vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
An identity theft used my personal data to apply for a Paypal Credit account in XXXX of 2020. I have credit monitoring tools, so I was alerted and reported this to Synchrony/Paypal Credit immediately. Because of my quick response, they took {$0.00} loss since the fraudster didn't even have a chance to use the account before I had it reported and closed. 

As part of the closure process, I was assured the credit inquiry would be removed from my XXXX  credit file, as these can have an adverse impact on credit. Over a year, and 5 phone calls later, they have failed to remove it. I have even sent written requests. The most recent one I sent, I received a letter in response but they failed to take the required action as promised in the letter. I talked to them today, and asked for a confirmation that the request was made, and/or a follow up call to confirm. I was told that they have no way to offer either. I am expected just to wait for the letter that they will supposedly send me with 30 days, and if I don't receive it to call them back. This is the fifth time I have been through this loop. He said he didn't see any evidence that it had been requested on my behalf at all. 

It is completely unacceptable that Paypal Credit/Synchrony Bank will not give me any options, refuses to be held accountable for completing something they are required by law to do, and have failed to follow through completion of the required action despite promising me over & over that it had been done. Their inaction is having an adverse impact on my credit, even though they know the account opening was fraudulent, and took the steps necessary to protect THEMSELVES because of this, but won't take the simple step to help the identity theft victim by removing the credit inquiry.

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 2021-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
The mortgage company claims that they post my payments to my account on the date that they receive them, but my statements show that this is not true. 

My XX/XX/XXXX statement shows a {$400.00} payment received on XX/XX/XXXX that was put in a suspense account and not applied to my mortgage account. That statement also shows a payment due amount of {$300.00} due on XX/XX/XXXX. My normal monthly payment is {$700.00}, thus they are acknowledging the extra payment was made but did NOT put it in my account. 

My XX/XX/XXXX statement shows the money finally being deposited on into my mortgage account on XXXXseveral days after they received received the payment. 

It looks like they changed their process in XX/XX/XXXX. 

I send 2 checks automatically one for the regular mortgage payment and a second one for the extra principal payment. 

Prior to XX/XX/XXXX, they would post two transactions on my statement on the same day the regular payment and the extra principalboth going directly into my account. 

On XXXX they started posting my extra principal check to a suspense account instead of posting it directly to my account. They would later move it out of the suspense account and the finally credit to my mortgage account. In other words, my principal payment was passing through a suspense account instead of going directly into my account. They did not do that to my regular payment. 

So in XXXX I had a total of 4 transactions ( 3 for the principal only payment ; 1 for the regular payment ) on my statement instead of 2 transactions. 

On XX/XX/XXXX they received my principal payment and posted it to a suspense account. On XX/XX/XXXX they posted my regular payment. Then my statement was sent to me. The credit of my XXXX payment was not applied to my account until XXXXthey left it in the suspense account. 

It is also curious is that my automated payments have not changed in probably a decade. They have typically arrived a day or two before or so before the first of the month, but now with NewRezs processing changes the payments are dated as being received 3-4 days later, curious that maybe the check posting process is taking longer with these addition accounting moves with suspense accounts. 

Compounding this, when my mortgage was transferred in XXXX and my payments were going to my old mortgage company, they were transferring the payments to the new mortgage company over ~2 weeks after they had been received by the original mortgage company. I was told there was not a penalty to me for that, but I am now concerned that the delay of the transfer from one mortgage company to the other may have resulted in extra interest costs for me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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:
My credit score from TransUnion dropped 121 points on XX/XX/2021 with NO negative reports on my credit score. I have tried to resolve this with them directly but they can not explain the drop. I will be harmed financially if a creditor checks my report with TransUnion for a new loan. 

This is the second time this has happened in the last 45 days with the last drop of over 60 points for no reason and no explanation. Upon my calls, the issue just went away again with no explanation. The fact that my score can be rated at XXXX XXXX a D ) will harm me financially with lenders, car insurance analysis, employers.

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 2021-06-05 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: NJ

Complaint narrative:
I am so sorry to bug the CFPB, I have tried to resolve this over the last month and a half. Experian will not update my personal info which is two extra incorrect names and an erroneous unauthorized soft inquiry. 
Maybe the CFPB is able to help. 
Thanks

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 2021-06-05 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: WA

Complaint narrative:
Transunion has a hard inquiry on my report from : XXXX XXXX XXXX XXXX XX/XX/XXXX - I did not request or authorize this. I went to transunion to freeze from credit due to receiving two letters dated XX/XX/XXXX from XXXX XXXX  - stating I was denied credit to open a XXXX XXXX  account ( which I did not do ) and XXXX  XXXX  as well. I will upload those two letters - but assume i need to report each one separately?

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 2021-06-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have contacted XXXX  numerous times since almost 2 weeks now but the issue has not been resolved. I can not login to my account to dispute a report. I have brought this issue to their attention, however, I am often getting the run around and they have not been able to resolve this issue. Hence, I decided to seek help here as my credit score is very important to me. I would like to resolve the dispute issue in a timely manner.

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 2021-06-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have contacted XXXX  numerous times since almost 2 weeks now but the issue has not been resolved. I can not login to my account to dispute a report. I have brought this issue to their attention, however, I am often getting the run around and they have not been able to resolve this issue. Hence, I decided to seek help here as my credit score is very important to me. I would like to resolve the dispute issue in a timely manner.

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 2021-06-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Social Finance, Inc.
State: NE

Complaint narrative:
On XX/XX/2021 I requested an ACAT to transfer all of my publicly traded stocks, and cash from the brokerage Social Finance , Inc. DBA SoFi Invest to the brokerage XXXX XXXX XXXXn the amount of {$1900.00}. 
On XX/XX/2021 I received an email from SoFi Invest ( investsupport@sofi.com ) denying my request to transfer all of my stocks and cash out of SoFi with the following explanation : " Our Invest accounts must be funded for 60 days before an ACAT transfer out can be processed. '' On XX/XX/2021 I called Social Finance, Inc. at XXXX and spoke to a representative who explained to me that SoFi had denied my transfer in order to hold my stocks and cash for 60 days. I informed the representative that according to the SEC website that by law the ONLY reasons SoFi would be legally able to reject my ACAT transfer would be due to improper filing, or questions on share ownership. Neither of which apply to me. Therefore, I require SoFi to approve my ACAT and release my publicly traded stocks, and all cash ( less the {$75.00} transfer fee ) to the brokerage XXXX XXXX as requested. I alerted the representative that were the ACAT denial not reversed that I would be filing a complaint with you, the Consumer Financial Protection Bureau. 

I am filing this complaint in order to alert Social Finance , Inc. that they are willfully and knowingly breaking SEC regulations by denying my ACAT transfer out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc.
State: SC

Complaint narrative:
This medical collection agency ( FST FIN MGMT ) Acct # XXXX is still reporting on my credit after I have received written proof that they was going to ask the credit bureaus to remove this from my credit report. It still reporting to XXXX  and 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 2021-06-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
The alleged creditor claimed I owed a amount this is does not support any evidence of this claim amount. This alleged debt is pass the statutory limit, and does not have factual information. This company sold my information to a another entity in which is is a non government or state regulators business. The entity charged the loan of fault ( FL USURY 18 % ) This entity is claiming a debt that is not owed by me and any debt related to social security XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
In 2018 I became XXXX XXXX a few months after signing a 15 month lease with XXXX  XXXX XXXX  XXXX. Id had a 4 level XXXX XXXX in my neck, and even reinjured it, had a series of XXXX XXXX  XXXX, & at XXXX years old, became unemployable. I spoke multiple times with XXXX XXXX, manager at the property & executed a notice to move out. I was then, and am now, very ashamed. But I had little choice. Ultimately in XXXX of 2018 I was awarded full benefits effective XX/XX/2018. I moved because I needed a lot of therapy I could not get nearby. And I couldnt drive because of the XXXX. XXXX XXXX XXXX  came to get me after I XXXX, once right in the parking lot on the concrete. I was in a XXXX, then had a XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX But I needed medical attention I couldnt get locally, and the only place that would take me was 27 miles away & I had to be there everyday. I sent XXXX XXXX an email asking for relief, but she didnt respond. I also asked for a copy of the lease, which I never signed, electronically or otherwise, but I did live there, I paid on time while I still had money & even though my pay from my employer ran out in XXXX I continued to pay but needed significant treatments. The issue now is that Im homeless, and can not rent even section 8 housing because of the collection of {$4800.00} they levied against me. Ironically, XXXX XXXX told me they had a wait list for new tenants and the unit would rent quickly and originally, within 2 weeks, they sent me a collection for {$9800.00}. Since the law is clear that they have to attempt to re-let the unit and mitigate the losses and there was a wait list IDK how they had the foresight to assess a {$9800.00} collection fee against me. {$4800.00} might as well be $ XXXX to me, because thats what it feels like. I called the collection agency representing the XXXX XXXX and they demanded {$3700.00} a one time 5 day take it or leave it offer. Ironically, this lease was my 2nd at the property and Id had no late fees or returned payments, Id written a very favorable Review ( since Id been complimentary of the managers ) published on XXXX and XXXX  that they promised a {$100.00} gift card for that Id never received. But when faced with XXXX  life changing circumstances, XXXX XXXX full time in college, I received a {$9800.00} bill amended to {$4800.00} later. But the facts are, I needed medical assistance I couldnt receive there. I couldnt have forseen the crisis I faced. Additionally, Ive been admitted 7x into medical facilities for XXXX  XXXX, 3x against my wishes. The company is the only one who can help me with this, yet attempting to talk to someone is met with disdain and once, she laughed at me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
XX/XX/2020 I had unauthorized credit inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2020 I had unauthorized credit inquiries

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 2021-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports which states that : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX did not give Equifax any written consent to report on my consumer report. 

I sent Equifax a dispute letter stating that United States Bankruptcy XXXX XXXX XXXX XXXX XXXX  of Arkansas does not provide information to any credit reporting agency. 
I have the letters enclosed in this complaint. Equifax is currently still reporting this inaccurate information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
these accounts don't belong to me. 
Please see below the list of accounts that are reporting derogatory on all credit reporting agencies : 1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect
State: GA

Complaint narrative:
On XXXX, XXXX  XXXX to notify them that once again the insurance was filed wrong, and not with all the insurance that I have, I provide XXXX  XXXX associates the correct information to refile with insurance companies, The person name XXXX XXXX stated that she would take care of it, On XXXX Americollect put bill on my credit report stating that bill was not paid, I explained to them that it was filed with wrong insurance company to process the remaining balance, the bill amount was XXXX, XXXX XXXX paid XXXX plus XXXX, the other insurance was listed as not paid, when I reached out to Americollect collections I talked with XXXX, she stated that bill was showing pending due to insurance, I then asked if it was showing pending why did they put on credit report, she stated for non payment I stated to her that, that was not true that I first insurance paid XXXX and XXXX, and that they failed to file with other insurance company, and that this should be removed until resolved, I called the insurance company they stated that the bill was not ever filed with XXXX, I called back and spoke with XXXX on XXXX, and asked what do i need to do to get resolved not answer was given.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Continental Finance Company, LLC
State: NJ

Complaint narrative:
On XX/XX/2021 I called in to Continental Finance Company regarding an annual fee, was in seek of a potential waiver or reduction. I explained to the representative that I would potentially consider closing my account because I dont use the card often. We had a discussion and he explained he was unable to grant a fee waiver. I ended the call. I never gave him authorization to close my account but I believe he did so out of retaliation because I hung up the phone. I mentioned I considered closing my account but did not state affirmatively that I wanted the account closed. I called back and spoke with a manager who reopened the account and escalated my complaint but I wanted to take it a step further because this rogue employee has negatively impacted my credit by lowering my available credit and now triggering a new account on my credit report when its actually aged.

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 2021-06-05 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
CHEXSYSTEMS, INC CONSUMER RELATIONS DEPT XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX I HAVE CONTACTED CHEXSYSTEMS ABOUT 5 DIFFERENT TIMES TO DISPUTE INACCUARTE / INCORRECT AND UNVERIFIABLE INFORMATION ON MY CREDIT REPORT BUT THEY ARE REFUSING TO UPDATE AND CORRECT MY FINDINGS. THEREFORE, MY NAME, ADDRESS, AND SEVERAL OTHER THINGS ON MY CREDIT REPORT ARE WRONG AND I AM NOT EVEN ALLOWED TO GET A LOAN WITH XXXX XXXX BECAUSE OF THE INACCURIES. I SENT THEM DOCUMENTATION PROVING MY FACTS AND THEY HAVE STILL DENIED MY REQUEST AND REFUSE TO CORRECT MY INFORATION.

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 2021-06-05 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: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
I've contacted this company three times with a request to remove inaccurate and unverifiable accounts from my credit report. A notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. They are in violation of this law. 

The following accounts remain unverified, even after multiple attempts to receive validation from them. I request that these accounts be immediately removed from my credit report with all credit bureaus that they report to.

Company response to consumer: Closed with explanation