vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Transworld system is reporting this Alleged collection account-XXXX as if its unpaid when it should be deleted because we agreed upon pay for deletion years ago, This is hurting my credit score at a crucial time when the Criteria for getting apprived is now XXXX and  above because of corona virus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Im trying to connect my PNC bank account to two apps. Which one is called XXXX and the other XXXX. Its telling me my bank made changes and cant connect my account to the apps.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
SunTrust is the worst bank i have ever known..im a single mom and on short term XXXX. They closed my checking account after 2 weeks and i had set my direct deposit up. After being out of work for 2 months and waiting and needing my check on XX/XX/XXXX they froze my account and causing me not to have access to my money. Said they will send me a check in 20 days. I have cried to them explaining that money was my only income to pay my bills and buy food for my family on the XXXX. They refuse to release my freeze to get my money. This will cost me everything and put me and my family on 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 explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I did not receive a statement. When I finally did receive one there were late charged. I tried to pay my account on line but it didnt work. I mailed a payment less the late fees and requested the fees be removed and my account to be closed. I paid for all of my merchandise but Synchrony Bank keeps sending statements with additional late fees and interest on top of the late fees. Now they are threatening to debit my bank account without my permission. I receive multiple harassing phone calls daily.

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 2020-08-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have a loan with BANK OF AMERICA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and BANK OF AMERICA with no successful resolution. XXXX is only reporting me late. There was definitely an error on their part.

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 2020-08-01 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: NY

Complaint narrative:
There seems to be inaccurate, unverified accounts on my credit report. I simply requested some proof of verification of these accounts. Not only did I not receive any proof, I was told that I did not submit enough information about my dispute. I was told that I did not state my reason. In my letters, I am specifically stating the reasons why and simply requested to obtain the documentation that the bureaus should have on file. I know that the accounts are inaccurate and unverified. I also did not receive a timely response within 30 days. I never received the documentation that I initially requested. This is also the second letter that I have sent out and it has been 30 days without a response. All documentation you may need to verify my identity is attached to this complaint and I fully authorize these disputes. Please keep in mind investigations are not supposed to take longer than 30 calendar days, not 45, not 60. Please abide by the law. 

-bank statement -official photo of my id -official photo of my social security card Please do not respond back to this saying you can not move forward with my dispute because of lack of information needed to verify my identity. You have everything you need.

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 2020-08-01 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-08-01 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: NY

Complaint narrative:
There seems to be inaccurate, unverified accounts on my credit report. I simply requested some proof of verification of these accounts. Not only did I not receive any proof, I was told that I did not submit enough information about my dispute. I was told that I did not state my reason. In my letters, I am specifically stating the reasons why and simply requested to obtain the documentation that the bureaus should have on file. I know that the accounts are inaccurate and unverified. I also did not receive a timely response within 30 days. I never received the documentation that I initially requested. This is also the second letter that I have sent out and it has been 30 days without a response. All documentation you may need to verify my identity is attached to this complaint and I fully authorize these disputes. Please keep in mind investigations are not supposed to take longer than 30 calendar days, not 45, not 60. Please abide by the law. 

-bank statement -official photo of my id -official photo of my social security card Please do not respond back to this saying you can not move forward with my dispute because of lack of information needed to verify my identity. You have everything you need.

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 2020-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There seems to be inaccurate, unverified accounts on my credit report. I simply requested some proof of verification of these accounts. Not only did I not receive any proof, I was told that I did not submit enough information about my dispute. I was told that I did not state my reason. In my letters, I am specifically stating the reasons why and simply requested to obtain the documentation that the bureaus should have on file. I know that the accounts are inaccurate and unverified. I also did not receive a timely response within 30 days. I

never received the documentation that I initially requested. This is also the second letter that I have sent out and it has been 30 days with out a response. All documentation you ma y need to verify my identity is attached to this complaint and I fully authorize these disputes. Please keep in mind investigations are not supposed to take longer than 30 calendar days, not 45, not 60. Please abide by the law. -bank statement -official photo of my id -official photo of my social security card Please do not respond back to this saying you can not move forward with my dispute because of lack of information needed to verify my identity. You have everything you need.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rodenburg LLP
State: ND

Complaint narrative:
XX/XX/2019 send letter requesting details on what is owed and communication between medical facility that I provided for reason of disputed amount due. Medical facility failed to response to letters/notes or return with email. Firm ( collections ) failed to response in reasonable time. Still do not know if a scam. Medical firm still failing to response to new questions on latest charge. XXXX XXXX  collection procedures violate patient rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: United PanAm Financial Corp.
State: CA

Complaint narrative:
I paid off car but company still showing late for month I paid car off. Its keep affecting me using my credit to buy a house or refinance my new car. I have called company multiple times for they can fix it and it has not been done even now and car was paid in XX/XX/2020 its XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX I ordered 50 XXXX face masks from XXXX to help with this coronavirus pandemic. Shortly after, I received a package from them but it wasn't face masks, it was a box filled with newspaper. I submitted a complaint to the website to no avail, then I went to my credit card company, Discover. Discover investigated my dispute and then went on to side with the medical supply company simply because they sent proof that they shipped a package to me. I know I got a package, but the problem wasn't me not receiving it, it was the fact that I was scammed and I received NEWSPAPER rather than the face masks I ordered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: CA

Complaint narrative:
I paid off car but company still showing late for month I paid car off. Its keep affecting me using my credit to buy a house or refinance my new car. I have called company multiple times for they can fix it and it has not been done even now and car was paid in XX/XX/2020 its XX/XX/2020 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 2020-08-01 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:
Victim of identy theft on student loan in 2013. Followed all FCC rules and got it off XXXX and XXXX, but equifax refuses to remove it. They have it as a charge off only.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC
State: PA

Complaint narrative:
Attention JD BYRIDER, My name is XXXX XXXX And I BROUGHT a XXXX XXXX XXXX and have been making monthly payments direct deposit TO CNAC and I made the Payment for XXXX, XXXX and XXXX and CNAC employee claims that XXXX XXXX XXXX didnt pay CNAC And I have my bank statement as proof I paid my vehicle and told me my car I DRIVE could get repo and this is an internal JD BYRIDER SCAM and my XXXX XXXX XXXX bank statement will prove this for 3 payments of {$430.00} paid for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX from the beginning of this Sale the Saleswomen sold me a Lemon and the SUV had a Bad Computer system and Catalytic Converter and bad brakes with a state inspection sticker. I want this sale non-void and Nullify and invalidate this Criminal Sale of a used car and tricky me to buy the XXXX XXXX XXXX XXXX with full Knowledge of the Vehicles condition and just made this Lemon Sale to me and charging me {$430.00} a month for A worthless SUV. the Vehicle is still with a Malfunction of the SUV computer system and no brakes and now the SUV Transmission is slipping to top off the Lemon Deal and I mainly use my Vehicle Purchased with VA Compensation Funds and use the SUV to go to all My VA appointments  because I am XXXX XXXX XXXX and I explained this situation To the Saleswomen and I have been Ripped off by JD BYRIDER AND CNAC Company and I demand my money back. 

I Remain, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I been a best buy Citi card customer for around five years now. In such time, I am yet to make a single payment late nor used any amount past the account available balance. In any case, a little over a year ago I made use of my best buy Citi card and an interest-free promotional period. The special at the time offered purchases above a certain amount interest-free for a period of one year. To be clear at no point in time was there mention of the promotion being deferred or the interest having to be charged back to the principal at the end of the promotional period. However, that is exactly what best buy Citi card resorted to. Upon termination of the promotional period, interest was charged back to the account, which lead to an increase in balance of over {$460.00}. Subsequently, the balance was reported to all major credit reporting agencies, and the added interest began to accumulate interest of their own. Needless to say, The increase in balance also leads to an increase in minimum payment and of course higher interest accrued monthly. I personally contacted best buy Citi card on the subject via phone and e-mail and every case their position has been to stand by such practice and refuse to honor their promotion and to refund such overcharges to my account.

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 2020-08-01 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: CA

Complaint narrative:
XXXX XXXX XXXX XX/XX/2020 did not approve of this

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 2020-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX using my bank of America credit card I purchased from XXXX XXXX XXXX tickets totalling {$2800.00}. Due to pandemic the game scheduled in XX/XX/XXXX was canceled. For weeks I attempted to reach the company with no success. I submitted a claim with bank of America to recover my funds in XX/XX/XXXX, and was issued a temporary credit. Finally in XXXX XXXX XXXX decided to offer website credits for the amount of my purchase and I have until XXXX to use or lose my credit. During the transaction it was clearly posted on the website if the event was canceled I would be entitled to a full refund. I reached out to bank of America and was told because the merchant offered the credit voucher they would not support my claim. I would like the full amount of my purchase returned to my credit card as well as any interest charged.

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 2020-08-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
In XXXX, 2020, I began the process to refinance my house. My current mortgage is with Wells Fargo home mortgage so I figured I would give them a shot at the refinance. I entered into the process, provided all necessary information and was given an expected closing date of XX/XX/2020. I was informed that my loan processor would be out of town for those dates but it should not be a problem as the case was in the hands of the loan underwriter at this point. XX/XX/2020 Arrives and I could not get in touch with any body that was dealing with my loan. I figured it was a corona fluke and moved on with the process. I finally got in touch with my loan processor XXXX XXXX with Wells Fargo on XX/XX/2020. At this time informed Wells Fargo needed further documentation to prove my finances. The documents they asked for at this point is a minimized list of all of the financial records I had already submitted to the Wells Fargo LoanTracker website. By this point I have already spent around {$1000.00} in preliminary closing costs so I feel trapped like I have to complete the process to recoup my already spent funds. I finally receive another message from XXXX XXXX on XX/XX/2020 at XXXXXXXX XXXX  saying that I am approved there is nothing left to do and new expected closing date is XX/XX/2020. XX/XX/2020 arrives and I once again can not get a single person within wells fargo mortgage department to answer a phone. Not only will they not answer 75 % of the numbers i dialed went straight to voicemail. Then i found out from XXXX XXXX manager Wells Fargo has been calling my office to verify my employment twice a week, every week, for the last 3 months! i feel like this is an enormous invasion of privacy and i have talked to multiple professionals inside this line of work and not a single one of these contacted professionals has ever heard of such treatment during a mortgage refinance. 


I have been made so incredibly mad by Wells Fargo it makes me think they are performing fraudulent practices across the board.

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 2020-08-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have 3 accounts with synchrony Bank, Lumber Liquidators, Brandsmart, and Home Design. My wife had a card with XXXX XXXXXXXX XXXX  through Synchrony.  Within the last 90 days Synchrony Bank completely cancelled my wife 's card that had been paid satisfactory and had a XXXX  balance, and each month between XXXX, XXXX and XXXX, lowered the credit line of each of my 3 accounts with them damaging my credit score in the middle of a refinance process. When I contacted the company although I have never been late with any of their cards, they gave reasons based not having a mortgage attached to my credit report and other information from the report but could not provide specifics. This practice has caused harm to my credit report and my refinance opportunities. It arbitrarily increased my debt to income ratio. I am XXXX XXXX and when speaking with other associates they have expressed the same concerns with the conduct of Synchrony Bank. The lumber Liquidator account I have held since XXXX without default, Brand Smart Since XXXX without default. There continued actions are causing irreparable harm. Their response was " credit can be a snowball effect '' one in which they are causing by increasing my debt to income ratio.

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 2020-08-01 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: CA

Complaint narrative:
I am beyond angry my credit cards have been paid to a XXXX balance for one account an another was paid down to XXXX. I have been for 8 months obtaining documentation for all 3 buearus to prove that they are not reporting current an correct information because i am tring to buy a house. On the first i expected to see those corrections because I am so sick of this i am about to sue. An still no changes I am beyond angry this is so wrong an against the XXXX law.

Company response to consumer: Closed with explanation