vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I filed a previous complaint and Synchrony Financial did not resolve it. I made a purchase with a Lowes store card in the amount of {$440.00} and the purchase was cancelled. I never received the merchandise, yet Lowes did not refund the charge, nor did they issue any kind of merchandise credit. 

In the company 's complaint response, they claimed that a merchant gift card in the amount of {$440.00} was issued and attached a document allegedly showing this gift card issued as a return. This is fraudulent : I never received the merchandise so I could not " return '' it. I also never requested nor received the alleged merchant gift card. The document has no evidence that I was the one " returning '' the merchandise, nor does it have any evidence that I received the alleged merchant gift card. Whether Synchrony falsified this document or someone at the Lowes store falsified it, I do not know.

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 2020-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Michael J. Scott, PC
State: AL

Complaint narrative:
On XX/XX/XXXX, I received a debt collection letter from Credit Control , LLC concerning a alleged credit card debt with XXXX XXXX I never had any dealings with this company so on XX/XX/XXXX, I sent a debt validation letter to the company requesting validation of this debt. I never heard back from them. On XX/XX/XXXX I received another debt collection letter from XXXX XXXX XXXX about the same debt, in XX/XX/XXXX, I sent a debt validation letter to them requesting validation of the debt. I didnt hear back from them. On XX/XX/XXXX, I received a debt collection letter from XXXX XXXX XXXX from XXXX XXXX and on XX/XX/XXXX, I sent a debt validation letter requesting validation of the debt. I didnt hear back. On XX/XX/XXXX & XX/XX/XXXX, I disputed the debt to all three credit bureaus and the only thing I heard from XXXX  stating that they received a electronic verification from the company stating the debt is validated, a gentleman stated that they arent required to get a validation if the debt just notify them that a dispute. On XX/XX/XXXX, my neighbor brings me a stack of mail stating it was put in his mailbox by mistake and I had another neighbors mail. One of the letters were from Scott & Associates , PC dated XX/XX/XXXX threatening a lawsuit against me. I generated another debt validation letter requesting validation of the debt and I also received advertisement from local attorneys stating I have a lawsuit in civil court against me by XXXX XXXX, I contacted the Scott & Associates asking about this debt and I just received the letter, she stated they filed suit in XX/XX/XXXX and sent a letter out on XX/XX/XXXX. I advised them that they never gave me an opportunity to respond and they stated they sent a letter back in XXXX which I never received and stated that I should be getting served anyway now. This is a total violation of the Fair Debt Collections Act because I wasnt given due process and if I received a letter I would have responded. As of this date I still havent been served a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX  History in phone ** ANOTHER Harrassing/scam call from XXXX USAA. * ALERT USAA VERIFICATION CODES can be screenshot and sent to criminals phones. I DO NOT KNOW IF THIS IS MY SECURITY BREACHED SCAM CALLS ( XXXX  PHONE BREACHED AGAIN ) OR HARRASSMENT FROM USAA COLLECTION ATTEMPTS ON ID THEFT REPORTED XX/XX/XXXX WHEN IT FIRST OCCURRED. EITHER WAY THIS IS NOT SAFE.!!! I have reported this to FCC. and notified the local police. 
I DO NOT BELIEVE USAA TEXTS ARE SAFE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
These accounts have not been updated since XX/XX/2020. 
1- XXXX XXXX 2- XXXX XXXX XXXX  The balance is incorrect. 

3- XXXX account is being reported to Equifax but not showing on my report. 

I am requesting that the item be removed or updated to reflect the correct the information. 
Enclosed are copies of documentation, supporting my position. Please reinvestigate this matter and delete or correct the disputed items as soon as possible. 

I have exhausted all other options for correcting my credit report, and the CRA still wont fix the error or errors. I am in the process of talking to a consumer law attorney who can me enforce my rights. 

I have the right to sue a CRA that violates my rights under the FCRA, including continuing to report incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I took and auto loan out in XX/XX/XXXX with Santander Consumer USA. My first payment was due XX/XX/XXXX. I made the payment XX/XX/XXXX of the XXXX payment XXXX was applied to principle and XXXX was applied to the interest. On XX/XX/XXXX I made my XX/XX/XXXX payment and XXXX was applied to principle and XXXX applied to interest. On XX/XX/XXXX I made my XXXX payment and XXXX was applied to the principle and XXXX was applied to interest. On XX/XX/XXXX I made my XXXX payment and XXXX was applied to principle and XXXX was applied to interest. On XX/XX/XXXX I made my XXXX payment and XXXX was applied to principle and XXXX was applied to interest. on XX/XX/XXXX I made my XXXX payment and XXXX was applied to principle and XXXX was applied to interest. So when I saw that I called Santander USA and requested that since I have paid my loan so far in advance I asked that the entire payment be applied to the principle, which they said that they would do. Today XX/XX/XXXX I called in once again to see why my payment was not properly credited as promised and I was told that they would not do that. So my first issue is that they are refusing to properly credit a payment paid far in advance of the agreed upon payment schedule. Then they are charging far too much interest on that payment than what should be applied if you accept their claim that every payment made has some type of interest applied to it. Since this payment covers my XX/XX/XXXX payment and it was paid on XX/XX/XXXX why are they able to charge me XXXX dollars less in interest than they did in my first payment due XX/XX/XXXX paid XX/XX/XXXX? the interest charged on that payment was XXXX and the interest charged for my XX/XX/XXXX payment was XXXX when the XX/XX/XXXX payment was made a full 4 months in advance?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Frontline Asset Strategies, LLC
State: KY

Complaint narrative:
This company has continued to call after being told to contact by mail only. They have contacted my spouse who is not on the credit card and shared information with them regarding the amount of money owed and the last 4  of the credit card number. When I called them today to ask about them doing this they became very aggressive and threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The three major credit bureaus are currently reporting incorrect negative information on my tradeline. They are all reporting that an account on my TRADELINES is charged off with multiple late payments. The account is XXXX XXXX. I was notified that the status of my account was charged off when in fact the account has been paid in full and was paid current. This account has not been late and is not charged off. Attached is proof that the account was paid on time and paid off.

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 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There is a late payment showing on my credit report from a credit card company that never occurred, it is from XXXX of 2016. I have attempted to dispute this error with both the credit card company and the credit bureau, experian, and they haven't removed the information from my credit report. Experian wants me to submit additional documentation, I'm not sure how a consumer submits documentation regarding something that DIDN'T happen. Shouldn't the creditor that is furnishing the error have to provide documentation that there was in fact a late payment. I need this error removed from my credit 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 2020-03-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2020 I opened a checking and savings account with Bank of America. As part of the account opening process BofA had to debit my existing external checking account {$100.00} to fund each account. on XX/XX/2020 both {$100.00} transactions left my external checking account. On XX/XX/2020 {$100.00} was credited to my BofA checking account I waited a couple days for the savings account to receive its credit. The {$100.00} never was credited. I called BofA on XX/XX/2020 and was told " Its in our system and we don't know what to do. '' So I called back and was told " we don't have anything for that amount. '' I have received no help. This is not a good welcome for a new customer. 

-XXXX 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 monetary relief
Consumer complaint received 2020-03-13 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: NY

Complaint narrative:
I am requesting that the item be removed or updated to reflect the correct the information. 
Enclosed are copies of documentation, supporting my position. Please reinvestigate this matter and delete or correct the disputed items as soon as possible. 

Your Company has refused to properly investigate these accounts by saying these inquirys are actual fact, when they are NOT. 

The following credit inquiries are related to none of the fore mentioned permissible purposes : The following inquiry needs to be removed immediately : XXXX XXXX/XXXX   Inquiry from : XX/XX/XXXX XXXX XXXX  Inquiry from : XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

I have exhausted all other options for correcting my credit report, and the CRA still wont fix the error or errors. I am in the process of talking to a consumer law attorney who can me enforce my rights. 

I have the right to sue a CRA that violates my rights under the FCRA, including continuing to report incorrect information. 

I am requesting that this item be deleted or adjusted in order adequately reflect my true credit history. 

I have attached all necessary supporting documentation to support my claim. 
I am asking you to reexamine this item and remove it from my credit report. 
I sent also sent this letter via certified mail to ensure this matter is resolved within the required 10-day window.

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 2020-03-13 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: NY

Complaint narrative:
I am requesting that the item be removed or updated to reflect the correct the information. 
Enclosed are copies of documentation, supporting my position. Please reinvestigate this matter and delete or correct the disputed items as soon as possible. 

Your Company has refused to properly investigate these accounts by saying these inquirys are actual fact, when they are NOT. 

The following credit inquiries are related to none of the fore mentioned permissible purposes : The following inquiry needs to be removed immediately : XXXX XXXX/XXXX Inquiry from : XX/XX/XXXX XXXX XXXX Inquiry from : XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

I have exhausted all other options for correcting my credit report, and the CRA still wont fix the error or errors. I am in the process of talking to a consumer law attorney who can me enforce my rights. 

I have the right to sue a CRA that violates my rights under the FCRA, including continuing to report incorrect information. 

I am requesting that this item be deleted or adjusted in order adequately reflect my true credit history. 

I have attached all necessary supporting documentation to support my claim. 
I am asking you to reexamine this item and remove it from my credit report. 
I sent also sent this letter via certified mail to ensure this matter is resolved within the required 10-day window.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The three major credit bureaus are currently reporting incorrect negative information on my tradeline. They are all reporting that an account on my TRADELINES is charged off with multiple late payments. The account is XXXX XXXX. I was notified that the status of my account was charged off when in fact the account has been paid in full and was paid current. This account has not been late and is not charged off. Attached is proof that the account was paid on time and paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Hello, So I have a collection agency XXXX XXXX and Transunion refusing to remove a collection on my record that is not mine. All other reporting agencies have removed this fraudulent collection. Transunion is still illegally trying to collect from me. I live in a state with another with a similar name, XXXX XXXX. I looked further into this and the account looks to be owed in full by a XXXX XXXX. I did not live in this home. I have never received any type of notice that a collection was being placed or needed to be paid. I found out about this by looking at credit karma. I have tried to resolve this with both Transunion and XXXX XXXX. But they refuse to listen or look further into it. This collection is not mine and is the reason I am currently homeless and unable to purchase or rent a home. I can provide a lease to show I was not living in this home at this time.

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 2020-03-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received a copy of my credit report and found the following items to be errors and incorrect.

I did not apply for credit with your company or bank.

The inquiry needs to be removed immediately from my credit report.

Cap One Inquiry from XX/XX/XXXX The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

The following credit inquiries are related to none of the fore mentioned permissible purposes. I did not apply for credit with your company or bank.

The inquiry needs to be removed immediately from my credit report.

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

I have exhausted all other options for correcting my credit report, and the CRA still wont fix the error or errors. I am in the process of talking to a consumer law attorney who can me enforce my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westcreek Financial
State: OH

Complaint narrative:
ON XX/XX/2020, I PAID WESTCREEK FINANCIAL IN FULL TO CLOSE MY ACCOUNT. ON XX/XX/2020, WESTCREEK FINANCIAL REPORTED MY ACCOUNT AS CHARGED OFF TO ALL THREE MAJOR CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I contacted AD ASTRA RECOVERY SERVICES on XX/XX/2020 regarding my outstanding balance with XXXX XXXX and they advised me that they have not had my account in years. They referred me to XXXX XXXX XXXX, Receiver because there was a judgement against me for this and XXXX XXXX was the appointed receiver. I came to a settlement agreement with them and paid the settlement amount. I then disputed the inaccurate reporting and AD ASTRA RECOVERY SERVICES " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. '' I have attached a copy of the release of judgement and also included that in the original dispute. This has caused me extreme mental, physical and emotional anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
ON XX/XX/2020, I PAID XXXX XXXX IN FULL TO CLOSE MY ACCOUNT. ON XX/XX/2020, XXXX XXXX REPORTED MY ACCOUNT AS CHARGED OFF TO ALL THREE MAJOR CREDIT BUREAUS.

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 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
ON XX/XX/2020, I PAID XXXX XXXX IN FULL TO CLOSE MY ACCOUNT. ON XX/XX/2020, XXXX XXXX REPORTED MY ACCOUNT AS CHARGED OFF TO ALL THREE MAJOR CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
ON XX/XX/2020, I PAID XXXX XXXX IN FULL TO CLOSE MY ACCOUNT. ON XX/XX/2020, XXXX XXXX REPORTED MY ACCOUNT AS CHARGED OFF TO ALL THREE MAJOR CREDIT BUREAUS.

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 2020-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
The issue happened at approximately XXXX on XX/XX/2020. I tried to transfer {$12.00} from paypal to my bank account. I have done this many times before without any issues or fees. It somehow defaulted to a fee option which charged me for an immediate transfer which I did not need immediately. They did not make this a concious selection and they need to make it obvious what the fee amount is going to be.

Company response to consumer: Closed with monetary relief