vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I paid this account with XXXX  and last time I spoke to them they said they would remove it off of my report once it's been paid. It is still showing up on my credit report even though they said they would delete it. It was removed off of XXXX  but it is still showing on my Experian and XXXX credit report. I called and spoke to them a few months ago and this account was paid 1 year ago. This needs to come off of my report since it's hurting my credit and I am trying to refinance my house.

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 2021-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TCF NATIONAL BANK
State: IN

Complaint narrative:
I received a call from a company phone number XXXX saying they are a lawyer and I know I had a debt with the TCF  Bank back 2007 I think plus it is not on my credit report so I was willing to pay half the debt and get it over with they wanted me to give them my debit card I asked could they mail me out something about this cause I had a friend that someone did the same to her and it was fraud they had my name, social security number, my old address I asked could they mail me out something with the office name but they said it could take up to 7-14business days I asked about email still no respond I gave them my email address XXXX I called back they wouldn't tell me the law office name or who was handling the case can someone please help me if it's true I will pay have of the bill like they suggest just don't want to be scam

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX my bill for account SYNCB/AMAZON PLCC ( opened XXXX XXXX, XXXX ) did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2021-01-25 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Someone has used my personal info to obtain a credit card and or get a vehicle loan.

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 2021-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I'm lost for words, I went through a financial hardship but made good on this account with Capital One reporting XXXX and paid it. To date it is still listed on my credit file as I owe which is inaccurate and untrue. I have called, called, called and still no one cares. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I have written several disputes to Credit Collection Services, which they have not responded to, a violation of the FCRA. they have failed to validate a debt at my request, a violation of the FDCPA. Credit Collection Services is required by law to provide me, the consumer, with information reported about me to the credit bureaus in accordance with the above stated laws. Please help me!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I was reported 30 days past due on my XXXX XXXX vehicle lease. I could not determine why and what the error may have been therefore I continued to pay what was asked to avoid any further damage to my credit. Today, on XX/XX/XXXX I received a check for {$470.00} that was a result of a " file review '' ( attached ). With said check being received it is apparent that there was some issue with my file. I will accept the refund but I will also like the 30 days late marks removed from all three of the credit bureaus and my file permanently.

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 2021-01-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I have a loan with Tower Loan located in XXXX XXXX, LA. My first payment for my new account was due XX/XX/2020 however due to the pandemic I had a problem making that payment. As of today that payment is still past due however I had intentions on making that payment this week. I was told that if I did not pay the XXXX and XXXX payment that there would be legal fees added to my account and my wages garnished. My first payment is not even 60 days past due as of today however the branch manager XXXX indicated I am 60 days past due and that if I don't pay XXXX and XXXX in full legal action will taken place. To threaten someone with legal action and wage garnishment during a pandemic is disgusting. To add to my embarrassment of not being able to pay my payment as promised, XXXX refused to make any other arrangements with me as per XXXX " he could have sued me last month for this debt ''. What I don't understand is how if my payment was due just last month? I would like to make arrangements to catch up on my payments however the branch manager refuses. He refused to provide a number or email address to their home office, he only redirected me to the site. I have completed their complaint form twice and received no response.

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 2021-01-25 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:
It has been fraud and theft on my credit reports, please provide a fraud alert to my accounts and require new inquiries to contact me before issuing new credit and remove all inquiries that over the last 24 months that didnt produce credit. My employer informed me that my identity was stolen and a false unemployment claim was created in my name. My identity was stolen in the past also and credit cards. I informed XXXX Police Department of the most recent theft today. Please remove remove XXXX XXXX  and XXXX XXXX MasterCard from my credit reports also. As a minority in this country I dont feel my identity is protected or credit profile correct. I will provide all information thats needed thank you. Im afraid of all the fraud, I have requested help in the past and havent received any relief and it continues to be a breach my identity.

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 2021-01-25 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: FIRSTBANK PUERTO RICO
State: VI

Complaint narrative:
XXXX missing ATM card. Called bank to cancel card. Was on hold for over 1 hour. 

XXXX Called bank again, recording said unavailable. 

XX/XX/XXXX Holiday, recording said unavailable again. 

XXXX Went to branch where I opened account when it opened. Representative canceled ATM card, issued temporary. Confirmed no charges since XX/XX/XXXX when I last used the card at a restaurant. 

XXXXSaw three fraudulent charges on bank app. Reached customer service and filed complaint. Two for XXXX XXXX {$370.00} & {$470.00} and one from XXXX for {$250.00}. Contacted XXXX XXXX fraud dept. they needed complete transaction number, only had partial from bank app. Reached customer service, was told they could not give me complete transaction number. 

XXXX-Reached customer service, they said complaint denied. Said I would file CFPB complaint if money not returned. 

XXXX All monies credited to account. 

XXXXDeducted the XXXX XXXX charges against. Call customer service again they said it was only a temporary credit. Filed another claim. 

XXXX Again deducted XXXX XXXX charges totaling {$840.00} debit memo VD XXXX. Called customer service said they could not see the charge as it was internal. 

XXXX received letter dated XX/XX/XXXX from bank in Spanish but could not read. It appeared to reference fraudulent XXXX  charge of {$250.00}. 

XXXX Received letter dated XX/XX/XXXX from bank : debit reflected in XX/XX/XXXX corresponds to reversal of provisional credit in XX/XX/XXXX. 

XXXX filed another complaint # XXXX with XXXX XXXX XXXX Said she could not see any history before XX/XX/XXXX. 

Summary- They have deducted XXXX XXXX fraudulent charges against my account twice totaling {$1600.00}.

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 explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: COAST PROFESSIONAL, INC.
State: WA

Complaint narrative:
I have made several attempts to repay student loan to a debt collector ( Coast professional Inc ) with the cares act repayment option. Coast professional is not working with me to make payments and keeps holding up my paperwork with issues in review. When I speak to customer service they say its in review. And I never hear back, and when I call back its still in review, or their is a new problem with paperwork. I cant successfully make a payment on my debt.

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 2021-01-25 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: Mercedes Benz Financial Services
State: FL

Complaint narrative:
On XX/XX/XXXX my bill for account MERCEDES-BENZ FINANC ( opened XXXX XXXX, XXXX ) did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I will fine a lawsuit if this fraud accounts is not removed!

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 2021-01-25 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: IN

Complaint narrative:
I was involved in a vehicle accident in XX/XX/2019. I was not at fault for the accident, and all my medical bills were paid by XXXX. Instead of sending one bill sent several items to collection which were on one bill paid by the insurance company. I have attempted to contact AmeriCollect to correct this inaccurate reporting. However I have been unsuccessful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I have been paying on this loan for my daughter 's XXXX  XXXX  expenses since XXXX. Navient has been difficult to deal with, and specifically how to understand the method they use to calculate the interest and late fees. 

I called Navient on XX/XX/XXXX and attempted to pay off the loan. They informed me the payoff balance was {$3500.00}, but they would not allow me to pay with a credit card, only a debit card. I informed them at that time I would be mailing them a check, which I did on XX/XX/XXXX to the mailing address in XXXX, PA they had provided at that time. This was check # XXXX in the amount of {$3500.00}. 

I called them on XX/XX/XXXX since I noticed that late payment charges were accruing on their online statement, and my check was obviously not deposited. They informed me at that time they had not received the check. I was concerned that they were deliberately holding the check for as long as they could, in order to accrue additional late charges, as this was nearly two weeks since I sent the check. So I told them at that time I would be cancelling the check and would pay immediately with a debit card. I proceeded with the debit payment at that time, in the amount of {$3500.00} which I was informed was the payoff balance. I did receive a confirmation e-mail shortly afterwards on XX/XX/XXXX with the confirmation # XXXX, indicating that the payment was submitted and processed. 

I did proceed also at that time to place a stop payment with my bank on check # XXXX. I noticed on XX/XX/XXXX that the debit payment was posted to my bank account in the amount of {$3500.00}. On XX/XX/XXXX I noticed also that Navient had attempted to deposit check # XXXX which I had told them specifically I was cancelling and this was 2 days after the debit payment was already processed. 

I am concerned now that if I would not have placed this stop payment that Navient would have proceeded with processing the check, and it would have been a large project with them to refund the check, and most likely it would have been on their terms, with whatever other late charges they wanted to add. 

I am attached the e-mail from Navient indicating the debit payment was processed on XX/XX/XXXX, and a caption of my bank statement, indicating that Navient had attempted to process the check for {$3500.00} on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a letter on XX/XX/XXXX regarding unknown and inaccurate information on my credit report.As of this present date, XX/XX/XXXX, I still have not received any response, which is more than 120 days later. I am under the impression my disputes are being ignored and disregarded. I also feel I am being taken advantage of and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the XXXX  data breach whichmay have gotten into the hands of wrong individuals.

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 2021-01-25 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On my credit reports there is a closed account with huge amount of missed payments. MACY'S/DSNB ( opened XXXX. XXXX, 2009 XXXX Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MACY'S/DSNB has violated my rights as a consumer and I requesting legal action to remove this account immediately.

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 2021-01-25 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am reaching out to file a complaint with the bank and card issuer Synchrony Bank. The bank is repeatedly and intentionally failing to report correct information to the 3 credit bureaus, resulting in financial detriment. 

This stems from the period of XX/XX/XXXX to XX/XX/XXXX in which Synchrony Bank confirmed fraudulent charges were reported on the account. The charges were subsequently removed from my account as I did not authorize or recognize those charges. 

Beginning in XX/XX/XXXX, after more than 1 calendar year after the fraud charges were initiated, I received a collection notice from a third party. I have since called the bank no less than 6 times to confirm that the account is not responsible for these charges. In each call, we were able to confirm that the fraud charges were not my responsibility and that the bank and card issuer would reach out to the 3 credit reporting bureaus to confirm. 

Each time, the bank has failed. As a direct result, a third-party collections agency XXXX XXXX XXXX XXXX has begun the sending out collection letters. I am reaching out to file a complaint and to seek assistance in formally asking the bank to rectify their inaccurate information to the 3 credit bureaus. Thank you.

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 2021-01-25 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: TX

Complaint narrative:
Dispute on XX/XX/XXXX Response Dated XX/XX/XXXX Received in Mail XX/XX/XXXX Report Number : XXXX Transunion XXXXXX/XX/XXXX XXXX XXXX, PA XXXX The company that reported the information has Verified As Accurate. 

I am including an attachments that the courts do not to report credit report bureaus. 
US BKPT CT TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone Number ( XXXX ) XXXX Chapter XXXX bankruptcy discharged Case # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation