever since I made a complaint against them they've been putting me on hold for a multiple times for multiple minutes and and they just called me too much pain and grief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
Nothing, I was a victim of identity theft and someone has stolen my identity And us it for fraudulent charges without my knowledge and I did not receive any money or no compensation for my identity that was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pavilion Payments US BuyerCo, LLC
State: NC

Complaint narrative:
On XX/XX/2021 I attempted to set up a {$30.00} online payment with XXXX I made a typo in my account number and when I tried to fix it, the site wouldn't let me backspace and instead submitted it with the wrong account number. I tried to cancel it, I deleted the wrong info and put in a new account number, but instead of deleting the wrong one it created a second payment. I immediately contacted their online chat and tried to get it resolved, to no avail. After XXXX minutes with their chat person their answer was that they couldn't cancel a " successful '' transaction. I told them it was not successful because it was the wrong account number, but they refused to do anything about it. I emailed their customer service but they also did nothing. I contacted my bank and all they would tell me they couldn't do anything. Then I got a letter from Global Payments Check Services LLC telling me that I now owe them {$55.00} dollars and when I tried to dispute that amount they hung up on me. I have a right to dispute it, but they refused to allow it. This whole thing is because their website screwed up and now I'm being charge an XXXX percent penalty for their incompetence. It feels like a scam to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-09 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:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-09 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:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated XXXX  XXXX ( XXXX ) XXXX ) by failing to mark this disputed account as disputed XXXX ( XXXX ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating XXXX XXXXXXXX per the XXXX opinion.

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