vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I had a boat loan with GE MB Lending which I took out in XXXX and made the last payment on XX/XX/XXXX. 

GE Money Bank became Sychrony Bank in XXXX. 

I have been asking Synchrony Bank for a lien release since XX/XX/XXXX. 

I have gotten many excuses, including that they can not get into the old system and they don't know when or if they will be able to. 

It is even on my credit report that the loan was paid. 

This is unacceptable! I NEED the lien release!

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 2020-06-08 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: CA

Complaint narrative:
Ive just reviewed my credit report and I noticed there is an account on my report that is NOT MINE. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for XXXX  's reporting services could fax, mail, or email in a fraudulent account. 

The account from XXXX XXXX XXXX XXXX is NOT MINE. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for XXXX XXXX XXXX XXXX. 

Your decision to post this invalid account on my credit report, as well as your failure to positively verify this erroneous account has hurt my ability to obtain credit. 

This is not only inaccurate and invalid, but it's unlawful and ILLEGAL. Under the FCRA, unverified accounts must be removed. 

If you are unable to provide me a copy of verifiable proof, you must remove the erroneous, inaccurate, unverified, invalid account listed below : Creditor/Name of Account : XXXX XXXX XXXX XXXX Account Number : XXXX Status/Provide Physical Proof : XXXX XXXX ( NOT MINE ) I demand the above account be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I have a Barclayscard Arrival + Mastercard. I use this card for one exclusive purpose ; it provides travel cancellation and interruption insurance. Barclays advertised this point as a marketing tool to get consumers to sign up for the card. The insurance benefit is {$5000.00} for a trip. Based on Barclays prior reputation, I trusted them to honor and to have this benefit for piece of mind. 

When I went to file a travel claim based on XXXX XXXX filing bankruptcy and getting stuck with {$600.00} of cancellation fees that were not reimbursed to my Barclays card, I submitted a claim only to have it declined. 

I have since appealed and I have not heard back from anyone acknowledging the appeal or the fact that I disagree with the decision. 

I find the insurance benefit to be very deceptive, unfair and misleading. I provided a valid explanation along with extensive support documentation for this claim.

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 2020-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
To Whom it may concern I am appealing the following accounts ( See attachment ). 
As of XX/XX/XXXX I noticed on my credit report I have student loans from Navient on my credit report reflecting in a negative way. Navient was involved in a lawsuit back in XXXX XXXX, and XXXX. All participants who had student loans with them were paid off. ( Debt cancelled ) ( Loan Forgiveness ). It was supposed to however it wasn't according to my credit report. 
The loan was sold and transferred to XXXX  XXXX XXXX XXXX XXXX XXXX. This shouldve never happened when this matter was resolved in the lawsuit I stated earlier. After an extensive research I was directed to you concerning this matter. I asked that you please help me resolve this matter. Im trying to move on and start fresh but find it quite difficult when this has a negative impact on my report. 
There are four different accounts listed on my credit report from XXXX  XXXX XXXX XXXX XXXX XXXX which the debt shouldve been cancelled but instead they have impacted my credit report in a major negative way. ( See attachment below ) Please help. I look forward to hearing from you along with having this matter resolved. 


Thank you for your service Respectively Yours

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TRANSUNION XXXX NEVER LATE XXXX XXXX NEVER LATE XXXX  XXXX HOME LOANS NEVET LATE

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 2020-06-08 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: IL

Complaint narrative:
Equifax is reporting accounts that do not belong to me. I have explained that these are FRAUD accounts & should be removed from my credit report but I am bounced back & forth between the companies that are listed and Equifax. This information does not belong to me for the accounts XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$960.00}. I have been a victim of identity theft and these accounts are ALL FRAUD!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I have a loan with credit acceptance ( acct # XXXX ) which is up to date. The loan was both in my husband and my name. My husband totaled the car, and his insurance company, XXXX paid {$10.00}, XXXX on XX/XX/2020. I called and spoke to a representative about the remaining balance in the beginning of XXXX and requested that my credit score be updated within 30 days. Afterwards I made arrangements to pay off the balance of the loan and made a payment of {$480.00} on XX/XX/2020. This brought the balance current. The representative stated that my credit score would be updated by XX/XX/2020 to reflect the current balance. I checked my credit report with all three agencies and it is reflecting a balance of {$17.00}, XXXX Credit acceptance requested an additional 30 days to correct the balance although I stated that I am aware of my rights as a consumer and that the company legally has 30 days to respond to correspondence/communication regarding accurate account balances. I spoke with XXXX, XXXX ( supervisor ) and XXXX in the corporate office, whom requested that I just keep calling the company until I can reach someone from their credit reporting division.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: VA

Complaint narrative:
This is my son 's account. Notified the original creditor, XXXX XXXX , XXXX account # XXXX in the amount of {$180.00}, that my son is incarcerated and would be there for an extended period of time. This debt, in turn, was passed on to another creditor, by the name of XXXX XXXX XXXX XXXX reference # XXXX. They were given the exact same information that the original creditor was given. Then, the current creditor, Dynamic Recovery Solutions , LLC, or DRS for short, address : XXXX XXXX XXXX. XXXX, SC XXXX reference # XXXX has just mailed me a collection letter dated XX/XX/2020 expecting payment in the amount of {$180.00}. I have not called the current collector as of yet since I just received this particular communication this morning. The facts are as follows : I am not a co-signer on this bill. This bill is in the name of my son, Mr. XXXX XXXX ONLY, and I had and have absolutely NOTHING to do with this at all! You have the names of three ( 3 ) creditors now, but this has been going on off-and-on for at least five ( 5 ) years, and I want it to stop!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I attempted to close my account with Citi Bank on XX/XX/XXXX. They told me it was closed and sent me a refund check for over payment of {$0.00}. After receiving that check I called and asked about the return of the deposit of {$200.00} that was required to open the account, and would be returned when the account was closed and all debts were paid. They told me it would take 30 ( thirty ) days for the to send it out. That would have made it XX/XX/XXXX. I called to see if it was sent out and they told me no that it would need 60 ( sixty ) days to be sent out. I am tired of this run around. I believe they have no desire to return my deposit as I have had so much trouble with them in the recent past on over  billing and made up interest charges. Please help.

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 2020-06-08 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: BANK OF HAWAII CORPORATION
State: OR

Complaint narrative:
All paid as agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I handle XXXX XXXX XXXX and XXXX XXXX XXXX at a XXXX, I deposit funds into the facility account, then cash a check from the account for the amount deposited for resident petty cash, and just cash the check for facility petty cash. To do this requires 2 forms of ID at Wells Fargo bank, per Wells Fargo, a Federal/State photo ID and an additional ( acceptable ID ). The bank sporadically accepts my Work ID which has a current photo that matches my Drivers Licence, employee ID number, Company Name. The checks that I am attempting to cash also have the company name, are endorsed by me with a signature that matches my drivers licence. 

The issue is that when I asked for a copy of the acceptable IDs and a copy of the Wells Fargo check cashing policy I was told that they are not available and are internal bank documents only. I spoke with a branch manager who told me they are internal documents only and I waited on hold for 30+ minutes on the Wells Fargo General Customer Support line and had my Case # XXXX escalated as far as it could go only to be told to ask a branch manager who very clearly told me they can not help and to call customer support. 

The rational behind this as told to me by the CSR ( customer service representative ) is that it is to fight fraud. Not allowing people to know what ID are accepted by the bank you are trying to work with is a fraud fighting measure according to Wells Fargo. 

All that I am asking for is a hard copy of the Wells Fargo Check Cashing Policy and the Acceptable ID list so that I can follow their rules for cashing a check.

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 2020-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stuart-Lippman and Associates, Inc
State: GA

Complaint narrative:
Stuart Lippman and Associates Inc Please delete the account from my credit report for all 3 bureaus ( XXXX, XXXX, and XXXX  ) I have no contract with you and a cease and desist was asked of your company..You are still negatively affecting my credit report by keeping an account that I dont owe you. If the account is not deleted I will be forced to contact the XXXX  and legal counsel to file suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
All of this information came to light to me in XXXX when I attempted to get per-approved for a home loan. 
In XXXX of 2019 I was charged XXXX by XXXX XXXX XXXX. 
In XXXX upon receipt of the statement I discarded it as I thought I had cancelled the card and additionally I knew I did not owe them anything. 

In both XXXX and XXXX the same ... 

In XXXX I applied for pre-approval for a home loan. Upon the process discussion with the loan specialist, I was shocked as I regularly check my credit and I know 3 months ago it was well over 750! As the loan company stated, my credit was in the mid 650s due to the issue with XXXX XXXX XXXX, XXXX. The amount that XXXX  XXXX billed my account was {$6.00}!!!??? In addition XXXX charged two months of late fees! I immediately called them and of course got a bull XXXX statement about the Wuhan Virus and blah, blah ... we're swamped and you have to hold ... In addition to the calls I sent a note summarizing the experience which was returned by the bank as UN-deliverable which I resent a second time. After 10plus calls and randomly pressing numbers I actually got a hold of someone. I asked to speak to a supervisor and was told there weren't any available. So I explained my issues. I thought I DQ 'd the card and tossed the bills and as a solution I suggested letting me pay the entire bill and correct my credit score. They said they would take off all the charges but nothing that they could do about the credit. I said that they are preventing me from the opportunity to buy a home and what makes it worse is it is over {$6.00}!!! I continue to contact the credit agencies and XXXX XXXX XXXX.

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 2020-06-08 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: NC

Complaint narrative:
All of this information came to light to me in XXXX when I attempted to get per-approved for a home loan. 
In XXXX of 2019 I was charged XXXX by XXXX XXXX XXXX. 
In XXXX upon receipt of the statement I discarded it as I thought I had cancelled the card and additionally I knew I did not owe them anything. 

In both XXXX and XXXX the same ... 

In XXXX I applied for pre-approval for a home loan. Upon the process discussion with the loan specialist, I was shocked as I regularly check my credit and I know 3 months ago it was well over 750! As the loan company stated, my credit was in the mid 650s due to the issue with XXXX XXXX XXXX, XXXX. The amount that XXXX  XXXX billed my account was {$6.00}!!!??? In addition COB charged two months of late fees! I immediately called them and of course got a bull XXXX statement about the Wuhan Virus and blah, blah ... we're swamped and you have to hold ... In addition to the calls I sent a note summarizing the experience which was returned by the bank as UN-deliverable which I resent a second time. After 10plus calls and randomly pressing numbers I actually got a hold of someone. I asked to speak to a supervisor and was told there weren't any available. So I explained my issues. I thought I DQ 'd the card and tossed the bills and as a solution I suggested letting me pay the entire bill and correct my credit score. They said they would take off all the charges but nothing that they could do about the credit. I said that they are preventing me from the opportunity to buy a home and what makes it worse is it is over {$6.00}!!! I continue to contact the credit agencies and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
All of this information came to light to me in XXXX when I attempted to get per-approved for a home loan. 
In XXXX of 2019 I was charged XXXX by XXXX XXXX XXXX. 
In XXXX upon receipt of the statement I discarded it as I thought I had cancelled the card and additionally I knew I did not owe them anything. 

In both XXXX and XXXX the same ... 

In XXXX I applied for pre-approval for a home loan. Upon the process discussion with the loan specialist, I was shocked as I regularly check my credit and I know 3 months ago it was well over 750! As the loan company stated, my credit was in the mid 650s due to the issue with XXXX XXXX XXXX, XXXX. The amount that XXXX  XXXX billed my account was {$6.00}!!!??? In addition XXXX  charged two months of late fees! I immediately called them and of course got a bull XXXX statement about the Wuhan Virus and blah, blah ... we're swamped and you have to hold ... In addition to the calls I sent a note summarizing the experience which was returned by the bank as UN-deliverable which I resent a second time. After 10plus calls and randomly pressing numbers I actually got a hold of someone. I asked to speak to a supervisor and was told there weren't any available. So I explained my issues. I thought I DQ 'd the card and tossed the bills and as a solution I suggested letting me pay the entire bill and correct my credit score. They said they would take off all the charges but nothing that they could do about the credit. I said that they are preventing me from the opportunity to buy a home and what makes it worse is it is over {$6.00}!!! I continue to contact the credit agencies and XXXX XXXX XXXX.

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 2020-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The debt collection company, called XXXX XXXX, has contacted at least one relative that I have not lived in the same household with since I was a teenager. This relative has nothing to do with this debt and the debt was incurred at least a decade after we ceased living in the same household.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: VA

Complaint narrative:
On XX/XX/XXXX I sent letters to the following companies about a car that was repossessed in state of Virginia on about XX/XX/XXXX. Which showed on my credit with a balanced of $ XXXX.The letters that I wrote along with documents showing that someone was using my SSN from XX/XX/XXXX to XX/XX/XXXX to acquire jobs, loans and credit cards. I ask the following companies to take this fraudulent information off my credit report by verifying it was me who applied and sign for these items. All other accounts were deleted accepted the repossession of the car : I wrote to the following companies told them to delete this off my credit there saying it still me without true verification. These are the companies that I have wrote they refused : XXXX XXXX XXXX wrote them on XX/XX/XXXX ; XX/XX/XXXX no responds. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX wrote them on XX/XX/XXXX no respond but they had been known for letting people get away with Identitiy theft people using other people ID from some reports. Business is closed down.r Wrote to all 3 credit bureau on XXXX they saying it was verified without sending me any documents. 
.

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 2020-06-08 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: Westlake Services, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I sent letters to the following companies about a car that was repossessed in state of Virginia on about XX/XX/XXXX. Which showed on my credit with a balanced of $ XXXX.The letters that I wrote along with documents showing that someone was using my SSN from XX/XX/XXXX to XX/XX/XXXX to acquire jobs, loans and credit cards. I ask the following companies to take this fraudulent information off my credit report by verifying it was me who applied and sign for these items. All other accounts were deleted accepted the repossession of the car : I wrote to the following companies told them to delete this off my credit there saying it still me without true verification. These are the companies that I have wrote they refused : Westlake Financial Services wrote them on XX/XX/XXXX ; XX/XX/XXXX no responds. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX wrote them on XX/XX/XXXX no respond but they had been known for letting people get away with Identitiy theft people using other people ID from some reports. Business is closed down.r Wrote to all 3 credit bureau on XXXX they saying it was verified without sending me any documents. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: TN

Complaint narrative:
I have two wrong addresses reporting on my equifax which are XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX. I disputed these 2 addresses 5 times and each time my dispute results comes back deleted however its still on my credit report.

Company response to consumer: Closed with explanation