vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
In XXXX I co-signed for a Care Credit account for a friend 's dental work with XXXX XXXX. The work was expected to take 6 months. In XXXX all dental  work was put on hold in Michigan due to Covid-19.  Dental  work resumed XX/XX/XXXX, and my friend has 3 more visits to go until her work is complete. 
During this time we never received a bill. She asked the dentist who said that happens sometimes. We assumed once the service was complete we would receive a bill and begin payments as agreed. 
Last week I checked my credit report and saw Care Credit through Synchrony Bank had reported me as 150 days late. I called them and they could not give me any information, just sent me to a collections department. I spoke to the lady there, who could not tell me how to make a payment, said I would not get a bill and just kept saying you should have called us 7 months ago. Maybe we should have, but we assumed we would get a bill when the procedure was complete. 
The account number is XXXX XXXX XXXX XXXX. The balance is {$12000.00} approximately. I want to pay my debt as we agreed, but can get no cooperation from Synchrony Bank.

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 2020-06-09 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: U.S. BANCORP
State: FL

Complaint narrative:
I am in receipt of your letter dated XX/XX/2020. The merchants documentation do not show that the vehicle had a non-refundable down payment. It specifically states that deposits on vehicles to hold them so that they can not be sold is not refundable. The down payment was part of the finance deal and was used in order to get a certain interest rate with the financial lender. 

In addition, I am attempting to get additional documentation for you from XXXX, but I have attached the document showing that XXXX XXXX paid XXXX and purchased back the vehicle in full nullifying the contract and at that time, according to XXXX, they were to return the down payment to us. 

I have made numerous attempts to contact XXXX XXXX, but they do not respond. 

The payment from XXXX XXXX to XXXX was on XX/XX/2020. Since XXXX XXXX received the vehicle back, they should of returned the down payment, but it has yet to be received. This is the reason that I am initiating this dispute. 

Please reprocess the dispute and note that all of the documents that were originally signed are also attached to this letter. Anything additional was forged by XXXX XXXX, or was not provided at the time of the transaction. In addition, XXXX auto neglected to properly disclose on the credit card transaction receipt or anywhere in their showroom that the amount paid on the credit card would not be refundable. 

Because of these multiple reasons, it is in violation of the Visa Guidelines, and I respectfully request that this go to arbitration or that the case be reopened and the amount refunded back to me directly from Elan Financial in this dispute. 

Feel free to call me at anytime with any additional questions. 

Sincerely, 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 2020-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Activehours
State: FL

Complaint narrative:
I try to link my XXXX XXXX  account with XXXX XXXX and the earnin app and it will not let me link my XXXX debit card or bank account to any money service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: CITIBANK, N.A.
State: OR

Complaint narrative:
On XX/XX/XXXX of XXXX I paid {$310.00} I was told this would bring my account balance to XXXX. XX/XX/XXXX paid {$75.00} XX/XX/XXXX paid {$100.00} XX/XX/XXXX paid {$100.00} XX/XX/XXXX paid {$50.00} XX/XX/XXXX paid {$100.00}. 
I asked for the statement back to the time of my last purchase, I only received statements back to XX/XX/XXXX. Each month I talk to a representative at Home Depot trying to resolve this.I have been charged {$400.00} in late fees XXXX In interest fees in the time between XX/XX/XXXX and XX/XX/XXXX.I have made {$420.00} in payments to Home Depot in that same time period and yet as of XX/XX/XXXX my balance remains {$340.00}. 
I have more than paid for my original purchase. Ive offered to pay an additional payment to settle my account to XXXX balance which they refused.I desperately need help resolving this account 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 monetary relief
Consumer complaint received 2020-06-09 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: CA

Complaint narrative:
Credit Bureaus refuse to remove or verify an incorrect collection that is not mine. XXXX  XXXX in the amount of XXXX . This account is violating the FCRA laws. Needs to be removed

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 2020-06-09 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: CA

Complaint narrative:
Credit Bureaus refuse to remove or verify an incorrect collection that is not mine. XXXX  XXXX in the amount of XXXX . This account is violating the FCRA laws. Needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX, I attempted to contact Best Buy through a store, customer service, creditor 's accounts and through corporate headquarters. I also contacted CitiBank corporate, creditors number and a local branch. No one was available to help me resolve the situation. I have a fraudulent claim by Best Buy and CitiBank. I have been cited twice under the same account which has drastically hurt my credit score. I had an account closed by Best Buy without my knowledge. The status of this account is incorrect. Additionally, therefore the creditor is reporting it wrong.

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 2020-06-09 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: NY

Complaint narrative:
I had an XXXX  account on my credit report that did not belong to me nor did I have a contract with. I submitted a XXXX  complaint and got a response from the company. They stated that they will inform the 3 credit bureaus that they will remove the account. I have the letter from the company as well as my XXXX  complain number Complaint ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Loan originates from XXXX. In XX/XX/XXXX due to divorce I was awarded sole occupancy and exclusive use of jointly owned home with ex-spouse, at same time I was obligated to be solely responsible for all mortgage payments ( property tax included in loan, escrow account ). I jointly applied for the mortgage together with ex-spouse in XXXX, we both signed for the loan, I am on the Deed as well. 
I have since XX/XX/XXXX had issues with not recieving information, and refunds of escrow overage, regarding the loan. I requested documents such as Principal paid on property in XX/XX/XXXX - wasn't received, I requested all mailed information regarding loan to be mailed to the porperty address of the loan, was never done. I was informed it was mailed out, but only to the co-signor my ex-spouse they said the could not mail it to me. In XX/XX/XXXX I contacted TD Bankregarding the escrow account and the recalculation of taxes, and was after much struggle informed that an overage check ( {$1000.00} ) was mailed out to the ex-spous 's address, made out to us both that he cashed in. Even though I explained the entire situation and which you can clearly be seen in the payment history that I have been the only person paying the mortgage since the forementioned date. The bank again refused to help. XX/XX/XXXX I logged into to my mortgage account to discover that my mortgage payment has increased by {$260.00} / month due to insufficient funds in the escrow account. I contacted the bank immediately asking as to why I was not informed of this. They stated information had been sent out in XX/XX/XXXX. I, of course never received this information. I asked why, they said that it was sent to just the ex-spouse 's address. I contacted TD Bank via email, phone, and XXXX regarding this, and am still waiting on a call back from their escalations team. I have spoken to their escalations team in the past and nothing has ever been resolved. Why is the bank allowed to treat me so inequal to the other loaner? We are both obligated to make payments to the bank or they will go after us both. But the bank only communicates and sends refunds to one party! I have excellent payment records but am still treated unfairly by the bank and its staff. 
Contact dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Plus numerous times on their online messaging system, phone calls, as well as in person at the local branch where the mortgage originates from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Today XX/XX/20 I checked my credit report via XXXX when I noticed my score went down. I went to review the changes I saw that SouthWest credit system was on my report for XXXX I immediately disputed the information via XXXX  and call said company. My first question was why was I not informed on the debt. The rep stated they just received the information about a month ago. This still did not answer my question. I requested an manager. I spoke with an XXXX whom stated that in Florida they do not have to give a notice about said debt before placing the acct on my credit report. I know this is not true as I believe I am given the ability to dispute the charges. I have already reached out to the original creditor whom is during an informal investigation. However I feel this company violated the fair debt collection practice act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX {$460.00} XXXX XXXX XXXX {$2500.00}

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 2020-06-09 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX {$460.00} XXXX XXXX XXXX {$2500.00}

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 2020-06-09 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: IL

Complaint narrative:
As mentioned on XX/XX/2018, I contacted Equifax via certified mail in response to a claim the Illinois Federal Bankruptcy court verified a bankruptcy under my name and social security is accurate. I am once again challenging the accuracy, compliance and reportability of this information, because it was NOT released through the Illinois Federal Court but through a 3rd party XXXX/XXXX. This information was obtained through a 3rd party and NOT directly from the Illinois Federal Court, this is a violation of the Fair Credit Reporting Act. Equifax has failed to validate the information with the Illinois Federal Court, also I've requested documentation bearing my signature that I've given XXXX/XXXX  consent to release any information concerning myself. I have requested the procedure for verifying records and have not received them from Equifax. Equifax did not receive this information directly from the Illinois Federal Court but through a 3rd party, therefore this is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I was alerted that someone used my card fraudulently for services that were not even related to my name or anyone I know. I reported them and Care Credit has not been handling this seriously. They never removed the amount and have been reporting this to the credit agency ever since. I have used Care Credit for over 15 years and have always paid off my balances, I have worked hard to get my credit score higher and don't want to risk that. I feel strongly they are ignoring my pleas for help and not taking the situation seriously. I am on full XXXX and financially need to have good credit as I move through my life. 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
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Pittenger Law Group, LLC.
State: MO

Complaint narrative:
Pittenger Law Group , LLC . sent a letter via USPS claiming to collect a debt that was discharged and sold. I responded accordingly and informed the Debt Collector that I did not owe what the letter claimed. I asked for validation of the debt and informed the Debt Collector of the Fair Debt Collection Practices Act and that all correspondences be sent via USPS ... 

Pittenger Law Group , LLC . sent an Itemized list along with a copy of a contract agreement. I responded accordingly within the dates stated within the letters sent, by next day express mail and sent copies of the receipt, after XXXX XXXX alluded that His office received the letter after the last date given to respond -- - here are the following dates XX/XX/2019 - XX/XX/2019 - XX/XX/2019. 

There is no contract between the original creditor, nor Pittenger Law Group , LLC . The Debt collection practices XXXX XXXX and Pittenger Law Group , LLC . has been in direct violation of FDCPA rules and regulations. I am dragged into Court, although XXXX XXXX has shown without any of the File or Documentation and has admitted to being unprepared. Where is Attachment A or the Contract Agreement between the original owner and the Debt Collector ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
I was turned down for a home mortgage because of a collection account reporting on my credit report for XXXX. This account should have never gone to collections as I paid the final bill in full. XXXX billed my account for another month which is what caused the unnecessary balance that I was forced to pay. The collection agency lied to me on a recorded line stating that this account would be deleted from my credit report. I am requesting that the recorded line be listed to by a supervisor and hear what was promised to me. I feel like I was strong armed by thugs dealing with this company and their sneaky wordings to make you think your getting something that your not. This is not right for the way I was treated and it has affected my ability to close on my investment property. I am going to allow this company 30 days to send the request to delete this account from my credit report or I will be filing a lawsuit for damages on the profits they have caused me for this inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Hello, My loan is serviced with a company called Nelnet and I have been paying significantly more in monthly payment ( {$1000.00} vs. {$440.00} ) so I can pay off this faster and never have any student loan again. 

Today, I looked at my account to ensure that they are still taking the money out rather than deferring it due to the pandemic and realized that my last two payments had {$0.00} applied to the principal. Upon seeing this, I reached out to them and their explanation is that they decided to only apply my payment on one of two loans while the second loan would continue to accumulate interests ; hence, the total loan amount was growing when I was making more in monthly payments, which I thought it would go towards both loans. 

I think this is extremely ethical to let one loan get bigger when I am making extra payments so they can benefit from it as much as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I received my card and cardmember agreement from American Express. On XXXX XXXX I contacted American Express to apply for a balance transfer, however I was informed by customer representatives and supervisor XXXX ID # XXXX that American Express does not allow balance transfers after the first 60 days of card opening or without a promotional offer. This information is contradictory to the information clearly stated on the cardmember agreement, which states that : " 0.00 % introductory APR for the first 15 months on balance transfers requested within 60 days of account opening. After that, your APR for those transactions and any other balance transfer requests, if we accept them, will be 14.74 % to 25.74 % based on your creditworthiness and other factors. '' There is no further information on the cardmember agreement that references balance transfers not being accepted after the initial 60 days after card opening. There is also no information in the cardmember agreement that states that the only time to apply for a balance transfer request is within the initial 60 days or during a promotional offer. When I asked American Express representatives to provide the stated balance transfer application rules, I was informed that they could not. I have included the information about balance transfers that I received when I applied for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: Commonwealth Financial Systems, Inc.
State: CO

Complaint narrative:
I contacted XXXX about 2 accounts that were not mine on XX/XX/XXXX, XXXX one for {$1400.00}, one for {$520.00}. I disputed these accounts and also contacted the company which is Commonwealth Financial XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX to find out why this was place in my credit report. The name was not mine, I never used an emergency Physician in my lifetime as I have had the same Doctor for 20 years. They asked me my birthdate and they said it was not correct. I spoke to a girl named XXXX with Commomwealth. She said  she would have them take it off, which XXXX did take it off. Then today XX/XX/2020, I get an email from XXXX telling me that they reversed it. This is NOT me and I need help to get this resolved. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I ordered a bike from a company thats called XXXX  never received a email of my purchase also sent PayPal a message telling them I felt it was a Fraud purchase fraud purchase I ha e not been able to get a response from them.

Company response to consumer: Closed with monetary relief