vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
This involves a Synchrony Bank Gap Visa Account 1. There was a delinquent balance of {$3000.00} on the account as of approximately XX/XX/XXXX 2. After repeated calls and letters from the creditor we agreed to a settlement to made over a period of time. 
3. All payments were made as agreed 4. On XX/XX/XXXX Synchrony Bank sent a letter states that the account was settled and that there is a XXXX  balance. 
5. On XX/XX/XXXX I received a call trying to collect {$2200.00} which I assume is the original balance plus interest and penalties less the settlement payments. 
6. My husband returned their call and informed them the account was settled and he was told that it still showed a balance. He confirmed that they still show a balance due. Where upon he informed the person that the account was settled and that we are in possession of the letter from Synchrony indicating such. My husband became upset and told them he was going to file a complaint and would sue them if this was not corrected. He instructed them not to contact or call us again. 
7. It appears that Synchrony is trying to defraud us out of additional money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: GreenSky, LLC
State: OH

Complaint narrative:
Below is what I sent to the company by email on XX/XX/2020 and also by certified mail on XX/XX/2020. 

" I called and requested a payoff amount for my account on XX/XX/2020. I was provided the figure of {$20000.00} to pay my balance in full. I then went to my bank and got a cashiers check made in the amount of {$20000.00} and mailed it to you. You cashed the check on XX/XX/2020. I recieved a bill this month for {$180.00} my account should be paid in full and closed. I called and asked for the payoff and then promptly sent you the check for that amount. Please rescind these charges and close my account '' They have not addressed the issue and continue to bill me and charge more interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA
State: NJ

Complaint narrative:
This account was transferred from XXXX/Yahama to Yamaha Motor Finance Corp but I have yet to receive a bill and how to pay. Now during this pandemic, my score dropped almost 60 points because they are reporting me late but I was not given a chance to pay since they sold my account to another servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: AR

Complaint narrative:
EQUIFAX KEEPS REPORTING BK XXXX BELONGS TO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
I am trying to withdraw {$3400.00} from my Robinhood brokerage account. All the funds have been settled in my account for at least 2 weeks. 

My account was restricted due a to a previously failed deposit from my bank account to Robinhood. This deposit was for {$5000.00} and when the deposit was returned, Robinhood ALREADY subtracted the {$5000.00} from my Robinhood account. This {$3400.00} still in the account is in excess of that deposit and has nothing to do with the {$5000.00}. 

I have been emailing Robinhood support since XX/XX/XXXX for them to lift the restriction and allow me to withdraw the funds. I am subsequently closing my account because of the incredibly poor customer support - there are many people on XXXX claiming to be having the same issues and lack of response from Robinhood. 

I have sent multiple messages and been in touch via XXXX Direct Messages with their support account who keeps telling me they are escalating my case. However, today they just told me they want me to deposit another {$5000.00} to my account in order to lift the restriction. 

I will not be doing that. I want to withdraw the money which is RIGHTFULLY mine and close my account immediately. 

If my account were negative as a result of that initial deposit being returned they would most certainly report it to credit bureaus and ding my credit report. This is an incredibly shady practice on their end holding thousands of dollars of mine hostage My Robinhood account number is : XXXX Support Case ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit card or prepaid card — Store credit 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: FL

Complaint narrative:
On XX/XX/XXXX I purchase a refrigerator online from Home Depot. On XX/XX/XXXX around XXXX I received a call from Home Depot asking if I was making charges for {$4800.00} in XXXX XXXX, TX. I said no. He said he was close my account and decline the charges. He said I would be sent new cards. On XX/XX/XXXX I looked at my account online and saw that the account had not been closed. Fraud charge was still on. I called again. The customer rep. said she would close the account and remove charges. I asked her where the charges were made. She told me XXXX XXXX, TX. It was XXXX XXXX XXXX from XXXX, TX who made the charge. Today, I look at my account again. I was issued new cards which are in the mail, but that {$4800.00} charge is still on my account. I called again. Ended up talking to XXXX in the fraud dept. Nothing they can do for 60-90 days. No investigation was started till I called on Sat and now it takes 7-9 days before they start. I am applying for a mortgage and can not have this huge mistake on my credit report which could affect the outcome of a mortgage.

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 2020-05-28 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: TX

Complaint narrative:
The Fair Debt Collection Practices Act prohibits debt collectors from using any harassing or abusive practices in an attempt to collect the debt. ... Call repeatedly to annoy or harass. Call you to collect payment without identifying themselves as debt collectors. List your debt for sale to the public.

The Fair Debt Collection Practices Act prohibits debt collectors from using any harassing or abusive practices in an attempt to collect the debt. ... Call repeatedly to annoy or harass. Call you to collect payment without identifying themselves as debt collectors. List your debt for sale to the public. 
XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- XXXX XXXX XXXX {$390.00} High Balance {$390.00} Remarks Placed for collection XX/XX/XXXX Creditor Name XXXX Account Type Charge Account Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1100.00} Term -- Monthly Payment {$0.00} XXXX XXXX XXXX {$0.00} Highest Balance {$740.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times 30/60/90 Days Late 0/0/0 Remarks Payment after charge off/collection Paid collection XX/XX/XXXX Creditor Name XXXX  XXXX XXXX  Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 24 Months Monthly Payment {$0.00}  XXXX XXXX XXXX {$0.00} Highest Balance {$7700.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times XX/XX/XXXX Days Late 0/0/0 Remarks Charged off as bad debt Dispute resolved ; customer disagrees XXXX XXXX  Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$2000.00} Term -- Monthly Payment {$0.00} XXXX XXXX XXXX {$1900.00} Highest Balance {$2100.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due {$1900.00} Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Canceled by credit grantor

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: TX

Complaint narrative:
The Fair Debt Collection Practices Act prohibits debt collectors from using any harassing or abusive practices in an attempt to collect the debt. ... Call repeatedly to annoy or harass. Call you to collect payment without identifying themselves as debt collectors. List your debt for sale to the public.

The Fair Debt Collection Practices Act prohibits debt collectors from using any harassing or abusive practices in an attempt to collect the debt. ... Call repeatedly to annoy or harass. Call you to collect payment without identifying themselves as debt collectors. List your debt for sale to the public. 
XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$390.00} High Balance {$390.00} Remarks Placed for collection XX/XX/XXXX Creditor Name XXXX Account Type Charge Account Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1100.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$740.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times XX/XX/XXXX Days Late 0/0/0 Remarks Payment after charge off/collection Paid collection XX/XX/XXXX Creditor Name XX/XX/XXXXXXXX XXXX  Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 24 Months Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$7700.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Dispute resolved ; customer disagrees XXXX XXXX  Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$2000.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$1900.00} Highest Balance {$2100.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due {$1900.00} Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Canceled by credit grantor

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: TX

Complaint narrative:
The Fair Debt Collection Practices Act prohibits debt collectors from using any harassing or abusive practices in an attempt to collect the debt. ... Call repeatedly to annoy or harass. Call you to collect payment without identifying themselves as debt collectors. List your debt for sale to the public.

The Fair Debt Collection Practices Act prohibits debt collectors from using any harassing or abusive practices in an attempt to collect the debt. ... Call repeatedly to annoy or harass. Call you to collect payment without identifying themselves as debt collectors. List your debt for sale to the public. 
XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$390.00} High Balance {$390.00} Remarks Placed for collection XX/XX/XXXX Creditor Name XXXX Account Type Charge Account Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1100.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$740.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times XX/XX/XXXX Days Late 0/0/0 Remarks Payment after charge off/collection Paid collection XX/XX/XXXX Creditor Name XXXX  XXXX XXXX  Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 24 Months Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$7700.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Dispute resolved ; customer disagrees XXXX XXXX  Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$2000.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$1900.00} Highest Balance {$2100.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due {$1900.00} Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Canceled by credit grantor

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Pnc is blocking XXXX transactions for no apparent reason Also it's pretty complicated just to file an initial complaint on this site.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED 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 2020-05-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED 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 2020-05-28 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: LA

Complaint narrative:
I have been trying through Experian and XXXX to have the delinquent status of the XXXX  removed from my credit report. I filed a dispute with Experian and supplied documentation from XXXX  of the payment accurately made and that XXXX had indicated in a letter to me that they in fact received my payment and the reporting would be updated. It still hasn't. I just received notice, XX/XX/2020 that the information Experian has and investigation of the dispute not handled and below is the email received on the Experian dispute Results Report Number : XXXX Date Generated : XX/XX/2020 XXXX XXXX XXXX XXXX  Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

I have two documents 1. receipt of payment 2. letter from XXXX acknowledging ( which has been supplied directly to Experian )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
COMPLAINT ALREADY SUBMITTED. # XXXX I NOW HAVE THE INFORMATION FROM MY XXXX LOAN DEPT  AT MY BANK PROOFING THAT TRANSUNION IS CONTINUALLY REPORTING INCORRECT INFORMATION REGARDING THIS MORTAGE LOAN. IF YOU NEED IT TO SETTLE THIS PLEASE LET ME KNOW THE NEXT STEP. IT HAS BEEN 13 DAYS NOW SINCE I FILED WITH YOU XX/XX/20. I UNDERSTAND THAT I SHOULD GET SOME KIND OF NOTIFICATION WITHIN 15 DAYS. THANK YOU AS YOU CAN SEE I AM PRETTY UPSET ABOUT THIS IRRESPONSIBLE REPORTING ON TRANSUNION 'S PART AND THEY ARE DOING NOTHING TO RESOLVE THIS. I HAVE DONE ALL THE LEG WORK FOR THEIR MISTAKES. AND IT'S MY CREDIT REPORT THAT IS SUFFERING. 
TRANSUNION MAKES IT ALMOST IMPOSSIBLE TO CONTACT THEM TO RESOLVE ANY ISSUE. I HAVE ALSO WRITTEN TO THE CEO OF TRANSUNION ABOUT THIS. 
NO RESPONSE XXXX XXXX XXXX. XXXX  XXXX XXXX IL. 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 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In order to delete fraudulent and inaccurate accounts I sent XXXX notices to EQUIFAX, XXXX, and XXXX  that have not been rebutted. XXXX on XX/XX/2020, the second on XX/XX/2020 and the third on XX/XX/XXXX. No verification, validation, proof, evidence or rebuttal in the support of inaccurate reporting has ever been established. All three companies have failed to in their obligation to uphold the Fair Credit Reporting Act and someone soon needs to hold them accountable. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched XX/XX/XXXX USAA STATEMENT note : all XXXX XXXX total {$470.00}. See attatched XX/XX/XXXX USAA STATEMENT XX/XX/XXXX {$8.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX total {$470.00} ARE *DUPLICATE TRANSACTIONS ON ACCOUNT ( 2 ) TWO TIMES. ONCE *XX/XX/XXXX AND ONCE XXXX XXXX TOTAL {$470.00} See attatched USAA REVIEW OF YOUR CLAIM COMPLETE XX/XX/XXXX THE REVIEW OF DUPLICATE TRANSACTIONS CONFIRMS * NO FRAUDULENT ACTIVITY FOUND AFTER REVIEW OF YOUR CLAIM. USAA posted Fraud Credits XX/XX/XXXX {$460.00} AND REVERSED THESE OLD FRAUD CREDITS XX/XX/XXXX & ALSO ON XX/XX/XXXX. LAW REQUIRES DUPLICATE TRANSACTIONS XX/XX/XXXX {$470.00} BE PAID AND INTREST. LAW REQUIRES WRITTEN FRAUD NOTIFICATION USAA DOES NOT PROVIDE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation