vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-05 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Since XXXX, XXXX I have been disputing information reported by Synchrony Bank/Brandsmart to XXXX, XXXX, and XXXX for which they claim My account was charged off {$970.00} on XXXX XXXX. Repeatedly, Synchrony Bank have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Synchrony Bank claims this account was sold to XXXX XXXX XXXX and refused to provide me any viable evidence that the account is being reported accurately. They are being willfully non-compliant in my request for verification of debt. They just told me to contact XXXX XXXX XXXX. Recently, XXXX deleted this account associated with Synchrony Bank/Brandmart because I filed a small claims lawsuit against them for Defamation, Violations of the Fair Credit Reporting Act, and Violations of the Fair Debt Collection Practices Act. I am again formally requesting a copy of any documents, bearing my signature, showing that this account is being reported accurately. The listed item by Synchrony Bank/Brandsmart is inaccurate and incomplete, and represents a very serious error in your reporting.

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 2017-07-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since XXXX, XXXX I have been disputing information reported by XXXX XXXX/XXXX to XXXX, Experian, and XXXX for which they claim My account was charged off {$970.00} on XXXX XXXX. Repeatedly, XXXX XXXX have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. XXXX XXXX claims this account was sold to XXXX XXXX XXXX and refused to provide me any viable evidence that the account is being reported accurately. They are being willfully non-compliant in my request for verification of debt. They just told me to contact XXXX XXXX XXXX. Recently, XXXX deleted this account associated with XXXX XXXX/XXXX because I filed a small claims lawsuit against them for Defamation, Violations of the Fair Credit Reporting Act, and Violations of the Fair Debt Collection Practices Act. I am again formally requesting a copy of any documents, bearing my signature, showing that this account is being reported accurately. The listed item by XXXX  XXXX/XXXX is inaccurate and incomplete, and represents a very serious error in your reporting.

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 2017-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Credit Adjusters, Inc.
State: NC

Complaint narrative:
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$98.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification/validation of the debt and account however the business failed to provide adequate proof. Considering that the business does not have a contract with me for goods or services they have provided nor have they provided adequate proof that I am obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I checked my credit report to find several unauthorized hard inquiries without permissible purpose by American Express on the following dates : XX/XX/XXXX,  XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, andXX/XX/XXXX. I only applied for ONE card with American Express on XX/XX/XXXX and for which I was approved but then AFTER my approval I was hit with 5 additional inquires that I did not authorize nor give any permissible purpose to access. When I contacted American Express they informed me that these would be " soft inquiries '' and that they would " fall off '' within 3-5 business days. They indeed are NOT " soft inquiries '' and have not " fallen off '' in 3-5 business days. Therefore it is my specific request that they be removed from my XXXX report as I did not give any permissible purpose for them to access my credit report past the date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There was going to be a court-ordered debt Levy put on my bank from the Franchise Tax Board they gave me a certain time to pay it off I paid it off Wells Fargo still went ahead and charge me {$120.00} fee that they charge for such things and over drafting my account in doing so they took {$13.00} from my savings account to pay to put on to my main account then they over then they charge me a {$12.00} fee for that and now they overdrafted my savings account all all because of this Levy that was never really in put on my account

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 2017-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
Received one missed call with a voice mail from XXXX XXXX XXXX and then received a document in the mail claiming I owe them. I monitor my credit report and do not see the account in mention listed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since XXXX XXXX, 2017 I have asked XXXX XXXX XXXX and the credit bureaus that they formally substantiate all account history data XXXX XXXX XXXX transmitted to credit reporting agencies for me, regarding the suspicious account. My letters have largely been ignored by each credit reporting agency. I have not received an answer. They have all failed to provide a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. XXXX XXXX XXXX and the credit reporting agencies are being willfully non-compliant in my request for verification of debt. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.

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 2017-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I was never contacted by Cavalry Portfolio Services. They placed an account that was already in dispute with the Credit Bureaus as not mine on my credit as a collection account. If i would have been contacted by them they would have known the account was in dispute because i have no knowledge of it. I will not be bullied in to paying for something that i have no knowledge of ... ... this account was never validated. <P/>Cavalry Portfolio Services XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Century Finance, Inc.
State: NC

Complaint narrative:
The company is reporting three separate accounts that are attached to my SSN to the credit bureaus XXXX XXXX and XXXX. The three accounts total to the amount of {$1700.00}. I requested verification/validation of the debt and account however the business failed to provide adequate proof. Considering that the business does not have a contract with me for goods or services they have provided nor have they provided adequate proof that I am obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
my student loan is still showing on my credit report as adverse credit even though it has been forgiving due to me being a XXXX XXXX XXXX veteran. XXXX and XXXX student loans showing as adverse credit due to late payments which I should never have been billed for in the first place. I am asking that those to companies completely remove there adverse reporting from my credit reports to help improve 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 2017-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
my student loan is still showing on my credit report as adverse credit even though it has been forgiving due to me being a XXXX XXXX XXXX veteran. XXXX and XXXX student loans showing as adverse credit due to late payments which I should never have been billed for in the first place. I am asking that those to companies completely remove there adverse reporting from my credit reports to help improve 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 2017-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
Amsher Collection Services has reported a debt by XXXX to XXXX with out Debt Verfication

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
This company is listed on my credit report as closed with a balnce of $ XXXXwith XXXX XXXX XXXX XXXX and XXXX credit reporting agencies. I requested verification/validation of the debt and account however the business failed to provide adequate proof. Considering that the business does not have a contract with me for goods or services they have provided nor have they provided adequate proof that I am obligated to pay for the alleged debt.

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 2017-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I initiated a Funds transfer of {$2500.00} from XXXX XXXX on XXXX XXXX to CapitalOne. This transfer was initiated through CapitalOne mobile application. On XXXX XXXX at XXXX XXXX I received a notification from CapitalOne as confirmation via email that my transfer had been initiated and funds would be delivered by XXXX XXXX, XXXX. After 2 phone calls escalating the issue I was told funds would not be available until XXXX XXXX. This is only the most recent example of delayed transfers. This is a recurring problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eltman Law, P.C.
State: CA

Complaint narrative:
In XX/XX/XXXX I responded to a wage garnishment. I went to the court and filed the necessary response. The officer informed me that the company had 30 days to send a response. The 30 days came and went. Since I had asked for a copy of my application and the amount owed at the time of write off I assumed this information could not be found. I then called XXXX and was told to contact the agency that had my account. I spoke to a rep who was located in New Jersey about my account. He started to ask my information like address, ss #. I decided that if this company was suing me they should have this information. When I asked this question I was " disconnected ''. I did n't hear from the agency again. XX/XX/XXXX I was informed by my payroll department that my wages would be garnished again I tried to get information. This time I found that the agency is in XXXX XXXX. The practices of this company are sneaky and unfair. I feel I did respond within the time frame. I was also told by the sheriff that I had correctly responded to the order. Why was there no response? The company then waits a year to garnish me without any further notification?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I believe Chase received my credit report with out my consent on the following dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not aware of authorization of these credit request by CHASE and have found this will reviewing my report to buy a home

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I sold an item on XXXX for {$790.00}. Buyer of the item immediately upon winning the auction ( which ended on XX/XX/XXXX ) made a payment via PayPal, XXXX 's proprietary payment system. Item was shipped out the following day and received three days later. Buyer confirmed to XXXX and to myself that item had been received in good order. Paypal, however, immediately upon receiving funds, frozen said funds, with no recourse, for a duration of " 21 days ''. Buyer called XXXX and reported that item was as described. I personally have a history with XXXX ( as both a buyer and a seller ) that dates back to the infancy of the web site, without a single complaint. Paypal indicated that " a tracking number '' would facilitate the release of funds, but without it the funds would not be released before aforementioned 21 days ( with no indication of whether those are calendar or business days ).  Reported issue to Paypal 's helpdesk, which responded with an automated Email asking me to follow a variety of steps clicking a long series of menus and options that simply did not exist ( perhaps they referred to an earlier version of the system ). Multiple conversations with the helpdesk were unhelpful. Eventually, a conversation with a manager directly contradicted her subordinate and indicated that once item had been marked " received '', which requires approval by both sender and recipient, the funds would be released by today. Funds are still frozen and still can not be retrieved. I placed a call to the helpdesk, again, and have not as of yet been called back. Today is XX/XX/XXXX. There seems to be no recourse to get those funds back. The buyer acted in good faith. At no point was there any indication that such a process existed prior to the payment being made -- Paypal is effectively holding funds hostage with no recourse and no end in sight.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One locked my 360 Accounts randomly after i filed only a few disputes. After further review they unlocked my account to let one direct deposit into the account, and would not release my direct deposit. <P/>I was never warned the accounts would be closing, and i had my accounts fraudulently charged by XXXX XXXX for thousands of dollars, I disputed these charges and instead Capital one Reversed these and overdrew the account after locking the accounts. Then Sent my accounts to XXXX as a bad customer. Thus not allowing me to open accounts with any other bank, This is false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDICO. INC
State: SD

Complaint narrative:
I received a letter from XXXX XXXX XXXX threatening me with a lawsuit even though I told them not to contact me again without a proper validation letter as required under FDCPA. They contacted me anyway and are trying to coerce me into paying debts I do not owe according to the law. In addition, the debts in question are invalid because 1 ) the original providers sent me bills more than two years after I was seen and therefore missed the six-month Good Filing Deadline, and therefore according to regulations these charges MUST be written off ; and 2 ) I was under XXXX and was taken involuntarily to XXXX XXXX Hospital on XX/XX/XXXX, 2013 and therefore the state is responsible for paying the bill, not me ; that is an established fact of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
This company is reporting  XXXX  separate accounts that are linked to my  SSN,  dates ranging from  XXXX   XXXX , 2008-  XXXX   XXXX ,  2008 . All  XXXX  accounts are with a  XXXX  balance, however it is reporting as a bad charge off/ closed account to the  XXXX  credit burea us  XXXX  ,  XXXX , and  XXXX  . This information is incorrect and is hindering me from having a better credit report/score

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I recently reviewed my credit report and saw FIFTH THIRD requested a copy of my credit report on XXXX XXXX and XXXX XXXX 2016. I mailed them a letter requesting a copy of a written document giving them permission to do so. They have not responded

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
RE : Re-Aging Credit Account FTC Compliant ( FCRA ), 15 U.S.C. 1681 e t seq.   XXXX  I disputed the account below as a re-aged account and received a reply from the  XXXX  credit reporting agencies stating that the account had been verified and is accurate.   The account was removed from my credit report in   XX/XX/XXXX , Seven 7-years after the date of first date of first delinquency. The collection agency updated the account on  XX/XX/XXXX , showing, the collection agency re-aged the account after the original creditors date of first delinquency in  XX/XX/XXXX . The re-ag ed debt is past the statute of limitations.   Please delete this re-aged account immediately.

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 2017-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
This company is reporting an account to the  XXXX  credit bureaus  XXXX ,  XXXX , and   XXXX   for a balance that I paid completely off in  XXXX ,  2017 . It is a huge impact on my credit report which is causing me to be denied for almost everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC
State: OK

Complaint narrative:
I contacted  XXXX   XXXX   XXXX  and wanted to get cable services thru them for  XXXX   XXXX . and I did, but I started to have problems with my tv, enternet, and phone services and this went own fo r two mo, s. I  got so tired of reporting this to   XXXX   XXXX   I finally canceled my services. I was told I was under a contract and I reply ok one that do n't work. they threatened to report me to my credit bureau. I told them find at least I can get some service that works so I did. they reported it to my credit report and stated it was in collections for  XXXX  dollars. date was  XXXX / XXXX /   2017  and I '' ve tried to settle this but they insist I owe them.  XXXX  I do n't think it is fair to pay for something that do n't work. thank you

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