vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank, XXXX Florida is the company for my medical credit card for {$800.00}. This year starting in XXXX, I initiated a repayment plan. When I asked the minimum amount allowed per month ( {$69.00} ), I  was misinformed. I was charged {$200.00} in XXXX and {$69.00} every month til present. In XXXX, I noticed that my balance was not changed, I called to inquire & I was told credit report wasnt updated ( bi-monthly ). In XXXX I still noticed no change to balance & When I asked, I was told that no one had information for me about the details on my account and that I would have to file a complaint and that it would take 30 days for them to respond. Two months go by and then I call again for answers And the woman on the phone tells me that she cant give me any details but I can make a payment to avoid punishment. I told her I cant make a payment until I know with the balance is and what is going on with the account because there is something wrong. They still did not answer me and instead reported me to the credit bureau and dropped me and raise my balance. I was forced to pay the balance in full just to protect what little of my credit is left but they have damaged me to the point of 100 points and still have not ever answered my complaint.

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 2018-11-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: JPL Recovery Solutions
State: CA

Complaint narrative:
Jplrecovery has contacted my job 3 times stating they are attempting to collect a debt I then asked them what it was regarding and XXXX states he did not need to speak with me so then I told him to stop calling my work and to call my cell phone # the first time, second attempt they called asking who the manager was and I hung up on them third attempt they asked to speak with me again and they were hung up on.. The 4th call was made to my employers home phone number which they spoke with my employers wife and asked personal questions and disclosing that they are attempting to collect a debt and asking the status of my employment, when I was hired, my pay rate which my employers wife did not have that info and asked them not to call their home. Jpl recovery then asked when they can call back to obtain the information they were asking for. Employers wife states numerous times she did not have that info and to stop calling. She did obtain a call back phone number and a name of person calling ( XXXX ). I would like to file a complaint of harrasment against JPL recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
I have credit monitoring with XXXX which was taken over by experian. I wanted to cancel my membership, logged into my account, found the phone number they said to call and called. After requesting a full social security number, which I find suspect, they run you through a number of prompts before saying you don't have an account. There is absolutely no option to talk to a live person and it is impossible to cancel. Thousands of other people have had this exact problem with experian. I have called 4 different numbers for experian and every one of them makes it impossible to actually cancel a reoccuring payment for this service.

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 2018-11-16 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: TX

Complaint narrative:
I pulled my credit report on XX/XX/XXXX. I found several errors and items I disagree with. I proceeded to contact XXXX   XXXX and Equifax in writing about these issues in an effort to get them corrected and removed. On XX/XX/XXXX I mailed a written notice to Equifax, XXXX and Equifax. The following items were not properly investigated, in my opinion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX On XX/XX/XXXX I mailed another letter to XXXX, XXXX  and Equifax requesting a re-investigation be done as I believe strongly that if they actually investigated this account, it wouldn't have been able to be verified. On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX for which they did not properly investigate the account either. XXXX XXXX continued to refer to the account as an auto loan when there was no advancement of article or monies ; just as well the agreement states it to be a credit sale in accordance to the retail sales contract. 

I then contacted XXXX XX/XX/XXXX when they supposedly investigated the account yet deemed it as reporting correctly and then again on XX/XX/XXXX when I noticed more errors regarding account XXXX which I never agreed to. The transaction history shows a new account was open on XX/XX/XXXX although it reporting to Equifax as being opened XX/XX/XXXX. XXXX claims their reporting to be correct yet have not provided an agreement for the alleged account number XXXX nor will they correct or remove their incorrect reporting. 

XXXX has also failed to mark these accounts as in dispute as required by FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
none of the 3 credit bureaus, are responding to my disputes

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 2018-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
inaccurate information showing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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: FIRSTBANK PUERTO RICO
State: FL

Complaint narrative:
On XXXX me and my wife filed a Charter XXXX on US Bankruptcy Court with Case No. XXXX, then by XXXX US Bankruptcy Court given us the " Order Discharging ''. First Bank of Puerto Rico was part of the " Secure Creditors '' with 2 Auto Loan Accounts, both Autos where delivered to them. 

After more that 3 years, First Bank of Puerto Rico still continuing reporting that we have a debt. Last reported was on XXXX XX/XX/XXXX where they reported two Auto Loans as a " Collection/Charged off Account '' on XXXX  and by XXXX XX/XX/XXXX and XXXX XX/XX/XXXX they reported the two same Auto Loan as a " Collection/Charged off Account '' with XXXX. 

I had tried too many times to resolve this OLD issue, I have called them and also through these 2 credits bureaus. They have told me that they will not change nothing because is the way that they do in Puerto Rico. 

These 2 error have impacted negatively my Credit Score creating higher interest loan for my Auto and my House that I just bought, also I have had some Credit Card decline applications. 

Please need your help to fix this immediately. 
Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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: SECURITY FINANCE CORP
State: IL

Complaint narrative:
A company that I have a loan through, Security Finance, has done a hard inquiry on my credit report several times since the initial loan. The original loan was applied for and started in XX/XX/XXXX. Since then they have done a hard inquiry on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I spoke with someone in the office and they insist that they have only done soft inquiries, which they are allowed to do. However, it is obvious to me that they are routinely performing a hard check on my credit without my permisison. Because they refuse to accept their error and cease this action, I am filing a complaint to have these removed immediately by them.

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 2018-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I received a summons for debt collection from XXXX County Sheriff 's office XX/XX/XXXX saying I owed {$2600.00} which included interest, judgement cost, and attorney fees. It is planning on garnishee my wages from my employer. The hearing is set for XX/XX/XXXX with no time listed. I contacted the creditor ( XXXX XXXX XXXX ) thru the Attorney 's office listed as XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX by phone ( XXXX ) XXXX. I spoke with XXXX at first, then she referred me to XXXX XXXX. He stated I had to pay {$2600.00} to them my credit card, check, or debit which will process within 3 days. He stated I owed XXXX XXXX  since XX/XX/XXXX. He told me the account number it was opened under. Then he told me the account number I need to pay under. It was 2 different account numbers. I asked for the information of the creditor so I could contact them to resolve the issue, but they wouldn't disclose that. I told them I had no debt in that amount and that I had never heard of such company. He just told me to pay. Then I checked my credit report and there was nothing from that company or in that amount. I received another phone call last night saying I owed another major credit card debt. I have been receiving threatening phone calls saying they will file fraudulent and legal charges against me for this debt. I have since then contacted the FTC and filed a complaint. Now I am filing a complaint with you all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Have contacted all 3 major credit bureaus via phone and letters to challenge accounts that are not reporting to my credit report correctly either these are not my account or information is invalid either way they need to be removed and blocked. I received a letter indicating refusal of removal for the following accounts that need to be removed immediately : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Chapter XXXX Bankruptcy, XXXX  and Chapter XXXX bankruptcy.

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 2018-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
XX/XX/18 : Opened a checking account via a webpage promoting a {$300.00} bonus for opening the account after a a {$2000.00} deposits within 60 days. 

XX/XX/18 : Deposited {$5000.00} into the account. 

XXXX Spoke with a representative via chat who stated I needed to wait longer for the bonus. After further inquiry the representative stated my account had no promotion attached to it. Stated she was unable to resolve this issue. Refused to close the account. Refused to escalated to a superior.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I paid off the account in full in the amount of {$720.00}. The collector told me they are able to remove the account from my credit report but they wont because theyre not required. I spoke to XXXX XXXX at Medical Data Systems and she is the one who told me this. I have a letter stating the XXXX balance.

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 2018-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA

Complaint narrative:
My mortgage was sold from XXXX XXXX to Bayview Servicing last year after my mortgage process was screwed up. I contacted the new mortgage company Bayview Loan Servicing in XX/XX/XXXX because my XXXX school taxes had not been paid to the XXXX XXXX XXXX XXXX. The rep on the phone confirmed that the bill had not been paid. She said, I am marking the bill paid and will send an inquiry to the escrow department so they can trace your payment. She assured me that they would research the account and pay any outstanding bills. I received another notice this month stating that if I did not pay the delinquent amount by XX/XX/XXXX that my home would be sold. I contacted them again and was assured it was indeed paid, but they could not provide me with a check number to provide the county. They gave me a tracking number for a XXXX  XXXX   shipment and the dates did not match up to what the agent XXXX said my payment was sent/processed. The county confirms that they don't have my payment. I do not want my home sold out from under me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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: VA

Complaint narrative:
Dear Sir or Madame, The purpose of this communication is to file a formal complaint against Equifax. I have repeatedly asked for evidence to support their reporting, but they have failed to provide me with a copy of viable evidence submitted by the following collection agencies reporting fraudulent collection accounts in my credit files. 

1 ) XXXX XXXX - Original Creditor : XXXX XXXX XXXX Balance - {$150.00} 2 ) XXXX XXXX XXXX - Original Creditor : XXXX XXXX XXXX XXXX Balance -  {$320.00} 3 ) XXXX XXXX XXXX - Original Creditor : XXXX XXXX XXXX XXXX Balance - {$120.00} Unfortunately, after not receiving any responses from the collection agencies reporting erroneous collection accounts on my credit reports. I disputed these accounts on three separate occasions with all 3 credit bureau 's by mail ( Certified mail return receipt requested ) requesting the following : 1 ) Investigation of the fraudulent collection accounts 2 ) " Burden of Proof '' Documentation bearing my signature, verifying that these accounts belong to me 3 ) " Fraud Alert '' be placed in my credit files with my phone number asking that goods or services not be extending without first contacting me personally and verifying all application information. 

Thankfully, XXXX  and XXXX abided by the " Fair Credit Reporting Act '' by working with me in a collective manner to rectify these fraudulent collection accounts ultimately deleting them from my credit files. However, I have little to no responses from Equifax in providing me with the " burden of proof '' or status of my investigation/re-investigation results within a timely manner. Most importantly, in my third written communication to all three Bureau 's I submitted a police report, a letter requesting a Fraud alert be placed on my file and a re-investigation of the fraudulent collection accounts. 

Therefore, I will be providing all supporting documentation to support my claim and attempts to communicate effectively with Equifax and the collection agencies regarding this matter. Lastly, I am asking for you to intervene for a fair judgment based on the Violation of The Fair Debt Collection Practices Act and The Fair Credit Reporting Act ( including but not limited to Section 623. ) and have any inaccuracies removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: KY

Complaint narrative:
I borrowed funds from CheckSmart. Unfortunately within the time I was scheduled to pay back, I had unforeseen expenses come up that just had to take priority. On XX/XX/2018, between XXXX XXXX ET and XXXX XXXX ET, I received 12 calls total. I was at work unable to answer. When attempting to call the number back, I was unable to get through. On the following day, XX/XX/2018, between XXXX XXXX ET and XXXX XXXX ET, I received 9 more phone calls while I was at work. From a number that I was unable to call back. I find this to be extremely harassing as not only was I not given enough time to call back, I also can not reach the company from the number that I received calls from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I contacted synchrony bank that takes care of the XXXX  XXXX card I use. 
I made my payment on XX/XX/XXXX, they then charged me a late fee for being a couple dollars off? Paid {$25.00} like I always do, I wasn't aware of the amount difference or issue on the account. 
Some how the other payment for XX/XX/XXXX didnt go thru for the monthly amount I set it up for, they ended up closing the account for me/returning that {$38.00} fee and would not work with me to take care of the other late fee ( from XXXX ). 
I won't do business with them again, I got really upset with them and refuse to be their customer with their bad business practices, I paid my XXXX bill and said I'm done with them totally. They need to be better to their customers, thats why I chose to leave.

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 2018-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have one existing Capital One Card. About 2 years ago, I called the credit card company and asked them to lower my Interest rate. I believe that my credit score was in the mid-700 's. At that time, I had two Capital One cards and had paid off these cards a few time with large sums of money paid. I believe that this company has been discriminating against me for some time. When they refused to lower the Interest rate the first time, I had that Bank canceled one of my cards. After I canceled that card, I began to get harassed by this bank in regards to my online activity where I would pay the amount owed. The Credit Card online account on numerous time had my password being changed, and I had to wait long periods to get it taken care of. I filed a Banking Complaint against them more than once. What can you do to assist me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Have contacted all 3 major credit bureaus via phone and letters to challenge accounts that are not reporting to my credit report correctly either these are not my account or information is invalid either way they need to be removed and blocked. I received a letter indicating refusal of removal for the following accounts that need to be removed immediately : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Chapter XXXX Bankruptcy, XXXX  and Chapter XXXX bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Have contacted all 3 major credit bureaus via phone and letters to challenge accounts that are not reporting to my credit report correctly either these are not my account or information is invalid either way they need to be removed and blocked. I received a letter indicating refusal of removal for the following accounts that need to be removed immediately : XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX, Chapter XXXX   Bankruptcy, XXXX and Chapter XXXX bankruptcy.

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 2018-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pending Company Match
State: NC

Complaint narrative:
I paid off the account in full in the amount of {$720.00}. The collector told me they are able to remove the account from my credit report but they wont because theyre not required. I spoke to XXXX XXXX at Medical Data Systems and she is the one who told me this. I have a letter stating the XXXX   balance.

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