vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-15 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: NC

Complaint narrative:
I have a Belk Credit Card. My complaint is as follows. 

Aproxamitely 6 months ago I recieved a new Belk Credit Card and the old one was canceled without my knowledge or consent. 

The new credit card kept giving me issues, and even though I'd call and activate the card it would still read as not activated. 

When I tried to use the card, I was locked out of the card and had to do verification with a picture to Synchrony. 

Then I was automatically disenrolled from paper billing to paperless billing. When I did not recieve a bill in the mail I became late on a payment. I immediately called, made a payment and reported the issue to an associate. 

The associate stated that they fixed the problem however I was still not recieving mail. This occurred 3 months ago. 

Without any letters in the mail, email or as much as a phone call. I get a hit on my credit report saying my account is passed due. I call them to find out I am past due 30 days on a {$4.00} payment. I immediately make a {$50.00} payment and when I inquire as to why I was never notified they stated I was still paperless in billing. They said that they would investigate. 

I login to check my account and find out that my credit card is still not activated online or that it's been deactivated. Also I find out that they changed my credit limit to the amount that was due on my card, making it appear as if my card is maxed out on my credit report. They cut the card by half on the credit limit. 

This was very upsetting. I believe that due to being on the service member civil relief act, that this is being maliciously done to me by Belk Credit Services. They have never notified me, emailed me, or as much as given me a phone call. 

I would like to remove this from my credit report and will be closing this account and paying whatever I owe them in full at the end of the month. I have had this line of credit with them for years, this only occurred after I requested my benefits for the 0 % interest rate. I will be taking this up with JAG as well to see if I can pursue any legal action if an investigation actually gets conducted by them. 

Everytime I call to inquire, somehow it's my fault they never reached out to me. I have multiple accounts with many other companies this is the only one I've ever had problems with. Also to add today I called them again and they say they just sent me a letter stating my credit limit was getting cut in half even though they already have cut it and this is being done after the fact. I believe it's to cover up a mistake that was made on their end.

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 2019-12-15 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: TX

Complaint narrative:
Received new credit card with first statement balance due XX/XX/XXXX. Set up bill pay on XX/XX/XXXX. Noticed on XX/XX/XXXX that payment did not happen and submitted manual payment for full statement balance. Received a {$25.00} late payment fee plus {$73.00} in interest fees. Have never made a late payment, always pay statement balances in full, gold preferred member, and have {$75000.00} in cash in my BoA account. Called in and neither CSR or supervisor would waive interest even though bill pay should have made the payment in full and that I have never had a late payment or interest charges on an account with BoA.

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 2019-12-15 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: Atlanticus Services Corporation
State: IL

Complaint narrative:
Fortiva Was informed that this account was used or opened by me and this account is fraud. They informed me of the transactions placed on the account and I filled out an affidavit and sent it back to them declining and denying the charges and account. I was told by the Fortiva Fraud Dept. the account was closed with a XXXX balance and would be removed from my credit report by Fortiva Customer Service department. The account is closed but still being reported as delinquent. According Fortiva the balances and annual fees were going to be removed and the account would be fully closed and removed from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
Zales had agreed to close account and yet continues to sell the closed account to other collection agency, persists in reporting old debts with updated activity dates, and persist in threatening me with garnishment, and continues the illegal practice of Re-aging a settled debt.account has been closed since XX/XX/2016 and continues to reage this settled debt as updated and present.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am an Equifax Premier Customer and I have been unable to update my credit score or receive my credit report for over 4 months, because Equifax has blocked my file due to too many soft credit pulls ( inquiries ). Equifax premier service allows you to pull your credit report daily but these fail pulls have resulted in me receiving an error message whenever I try to update my report. And because of this block my mortgage lender was unable to pull my credit file and I can not receive financing on my new home. I need Equifax to ARCHIVE ALL of the soft inquiries on my credit, and FULLY REMOVE the block preventing me from receiving my report. I have tried to get my report on the Equifax Premier Page that I pay for every month, through the MyEquifax Page and through my XXXX, but because of the block, I have absolutely no way of access my file. I also would like a refund for the 4 months I have been paying for the service and constantly calling to have this problem fixed, but the no one could help me. I have attached a photo of the error message that I receive when I click the button on my member dashboard to update my score or credit report. And what my page looks like on MyEquifax.com

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 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: Convergent Resources, Inc.
State: ME

Complaint narrative:
Received a letter about a bill owed to XXXX. I am currently going through a medical hardship, due to XXXX treatments.

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 2019-12-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have had a Bank of America Credit card for over 17 years. I have perfect credit and have never once missed a payment. I have always opted for paper statements and have been receiving paper statements without problems for years. Without my permission or knowledge, Bank of America switched my statements to e-mail statements without notifying me and used an out of date e-mail address that was on file from over 14 years ago ( not current nor viable ). For two-three months, no statements were received. I was not contacted via phone. Bank of America sent information to a credit agency stating I missed a payment, who eventually contacted me via snail. As soon as I was properly notified, I immediately made a payment and then paid off the balance in full. There is currently a credit due to me on my account due to over payment. Bank of America then decreased my credit line by 90 % and provided misleading information to the credit bureaus, which resulted in a drop of my credit score ( which was in the mid-800 's ). I've contacted Bank of America multiple times to file complaints and initiate investigations as to what went wrong. They admitted that they wrongly changed the bill delivery to e-mail, discovered the disconnect and re-issued the old paper statements that were not received. I requested that their mistake be remedied so that my credit score is not negatively impacted. They just notified me via mail that my request has been denied ( for no reason-it was their fault!!! ). My request is that my credit score, which was flawless until this company engaged in wrongful acts not authorized by me, be rightfully restored.

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 2019-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I went to XXXX XXXX XXXX car dealership Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX XX/XX/2019 with a guarantee of an approval a XXXX  XXXX XXXX. I asked them if I could bring my credit report and let the banks run my credit. They agreed. I told them I needed to stay under a price range of {$20000.00}. The pressured me into test driving a XXXX XXXX. I did asked the price they said under {$20000.00}. when it came to paper work to see if I could get the finance. The price changed from XXXX to XXXX and the sticker price was not on the car I test drove. I was told there was a rebate but was not shown the rebate price but eventually when they wrote out the figures they stated my car cost would be XXXX. I was also told I didn't need a down payment and could use rebate as the down payment. They ran my credit said they had good news and said the bank tried to call my phone number in order to get approved. It confused me and i said how is that good news? Then they pressured me if i could get a co signer and confused me more. I bought my first XXXX from them no problem whatsoever and my crdit score was much lower than it was. Not sure what is going on now I have all these inquiries on my credit and it lowered my score. They lied from the very beginning..Wasted my time and made me late for work

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
My car lease agreement ended with GM Financial and returned vehicle on perfect conditions to the dealer on XX/XX/XXXX, a few months later I got this letter saying that I own them {$1200.00} on fees, taxes and repairs. I purchased on XX/XX/XXXX a excess wear and tear addendum with my lease agreement for {$7500.00}, I wrote them back to get detailed information on what exactly they did to the car if I had the addendum protection and I havent heard from them, this situation affected me by 151 point on my credit score already. Also I summited a dispute with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax or XXXX XXXX XXXX XXXX keeps changing the Date report to reflect XX/XX/XXXX, they did it in XX/XX/XXXX and now in XX/XX/XXXX. I close the account in XX/XX/XXXXand and it shows XX/XX/XXXX and one paperwork shows XX/XX/XXXX. 

I have asked XXXX if they will review it and they stated that they see what I am talking about and give them 72 hours. I told them that I will monitor it and if it keeps doing it, I will file a complaint. 

Well I am now filing a complaint, would you please help me get this correct to reflect the current last reporting. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 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: FL

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2019-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Previously, I had filed a complaint In reference to the university, and navient /sallie Mae . 
I still have not received any documentation showing, where I had needed, requested and signed for any loans. 
I originally stated that I did not need any loans, I did not request any loans, and I did not sign for any loans. 
I did not sign any promissory letters. 
It is amazing how all these organizations are avoiding that topic. They also fail to provide any contracts with signatures, that they say they have. I would really love to see them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX Was informed that this account was used or opened by me and this account is fraud. They informed me of the transactions placed on the account and I filled out an affidavit and sent it back to them declining and denying the charges and account. I was told by the XXXX XXXX XXXX. the account was closed with a XXXX balance and would be removed from my credit report by XXXX Customer Service department. The account is closed but still being reported as delinquent. According XXXX the balances and annual fees were going to be removed and the account would be fully closed and removed from my credit reports.

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 2019-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
On XX/XX/2019 I signed up for XXXX XXXX with billing through PayPal. I received an invoice that said that {$17.00} would be billed monthly for the service. Since then, XXXX has overcharged me every month {$19.00} via PayPal 's billing platform. XXXX refused to help in this matter as did PayPal even though I reached out multiple times to both XXXX and PayPal 's customer support. Only after submitting a complaint through CFPB on XX/XX/2019 did PayPal take corrective action. 

Since then, on a monthly basis, XXXX continues to overbill me through PayPal monthly, PayPal processes the wrong amount for the transaction, and I can recover the difference only by filing a complaint through PayPal 's dispute center. As directed in XXXX XXXX  ( PayPal Executive Escalation ) response to my initial CFPB complaint, I reached out to their corporate team via email on XX/XX/XXXX, but received no response. 

On XX/XX/XXXX, XXXX again charged me {$19.00} via PayPal 's billing platform, and PayPal processed this transaction. I disputed this on XX/XX/XXXX, attaching the invoice from XXXX for {$17.00}. On XX/XX/XXXX, PayPal decided in favor of the seller. I appealed this on XX/XX/XXXX, and PayPal denied my appeal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-15 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: CA

Complaint narrative:
while checking my most recent credit report i found items and inquiries and collections that do not belong to me please validate and remove from my report..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-15 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: IN

Complaint narrative:
On or about XX/XX/2019, I had leased [ a recliner and a tv stand ]. On or about XX/XX/2019, I contacted XXXX XXXX to legally cancelled the lease. I was told the account would be closed and a recovery team would be sent to pick up the merchandise. On XX/XX/XXXX, the recovery team did pick up [ a recliner and tv stand ]. Without regard to, On or about XX/XX/2019 is when i had noticed that XXXX XXXX, a leasing company, sent to all three credit bureau that I was 30 days behind in payments. I then filed a dispute with XXXX  all the same, to include XXXX  and Equifax via United States Mail that XXXX was filing fraudulent claims of being behind with payment, nonetheless, I was told the filing was accurate and that it would remain on my credit history. Then On or about XX/XX/2019 I made several attempts to file a separate dispute that XXXX XXXX is filing fraudulent claims. XXXX XXXX filed another claim XX/XX/2019 now I am 120 days behind. XXXX, XXXX  and Equifax continue allowing XXXX XXXX a leasing company, to file account is now 120 days past due. The next step is to file a lawsuit against all three credit bureaus for negligence if you unable to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15 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: IN

Complaint narrative:
On or about XX/XX/2019, I had leased [ a recliner and a tv stand ]. On or about XX/XX/2019, I contacted XXXX XXXX to legally cancelled the lease. I was told the account would be closed and a recovery team would be sent to pick up the merchandise. On XX/XX/XXXX, the recovery team did pick up [ a recliner and tv stand ]. Without regard to, On or about XX/XX/2019 is when i had noticed that XXXX XXXX, a leasing company, sent to all three credit bureau that I was 30 days behind in payments. I then filed a dispute with Experian all the same, to include XXXX and XXXX  via United States Mail that XXXX was filing fraudulent claims of being behind with payment, nonetheless, I was told the filing was accurate and that it would remain on my credit history. Then On or about XX/XX/2019 I made several attempts to file a separate dispute that XXXX XXXX is filing fraudulent claims. XXXX  XXXX  filed another claim XX/XX/2019 now I am 120 days behind. Experian, XXXX and XXXX continue allowing XXXX XXXX, a leasing company, to file account is now 120 days past due. The next step is to file a lawsuit against all three credit bureaus for negligence if you unable to resolve this issue.

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 2019-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This morning I discovered my account got overdrawn by logging into my account. I realized BOA has been charging the monthly fee for over 4 months without notifying me. What makes it even worse, even though my account was overdrawn, BOA never notified me either. 
This is the first time I opened account with BOA, and I have no idea about the fee. Moreover, I just realized I lost my debit card. I tried to talk to BOA for the issue and get the money back. They refused to do so

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 2019-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I went to go deposit money on XX/XX/19 and i put in about 300 but the ATM didn't take the XXXX so it took only XXXX and even after that the ATM was still unsure and asked me to guess the amount of money i deposited. i made sure it was the correct amount because i counted the cash i had and i was missing XXXX. therefore i deposited XXXX then the tam said the transaction was going to be reviewed, and i was given provisional credit. so i then went and used the provisional credit then i was charged for the credit i used. after that i filed a dispute and after a while of having my dispute reviewed i was told that they couldn't do anything and i had not deposited the correct amount. and also when i reviewed the activity on my account it says that i deposited a check, when i never i deposit checks and always cash.

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