vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Synovus Bank
State: HI

Complaint narrative:
In 2017, I was paying my account as scheduled, and was carrying a zero balance. the company charged an annual fee that I was unaware of and thinking I was carrying a XXXX balance, I never bothered to check my account, and wasn't notified that they were charging the annual fee. Not until I got notified by mail of my account being closed, did I know that there was a charge and 90 days reported late on my Experian credit report. As my prior history shows, I value the credit process and was responsible. I continue to be responsible as my history shows. Id like for the late payments to be removed from my credit reports so I can continue to strive for my mortgage qualifications. Ive allowed for these marks to effect my chances for the past 3 years, and need to move forward from the experience. First Progress Card opened in XXXX XXXX reported on XXXX , then closed in XXXX and stopped reporting on XXXX   and started reporting on XXXX and XXXX XXXX XXXX I don't understand why that happened. but resolution would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: Convergent Resources, Inc.
State: IL

Complaint narrative:
I WAS TOLD SEVERAL TIMES BY SEVERAL XXXX EMPLOYEES THAT ONCE I PAID MY DEBT AFTER THIRTY DAYS IT WOULD BE REMOVED FROM MY CREDIT REPORT, HOWEVER IT IS STILL SHOWING UP ON MY REPORT. I SET UP DIRECT DEBIT FROM MY ACCOUNT BUT WAS NEVER TLD IT DIDNT GO THROUGH, DURING THIS TIME MY MOM DIED XX/XX/20, FROM XXXX FOLLOWED BY MY FATHER XX/XX/20 FROM XXXX   RELATED AND OTHER ILLNESS, FINALLY MY SISTER DIED XX/XX/20. I WAS STRESSED OUT DURING THIS TIME CARING FOR MY SISTER AND HANDLING MY PARENTS AFFAIRS AS WELL AS BEING A XXXX XXXX WORKING IN THE XXXX. DURING THE HEIGHT OF COVID. HAVING THIS ITEM ON MY REPORT WHEN I WAS EXPLICITLY TOLD IT WOULD BE REMOVED NOT JUST REPORTED AS PAID HAS ADVERSELY AFFECTED FINANCIAL DECISIONS I AM TRYING TO MAKE. AGAIN I WA TOLD BY THREE AGENTS WITH XXXX THAT THIS ITEM WOULD BE REMOVED 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 2020-10-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: AZ

Complaint narrative:
Good day, I wanted to surprise my husband with a new aquarium at a total cost of {$360.00} on XX/XX/XXXX. I have been approved with XXXX XXXX XXXX XXXX for {$1700.00}. 

I was appalled at the interest rate. The APR rate on the {$360.00} was 188 %. After figuring the interest for one ( 1 ) year it came to a total of {$550.00}. I truly believe this company called XXXX XXXX XXXX needs to be investigated as they take people with good, bad, and those trying to establish credit to the cleaners. I do have decent credit. 

I did not sign any contract with them. 

The company is nothing more than legal loan sharks. I also believe they need to be put out of business due to the overly high interest rates. The interest rates this company charges is not in any competitive field with banks etc. 

From the reviews I have read on the Better Business Bureau website, they have no intentions on being honorable with their customers. 

The business address for XXXX XXXX XXXX is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX Thank You, 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 2020-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This debt was not mine it was us 2011 and it was not mine I someone use my credit and received and apartment under my name which I did not get one. They never check who was the person they were hurting for people and that person who received my ss they used it to get a apartment. I demand it of right away or I will have a Cease order file against this creditor and sue them to the fullest. I want it off in XXXX   and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
PDM Debt Mediation {$110.00} creditor : XXXX XXXX XXXX This creditor incorrectly used my medical insurance instead of XXXX insurance which covered the refraction. When I went to his appointment, I provided my XXXX insurance because I knew about my XXXX conditions. Specifically, I told them that I want to do my glasses but I have the XXXX condition. They told me that they can do my glasses. XXXX insurance covered my glasses and the refraction. Due to my XXXX conditions, I am experiencing XXXX XXXX or a XXXX XXXX XXXX XXXX on the eye chart, a XXXX would be needed to see if this is due to a need for XXXX. A XXXX is also necessary to prove to insurance the need for XXXX XXXX. Because at that moment and time, I do not have the date for my XXXX, I went in there for first time in order that they prescribed me for glasses until I can do my XXXX which I need to postpone because I have a XXXX XXXX. They incorrectly used my medical insurance to diagnose me with cataracts conditions which I told them since the first date that I have it. They refused to use my XXXX insurance which completely covered the service. Since then they have been harassed me with this bill. XXXX XXXX XXXX never sent me any resolution. Instead they sent this to Debt Collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: CL Holdings LLC
State: MO

Complaint narrative:
I have been actively trying to fix my credit for quite a few months now. It has been brought up on all 3 of my credit reports ( XXXX XXXX and XXXX ). I have sent letters to the credit bureaus about the incorrect information in which they responded that my dispute was denied. I have filed a police report with my local Police Department as it is identity theft and I am now currently contacting each creditor to have the false information corrected on my credit reports, I was given the advice to file a complaint and will be sending a copy of complaint to each creditor as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-10 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: MI

Complaint narrative:
On XXXX XXXX Equifax received written communication from me to remove inaccurate Names and Addresses from my Credit file. I got correspondence on XXXX XXXX that the inaccurate addresses were deleted, however one remains after they said they deleted it. XXXX XXXX XXXX XXXX XXXX MI, XXXX. This address is inaccurate and and should be removed. 

On XXXX XXXX Equifax received written communication from me to investigate unauthorized credit inquiries which were not used for permissible purpose. I requested that they send me documentation of said permission. A Correspondence that was dated just 2 days later XX/XX/2020 they are stating that Inquiries are a factual record of file access. They did not investigate per the FCRA guidelines. They are required by law to do a full and thorough investigation. The following Inquiries should be removed immediately- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and finally XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: MN

Complaint narrative:
The following accounts and payment history information listed on my Equifax credit report is fraudulent and is not my accounts or payment history : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and MN Child Support Enforcement

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: UT

Complaint narrative:
My mortgage was sold to Loancare in XX/XX/2020. On XX/XX/2020 I made a onetime payment and set up auto payments to come out the first of every month through the my bank. In XXXX I noticed that No payment had come out on the first. After more checking it had not come out for XXXX either. I had an email saying thanks for setting up auto payments. I contacted Loancare to find out what was going on. After a couple of days I finally got an answer. They said auto pay had been set up but it takes 30 day to go into effect. This meant that my XXXX payment did not come out on the first which put me in default and they wont pull payments from auto pay if your in default. Thus they didnt take out XXXX payment. On XX/XX/XXXX, i made a re was no one time payment of {$3300.00} to get everything straightened out. They said there was no number for the credit department but I could file a dispute.I filled a dispute with Loancare. On XX/XX/XXXX they sent me a letter saying the previously reported information was correct. 
Ive had no lates on my mortgage for like 7years. Im trying to refinance and get a better interest rate but this has messed with my credit.

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 2020-10-10 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
Phh Mortgage is claiming that my accounts, i have 2 with them are closed, and in Bankruptcy.. i have never filed for Bankruptcy or plan to, and when i ask for them to give me information on my accounts, their telling me i need my lawyers to contact them if i want any info.. i dont have a lawyer or need a lawyer if my account are in good standing. This is not right if they made a mistake with my accounts they need to fix them, and provide me information why this is happing to my accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I have been actively trying to fix my credit for quite a few months now. It has been brought up on all 3 of my credit reports ( XXXX, XXXX  and XXXX  ). I have sent letters to the credit bureaus about the incorrect information in which they responded that my dispute was denied. I have filed a police report with my local Police Department as it is identity theft and I am now currently contacting each creditor to have the false information corrected on my credit reports, I was given the advice to file a complaint and will be sending a copy of complaint to each creditor as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: International Computer Systems, Inc.
State: MO

Complaint narrative:
I have been actively trying to fix my credit for quite a few months now. It has been brought up on all 3 of my credit reports ( XXXX, XXXX  and XXXX  ). I have sent letters to the credit bureaus about the incorrect information in which they responded that my dispute was denied. I have filed a police report with my local Police Department as it is identity theft and I am now currently contacting each creditor to have the false information corrected on my credit reports, I was given the advice to file a complaint and will be sending a copy of complaint to each creditor as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: Conduent Incorporated
State: OK

Complaint narrative:
I used my card to attempt a cash advance on XX/XX/XXXX, the three amounts were XXXX, XXXX, and XXXX. All three were denied at the POS but the funds were deducted from my account. The manager on duty gave me the batch report to send in so that i could show that no cash was approved for payout and that I received nothing for the attempted transactions. I filed the dispute that evening when i got home, faxed the dispute in that same evening also to make sure that the company had it before the 10 day time frame. They received the fax XX/XX/XXXX and I recieved the letter in the mail dated XX/XX/XXXX on XX/XX/XXXX and which time, just to be certain, i faxed the information in again. It clearly states on their dispute resolution form that if recieved within 10 days of the initial call provisional credit will be applied on the 10th business day. The 10th business day was XX/XX/XXXX. There was no provisional credit applied to the account and i spent over 6 hours on the phone being transferred to 8 different people. I was told that they never recieved my documents buy one rep, told that they make the decision if a credit is given by another, that i had to wait until the 13th business day by another, that my dispute has not been worked yet but another, and when I requested to speak to someone in management I was met with resistance and told they would tell me the same thing. I followed all the steps in Regulation E, however this company has  and is not. They are making up when and how they apply the rule, and each time its a different story with someting different. I gave them them the documentation from the business showing that no money was given to me and that they did indeed remove it from my card, and now they are violating the law and still withholding it. That is theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: ERC
State: MO

Complaint narrative:
I have been trying to fix my credit for quite a few months now. There has been some collections and other accounts placed on my credit due to someone else. I have filed a police report with my local police department and was advised to file a complaint here as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: CA

Complaint narrative:
XXXX XXXX  is claiming that my accounts, i have 2 with them are closed, and in Bankruptcy.. i have never filed for Bankruptcy or plan to, and when i ask for them to give me information on my accounts, their telling me i need my lawyers to contact them if i want any info.. i dont have a lawyer or need a lawyer if my account are in good standing. This is not right if they made a mistake with my accounts they need to fix them, and provide me information why this is happing to my accounts.

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 2020-10-10 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: Consumer Adjustment Company Incorporated
State: MO

Complaint narrative:
I have been trying to fix my credit for quite a few months now. There has been some collections and other accounts placed on my credit due to someone else. I have filed a police report with my local police department and was advised to file a complaint here as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: AR Resources, Inc.
State: MO

Complaint narrative:
I have been trying to fix my credit for quite a few months now. There has been some collections and other accounts placed on my credit due to someone else. I have filed a police report with my local police department and was advised to file a complaint here as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SG and Associates
State: TX

Complaint narrative:
This debt was report to XXXX. Never received written notification of this debt. Amount due is incorrect. Contacted the company to validate and requested documentation. Was immediately threatened with a lawsuit and wage garnishment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I have received many calls over the last month or so from phone numbers, from supposedly local to out of state, associated with this company. I have NO accounts or association with this company. They are harassing me. Furthermore, if there was a supposed debt, I have received nothing from them. At this point, this company has violated federal and state laws repeatedly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-10 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: MO

Complaint narrative:
In re : Report Number : XXXX Report Number : XXXX Report Number : XXXX I am filing this complaint because Experian has ignored my request to provide me with the documents their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " ..promptly delete all information which can not be verified. '' Please resolve this matter 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 2020-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This debt is not mine I wanted off my credit if its not off I will file a Cease order against you. Someone use me personal credit to get something or pay something I dnt know and they never paid it. So the company thought it was mine I never did this ... ... I demand it off my credit in XXXX  and XXXX   or face the consequences of a Cease order file against you. I want off my credit now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Aside from the fact that Capital One consistently closing Complaints raises a huge red flag for the company, the company 's verbiage in the Terms and Conditions misrepresent situations meant for the cardholder. At no point is there any clause that says the amount of days that Capital One WILL hold a payment. Various representatives on the phone with the company have also claimed that " We do not know if your payment will be held. '' That's extremely alarming. What makes it even more alarming is how Capital One has yet to diffuse the situation with the privacy breach that occurred back in XX/XX/2019. I can't help but think that perhaps if Capital One spent quality time on improving their systems by getting the right people to help develop and enhance them, perhaps hackers wouldn't be able to break into their systems. I'm concerned that Capital One doesn't care about my information being breached and continuously closes complaints evading any responsibility. I've joined a class action lawsuit from a lawfirm who is currently pursuing criminal charges for the company as a result of this misconduct. I'm also calling for the termination of the employee ( s ) who keeps closing these complaints without doing any proper investigation due to laziness and neglect.

Company response to consumer: Closed with explanation