vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GMA Investments, LLC
State: OK

Complaint narrative:
I previously filed a complaint with CFPB on XX/XX/XXXX. Summit Receivables agreed to mail me documents showing what they are trying to collect and to place a " cease and desist '' on my work number. As of XX/XX/XXXX no information has been received and the phone calls at work have resumed. They are calling relatives saying I used them as a reference ( I did not ), they called different extensions at work saying they are returning my call. I work for a XXXX ( this is definitely a big no no ), and they call my personal work number at least once a day. Here is a list of times they have called to my work number alone : XX/XX/XXXX - XXXX XXXX 
XX/XX/XXXX - XXXX XXXX 
XX/XX/XXXX - XXXX XXXX 
XX/XX/XXXX - XXXX XXXX and XXXX XXXX 
XX/XX/XXXX - XXXX XXXX 
XX/XX/XXXX - XXXX XXXX 
XX/XX/XXXX - XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AP

Complaint narrative:
My Equifax Credit Report shows my account with XXXX XXXX being delinquent as recent as XX/XX/XXXX. I had a lease with the company from estimated XX/XX/XXXX timeframe until XX/XX/XXXX when I received orders to deploy overseas. It was a lease vehicle and I turned the vehicle back in. In XXXX/XXXX timeframe, I noticed that my credit score had gone down dramatically. I called XXXX XXXX and they told me that it was a mistake on their end. They received the vehicle and I no longer owed anything on it. The fix could take up to 45 days to be visible on my credit report. I called back again in the XX/XX/XXXX timeframe. We are now in XX/XX/XXXX and the delinquency is still on my credit report. I want it fixed and off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
EXPERIAN was advised via Certified mail return receipt and signed for the evidence and proof to remove a derogatory from my credit report and to unfreeze my Credit! and bsigned for this information and paper work XXXXXXXX XXXX2019.. According to their information on the web this only takes 3 days to do this.. I havr tried several times to contact them by phone to no avail on every call them tell you to mail in the information which I have already done!! I have also tried to contact them via computer they continue to report the same as they do on the phone. they are screwing up my credit with my CREDITORS and make my life a living XXXX! If you dont do some about this situation I will hire a private attorney to sue them and the electric company along with the COLLECTION AGENCY that put the false information inmy CREDIT FILE!!! Thank you for your attention to this matter I will sincerely appreciate any thing you can do to resolve this depolable situation!

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 2019-07-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SET Financial Corporation
State: SC

Complaint narrative:
Set financial continues to call my husband after I have told them to stop contacting him. He is not a personal reference or a number that I listed on my account information with them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I try to contact this company multiple time due to a fraud account that was open under my name and ask to me remove of my credit report and still to this day no action have been made at this time Im willing and ready to take what ever action thats next to have them remove this fraudulent account of my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Synchrony Bank ( Belk Credit Card ) Decreased my limit in XX/XX/20181100 to 800. Then XX/XX/2018from {$800.00} to {$240.00}. I was making on time payments every month. This lowered my FICO score tremendously. When I applied for the credit card initially I didn't have any credit at all and was approved immediately for {$1100.00}. I have contact them and spoken with Synchrony over the phone. The issue wasn't solved. I have a credit limit with them now for {$240.00}. I applied for a credit increase however I was denied. I wanted the balance increased so my FICO can go back up.

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 2019-07-20 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX sent a letter of disputing a charged off code on my credit report for XXXX and equifax since XX/XX/XXXX. XXXX and equifax has not removed or delete XXXX  XXXX account this account is closed and paid as agree

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CARMEL FINANCIAL CORPORATION, INC.
State: FL

Complaint narrative:
I try to contact this company multiple time due to a fraud account that was open under my name and ask to me remove of my credit report and still to this day no action have been made at this time Im willing and ready to take what ever action thats next to have them remove this fraudulent account of my report!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
My provider is Navient. They have been ridiculous to deal with over the years. I despise having them service my loans. Their website is unfair and deceptive and I believe purposely set up to make it difficult to figure out how to apply for a payment repayment program, forbearance, or deferment. I have been struggling to make my payments, but am single so my income artificially inflates my ability to make payments. I finally figured out how to contact Navient in XX/XX/XXXX of this year and was told the round about and difficult way to submit a forbearance request. They approved my request through XX/XX/XXXX. It is now XX/XX/XXXX and they are reporting me past due to the credit bureaus. When I log into my account, they show I have a payment due in XX/XX/XXXX. Not only do I have no payments due because of the forbearance, they never sent me a statement via mail or email to advise me of an upcoming payment in XX/XX/XXXX. Had I received such a statement, i would have contacted them immediately regarding their mistake. Now my credit has suffered a hit. They are in violation of Regulation Z for not providing a statement, FCRA for inaccurately reporting on my credit, and UDAAP for their terrible website as well as causing harm by incorrectly reporting my credit and not providing me the ability to prevent that harm due to their FCRA violations. This servicer of loans is absolutely terrible and I can not stand doing business with them. I hope that the CFPB will take a look into their unfair practices, but, as of right now, I want my credit fixed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: LA

Complaint narrative:
the are accounts on my credit report that are not accurate and the credit reporting agency refuse to verify and/or remove these accounts from my record and they are giving out solicitors my information to contact 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 2019-07-20 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: Innovative Funding Services, L.L.C.
State: WI

Complaint narrative:
XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX   Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX Innovative Funding S Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions Innovative Funding S Inquiry from XX/XX/XXXX + Auto Financing Innovative Funding S Inquiry from XX/XX/XXXX + Im contacting you because I do not recognize any of the inquires .. 
I did not apply for anything on these dates

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I try to contact this company multiple time due to a fraud account that was open under my name and ask to me remove of my credit report and still to this day no action have been made at this time Im willing and ready to take what ever action thats next to have them remove this fraudulent account of my 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 2019-07-20 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: NC

Complaint narrative:
Equifax announced the cyber security incident one of the largest in history unauthorized data breach occurred from mid XXXX XXXX- XXXX XXXX. The incident was discovered by equifax XXXX  XXXX. My data was breached from mid XX/XX/XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I set up phone authorizations for XXXX per month for several months but paid the balance in full within a few weeks. Every month Synchrony bank continues to take XXXX from my checking account. This has continued despite repeated calls to the company, and even after closing the account in XXXX, they just took another XXXX from my account. Every month they have done this I have a XXXX  balance so they are taking money they are not entitled to and causing me financial hardship because I didn't budget for their unauthorized taking from my account. I was told at one point after a 2 hour call that it was my fault, they couldn't fix it, and they couldn't close my account. After I disputed it the first time, my credit line was cut from {$1500.00} to {$300.00} as you will see in the attachment.

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 2019-07-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: FL

Complaint narrative:
I lived in the XXXX XXXX and paid monthly lot rent. They said I was late twice and I owed late fees I went to the office and they looked it up and agreed I only owed one so I paid it. Than their corporate office came bake and said I still owed one and they could no longer except my checks til I paid it. So I than got the office manager involved ( XXXX ) at the time and he reviewed and also agreed I didnt owe and accepted my checks again. But again corporate came back and said I still owed but they wouldnt return my calls. The office continue to take my checks and said it would be taken care off. Well it never was and I decided to move out. Now I did own the home so I put it up for sale and the XXXX XXXX did sale my house and gave me the check for what they sold my home for. Now dont you think if I still owed them this money they would of release this check to me? So corporate turned this over to hunter ward and its been one my credit report for years now and it keeps going up and keeps me from getting additional credit. This should be  removed now.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-20 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: NC

Complaint narrative:
Equifax announced the cyber security incident one of the largest in history unauthorized data breach occurred from mod XXXX XXXX- XX/XX/XXXX. The incident was discovered by Equifax XXXX  XXXX. My data was breached from mid XXXX XXXX- XX/XX/XXXX. I want to be compensated in the amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: NC

Complaint narrative:
Equifax announced theyre cyber security incident one of the largest in history unauthorized data breach occurred from mid XXXX- XX/XX/XXXX, my data has been breached as well and someone could have stolen it during this time. The incident was discovered by equifax XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: NC

Complaint narrative:
Equifax announced the cyber security incident one of the largest in the history unauthorized data breach occurred from mid XX/XX/XXXX-JXX/XX/XXXX the incident was discovered by Equifax XX/XX/XXXX my data was breached from mid XXXX XXXX- XX/XX/XXXX. And I want to be compensated the amount of ( {$25000.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: TN

Complaint narrative:
I has been over 6 months that I have submitted documentation to Equifax to have inaccurate information removed from my credit. I have repeatedly filed a complaint with this company. The inaccurate still remains on my credit. I have been hesitant to apply for a car and a place to stay because equifax is a major person in credit. On XX/XX/2019 I was approved for a place but I was considered a high risk due to equifax inaccurate reporting. I called and spoke with an Agent and her supervisort ( Agent number who could not verify me because I have 2 credit reports in my maiden name and married name. Equifax keeps telling me its one account but I can not verify myself. equifax continue to mail me two in different names. 


I have contacted this office and found and nothing has been done issues on my credit report I was told should have been off a long time ago

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: DISCOVER BANK
State: AZ

Complaint narrative:
XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX I asked discover bank to return the money to my bank account they wont do it I did not submit these payments I also called XX/XX/XXXX to get them to file a dispute and they are not helping at all. Discover told me to tell my bank to file a charge back but XX/XX/XXXX wont process a charge back dispute I've also called parent company ofXX/XX/XXXX XX/XX/XXXX and they aren't helping either. I need my money back and they wont help me please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 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: EQUIFAX, INC.
State: VA

Complaint narrative:
An unauthorized hard credit inquiry was made by XXXX on XX/XX/XXXX. The unauthorized hard inquiry is found on Equifax. As soon as I was aware of the unauthorized inquiry, I contacted XXXX via email and notified them. XX/XX/XXXX I received an email from a XXXX agent requesting more information in to the matter. After several emails back and forth with different XXXX agents and after several months later, on XX/XX/XXXX I received an email from a XXXX agent stating a request to mask or remove inquiry was placed on XX/XX/XXXX and it would take up to XX/XX/XXXX for it to be removed. XXXX, XXXX I checked my credit report and observed the inquiry was not removed. I sent another email on XX/XX/XXXX to follow up and received a phone call from one of XXXX agents. I was basically told what I've been hearing for the past year. They are working on removing the unauthorized inquiry. I was never told who conducted the unauthorized hard credit inquiry or what actions were taken to prevent future victims. This type of unauthorized inquiry impacts peoples lives in many ways. I'm hoping CFPB will help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I try to contact this company multiple time due to a fraud account that was open under my name and ask to me remove of my credit report and still to this day no action have been made at this time Im willing and ready to take what ever action thats next to have them remove this fraudulent account of my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC.
State: AZ

Complaint narrative:
I told the finance company Exeter that the contract they have is different than the one the dealership gave me it's a contradiction and the attorney general has closed the dealership where I got my car I cant get my warranties my oil change or my tires. Exeter wants me to pay but the car doesnt have active warranties because of the fraudulent things the dealership has done. I called exeter to see if I can have an extension because I have to pay for repairs

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ditech Financial LLC
State: GA

Complaint narrative:
repeated letters to collect a debt that was written off by the company and no longer exists on my credit report. Debt is over 10 years old. Company keeps sending me info about their chapter XXXX problems. I have wrote to them XX/XX/2019 telling them to stop and they responded with a an auto reply that day saying they received it. Then one week later with an email saying they would be in touch with an answer. Then on XX/XX/2019 I got another letter about chapter XXXX. I don't see how that is of any interest to me. I don't need any further info or contact from this predatory lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I changed my phone number because of harassing robo calls and telemarketing calls. when I log into my TD Bank account online it sends a code to my phone, well naturally I couldn't do thid once I changed the number, so I first tried to fix the problem by calling TD Bank 's customer service number XXXX XXXX XXXX ( please call this number yourself and experience waiting on hold for 30 minutes plus ) after holding for 41 minutes these idiots tell me I have to go into the branch to do this. so Thursday I take off a 1/2 day off to go into the TD Bank at XXXX and XXXX XXXX in XXXX Pa, I went to an XXXX XXXX XXXX and she asked for my id and td bank card, so I gave them to her. now this was about XXXX Thursday XX/XX/19 and still today the XXXX site still doesn't have the new number displayed its still showing the old number, so I still cant log into my account. I want TD Bank 's XXXX FINED. and I want to be compensated for my time. the worthless site needs to be revamped, it doesn't make sense that a customer has to go through this. and you get one of their sorry XXXX apathetic apologies when you complain to them.

Company response to consumer: Closed with non-monetary relief