vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-29 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: Synovus Bank
State: GA

Complaint narrative:
On XX/XX/2021, I received a letter from Synovus, stating that my personal credit card payment for {$22.00} was returned for No/Unable to locate account. This was probably the third time I had tried making the {$22.00} payment, which was the only thing I owed on the card. I had attempted making my payment at least twice online from my checking account, which I also have with Columbus Bank & Trust/Snynovus to no avail. A received at least one additional letter which stated my other payment attempts online, and one attempt through their customer service ( phone ), were all rejected. I couldnt understand why, considering I had close to {$5000.00} in their bank at the time, the same bank who owns my credit card. The last letter I received stated my account was closed. I once again called the customer service line and read off the routing number and account number straight from my checkbook, to ensure that the payment would go through. Like the first time I called, I was told the payment would post in 3-5 buisness days. I also sent an online message on XXXX XX/XX/2021 explaining the aforementioned and received a reply from XXXX XXXX, from Synovus Customer Care, who referred me to XXXX XXXX, which I contacted, however they told me to contact the bank instead. I felt like I was being bounced around, and was frustrated, considering I obviously had no problem paying the {$22.00}, but for the life of me, I couldnt get anyone to take my money! As my last ditch effort, I once again contacted Synovus on XXXX XX/XX/2021 and explained the aforementioned. I have not heard from anyone, as of today ; XXXX XX/XX/2021. I did however, notice that my credit scores in XXXX, which Ive had above XXXX pts for years, dropped from XXXX to XXXX based on Synovus Cards services input, which I find very unfair. Im asking for the bank/credit card service to please consider my stellar credit history, and my numerous attempts in paying the {$22.00}. I ask that this derogatory entry on my credit report be withdrawn, hence my original credit score of XXXX reinstated. Thank you. XXXX XXXX ( XXXX ) XXXX-XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: MN

Complaint narrative:
I have been trying to remove inquiries i did not do or authorize in my name and have collections removed that are negatively effecting my credit but paid off and closed. I have been disputing to all three credit companies since XXXX and keep getting the same result and nothing fixed

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 2021-08-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Kohls credit card is stating that I made a charge of {$14.00} on XX/XX/XXXX. I did not authorize this transaction. I moved to a new address and never received a bill for this transaction. They have now reported this as 30 day late on my credit bureau, reducing my credit score by XXXX points. When I contacted them to understand why my account was reported in error, they initially told me there was not a problem and no late payment. Now they are stating that I did not pay the {$14.00} charge which was due on XX/XX/XXXX. They initially didnt charge a late fee but since they didnt get a payment on XX/XX/XXXX, they charged a {$15.00} late fee and reported the account 30 days late. They have now placed the transaction in dispute and waived the fee but stated they are unable to reverse the credit reporting. In the midst of this, I moved to a new address in XXXX and thought this account was at XXXX balance. As a result, I have not received a bill for this transaction and didnt know it needed to be disputed until the inaccurate reporting. I would like my credit bureau cleared immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-29 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: PA

Complaint narrative:
I have disputed this account information as inaccurate with you, and you have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I just recieved my credit report and I noticed unauthorized inquiries they shouldn't be on my credit report. I never tried to open up any accounts with these companies.

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 2021-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am filing a complaint against NAVY FCU because they are attempting to collect a debt that I do not owe them. Account Name : NAVY FCU, Account Number : XXXX, XXXX. 
I would like for NAVY FCU to show proof of verification that I owe them {$15000.00} with the account above. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a a letter stating that your investigation was complete.

1. What certified documents were reviewed to conclude your investigation?

2. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA : Please answer the following questions : a. Who did you speak with? 
b. What was the date? 
c. How long was the conversation? 
d. What was their position? 
e. What number did you call? 
f. What is the name of your employee that spoke directly to the creditor? 
g. What is the position of your employee that spoke to the creditor?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. Department of Education, XXXX, and XXXX all show fraudulent loans on my credit profiles that needs to be remove immediately. All Bankruptcy remarks and information are fraudulent and needs to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: NV

Complaint narrative:
Fraud inquiries on Experian report : XXXX XXXX  XXXX XXXX on XX/XX/2021 XXXX  on XX/XX/2021 and XX/XX/2021 XXXX/XXXX  on XX/XX/2021 XXXX XXXX XXXX on XX/XX/2021 XXXX XXXX on XX/XX/2021 and XX/XX/2021 XXXX  on XX/XX/2021 and XX/XX/2021 XXXX XXXX on XX/XX/2021 and XX/XX/2021 XXXX XXXX XXXX on XX/XX/2021 XXXX XXXX XXXX on XX/XX/2021 XXXX XXXX/XXXX XXXX on XX/XX/2021

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 2021-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
The issue with US BANK has been going on for about two years now. I was on a 10 year HUD ownership program for my home, they help me pay my mortgage for the first 10 years of me purchasing my home. It is now XXXX  and the issue with my mortgage has not been resolved, Ive been told that I owe them over {$9000.00} on my mortgage behind payment they say. When I called to discuss the issue they could not talk to me due to a bankruptcy issue, when I try to pay online the account number I have does not let me pay. When I went into my local bank they refused to except my payment due to my bankruptcy. Im no longer in bankruptcy I have close that case. Im having issues with the amount they say owe and theres no way I can pay that due to Covid and I still have not received my tax refund this year. I have made two payments this year surprisingly they were excepted over the phone. When I called to make a payment this month XXXX I was told my address is not in the system. I need help resolving this problem so me and my children can stay in our home.

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 2021-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I just recieved my credit report and I noticed they someone must have been XXXX XXXX XXXX. These derogatory items wasn't meant to come to be on report

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 2021-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Fraud inquiries on Transunion : XXXX XXXX XXXX on XX/XX/2021 XXXX  XXXX  on XX/XX/2021 and XX/XX/2021 XXXX XXXX XXXX on XX/XX/2021 XXXX  XXXX on XX/XX/2021

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 2021-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize these inquiries on my account. Please see that following : XXXX XXXX, Inquiry Date XXXX XXXX  XXXX XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX XXXX  XXXX, Inquiry Date XXXX XXXX  XXXX, Inquiry Date XXXX XXXX XXXX, Inquiry Date XXXX XXXX XXXX, Inquiry Date XXXX These were reported to XXXX, Transunion and XXXX. I have not gotten information back regarding my complaints. These items are still on my credit reports. 

Due to the inaccurate information reported by these companies, my credit has been severely damaged. I am requesting that this information be investigated and the findings corrected and or removed from my file.

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 2021-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've been trying to submit my information to XXXX, XXXX  and Transunion and have not been able to get them to properly update my file according to federal 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 2021-08-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I've been trying to submit my information to XXXX, Equifax and XXXX  and have not been able to get them to properly update my file according to federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: TX

Complaint narrative:
I've been trying to submit my information to Experian, XXXX  and XXXX  and have not been able to get them to properly update my file according to federal 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 non-monetary relief
Consumer complaint received 2021-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: CO

Complaint narrative:
I'm unable to actually view the dates that these transactions were made because they blocked my access to my disputes on my account but it's several Transactions of {$5.00} and {$20.00} amounting to a few XXXX dollars of fraud. I've attempted to dispute this with my bank and as I said they blocked my access to the speech and actually claimed that their fraud prevention team suppoteam spoke with me during one of these transactions and approved them, thus denying my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize these inquiries on my account. Please see that following : XXXX XXXX, Inquiry Date XXXX XXXX  XXXX XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX XXXX  XXXX, Inquiry Date XXXX XXXX  XXXX, Inquiry Date XXXX XXXX XXXX, Inquiry Date XXXX XXXX XXXX, Inquiry Date XXXX These were reported to XXXX, XXXX  and Equifax. I have not gotten information back regarding my complaints. These items are still on my credit reports. 

Due to the inaccurate information reported by these companies, my credit has been severely damaged. I am requesting that this information be investigated and the findings corrected and or removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 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: TX

Complaint narrative:
I did not authorize these inquiries on my account. Please see that following : XXXX XXXX, Inquiry Date XXXX XXXX  XXXX XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX XXXX  XXXX, Inquiry Date XXXX XXXX  XXXX, Inquiry Date XXXX XXXX XXXX, Inquiry Date XXXX XXXX XXXX, Inquiry Date XXXX These were reported to Experian, XXXX  and XXXX. I have not gotten information back regarding my complaints. These items are still on my credit reports. 

Due to the inaccurate information reported by these companies, my credit has been severely damaged. I am requesting that this information be investigated and the findings corrected and or removed from my file.

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 2021-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
In XX/XX/2020 I made an application for a motor vehicle lease through XXXX XXXX  XXXX. The entity servicing the lease is Toyota Motor Credit. I authorized only ONE credit report to be pulled in connection with that application, nevertheless both XXXX XXXX XXXX and Toyota Motor Credit each pulled separate reports, resulting in two hard reports on my credit profile, which significantly lowered by credit score. I never entered into any financial arrangement nor made any application to XXXX XXXX XXXX for credit or a lease. The transaction was with Toyota Motor Credit. 

Since discovering the two hard credit pulls on my credit report I have been attempting since early this year to remove on of them. The credit agencies involved ( XXXX, XXXX and XXXX ) refuse to even acknowledge my complaints, and XXXX XXXX  XXXX and Toyota refuse to withdraw one of the reports. It is improper to pull two hard credit inquiries for the same transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Wallet was stolen with social security card, military ids, state driver 's license at the beginning of XX/XX/2021. I filed a police report with XXXX police department in XXXX SC. I've been receiving credit statements and overdrawn bank account statements that I didn't apply for. 
XXXX XXXX  Bb & t bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
Due to Covid I had to use the mortgage forbearance program, for that I was quite thankful. Then when I finally got back to work I started paying the payments and I was informed that the forbearance amount would be set under a non-interest bearing account. When I asked how to make payments on this account to shrink the amount over time I was informed that this was not an option. So, I contacted XXXX XXXX, who holds the forbearance amount. They said that it was 100 % possible and now I am staring down the barrel of an over XXXX dollar balance that they want all at once. During the lock down I burnt through my savings and simply can not pay that, I think that it is wildly unfair that I am not able to pay this down and it appears that the total amount has been not only inflated ( The amount quoted was at XXXX of which I have documentation ) I need help, I have tried talking to the bank and continue to make my monthly payments. But, this is too much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
In XX/XX/2021, I received a email, and a message from PAYPAL stating my account will be in limitation ( froze ) for 180 days. XX/XX/XXXX was the set date, for my account to be restored. It is now XX/XX/XXXX, and PayPal has not restored my account. I have made attempts, in the past eight months to prove my identity. I have received a letter stating they are permanently limiting my account, meaning I will not be able to transfer, deposit, withdrawal or have any use of my account. I would appreciate any further action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-29 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to en-sure accuracy. My Account currently states Serious Delinquencies on all of my reports. 
This LABEL has seriously hurt my credit rating and I am requesting that is be removed from all bureau reports. 

Here are the items I am asking you to verify as accurate : 1. Through previous correspondences, I have shown that XXXX did not follow suit and remove the file from all three reporting agencies. The file was only removed on Transunion. I am requesting that a follow up be made to make sure this XXXX file is removed from XXXX AND XXXX  ALSO. 

2. Through Previous correspondences, I have shown that XXXX/Dept. of Education has reported inaccurate information regarding my account. XXXX has reported late Payments stating 90 and 120 days when my payment history clearly shows that I was Current the previous month so it was impossible to be 90 days late. I am requesting that this file be deleted due to inaccurate information Due to these inaccuracies, My credit file has been labeled as Serious Delinquencies which is currently damaging my credit worthiness and costing me great harm financially

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