vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-03 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I received a bill from Old navy/ Synchrony Bank that was due on XXXX for the amount of ( {$28.00} ) which was my minimum payment Due. Because of COVID-19 and the  lack of work I was behind a few days so I made a payment on XX/XX/XXXX in the amount of ( {$250.00} ) which included a late fee which brought my account to a XXXX balance. After that I had not received any more bills from them which I wasn't expecting because I had paid the whole balance and had not made any more purchases. On XXXX I received an alert on my credit report that I was mark as 30 days late for a balance of ( {$6.00} )!!!!. I called the company to explain why this had happened especially since I had a XXXX balance the rep told me that it was interest. I then asked why did I have a interest on a XXXX balance. I was then put on hold and the rep came back stating that she wasn't sure why exactly why this had happened but that she would remove the ( {$6.00} ) charges which would clear my account. And that i would see if refelted on my account within 24-48 hrs. I then asked to speak with a supervisor or the credit reporting department so that they could also fix the error on my credit report. The rep told me that I would need to contact the credit bureaus for that to be corrected. I then asked why would I need to do that when the error was made on their end and the rep again said that she had cleared the balance but I needed to contact the credit bureaus to remove the 30 days late remark that had recently dropped my score 58 points. I explained to her that I had perfect payment history and had never had a remark like this on my credit and I needed it corrected. The rep was unsure what to do and disconnected the call.

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 2020-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
When i pull up my score and pay the XXXX dollars they are not showing the correct score. they are not updating. and its been months. They also stated if you paid off past due debt you will receive XXXX points if you settled. XXXX points if it was taking off your credit and XXXX points if it were paid off in full. They are lying and that hasn't happened. Its fraud and i am fed up. i paid off all my accounts and my score is sill low. its misleading

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 2020-07-03 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: NJ

Complaint narrative:
When i pull up my score and pay the XXXX dollars they are not showing the correct score. they are not updating. and its been months. They also stated if you paid off past due debt you will receive XXXX points if you settled. XXXX points if it was taking off your credit and XXXX points if it were paid off in full. They are lying and that hasn't happened. Its fraud and i am fed up. i paid off all my accounts and my score is sill low. its misleading

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THE ACCOUNTS WAS NOT AUTHORIZED BY ME.

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 2020-07-03 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: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
Credit Acceptance erroneously reported a late payment on my credit report. This has significantly impacted my life. I am unable to get approved for a mortgage. Credit acceptance has refused to remove off my credit after several disputes and complaints to the creditor and credit bureaus. They customer service I received regarding this matter was very rude and demeaning. I would never recommend this loan company. They falsely report information that affects a customers ability to obtain credit elsewhere. I would like the sirurisriin to be rectified by Credit Acceptance removing the false report of a late payment off my report immediately. I have supporting documentation that states I have paid on time each month. My payments are automatically drafted each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: AL

Complaint narrative:
In your response to CFPB XXXX you expressed some information that are flat out lies. I've documented my evidence as screenshots attached. In screenshot 1 you allege " there is no mention of a Ch XXXX Bankruptcy that will be dismissed in XXXX of this year. '' In screenshot 2 as clear as day you are saying that " Therefore, as permitted under law, it will remain on your file until XXXX " Why are you lying to preserve inaccurate information on my profile? I'm starting to think this is personal. The fact that you simply ignore the evidence presented to you shows a pattern of negligence that is a cause for a lawsuit. I have visual proof that you reported 2 different deletion dates, 2 different chapters of Bankruptcies, and now you're alleging you never even said it when the evidence is in your face? My lawyer, XXXX XXXX suggests that I have a solid case for negligence and willful noncompliance. Also, you keep mentioning XXXX, I've used XXXX  also, it's a database you can just type in a name and get incomplete and inaccurate information. Clearly my point is this information is wrong. Therefore it is your obligation to investigate the original furnisher ( THE COURT ) to get  complete and accurate information. I keep providing proof of my address in a government ID and Bank Statement yet you insist on telling me where I live. Do you realize how crazy that sounds? I am attaching a police report stating I am a victim of identity theft and I need you to block this bankruptcy from credit profile immediately in accordance with FCRA 609 ( e ). You have shown you are unwilling to investigate this issue and have committed numerous violations of my consumer rights. I am attaching my ID, bank statement, a letter from the original account ( Bankruptcy Court ), Your discrepancies in the investigation, and your lies about the discrepancies. Please do not respond with stalling tactics. You must stop violating the law.

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 2020-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX erroneously reported a late payment on my credit report. This has significantly impacted my life. I am unable to get approved for a mortgage. XXXX XXXX has refused to remove off my credit after several disputes and complaints to the creditor and credit bureaus. They customer service I received regarding this matter was very rude and demeaning. I would never recommend this loan company. They falsely report information that affects a customers ability to obtain credit elsewhere. I would like the sirurisriin to be rectified by XXXX XXXX removing the false report of a late payment off my report immediately. I have supporting documentation that states I have paid on time each month. My payments are automatically drafted each month.

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 2020-07-03 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: LA

Complaint narrative:
XXXX XXXX erroneously reported a late payment on my credit report. This has significantly impacted my life. I am unable to get approved for a mortgage. XXXX XXXX has refused to remove off my credit after several disputes and complaints to the creditor and credit bureaus. They customer service I received regarding this matter was very rude and demeaning. I would never recommend this loan company. They falsely report information that affects a customers ability to obtain credit elsewhere. I would like the sirurisriin to be rectified by XXXX XXXX removing the false report of a late payment off my report immediately. I have supporting documentation that states I have paid on time each month. My payments are automatically drafted each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX erroneously reported a late payment on my credit report. This has significantly impacted my life. I am unable to get approved for a mortgage. XXXX XXXX has refused to remove off my credit after several disputes and complaints to the creditor and credit bureaus. They customer service I received regarding this matter was very rude and demeaning. I would never recommend this loan company. They falsely report information that affects a customers ability to obtain credit elsewhere. I would like the sirurisriin to be rectified by XXXX XXXX removing the false report of a late payment off my report immediately. I have supporting documentation that states I have paid on time each month. My payments are automatically drafted each month.

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 2020-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
Source Receivables MNG XX/XX/2019 {$2.00}, XXXX I do not recognize this debt. This account looks like it may have been included in my claims against identity theft. This creditor has been notified and challenged on this. Yet has yet to remove this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
On XX/XX/XXXX I checked into the XXXX XXXX & XXXX in XXXX XXXX for a 3 night stay. A $ XXXX/day hold totaling {$150.00} was held for a deposit which i used my paypal cash card to put the deposit on. I checked out on the XXXX which at that point XXXX released my deposit & gave me the final total minus the {$150.00} hold. On the XXXX of XXXX I went to the front desk & asked if they could give me a copy of the transaction & fax the release on their part 2 paypal cuz that's what PayPal was asking for so the XXXX XXXX did just that with the XXXX letterhead along with the fax confirmation with the cover sheet which I have a copy of as well showing the fax was a success. Was told that once they received the fax that funds would be released within 24-48 hrs which I have yet to see. The fax was sent on the XXXX of XXXX so I contacted them today by way of text per instructed by customer support becuz their phone system was down due to virus so i contacted them about my {$150.00} deposit. They kept telling me that a fax had to be sent by the merchant ( XXXX  XXXX ) on their letterhead which had already been sent stating that they had charged what they charged me for my stay & that the deposit amount needed 2 be released back to me. As I'm trying to explain to them about this issue I kept getting told I was being connected to somebody totally different who would tell me the same exact thing about how the fax needed to be sent by the merchant. I have the confirmation sheet that shows it went thru to them & I want my money back that they owe me. They just keep giving me the runaround. Which I have another {$150.00} deposit that is due back 2 me when I checked out on XX/XX/XXXX from another 3 night stay which I'm sure will be the same way with them acting like they don't have anything from XXXX XXXX. In a 30 min or so conversation i was connected with 5-6 different people over the same issue which i had to keep explaining the same thing. I have all the text messages between me & the 5-6+ people I was transferred to & the fax document from the Hotel if you need those at a later time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
XXXX XXXX ( XXXX ) from XXXX XXXX XXXX XXXX asked me to push XXXX transactions mentioning its just a temporary hold and the transaction will disappear from statement within 3-5 months. 

It never did and that man stole {$1600.00} from my account. Followed up back on cell phone XXXX XXXX XXXX XXXX says the bank can chargeback and claims that their employee have stole consumer information to further steal money from various people. 

I have opened several cases with Citibank to chargeback but no updates when called, no one chats online, no one gives correct information on call, usually they say they escalated but no response, case is closed usually before receiving the required documents supporting my case. 

Citibank is not giving the investigation papers used in investigation.

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 2020-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC is not allowing me to link my account to apply for a covid19 grant

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: Colony Brands, Inc.
State: KY

Complaint narrative:
XXXX XXXX - is not showing an account number plus it has already been paid of and closed i need to know why it is reporting derogatory on my credit report. 

Swiss Colony- is also not showing the correct information as well. it has been paid off and closed for years. Plus it doesn't show any account number on my credit report and is also showing a s a derogatory mark on all 3 credit reports. 


Ginny is another company on the same path as the other 2. It has affected my credit in a negative way and I would like all 3 removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
On XX/XX/2020 ; I sent a letter certified to the collection agency informing them that I was requesting Validation and Proof id Claim for an account that was being reported on my credit reports. I received the certified card back on XX/XX/2020 with a signature that my letter had been received. On XX/XX/2020 ; I received my XXXX  credit report and the account had been deleted yet it still remains on my XXXX  and XXXX   credit reports. I am again requesting this collection agency send documentation to have this account deleted from my XXXX  and XXXX  credit reports ASAP and also provide me with the documentation that this has been done.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
Lockhart, Morris & Montgomery appeared on my XXXX  and XXXX credit report XXXX or XX/XX/XXXX. I disputed with the bureaus immediately and days later, the response from the agencies " debt valid. '' I then submitted to the XXXX  and asked them to contact my phone and this was refused. Too many unanswered questions with this I requested validation XX/XX/XXXX and confirmation of delivery XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: MO

Complaint narrative:
I have contacted this company multiple times, and sent in my ID Theft Affidavits as requested, but they still refuse to investigate and remove this item from my credit report. This is disgraceful as it has been on my report for a few years now even though I never ordered anything from them. I have a notation on my credit report from 2017 showing that I was a victim of ID theft and this needs to be removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: Colony Brands, Inc.
State: KY

Complaint narrative:
XXXX XXXX - is not showing an account number plus it has already been paid of and closed i need to know why it is reporting derogatory on my credit report. 

Swiss Colony- is also not showing the correct information as well. it has been paid off and closed for years. Plus it doesn't show any account number on my credit report and is also showing a s a derogatory mark on all 3 credit reports.

Ginny is another company on the same path as the other 2. It has affected my credit in a negative way and I would like all 3 removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
In XX/XX/2019, I applied for a Capital One Quicksilver. The website ran an advertisement that " earn a one-time {$150.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening '' ( See https : //www.capitalone.com/credit-cards/quicksilver/ ) To get the bonus I purchased something that I do not need that time only to get bonus. I am an international student in the United States and this is not easy for me. 

However, I did not receive any bonus. When I phoned them, the customer service agent told me that I do not quality for this. When I asked why I do not qualify, they told me that we can not give any explanation but you do not qualify. 

Also, the advertisement told me that I will get 0 % Introduction APR for the first 12 months on purchase but they have been charging me interest for the last few months. When I asked the customer care agent and they told me that I do not qualify for this promotion and they did not give any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I learned that my information was sent to a collection agency from COMENITYCB/XXXX while I was out on military leave. 
I have been trying to get a hold of " XXXX XXXX XXXX  '' to request them to send me verifiable information to prove that this account belongs to me. I have called ComenityCB/XXXX  and they told me that the account was sent to two different agencies : " XXXX XXXX '' & " XXXX XXXX '' they have different phone numbers. These two collection companies are constantly harassing my family members and friends. I need to have these collection companies to answer my request as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: World Acceptance Corporation
State: KY

Complaint narrative:
World finance is not showing the account number. therefore it is incorrect information and under the Fair Credit Reporting Act I need these removed from all of my credit reports.

Company response to consumer: Closed with explanation