vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Paypal claims that I have an available credit line with them, but have also told me that I can not use it. They claim that it is due to security risks yet offer no alternative for me to lift the security measures. THEY OFFERED NO SOLUTION except that I should use a credit card of my own.

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 2019-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
Debt is not mine, Company failed to validate debt a letter was submitted asking them to validate not Verify the Debt with original contracts and not a bill as stated in the Fair Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: OLIPHANT FINANCIAL, LLC
State: TX

Complaint narrative:
Oliphant calls my job twice a day every day for months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have contacted Target for 2 payments reporting as late from 2017 and it’s showing on my XXXX  report as updated but still not on my XXXX  and XXXX. It’s affecting my payment history negatively on my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I did voluntary surrender on the vehicle and was advised that the car would be sold and I would owe the balance due after the sale. XXXX XXXX reported the full amount was due even though they have the vehicle and auctioning it off. I have not received any updates on the sale price they received from the auction. yet the entire balance was placed on my credit. The car should have been reported as charge off after the sale and any monies they received. I have included documentation sent to the corporate office as well the XXXX  showing the balance was XXXX XXXX-but reported for a higher amount

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
i purchased patio doors From XXXX XXXX. They Were Installed By XXXX XXXX. They Had To meet building Code Requirements For XXXX Florida. On Two Separate Inspections they DID-NOT. ( I Paid for these Back In XX/XX/2019. ) My Payment Was Paid To Bank Of America For the Install.They Took My {$6500.00} For The Improperly Installed Doors. I Disputed The Payment Because They Failed Properly Installed For The Building Requirements For XXXX Florida. As Of today XX/XX/2019 They Are Not Installed Properly. They Don't Pass Code. I told the Bank, Bank Of America I wanted a dispute about {$5500.00} Payment. 
I was given One. and then Notified i Had to Pay the Balance Of {$6500.00} For The doors. I told the Bank I will not pay The {$6500.00} Until XXXX XXXX   Brings The doors Up to Code For My Location. I Believe I'm Protected From Further Payment Of these Doors Until XXXX XXXX Makes good on the Proper Install and Meeting Code For XXXX Florida. I Supplied The Bank All The Necessary Papers They asked Me For to Dispute The Charge Of {$6500.00}. ( Even The Dates Of The Building Inspection By The XXXX Building Dept ) They Are Asking Me ( Bank Of America ) To Pay For Doors That Were Installed By XXXX XXXX that DO-NOT Meet Building Codes For safe Installation For My Location. I Told The Bank, When They Are Installed Properly And Meet The Code Requirements For Florida, I Will Pay The Balance In Full. 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 2019-12-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WHEELS FINANCIAL GROUP, LLC.
State: AZ

Complaint narrative:
This account was opened without my knowledge. It is now a growing account started at {$2000.00} and is now up to {$18000.00}. I called company requested any info and the refused telling me that no info can be given to me since I claimed it to a fraudulent account, and I was hung up on. Every month this company since 2014 has reopened in credit report and has added a {$240.00} charge making balance in credit report sky high.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I nor any lender can access my trimerge credit reports because there is an error stating mismatch with Equifax. I've faxed in 2 letter and have made several calls, spending several hours on the phone with Equifax this week and no one is assisting me. The only options that Equifax gives me is to have lenders call them directly, or that there isn't anything wrong with my file. I've told numerous representatives that I need to access my credit profile because we are in the process of buying a house and it appears as if they have a freeze on my file and no one seems to care at Equifax. One manager actually told me to call back the next day because he couldn't help me, another manager stated that it was ok for me to file a complaint with CFPB if that is what I was willing to do instead of taking my advice on having my soft inquiries removed as a trouble shooting method. This happened to me in XXXX of this year as well and it took over a month before I could finally access my credit profile. This is unacceptable and I need whatever glitch or error there is on Equifax end fixed as soon as possible. They claim that all of my information is what they have yet, their automated system will not accept my information and I am unable to pull my credit profile using any of their direct methods via XXXX, equifax.com or even while speaking to a live representative attempting to activate the online profile for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Never received promotional {$300.00} credit after meeting the conditions for the credit. Complained to CFPB who did nothing but shuffle complaint to Bank of America who promptly lied to the Federal Government, Gee what's new? Said bank told CFPB in latest lie that they have sent me mail. Never received any contact from the bank and yet CFPB considers the matter closed? Well I don't. Somebody at CFPB needs to shake the tree, this is ridiculous.

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 2019-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: AZ

Complaint narrative:
XX/XX/2013 My Mother-In-Law went to the doctor. She was XXXX yrs old at the time. She gave them her insurance. They were suppose to cover the whole bill. When we received the bill my wife spoke to them and said they needed to submit it to the insurance company as My mother in law was 100 % covered for this. I have Never spoken to this collection company. My Mother in law passed away 3.5 yrs ago. This collection company is attempting to damage my credit by putting it on as a recent non medical collection. They are misrepresenting the debt and who it belongs to. This needs to be removed from my credit 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 2019-12-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
I make my truck loan payments on the XXXX or earlier every month in XX/XX/2019 I logged into TD Auto Finance website as they encourage you to do and made a larger payment then my required payment. The web site accepted the payment but did not give me a confirmation number. I made a note of this and the next payment in XXXX I logged in and there was no notice of missed payment or notice of a balance due just the standard payment amount. Once again I made a larger payment. Each successive month I over paid my monthly amount in XXXX I happened to open their paper statement and it showed the had received the larger payment in XXXX but said I had a balance due and had late charges. Calling them I found out that their system had not processed the XXXX payment and when I asked why there was no indication of the non processed payment on the website I was informed the website wont show that it only takes payments. None of their information indicates that in fact they push you to the website to manage your account. So instead of being ahead on my loan I was behind. I pay all of my bills online and manage all of my accounts and all of them provide me clear notices if there is any type of issue. TD should have to clearly state that the website is not an account management tool but just a payment gateway which they do not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-13 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: FL

Complaint narrative:
credit agencies refuse to remove an account that over 7 years old,  also the court documentation has been submitted that the case was dismissed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120 - 180 ) days late on XXXX  account numbers XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
XXXX XXXX filed a fraudulent insurance claim on my damaged phone back in XX/XX/XXXX i believe and after i switched companies they are trying to charge me XXXX after the fact for a damage phone and already sent me a debt collection letter before even sending my final bill

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 2019-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
I have disputed all my accounts with portfolio recovery through the original account holders and never got a response so they should have never sent it to profolio recovery and I'm siting a court case that shows that they are not allowed to do that. XXXX  XXXX XXXX XXXX XXXX   XXXX versus XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: FL

Complaint narrative:
credit agencies refuse to remove an account that over 7 years old,  also the court documentation has been submitted that the case was dismissed

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 2019-12-13 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: FL

Complaint narrative:
credit agencies refuse to remove an account that over 7 years old,  also the court documentation has been submitted that the case was dismissed

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 2019-12-13 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:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120 - 180 ) days late on XXXX  account numbers XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2019-12-13 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: CA

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120 - 180 ) days late on XXXX  account numbers XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2019-12-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
On XX/XX/19 I got an alert that Deville collections had added a collection account on my XXXX  credit report with the original creditor of XXXX Deville did not properly notify me via mail before placing this account on my credit report this not giving me the right to dispute. Plus the account with the original creditor XXXX is more then 7 years old. Please dispute all credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
On XX/XX/19 I agreed to a {$140.00} payment to Navient. On XX/XX/19, I received an email thanking me for {$210.00} payment. After calling Navient, they struggled to explain how this happened and offered two contradicting reasons before telling me this was for my XXXX payment due in one month. I asked to have that returned to me and they said it would 4-6 weeks which is after my XXXX payment is due. This is unacceptable and I will continue to pursue other options in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
synchrony Bank has repeatedly called me and harass me when I tried to set up payment payment arrangements for all my accounts they told me they would call me back they never called me back and when I finally did call them they told me it wouldn't work

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 2019-12-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian sent a letter declining to investigate an inaccurate account on my credit report. Collection center has received a valid FTC report dated XX/XX/2019. Experian is violating the law by refusing to be NONCOMPLIANCE. Here is a copy of the response they sent to me by mail. Also a copy of the FTC report filed.

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 2019-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: OH

Complaint narrative:
i HAVE SOME INACCURATE INFORMATION SHOWING ON MY CREDIT REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX THE FOLLOWING ADDRESSES ARE NOT MINE NEVER LIVED AT THESE ADDRESSES PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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