vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-13 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have FAILED TO PAY a debt from SYNCB/TJX COS. 
1 ) I made a purchase and the credit card bill was sent to wrong address.

2 ) due to wrong address, bill wasnt paid 3 ) showed up on my report : I called to pay the debt off after learning it was sent to the wrong address **** 4 ) I paid IN FULL the amount owed and was told it would reflect in 10-45 day back in XX/XX/XXXX ***** 5 ) I CAL EVERY SINGLE  MONTH for over a year and talk to the SAME representative who tells me okay we left a note and it will be updates sorry for the inconvenience **** 6 ) today I called and refused to settle for a verbal and talked with a supervisor which HE told me there is NO DEBT OWED - and it had been reported and sent to be updated. 

***** 7 ) TO THIS DAY XX/XX/XXXX IT HAS STILL NOT BEEN FIXED and has on my report showing balance due : {$110.00} and failure to pay and has not been changed and is affecting me to this day! 

The supervisor stated theres {$0.00} balance, stated its been updated, stated that to call again in 10 days. 


This has been a issue over a year, killed my credit score, and is affecting my ability for loans and other things that require good credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
These are the payment remarks that is very inaccurate. 
For XXXX, right after late 90 days its late 150 days and also it is not similar to the remarks of the other credit bureaus. Though I don't believe that I was ever late on this account. I am asking the for documents to prove it. 

XXXX 90 60 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX  150 90 60 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX  OK 90 60 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have been a victim of identity theft. I have filed police reports in GA with my local department regarding these occurrences. I have been able to remove most of the damage done to my credit report but third party companies, such as XXXX and XXXX XXXX XXXX  have a Bank of America checking account closed listed in my name and ssn which was closed around XX/XX/2017 due to an unpaid amount of {$2400.00}. I never opened an account there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: IN

Complaint narrative:
I DISPUTE THIS. 

On XX/XX/XXXX I received correspondence from you, ERC, regarding my paid off account with XXXX XXXX. This account was paid in full on XX/XX/XXXX. XXXX  XXXX XXXX acquired the account in XXXX and authorized a payoff of {$290.00} divided into two payments ; {$140.00} paid on XX/XX/XXXX and {$140.00} paid on XX/XX/XXXX. A satisfied in full letter was sent to me, which I will attach for your records. 

How dare you contact me regarding this account. You are now harassing me for a debt that I do not owe. I am disappointed that you have failed to maintain reasonable procedures to comply with the law. I will state here some of the obvious violations : 15 U.S.C. 1692e ( 5 ) concerns how I construe your collection efforts as FALSE THREATS TO TAKE ACTION THAT CAN NOT LEGALLY BE TAKEN. Also, 15 U.S.C. 1692e ( 10 ) concerns your use of FALSE AND DECEPTIVE MEANS to collect this alleged debt. 

Based on these facts and evidence that I have in hand, should you continue to do any of the following I shall be forced to pursue litigation against your firm in a County Court local to me and will seek {$5000.00} for each infraction of the FDCPA : Continue to contact me and attempt collection Report any portion of this alleged account to my consumer credit files Make reference to or report this alleged account to anyone for any reason without my written permission

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Calvary Portfolio Services is attempting to collect on an alleged debt for XXXX. The problem is they have made countless legal threats, which is a violation of the fair debt collections practices act 1692 e ( 5 ) Threaten to take any action that can not legally be taken or that is not intended to be taken. I want this harassment to stop. I am requesting they also respond to my attached letter. I believe they have also been recording my telephone calls without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Social Finance, Inc.
State: NC

Complaint narrative:
XX/XX/XXXX I called SOFI customer service XXXX to find out the balance owed on my account. I was informed that my account was being handled by XXXX  XXXX. I asked why and was told that they were servicing my account now. I called XXXX and was informed that XXXX was a collection agency and that my account was charged off, I was shocked and asked what address and phone number was used to call to collect the balance.. The agent indicated that he did not have an address or phone number. I told the agent that I did not understand how they are to collect if they have not sent out a request for collection by mail or by phone. I called back SOFI loans XXXX to find out how and why my account was sent to collections as I was understanding that payments had been made. The agent with SOFi indicated they would never mail out any information to my home address to notify of late payment but would only email or call. They had the wrong phone number and could not get in touch with me by phone and sent emails. I told the agent that I never received a call on my cell phone which has not changed in years. I told the SOFI agent that I needed to check with my bank to confirm that payment should have been made automatically from my account to them and would call them back. I called my credit union XXXX was told no payments have been made since XXXX XXXX XX/XX/XXXX I called SOFI, spoke with XXXX -customer service agent.. I informed her that they payments were not drafted nor were transferred from my accunt to SOFI. and that there was a break down of communication. XXXX said they SOFI only sent out emails. and tried to call but had the wrong number I told the XXXX in customer serice that I had not changed my mobile number in years ( 10 ) and why would they not mail a letter to inform of late payment or account status and why they do not have the correct number as on my oriiginal application for the loan. XXXX said that that's just how they do business by email and calls were made XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I told her that I do not check my emails regularly but only if notified that some one I planning on sending me an email would I check my email. XXXX said that emails were sent but she could not tell me dates of emiails sent out regarding my account status. XXXX XXXX XXXX XXXX manager said that I would have to contact XXXX XXXX because he could not provide further information. I was concerned that my credit was ruined because I have no other late payments with any one, only SOFI.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: CA

Complaint narrative:
XXXX  ( aka XXXX ) purchased my mortgage from XXXX in XX/XX/2019. In XX/XX/2019 and upon learning of the sale of the mortgage to XXXX, my XXXX, XXXX XXXX, set up an auto payment over the telephone with XXXX. ( The exact nature of the relationship of these two entities is unknown. However, XXXX purchased the loan, but does not accept calls from borrowers. XXXX customer service accepts the calls and the payments. It is very confusing. ) On XX/XX/XXXX, we learned from the credit reporting agencies that the auto payments were not set up by XXXX and the XXXX and XXXX payments had not been made. We received no notifications from XXXX/XXXX that the payments were due and unpaid. 

Payment for XXXX, XXXX and XXXX was made on XX/XX/XXXX. An auto payment was successfully set up over the phone with XXXX. 

XXXX has reported that the XXXX mortgage payment was 60 days past due. While I dispute any past due because the auto payment was established and sufficient funds were in the account, the XXXX payment was paid XX/XX/XXXX accounting to XXXX and was not past due even by XXXX records. 

I sent this information to the 3 credit reporting agencies. Experian has already responded that XXXX " verified '' the information in the report. However, this is impossible. I sent the payment history from XXXX showing the receipt of the XXXX payment on XX/XX/XXXX only 35 days after XX/XX/XXXX, a far cry from 60 days. 

XXXX 's " verification of the information and Experian 's decision to continue to report the XXXX payment as 60 days late is a willful misrepresentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Dispute XXXX  XXXX for {$750.00} on XXXX XXXX because the account was paid off and they just opened a new collection. Also I am being charged twice for medical bills

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I had a credit card account with Bank of America ending in XXXX. In XX/XX/2019 I made a purchase from XXXX using this account. I returned the item to the seller and they promised to refund the total amount owed. I later learned that they did not refund the entire balance leaving an amount of {$4.00}. I did not discover this immediately since Bank of America enrolled me in paperless statements which I did not authorize. When I found out about the balance I contacted Bank of America to dispute it by that time the interest brought the account total to {$15.00}. They sent me a letter stating that they found the dispute in my favor but they failed to credit me for all of the interest charges accruing despite promising to do so in the letter ( copy attached ). They also erroneously reported my account as late to all credit bureaus for the months of XXXX 2019 and subsequently as a charge off. If this dispute was found in my favor then all of this is in fact erroneous. They have updated the balance to XXXX   with all of the credit bureaus but have not removed the late payments. I made many calls to Bank of America to ask them to fix this to no avail. I will note that I have always paid this account on time and I am asking for these errors to be removed. This account should show no late payments for any month and it should be reported as closed by consumer. I am asking that XXXX, XXXX XXXX and XXXX  files all be updated. I have disputed this will all of them and included the documents I attached to this complaint proving that this was all in error and yet they continue to report those erroneous late payments. You will also see where I contacted XXXX and they apologized for their error and delay in refunding the {$4.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase loan number XXXX I received a letter from Chase XX/XX/XXXX. the letter was dated XX/XX/XXXX the letter said dear XXXX we are transferring your mortgage loan from GP Morgan Chase Bank to XXXX XXXX XXXX and your loan number is XXXX Page 2 of the letter signed by XXXX XXXX executive director clearly states the last day Chase will accept your mortgage payment is XX/XX/XXXX XXXX. 
Basically Chase release them self from my loan and there were no longer legally allowed to report anything on my credit report and they are not affiliated with XXXX XXXX XXXX. 
while I still have a dispute regarding my incorrect monthly payment with Chase the investigation is still pending with Consumer Protection Bureau Chase went ahead and illegally not being my servicer XX/XX/XXXX reported my loan as delinquent XX/XX/XXXX. Chase was not legally allowed to report me Late my mortgage payment XX/XX/XXXX I was not their customer any longer. because of Chase negligence and careless Loan Servicing my credit is damaged and I am not able to finance my leased car my credit score dropped over 300 points. 

All my credit issues are the result negligence Chase servicer. since XXXX never had one day late paying my mortgage payment. my FICO score was XXXX I am presenting you with a copy of my FICO score from XXXX Due to all the problems I had with Chase Mortgage three of my accounts were closed by creditors because of the low score and 90-day mortgage late on my credit report.

my FICO score on XX/XX/XXXX XXXX only. 

I am also providing you with one page Chase reporting my mortgage late and XX/XX/XXXX as a part of this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Navient is calling my relatives and even my landlady and asking them to have me call them. I am applying for Income Driven Repayment plan and my only income is my Social Security retirement benefit monthly check. I am corresponding with them by email, which my " Navient email representative '' acknowledged was permitted in a email to me. However Navient insists I call them. I can not hear well on the phone, do not have a phone anymore, and live in a camper trailer in the XXXX mountains where there is little cell reception. I discontinued my cell plan a month ago. 
My landlady reported getting 2 calls a day over the past 3 days and my son is getting calls. My son asked them to stop calling him, but 2 days later he got another call. They are even calling my x-wife who has told them not to call her. 
I think this is simply a control issue with them. I am following their guidelines for applying for the Income Driven Repayment plan and I do get communications on my account portal about the status of this application, so that part is working. However they are harassing my family and anyone that might communicate with me. 
There must be a way to stop this abuse. I am contemplating paying a attorney the money I would pay them, just to have this abuse stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: Early Warning Services, LLC
State: GA

Complaint narrative:
I have been a victim of identity theft. I have filed police reports in GA with my local department regarding these occurrences. I have been able to remove most of the damage done to my credit report but third party companies, such as XXXX  and Early Warning Services have a XXXX  XXXX XXXX checking account closed listed in my name and ssn which was closed around XX/XX/2017 due to an unpaid amount of {$2400.00}. I never opened an account there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I have been a victim of identity theft. I have filed police reports in GA with my local department regarding these occurrences. I have been able to remove most of the damage done to my credit report but third party companies, such as ChexSystems and XXXX XXXX XXXX  have a XXXX XXXX XXXX checking account closed listed in my name and ssn which was closed around XX/XX/2017 due to an unpaid amount of {$2400.00}. I never opened an account there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I overpaid my credit card bill back in XXXX and they owe me about {$5200.00}. I called the bank and they even confirmed that they owe me the money, but told me it's the credit card company that has to fix it. So called them and they told me the bank is supposed to be the ones to give me my money. I even heard it'll fix itself in a month, this has been going on for 3 months now and I don't have it. No letter in the mail or anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
SYNCB/JCPENNEY had agreed to remove this entire credit off my credit report as long as I paid them In full which I have. The reason for this was due to the remarks as to why the account was closed which was a total misunderstanding on there part which is why they agreed to remove the entire thing all together. 

The card is saying opened XX/XX/XXXX and closed XX/XX/XXXX SYNCB/OLDNAVYDC I also have the same problem with as I have spoken to this bank about this and they said same thing they would remove entire file from credit report as long as I paid what I owed them as I have done. 

This card is saying opened XX/XX/XXXX and closed XXXX XXXX, XXXX. 

I am unsure as to why this bank closes people 's accounts when they have good credit scores. I just want them to honor what they said. We had spoken about this a few times myself and there customer service and supervisors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: LA

Complaint narrative:
I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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