vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I called Best Buy Citi Credit Card to request help due to financial hardship due to COVID 19 lockdown. They agreed to remove the {$29.00} late fee for XXXX and not assess late fees moving forward for XXXX or XXXX. However, they did not remove the XXXX late fee and in addition they DID assess late fees in XXXX for {$40.00} and XXXX for {$40.00}. 
I called and explained the situation to both a representative in the COVID assistance department AND a supervisor and they would not remove the late fees retroactively. They only offered to take off one late payment and begin the " program '' moving forward. I again insisted that this was already in place and that I should not been charged late fees in XXXX and XXXX and I explained to them that I now have unemployment and can budget to begin making minimum payments. 

I am requesting a refund of {$29.00} late fee charged on XX/XX/14, {$40.00} charged on XX/XX/14 and {$40.00} charged on XX/XX/14 for a total of {$100.00} payment credited back to my account. 

Those struggling the most during the pandemic such as those possibly convalescing in a hospital would have not been able to make phone calls to credit card companies to enroll in an assistance program. This is outrageous. That we are in lock down and NY since XXXX is a verifiable fact that is known worldwide! There is no deception here. If they are truly offering help then they should actually assist customers instead of playing dirty games. They are scammers and liars and they are clearly trying to minimize the amount of help they give by refusing to give these credits that they promised. Please help!

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 2020-06-05 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 — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Thank you for understanding and reviewing the second complaint. XX/XX/2020 a complaint was sent regarding late payments on student loans. Made several attempts for the company to comply with using the same account number beginning with XXXX and displaying 36 late payments instead of 6 under one account. According the FCRA guidelines, the company furnishing information incorrectly along with depleting my credit and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I purchased a vehicle new @ XXXX XXXX XXXX, XXXX XX/XX/XXXX. The transmission had to be replaced with mileage less than XXXX in XX/XX/XXXX. This transmission failure left myself and minor child stranded in the middle lane of traffic at one of the busiest intersections in North Texas. ( XXXX XXXX XXXX XXXX ) XXXX repossessed the vehicle less than 30 days after the replacement. Sold it at auction for less than % 20 of its value. My credit report shows I owe more than I originally borrowed. My report also reflects payments being made in XXXX, XXXX, XXXX and XX/XX/XXXX. Also, XXXX, XXXX and XX/XX/XXXX which is XXXX. XXXX is dragging my credit score through the mud and the information they are reporting is INACCURATE and Fraudulent! 

Note : I have paid off 3 XXXX prior to this purchase. My previous XXXX, also purchased new, had to have the transmission replaced TWICE! XXXX makes a XXXX product and expects you to pay for it.

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 2020-06-05 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:
XXXX XXXX has continually and intentionally/willfully violated section 623 of the FCRA and it's specifically amended by statute 602 whereby it is 1, Prohibited to ( A ) report information with actual errors and 2, ( B ) Report information after notice and confirmation of errors when I continuously challenged their reporting of this account in my numerous 611 disputes with the credit reporting agencies and subsequent 623 disputes with them. 
On XX/XX/XXXX, I disputed balance owed as I never received any of the required paperwork such as all notices up to and including the notice of deficiency sent certified mail under the law which entitles them to mark my credit reports, payment history, date of last payment and so forth across all three credit bureaus after being denied various credit opportunities and products. 
On XX/XX/XXXX They denied my 623 request to see all documentation on this account ( only sales contract which is not germane to this subject ) to justify they were not erroneously reporting and continued to report it even though they also had proof that they were violating the FCRA by reporting the inaccurate and negative information differently across all the credit bureaus. Then on XXXX XXXX they sent a follow up letter stating my dispute was frivolous at which point I continued to dispute with the credit bureaus untilXX/XX/XXXX. Under the FCRA, if any piece of information is not accurate and complete after an investigation is brought by a consumer the furnishers of the information must update or delete said information so that it is accurate and complete across all the bureaus it furnishes the information to or it faces numerous violations under the FCRA. 
I continuously asked through the entire dispute process with both the CRA 's and the OC to either update or delete the negative information from my credit reports and was continually thwarted by both all the while keeping me from receiving the great credit products and interest rates I would have enjoyed.

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 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX has continually and intentionally/willfully violated section 623 of the FCRA and it's specifically amended by statute 602 whereby it is 1, Prohibited to ( A ) report information with actual errors and 2, ( B ) Report information after notice and confirmation of errors when I continuously challenged their reporting of this account in my numerous 611 disputes with the credit reporting agencies and subsequent 623 disputes with them. 
On XX/XX/XXXX, I disputed balance owed as I never received any of the required paperwork such as all notices up to and including the notice of deficiency sent certified mail under the law which entitles them to mark my credit reports, payment history, date of last payment and so forth across all three credit bureaus after being denied various credit opportunities and products. 
On XX/XX/XXXX They denied my 623 request to see all documentation on this account ( only sales contract which is not germane to this subject ) to justify they were not erroneously reporting and continued to report it even though they also had proof that they were violating the FCRA by reporting the inaccurate and negative information differently across all the credit bureaus. Then on XXXX XXXX they sent a follow up letter stating my dispute was frivolous at which point I continued to dispute with the credit bureaus untilXX/XX/XXXX. Under the FCRA, if any piece of information is not accurate and complete after an investigation is brought by a consumer the furnishers of the information must update or delete said information so that it is accurate and complete across all the bureaus it furnishes the information to or it faces numerous violations under the FCRA. 
I continuously asked through the entire dispute process with both the CRA 's and the OC to either update or delete the negative information from my credit reports and was continually thwarted by both all the while keeping me from receiving the great credit products and interest rates I would have enjoyed.

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 2020-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I was not aware that this debt was owed. I haven't received any notification and it's sitting on my credit report. It's for {$960.00} dollars

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 2020-06-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Thank you for understanding and reviewing the second complaint. XX/XX/2020 a complaint was sent regarding late payments on student loans. Made several attempts for the company to comply with using the same account number beginning with XXXX and displaying 36 late payments instead of 6 under one account. According the FCRA guidelines, the company furnishing information incorrectly along with depleting my credit and creditworthiness.

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 2020-06-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Thank you for understanding and reviewing the second complaint. XX/XX/2020 a complaint was sent regarding late payments on student loans. Made several attempts for the company to comply with using the same account number beginning with XXXX and displaying 36 late payments instead of 6 under one account. According the FCRA guidelines, the company furnishing information incorrectly along with depleting my credit and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Thank you for understanding and reviewing the second complaint. XX/XX/2020 a complaint was sent regarding late payments on student loans. Made several attempts for the company to comply with using the same account number beginning with XXXX and displaying 36 late payments instead of 6 under one account. According the FCRA guidelines, the company furnishing information incorrectly along with depleting my credit and creditworthiness.

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 2020-06-05 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: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
Hello and hope all is well. Paramount recovery continues to unfamiliar information on the credit reports. Made several attempts to request verification, however ; the company failed to comply to FCRA guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The auto loan that is under my name is the result of fraud. All the current and past credit cards are not mine as well. If they look into my Prison records they can see that I was incarcerated from XXXX XXXX to XXXX XX/XX/XXXX I was released. This misinformation with these bureaus need to stop, I will be suing them in court as soon as all my informal methods are exhausted.

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 2020-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony charged me {$28.00} late fee on XX/XX/XXXX. I paid my full balance only two days later ( XX/XX/XXXX ) and wanted to set up autopay. I've talked to them about auto pay ( which is now set up ), but they refuse to refund the fees. Please refund the fee - we've had all kinds of coronavirus issues, it should be OK to pay 3 days late during these times. 

I've tried talking to Synchrony recently, but XXXX ( the automated assistant ) says : " I want to make sure I am giving you correct information about late fees, please log into your account and I can help you. '' - when I'm already logged into the account, and unable to reach a live person for that reason.

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 2020-06-05 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: IL

Complaint narrative:
" Creditor '' refuses to provide me with the income statement on the accounts receivable and accounts payable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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:
Hello and hope all is well. XXXX XXXX  continues to unfamiliar information on the credit reports. Made several attempts to request verification, however ; the company failed to comply to FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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:
Hello and hope all is well. XXXX XXXX  continues to unfamiliar information on the credit reports. Made several attempts to request verification, however ; the company failed to comply to FCRA guidelines.

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 2020-06-05 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: GA

Complaint narrative:
Transunion has an incorrect claim on my credit report And has deducted XXXX points from my credit score. I never received any treatment or XXXX  at XXXX XXXX XXXX. I am a female and not a male. When I called XXXX XXXX, the collection agency for this account, they claimed it was for a XXXX  XXXX ( XXXX  ) and the patients name is XXXX XXXX XXXX. This is not my name or gender. I have filed a case with the FTC and law enforcement about this charges yesterday because Experian has deducted XXXX points from my credit score also. Please remove this charges from my credit report. I am a good citizen that has always paid all my bills on time. This is so unfair to me and a nightmare. I used to be married to a XXXX XXXX XXXX and had a brother in-law with similar initials. I divorced XXXX over 3 years ago and moved from that address in 2017. Please fix this because its giving me nightmares. XXXX XXXX XXXX is not a variation of my name but the credit reporting agencies have added that name 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 2020-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
When I was first contacted by the collection company I responded within the 30 days to verify the debt I also asked to stop the phone calls that were repeat it every day seven or eight times a day. After they received the notice I did not receive validation to show that they owned the debt. The repeatedly called using different numbers and when I answered they would hang up. Under the fair debt collection practices act what they have done is harassment and this is why I am filing a complaint. Also after sending them a debt validation letter they did not remove anything from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: Fay Servicing, LLC
State: CO

Complaint narrative:
We were mailed a form letter from Fay Servicing that our mortgage was placed in forbearance. My husband called and told the company we never requested this and did not wish to have this program. He was told it was removed from the account. This week I checked our credit scores planning to apply for a refi and our scores dropped XXXX points and Fay servicing says we are in forbearance. They also have not reported our XXXX, XXXX or XXXX mortgage payments showing we owe money that is paid in full. This is very damaging for us and needs to be removed. They can not destroy someones credit with something they never asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: FL

Complaint narrative:
On XX/XX/2020 XXXX I received the following message from XXXX XXXX of TrueAccord, after I unsubscribed from their email : XXXX, do you need more information? We're following up after your recent visit to our website regarding a {$460.00} balance with XXXX. If you were looking into unsubscribing, we'd like to provide you with more information. Please view your account summary. Unsubscribing will not invalidate your debt. If you're ready to resolve this balance, please take a moment to view all your available options. Pay Your Balance This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. I responded via email XX/XX/2020 XXXX, Any information regarding this matter needs to be mailed to the addresses you have on file. No longer contact me via any email address. This matter will not be addressed again and a complaint will be filed with the CFPB. I then followed up with a certified letter XX/XX/2020, Tracking Number : XXXX, received XX/XX/2020 at XXXX XXXX. In this official document I request debt validation, and explicitly stated all communication needs to officially be done in writing. They are only authorized to communicate with me via mail, and attempting to collect a debt via email, circumvents the official process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: I.C. System, Inc.
State: GA

Complaint narrative:
XXXX  has an incorrect claim on my credit report And has deducted XXXX points from my credit score. I never received any treatment or XXXX  at XXXX XXXX XXXX. I am a female and not a male. When I called ic Systems, the collection agency for this account, they claimed it was for a XXXX  XXXX ( XXXX  ) and the patients name is XXXX XXXX XXXX. This is not my name or gender. I have filed a case with the FTC and law enforcement about this charges yesterday because XXXX  has deducted XXXX points from my credit score also. Please remove this charges from my credit report. I am a good citizen that has always paid all my bills on time. This is so unfair to me and a nightmare. I used to be married to a XXXX XXXX XXXX and had a brother in-law with similar initials. I divorced XXXX over 3 years ago and moved from that address in 2017. Please fix this because its giving me nightmares. XXXX XXXX XXXX is not a variation of my name but the credit reporting agencies have added that name 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 2020-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: RFNA, LP
State: AL

Complaint narrative:
Account was paid down to XXXX when I encountered difficulty paying Account was subsequently charged off. Lending institution is still charging interest on a charged off account

Company response to consumer: Closed with monetary relief