vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/2019 I sent a Certified check to paypal credit to satisfy the balance on the account, Paypal received and never applied it on the account they keep posting the account as past due. Around XX/XX/XXXX or XXXX I received a letter dated XX/XX/2019 from Paypal Acknowledging reception of the check and they kept as it was a gift. All I want is for them to apply the check or I will fill a Lien against them as I stated it on the UCC-3 that was sent with the check. See Attachements

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 2019-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Check my 3 credit reports Today. Seen something on my reports that do not belong to me. There was a collection account on my reports from AD ASTRA RECOVERY SERVICES. Never got any information from the agency about any type of debt that I owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
I have a cash app on my phone and they decided to deactivate my account on XX/XX/XXXX and my check was deposited into that account on XX/XX/XXXX. I can't access my fund or withdraw my fund at all. They have no live agents to speak with and they only emailed me once and that was it. It says that i can link a bank card to the account to withdraw the funds but it will not allow me to link a bank or a card. I need help trying to get money out of this account. I don't understand why they accepted the deposit if my account was deactivated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
I deposited my workers compensation settlement check in my sun trust account and right after that they closed my account and that not return my funds to me is being over a month and all they say is they are investigating and I ask how long they told me is indefinitely and that's what happened to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Riverwalk Financial Corporation
State: CA

Complaint narrative:
Debt Collection Company ( Deville Asset Management ) never sent a letter about this debt it was on my credit report. Saying it was from XXXX XXXX the Original Creditor. 
This loan is a fraud. Never took out this loan, despite attempts to fight it. 
I am having problems doing this, and don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
To my knowledge, I was never late on my Bloomingdale credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/XXXX which is not true. I have had this credit card since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount.

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 2019-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover Financial Services shown a charge off on my 3 reports. This account has reach it statue limitation to be remove from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
To my knowledge, I was never late on my Home Depot credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/XXXX which is not true. I have had this credit card since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount.

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 2019-06-04 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: BB&T CORPORATION
State: GA

Complaint narrative:
This is my 2nd complaint to Regional Acceptance. XX/XX/2018 I received debt validation information I had requested through the collection agency that was taking over the charged off account. I then made a report on XXXX towards Regional Acceptance stating they violated my rights. In the state of Georgia " a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. '' By not providing me with a deficiency letter or a notice of plan to sell they violated this right. They sent me the same information they said they sent via certified mail. When I looked at the documents the address they sent it to was/is not my place of residency. On the retail installment sale contract, my address is inaccurate. The address listed for me is the primary applicants address. A relative who carry 's the same name as I do. When I looked on their XXXX portal under contact information, it has the same copied address and phone contact is replaced with a series of various numbers. When I called their charge-off department and asked what address read on the copy of the ID they had for the original application, it was not that of the one being reported by Regional Acceptance. I have a rental lease agreement with the same date/time frame of that when the letters were sent out from Regional Acceptance proving my residence was not at the address they have listed. A notice of deficiency and information regarding the vehicle sale was mailed only to the primary applicant and not me, the co applicant. Regardless of the status of the vehicle, they did not provide me with all the documents I have the right to. This has caused my credit score to take a hit for years now because a charge off is being reported to my account for an error on either the dealership or XXXX end, I didn't get the right to amend.

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 2019-06-04 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: NC

Complaint narrative:
I have repeatedly disputed the incorrect information listed for XXXX XXXX XXXX XXXX with each of the three bureaus. Each reports the information as verified ; however, each is reporting different information ( all of which is inaccurate ). I have contacted XXXX  to request a payment history and have submitted that to the bureaus. The actual payment history and balance vary greatly from what the bureaus report as accurate, but they continue to report this information as correct. Two bureaus report that a monthly payment of {$380.00} is due. This account has been closed since XX/XX/2016. This inaccurate information is extremely detrimental to my financial well being.

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 2019-06-04 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND IDENTIFIED AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-06-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX has violated my rights under federal law by reporting a collection account on my credit report without first supplying a 30 day notice of my right to dispute. This is a direct violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
check my 3 credit reports today. and seen collection account from I C System INC.

Never had account with this company, never got a letter in the mail or nothing. But it show up on my credit reports.

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 2019-06-04 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND IDENTIFIED AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND IDENTIFIED AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
account does not belong to me, but showed up on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: AZ

Complaint narrative:
On XX/XX/2018 my prepaid debit card, issued by Direct Express for my Social Benefit checks to be deposited into, was stolen while I was on vacation. On XX/XX/2018 I called Direct Express and notified them of the theft. The card was cancelled on that day. On XX/XX/2018 I received a Questionnaire of Fraud from Direct Express, which I filled out claiming {$17000.00} in fraudulent charges on my card and I mailed it back the next day.. I  was credited {$5100.00}. I have called Direct Express numerous times to get the remainder back but they will not return my calls or follow through. Comerica Bank, which processes the transactions, will not help. I called them and they said to call Direct Express. I called them again on XX/XX/2018 and the person at the Fraud Department said he could not talk to me and transferred to a Level 2 line, where no one ever answer the phone, per usual.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-04 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: NC

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX in reference to this account. I requested validation for this account I never received it. I also have no contract with XXXX XXXX for this alleged debt. I called them and the representative stated that she couldn't speak with me because this account was marked that I had a social security lawyer. I advised her I never said I had a social security lawyer. She refused to speak with me concerning my request for validation. I never received anything from XXXX XXXX in regards to this account. This was a XXXX  XXXX account and the information that I received from XXXX XXXX doesn't have XXXX XXXX anywhere on it. I didn't find out about this being on my credit file until I check to see what was on my report. I have requested Validation and an Assignment of Debt from XXXX XXXX XXXX and I haven't received anything.

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 2019-06-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX sent a paid off car loan to Jefferson Capital Systems. Despite previous attempts to resolve this issue, neither party has been able to correct this problem. The false debt has been reported since XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly on my personal credit report the Chapter XXXX corporate re-structuring Bankruptcy. This credit report should only include a personal credit history and nothing associated with the Chapter XXXX re-structuring Bankruptcy. ( Please see page 17 of the attached credit report. ) This incorrect reporting is harming my credit score. Please delete these line items from my credit report.

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 2019-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Today, XX/XX/2019, Synchrony Bank called me 25 times in less than 10 minutes from phone number XXXX. The calls took place from XXXX XXXX CDT to XXXX XXXX CDT. I answered on the last call, and then they hung up. They have not called back since. They also called 3 other times today from two other numbers, making it a total of 28 times since XXXX this morning. I do intend on taking care of my payments owed, but this is harassment.

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 2019-06-04 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: FL

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly on my personal credit report the Chapter XXXX corporate re-structuring Bankruptcy. This credit report should only include a personal credit history and nothing associated with the Chapter XXXX re-structuring Bankruptcy. ( Please see page 17 of the attached credit report. ) This incorrect reporting is harming my credit score. Please delete these line items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MARINER FINANCE, LLC
State: CA

Complaint narrative:
About two months ago received an e mail Mariner Finance that I had opened an account with them. This e mail was ignored thinking this is just another scam. On XX/XX/2019 received another e mail stating the payment is now past due. There is no account number or amount provided only four different ways to pay. I decided to call and let them know they have the wrong person and that I have never done business with them and have never been near the address in Georgia provided. The number called was XXXX and I talked to a XXXX XXXX. She told me the amount was {$1600.00} that was given to somebody via USPS where they apparently only needed to sign the check to open this account. She confirmed the last four digits of the SSN were not mine and would check into the matter and call me back. There complete address for this office is Mariner Finance XXXX XXXX XXXX XXXX, XXXX, GA. 
I contacted the State of California Bureau of Security and Investigation that sent me a letter stating I need to call the  Federal Consumer Financial Protection Bureau XXXX which I did and they directed me to this site to report the crime. I called Mariner back today and was given a customer support number XXXX that told me go tell the police because someone has committed fraud against me so I told them Mariner is the one attempting fraud. At that point they essentially told me the go to XXXX and hung up. It is very clear Mariner is running a criminal operation and given my age appears to be targeting the seniors. Please stop them before they do any more damage.

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 2019-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hauge Associates, Inc.
State: IA

Complaint narrative:
After checking my credit report, I see there is an alleged {$4.00} debt collection from XXXX XXXX XXXX. However, XXXX XXXX XXXX actually owes me {$5.00} as I overpaid last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly on my personal credit report the Chapter XXXX corporate re-structuring Bankruptcy. This credit report should only include a personal credit history and nothing associated with the Chapter XXXX re-structuring Bankruptcy. ( Please see page 17 of the attached credit report. ) This incorrect reporting is harming my credit score. Please delete these line items from my credit report.

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 2019-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Made a one time to payment to clear the balance with a capital one credit card. My husband is XXXX XXXX military and we Had to relocate due to the military forcing me to be on leave without pay for about 6 months. I made the payment to the card and it cleared as agreed but capital one refuses to update my credit report showing the account as paid off.

Company response to consumer: Closed with explanation