vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-12 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
PayPal Mastercard keeps sending my check back to me then marking it late adding fees and calling non-Stop. They have done this all year. My father passed away in XX/XX/XXXX, so all assets were frozen I advertise and was paying bills out if my own pocket. PayPal took my PayPal card and put it in my name plus added the business name onto it, we have had this commercial bank account since XX/XX/XXXX. Anyone I speak to at PayPal is just repeating the same thing this ya an attempt to collect a debt. I have copies of all the checks sent back and I even received a letter from them stating they would not take off interest or Late fees. NOT FAIR! Ive never been late they know whos payment it is, I mail it back and they mail it back to me. Not sure what to do but my patience are wearing thin we are going on 7 months! And XXXX XXXX is another one I have my deed in Lou of foreclosure paperwork and because I contacted you they added on to additional months that theyre saying were never paid when the house didnt even belong to me at the time my husband was responsible for paying the mortgage because I moved out and had a XXXX XXXX   during the course of our 90 day divorce he was responsible for the mortgage payments and he squatted. and XXXX XXXX is another one I have my deed in Lou of foreclosure paperwork and because I contacted you they added on to additional months that theyre saying were never paid when the house didnt even belong to me at the time my husband was responsible for paying the mortgage because I moved out and had a XXXX XXXX   during the course of our 90 day divorce he was responsible for the mortgage payments and he squatted XXXX XXXX has read my decree and they have my deed in Lou of foreclosure that I paid for myself XXXX my ex-husband paid nothing towards it he wanted it to go into collections so between these two banks we need to get this straightened out

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 2019-09-12 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: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX XXXX keeps sending my check back to me then marking it late adding fees and calling non-Stop. They have done this all year. My father passed away in XX/XX/XXXX, so all assets were frozen I advertise and was paying bills out if my own pocket. XXXX took my XXXX card and put it in my name plus added the business name onto it, we have had this commercial bank account since XX/XX/XXXX. Anyone I speak to at XXXX is just repeating the same thing this ya an attempt to collect a debt. I have copies of all the checks sent back and I even received a letter from them stating they would not take off interest or Late fees. NOT FAIR! Ive never been late they know whos payment it is, I mail it back and they mail it back to me. Not sure what to do but my patience are wearing thin we are going on 7 months! And XXXX XXXX is another one I have my deed in Lou of foreclosure paperwork and because I contacted you they added on to additional months that theyre saying were never paid when the house didnt even belong to me at the time my husband was responsible for paying the mortgage because I moved out and had a XXXX XXXX   during the course of our 90 day divorce he was responsible for the mortgage payments and he squatted. and XXXX XXXX is another one I have my deed in Lou of foreclosure paperwork and because I contacted you they added on to additional months that theyre saying were never paid when the house didnt even belong to me at the time my husband was responsible for paying the mortgage because I moved out and had a XXXX XXXX   during the course of our 90 day divorce he was responsible for the mortgage payments and he squatted XXXX XXXX has read my decree and they have my deed in Lou of foreclosure that I paid for myself XXXX my ex-husband paid nothing towards it he wanted it to go into collections so between these two banks we need to get this straightened out

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
A credit inquiry from XXXX XXXX XXXX. is on my credit report, this should not be there.

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 2019-09-12 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: CITIBANK, N.A.
State: CT

Complaint narrative:
Have an XXXX XXXX Citi credit card. Attempted a purchase online from a XXXX   company for {$140.00} usd. Card declined. Called Citi to find out what the issue was. Representative stated that they can't verify I am who I say I am and have to send me a text message - No text message ever arrived. I offered to answer any question they had, send copies of the card, my ID, social etc ... Representative said nope - We are blocking your account access. I can't use the card or even access the account online to make payments. Representatives BARELY speak English. No solution to access or unblock my account or even to make a payment. Impossible to speak to a representative who is a native English speaker. No method to access my account or verify I am myself. Completely unacceptable.

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 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: TX

Complaint narrative:
This company " American Coradius International '' sent a collection letter to us stating that XXXX is the original creditor and we owe money, but we still have an active and in good standing account of the ONLY XXXX account that we have, so how is it that we are in collection mode from XXXX? 

So these RED FLAGS is what prompt us to send this complaint because this sound fraudulent, I ask the agent question which she did not want to disclose, and only wanted to know all of my information with out disclosing any of hers, and I not wanting to disclose more information on something that is clearly a very suspicious attempt of collection on behalf of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank started harassing me in XXXX. First they sent me certified mail multiple times, which alerted my mom of debts and was very humiliating. They were also calling me numerous times a day. To put a stop to it, I sent a cease and desist out, yet the calls continued a short time after. 

I still have a copy of certified mail from XX/XX/XXXX. If they provide my messages and with phone logs, I can prove they called me after the cease and desist. 

Later on XX/XX/XXXX I received a letter threatening suit, from XXXX XXXX XXXX, XXXX. They made a threat that I could be sued for not only the principal amount but legal costs as well. They also said that if I didn't dispute the charge in 30 days, it would be assumed correct, thus trying to take my legal right to debt verification away from me. 

Later on XX/XX/XXXX, they sent me a court summons.

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 2019-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I started my vehicle loan in XX/XX/XXXX with Santander Consumer USA. I endured a hardship with my job in XX/XX/XXXX through XX/XX/XXXX. I received letters in the mail from Santander from XX/XX/XXXX through XX/XX/XXXX about the assistance program offered with my loan. I called and many times I was told the program was unheard of or there wasnt one that existed. I finally was able to reach someone who can set me up with assistance. From XX/XX/XXXX until XX/XX/XXXX I was told I would be on a payment plan and as long as I paid the amounts requested it wouldnt effect my credit. XX/XX/XXXX I received a call saying I was 60 days past due and my car had been picked up and was pending repossion. I was given the option to pay and receive the car back or voluntarily sign it over. After doing so I was told I would receive notice of the sale and balance. The car was sold and the incorrect balance and account status was placed on my credit. I contacted Santander many times and this situation was never rectified. I reported this to the credit bureaus. Santander in turn continued to report the incorrect status and balance on my credit report. Knowing this is unethical and a violation of the FCRA, I would like the account to be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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:
identify theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/2019, I submitted a complaint to my bank JP Morgan Chase due to a charge of {$410.00} from my debit card which was lost and the bank did not cancel in time. On said date I disputed the charge and asked to issue a new card. The venue which the card was charged was a strip club called XXXX XXXX based in XXXX, WA. The bank credited my account for the sum but on XX/XX/2019 withdrew those funds and gave them to the club in which I never have been. I submitted a fraud dispute with the bank at the time and today XX/XX/2019 found out that the bank Chase debited my account to the venue in which the fraud dispute was made. I tried to call the bank twice to discuss and was issued a new debit card as well but the charge stayed. 

In my dispute and complaint is the bank is committing fraud on my account by siding with said merchant in which is a strip club and known for fraud activity on cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ACIMA CREDIT, LLC
State: MD

Complaint narrative:
I need four tires for my car and i called them and they told me the file an application on their website and if approve they will send me to a dealer which they did. I called the dealer on the phone. I told him that i was referred to him by ACIMA. We both talked about the tires and i told him i needed continental tires. he completely discredit this brand and recommended his brand. Couple of days later he text me a photo of four tires in his garage. and i replied back and said denied- i do not want. two days later i called ACIMA and told them that the tire the merchant text were not new and they seems to be laying in his garage for a while. I want them to cancel. They refused. they told me i should talk the merchant to send them a cancellation invoice I told them that he refused and he wanted me to pay him {$100.00} dollars. I do not received the tires and ACIMA keep debiting my account. They took {$53.00} during the initial application and another {$25.00} onXX/XX/XXXX as  a monthly payment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: KEYCORP
State: TX

Complaint narrative:
Keybank allowed an inquiry to go through my transunion credit report that I did not authorize, nor was the consumer statement cleared. I did not authorize any products through their company nor did I authorize any applications to be submitted in my name. The inquiry date is listed below, I am a victim of identity theft. This application is fraudulent, and I want this withdrawn and removed from my consumer credit file XXXX Bureau since I did not authorize this to be submitted to begin with it is fraudulent. 

KEYBANK NA XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: Experian Information Solutions Inc.
State: MT

Complaint narrative:
After 2 hours on the phone I was able to talk to a live person at EXPERIAN ( didn't document the name - short name & I believe it's a name that can be spelled with 3 or 4 letters ). The lady was very rude and unprofessional. I explained to the EXPERIAN representative that I am a victim of identity theft and I observed several hard hit inquiries on my credit report that I don't recall authorizing. The representative was unwell to address the issue and that when I terminated the conversation. The following hard inquiries I am requesting Experian to Investigate. Furthermore, if their investigation reveals that I authorized the hard hit inquiries I will like a copy of the credit application with my signature and date with the name of the individual that Experian spoke to that confirmed the hard hit inquiry was authorized by me. Failure for Experian to comply with my request will result in EXPERIAN KNOWINGLY & WILLINGLY violating my rights granted to me by the Fair Credit Reporting Act & I will file a lawsuit in small claims court and enforce my rights. 

XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX   JXXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2019-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I purchased my home in XX/XX/XXXX, for XXXX, PMI should have come off at 80 % XXXX XXXX. I refinanced with Quicken Loans in XX/XX/XXXX balance of XXXX, no cash out, they did not do an appraisal, original purchase price is what they used when I refinanced, now they will not remove my PMI and the balance is XXXX. They say the original price they base it off of is XXXX, but still the online estimates all say my home is between XXXX and XXXX. How can they illegally change the value of my home so it looks good in their books.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I tried to call Capitol One regarding a security codes sent to me. They would not put me through to anyone. They needed to know my age, which was unrelated to the issue and they would know it anyway. If I am over XXXX, I have to listen to advertising and be put on the spot for their services. If I refuse to answer, they will not allow me to correct fraudulent credit issues. They need to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
RE : Experian Credit Reporting Agency on XX/XX/2019 my Experian Credit Report Score was XXXX. I was excited as my XXXX was now at XXXX and my XXXX at XXXX. I've been working on bringing my credit scores up as I'm interested in buying a home. 

Experian has been promoting this XXXX XXXX product that analyzes your bank account and claims to boost your credit for bills you pay on time. I have several. So, I was excited about the possibility of a boost from XXXX perhaps into the XXXX where my XXXX score is. 

On XXXX, I entered my bank info -- confident about the payments I make regularly and looked forward to the so called " XXXX. '' Well, I was outraged to see within seconds that the " XXXX  '' was an all out " bust! '' With no reason given! My score dropped XXXX pts, instantly! I perused the site for an explanation -- could find nothing. Called their customer service number an automated " beat around the bush '' that takes you absolutely nowhere! I immediately removed the attached " XXXX '' feature from my Experian account as it was a wholehearted nightmare! Thankfully, my other scores have stayed in tact. I have no derogatory information on my Experian credit records that show/explain this sudden drop. This XXXX  so bad. It's horrible that they would do this to customers who are being responsible about their credit. I want this resolved ASAP. It compromises my ability to secure the best rates on loans, etc. 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 explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
Transworld Systems is reporting that I have an unpaid balance of {$1500.00} owed to a company called XXXX XXXX. I have spoken to this collection agency, and explained to them that I have NEVER done business with that company before. In fact, neither I, nor anyone in my family, even plays a musical instrument. When I spoke to their reps, they told me I should contest the account at XXXX, XXXX, and XXXX XXXX if I felt the debt was inaccurate. They said that if it was not mine, it would be deleted. Well, I contested the debt, but Transworld told the credit bureaus that it was legitimate, and it is still on my credit report. I have since requested that Transworld provides some kind of proof that this debt actually belongs to me, but so far, those requests have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Hello, I am having a problem with a credit card obtained from Navy Federal which I am making payments on and against the balance owed. My payment history is not reflecting as it should and thereby keeping my credit scores low, in a time when I need to purchase a home and make transactions which a lower score ( as the types identified with late payments ) will keep me in a higher interest bracket.

I called Navy Federal and they said they would not report my payments until the entire balance is paid off, again this is something that has never happened and which is detrimental to my advancement in the purchases I would like to make and the interest for which I believe I should qualify. 

I opened the account while I was XXXX in XXXX and am a XXXX  veteran. I would like assistance with this matter and would like the payments to show as they should so that potential lenders can see that I am indeed making payments and meeting my obligations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: ID

Complaint narrative:
I have a single delinquent account on my credit report through Equifax that is negatively affecting my credit. This account must be fraudulent as it has been removed and then reappeared a number of times through Equifax along with XXXX and XXXX. Currently the Equifax website reports that the " Online Dispute Feature '' is unavailable, and the account number shows " xxxx '' on the report, so there is no way to select the account through the phone service. The phone service will not let you speak to a human or provide another solution for disputing an account over the phone. It just hangs up on you after a while. Submitting my dispute through the mail is not a viable option for me at this time. For a company with so much financial power they are completely unfit and provide inadequate service for such an important part of modern society.

Company response to consumer: Closed with explanation