vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: NY

Complaint narrative:
- I purchased 1 laptop in XX/XX/XXXX - XX/XX/XXXX the laptop was damaged turned into a repair center : XXXX I had Full replacement insurance - Conns Issued me a replacement Laptop with my full warranty - Conns reported on my Credit that I possessed 2 laptops and charged me for 2 laptops with 2 contracts - since XX/XX/XXXX I have been fighting to get the other laptop that is in possession of conns off my credit report and Conns has refused too - Conns lied and added an additional contract, which I did not agree to to another contract. I have all paperwork and contracts. 
- Both Contracts have the same exact product on each contract with the same unit, and charged me for 2 laptops - To this day, Conns has not settled the matter.

- I was sent collections settlements for 2 laptops that I do not have possession, but conns has the laptops at their repair center, which were never returned to me, but I have a contract -

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: VA

Complaint narrative:
I have current premium checking which I had to upgrade and pay for had the account for awhile and I had some unauthorized charges come up and I filed them filed out there unauthorized charge form and sent it back in an email right away they said theyd be in touch its been over 10 buisness days almost 3 weeks and Ive heard nothing numerous emails Ive sent asking whats going on wheres my provisional credit if there investagating still nothing not a word back and I ask the people at support and there rude about it say they have non of that info disputes only does but I cant reach them so Id like my credits back in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: IN

Complaint narrative:
XXXX XXXX  made an error and changed my address which resulted in an increase in taxes for a lease payment. It took six months for XXXX XXXX  to fix the problem, it was fixed In XX/XX/XXXX. XXXX XXXX ended up owning me a credit back and told me to deduct that amount from what I owed in XX/XX/XXXX, which I did. However, they did not issue the credit in time. And in XX/XX/XXXX, they caused my account to go 30 days past due. I called again in XX/XX/XXXX and they finally put the credit on my account. A late payment showed up on my credit file I tried to dispute it with transaunion to no satisfaction.

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 2020-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I recive my govment benefit to survive this pendamic and i depost cash amount of and all together more than 4000 .. but my bank closed my account without any notice and explanation..

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 2020-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Being able to get a pay day loan from online apps. They keep loosing connection to my bank account randomly when it has been working fine for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Comerica
State: TX

Complaint narrative:
COAMERICA BANK took so much money from me in fees that I walked away and left them and their ridiculous balance. Id say overall they took over {$1000.00} from me. Their way of banking is different than any other bank I have banked with. It is almost set up to penalize you whenever possible. When you deposit money the bank puts that in first than pays your bills. Not COAMERICA. COAMERICA pays your bills than puts your deposit in. Leaving me with 5-10 over draft fees. I went to the manager multiple times about it. He did reverse the fees, apologies were made. However it continued. I had to take my business elsewhere. I was rejected for an online checking account and pulled my XXXX XXXX report. COAMERICA has reported me for account abuse and a balance of their fees of {$930.00}?! This infuriates me. They are the ones who abused my account. My husband is a witness to this. I want this account resolved and removed from my XXXX report. They can not get away with this. I have never had this problem before. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I had a promotional rate savings account with TDBank. 
The rate was to be 2.50 % for 12 months from account opening. 
As I approached the end of the promotion period I began asking when exactly would my promotion period actually end ( what date ) and what would the new, non-promotional rate be. I sent secure messages to TD via the internet portal, called the retail bank offices, and asked the reps on the XXXX number customer service. I got nowhere. AWFUL CUSTOMER SERVICE. 

Finally, I decided after NUMEROUS inquiries, to close the account by transferring most of the remaining balance to another TD account, leaving just a small balance. 

At that point, with just a few cents remaining in the account, I sent secure multiple messages to TD Bank thru the internet portal asking that my ACCOUNT BE CLOSED and to transfer the remaining balance to my checking account. 

I sent this request on the following dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

In two cases I got a non-responsive response from TD ( a canned response ) basically saying nothing. 

In one response from a " XXXX '' on XX/XX/XXXX I was actually told that she could not close my account because it had a balance. So I withdrew the last few cents and repeated my request on XX/XX/XXXX. 

Today I checked my accounts on online and I see that TD Bank assessed me two ( 2 )  {$15.00} service charges on the savings account totaling {$30.00}. 

Now, of course, during all this time, their branches are closed so u can not walk in. 

I called the branch several times, left my name, no one bothered to call me back. 

When you try to call the XXXX number you are put on a long hold to talk to a person. 

Actually, as I type this complain I am on hold now with TD Bank awaiting a live person. 
I've been on hold now for 30 minutes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I had a credit limit of {$1000.00} when I first opened up my Synchrony Bank Ashley furniture credit line. I have made my payments on time over the minimum amount due for a year. I received a notice from my credit reporting agency that my score went down. I looked into it and found out that synchrony decrease my credit limit down to {$590.00}. I was given no prior notice. And they refused to tell me why. This has drastically lowered my credit score.

After reading reviews this is happened to many other people during this Covid-19 pandemic. I have never missed a payment and I always paid more than the minimum amount due so they should not of happened to me. I believe this is unfair business practices.

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 2020-05-30 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: CA

Complaint narrative:
After filing several complaints against TransUnion through the CPFB and the the FTC TransUnion continues to violate the fcra regarding Fair credit reporting due to the fact that they refused to eliminate and then XXXX collection account done by XXXX XXXX XXXX how to recognize as XXXX  as already done that the month of XXXX and any payment being off was already ordered by the president United States to be considered put off due to the pandemic. That mistake just crossed 143 point drop in my credit and severe hardship for my family

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 2020-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
XX/XX/2020 I've tried several times to have my bank account connected to use with a different merchant for financial services and each time I'm unable to access my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
Hello. My social security number is XXXX. Up until XXXX of 2019 my credit score was XXXX. I always pay my bills on time. And pay more than the usual amount needed monthly. I has a XXXX procedure done XX/XX/XXXX and used my XXXX XXXX credit card so that i could get the XXXX airline miles with my procedure as it was XXXX. The next month I received numerous emails telling me my score plumetted to XXXX!!! I called the XXXX XXXX  Company who said its a large purchase and they thought it could be fraud as I dont make large purchases like that. They said not to worry if i pay my bill on time, within 2 months it will bounce back to nearly 800 where it was prior to that day I used it. Its been 7 months, Im being denied a mortgage, Ive applied to 3 Lenders. All 3 consider the score and deny me.I have many credit cards with high available credit lines, that are unused and this unfair act is stopping me from buying the home I want as Im viewed with a low low score. Please, please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: DISCOVER BANK
State: FL

Complaint narrative:
In XX/XX/XXXX I was laid off from work.. As one can expect I fell behind in my payments to creditors. I notified all of them explaining my situation and asked for forbearance. All were willing to work with me except Discover card and XXXX XXXX ( mortgage company ) I was able to return to work in XX/XX/XXXX. However, I was forced to relocate 4 hours away from my home.. So now more than ever my credit became crucial. 
I immediately began to make as many payments as soon as it became possible.. However, Discovercard not only refused to give me forbearance.. They also refused to acknowledge that I made a payment of {$440.00} within the grace period for XX/XX/XXXX which I have documented proof that I did. They deliberately posted my payment as late on XX/XX/XXXX after I made an online payment on the XXXX just to show my account as 90 days late. 
If that isnt bad enough they signed me up for autopay without my consent therefore committing FRAID. So in XX/XX/XXXX when I made a payment of over {$1700.00}. They proceeded to withdraw an additional {$440.00} a few days later ... 
When I confronted Discovercard and accused them of FRAUD and GRAND THEFT. They responded by saying that they would return the {$440.00} plus any overdraft fees that they caused. 
They did in fact return the {$440.00} all but admitting to my complaint to charges of FRAUD and GRAND THEFT. but did not include any overdraft funds.. 
I have since reported this to XXXX  on multiple occasions and they refuse to remove this from my credit report..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-30 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
After filing several complaints against XXXX  through the CPFB and the the FTC XXXX  continues to violate the fcra regarding Fair credit reporting due to the fact that they refused to eliminate and then XXXX collection account done by XXXX XXXX XXXX how to recognize as XXXX  as already done that the month of XXXX and any payment being off was already ordered by the president United States to be considered put off due to the pandemic. That mistake just crossed 143 point drop in my credit and severe hardship for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am not liable with this debt wiith XXXX, I do not have a contract with my signature on it with LVNV Funding LLC. Please remove the account immediately from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: FL

Complaint narrative:
I was in a 6 year relationship with my ex girlfriend, we lived together and her vehicle got totaled infront of our house one night while I was working a 24 hour shift. We immediately got a loan from the XXXX/LOCAL government credit union I banked at. I was the cosigner due to her poor credit and not being able to get the loan herself. Fast forward to her cheating on me and getting XXXX, I was told I was the father but after everything I got a paternity test and found out I was not the father. I then made 3 months worth of payments to make it current. I then asked her to go refinance with her current bf, future husband. She was denied. I tried asking the lending company to allow me to take over the vehicle but my ex wouldn't turn over the vehicle and by law I had no right to it ( I wouldn't risk my career by just going and taking it ). Again nothing happened and she went delinquent ..by 5 months this time before I caught wind. I then tried yet again to get taken off as the cosigner. She was married by this time, and current husband wouldn't cosign. So after all of this, I am still the one getting penalized with her lack of responsibility. The vehicle was in repossession and she was driving it around for 3 months still. I went in and asked again to remove me, or repossess the vehicle and allow me to take it over and bring the payments current. Again I was told that wasn't a option. I then asked when they would get the vehicle, they were trying with no luck. This was due to them having my address as her home address and she hadn't lived there in almost a year at that point. I had no idea where she was staying, but gave her employer address which they also did not have. All this time I was in the process of moving from XXXX  to XXXX. They finally repossessed the vehicle 2 months after i moved, and a year later. I am the one paying for it. My credit is shot due to lenders not allowing me to do anything to prevent this situation. I would like my name removed completely from this repossessed account. Her name has changed, so doubt it effects her as it does me. That is besides the point, I tried on numerous occasions to figure a way to make this work and even gave them the information to repossess the vehicle. There has to be a better way of protecting the cosigner after a fall out with the primary. This is absolutely absurd that I have to air my grievance like this. Do the right thing and fix it please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: FL

Complaint narrative:
I was in a 6 year relationship with my ex girlfriend, we lived together and her vehicle got totaled infront of our house one night while I was working a 24 hour shift. We immediately got a loan from the XXXX XXXX credit union I banked at. I was the cosigner due to her poor credit and not being able to get the loan herself. Fast forward to her cheating on me and getting XXXX I was told I was the father but after everything I got a paternity test and found out I was not the father. I then made 3 months worth of payments to make it current. I then asked her to go refinance with her current bf, future husband. She was denied. I tried asking the lending company to allow me to take over the vehicle but my ex wouldn't turn over the vehicle and by law I had no right to it ( I wouldn't risk my career by just going and taking it ). Again nothing happened and she went delinquent ..by 5 months this time before I caught wind. I then tried yet again to get taken off as the cosigner. She was married by this time, and current husband wouldn't cosign. So after all of this, I am still the one getting penalized with her lack of responsibility. The vehicle was in repossession and she was driving it around for 3 months still. I went in and asked again to remove me, or repossess the vehicle and allow me to take it over and bring the payments current. Again I was told that wasn't a option. I then asked when they would get the vehicle, they were trying with no luck. This was due to them having my address as her home address and she hadn't lived there in almost a year at that point. I had no idea where she was staying, but gave her employer address which they also did not have. All this time I was in the process of moving from XXXX  to XXXX. They finally repossessed the vehicle 2 months after i moved, and a year later. I am the one paying for it. My credit is shot due to lenders not allowing me to do anything to prevent this situation. I would like my name removed completely from this repossessed account. Her name has changed, so doubt it effects her as it does me. That is besides the point, I tried on numerous occasions to figure a way to make this work and even gave them the information to repossess the vehicle. There has to be a better way of protecting the cosigner after a fall out with the primary. This is absolutely absurd that I have to air my grievance like this. Do the right thing and fix it please

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 2020-05-30 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: FL

Complaint narrative:
I was in a 6 year relationship with my ex girlfriend, we lived together and her vehicle got totaled infront of our house one night while I was working a 24 hour shift. We immediately got a loan from the XXXX/LOCAL government credit union I banked at. I was the cosigner due to her poor credit and not being able to get the loan herself. Fast forward to her cheating on me and getting XXXX, I was told I was the father but after everything I got a paternity test and found out I was not the father. I then made 3 months worth of payments to make it current. I then asked her to go refinance with her current bf, future husband. She was denied. I tried asking the lending company to allow me to take over the vehicle but my ex wouldn't turn over the vehicle and by law I had no right to it ( I wouldn't risk my career by just going and taking it ). Again nothing happened and she went delinquent ..by 5 months this time before I caught wind. I then tried yet again to get taken off as the cosigner. She was married by this time, and current husband wouldn't cosign. So after all of this, I am still the one getting penalized with her lack of responsibility. The vehicle was in repossession and she was driving it around for 3 months still. I went in and asked again to remove me, or repossess the vehicle and allow me to take it over and bring the payments current. Again I was told that wasn't a option. I then asked when they would get the vehicle, they were trying with no luck. This was due to them having my address as her home address and she hadn't lived there in almost a year at that point. I had no idea where she was staying, but gave her employer address which they also did not have. All this time I was in the process of moving from XXXX  to XXXX. They finally repossessed the vehicle 2 months after i moved, and a year later. I am the one paying for it. My credit is shot due to lenders not allowing me to do anything to prevent this situation. I would like my name removed completely from this repossessed account. Her name has changed, so doubt it effects her as it does me. That is besides the point, I tried on numerous occasions to figure a way to make this work and even gave them the information to repossess the vehicle. There has to be a better way of protecting the cosigner after a fall out with the primary. This is absolutely absurd that I have to air my grievance like this. Do the right thing and fix it please

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