vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I am a XXXX-year-old widowed senior citizen who has been racially discriminated and scammed by XXXX XXXX. In the presence of my son who is my durable power of attorney was there to witness all of it, it started with the dealer demanding that I give them a {$500.00} deposit for the vehicle when I was already approved to purchase it by XXXX XXXX XXXX also including numerous unauthorized pulls of my credit report numerous times causing an extreme hit to my credit score. They also decided to use a lender of their own without my knowledge or approval. I took delivery of the car onto XX/XX/2019 in which the car m possession for approximately two weeks when all of a sudden I started receiving threatening phone calls from the dealership demanding I return the vehicle immediately or they were going to call the police on a XXXX-year-old woman and have me arrested for theft of a vehicle that I was already approved to purchase by XXXX XXXX XXXX on XX/XX/2019. Per the finance company they use, I did not qualify for the purchase of the vehicle due to the fact that when they called me for more of my personal information. I dont talk to anyone or give out any personal information or make any financial decisions without my son who is my durable power of attorney. I had already given the information at the dealership I advise them that my son has my durable power of attorney and in order for me to discuss personal information over the phone I had to have him present being that as I said before I am a XXXX-year-old widowed senior citizen who does not make any financial decisions without him because of such I was told because of this fact the lending company would not be able to finance me after having possession of the vehicle for over two weeks. I have called and I have made a corporate complaint with XXXX XXXX. I have tried to make contact with the dealership. Ive left several messages and they refused to return my phone calls. I feel that I was Taken for {$500.00} plus my credit ruined by XXXX XXXX. I was forced to buy another car and give another {$500.00} deposit at a subprime rate after losing my money and the car that I initially wanted and was approved to purchase.

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 2019-06-05 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
My ex-husband and I are XXXX XXXX and we could only have one medical insurance policy and since I was employed first the families medical coverage went under me. However, I am only responsible for any of my children medical debt because I have to sign a HIPPA document authorizing me as the responsible party. My ex-husband had some XXXX XXXX done and had to open an Synchrony Bank Care Credit account to pay of his XXXX bill. I did not sign for any XXXX  plan or Synchrony. He was not responsible paying his bill and it went on my credit. I pay my debt and was not associated with that. Later, my son had XXXX and I opened a Synchrony Bank Care Credit account to pay for his XXXX and I did as I do, paid my debt off. My account for my son is that I opened has account number XXXX **** **** XXXX. My ex-husband 's account under XXXX XXXX is XXXX **** **** XXXX. I have wrote several letter requesting that this be removed from XXXX Credit Report or the late payments but no success. When we got our divorce decree it was stated that and mentioned that his debt be resolved by him. This was a finding decreed by a judge and should be honored. I pay my debt and his debt is his debt. I wrote XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. At the time he had the account we lived together in my home but I do not know his current address.

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 2019-06-05 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: OH

Complaint narrative:
I have been going over my credit report trying to buy my home. I noticed accounts that I have never done business with and I do not have a contract for business with any of the companies. I was told to file a report and contact the CFPB AND FTC. See Attach FTC Report .XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX needs to delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.

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 2019-06-05 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been going over my credit report trying to buy my home. I noticed accounts that I have never done business with and I do not have a contract for business with any of the companies. I was told to file a report and contact the CFPB AND FTC. See Attach FTC Report XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX needs to delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.

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 2019-06-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bristlecone, Inc.
State: MN

Complaint narrative:
Incorrect information reported. Not my account.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
On XX/XX/2019 a certified letter was sent to Calvary. I resquested calvary to validate the debt and provide me with info on how they claim I owe {$3700.00} how they came up with the obsurd amoun and to do not contact other than to validate the debt.. Not only was the debt not properly validated Calvary kept contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This matter is pertaining to Equifax. I have been a victim of identity theft and have taken all the necessary measures to clear my name including theft report file. Under the Fair Credit Reporting Act, information pertaining to fraud can be blocked at consumer request. I was told this by Equifax Fraud department. However, the following accounts is still showing on my file. Please assist me in resolving this matter CFPB. I am not the one who open the underlying accounts stated in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Years ago citi mortgage called me an asked me if I wanted to refinance my house I paid XXXX for it lived there for two years and then I got that call to re finance and we talked and my interest was 7 % and they told me that they could get it to half that and I asked over and over so this will make my final principal go down and they said yes so I said go ahead of course so they proceeded to do this and while they did this I still would send a payment which would get sent back to my bank XXXX XXXX and 3 years of them not letting me make a payment I got a letter saying they got my interest down to 3.5 % but now they said my final principal was XXXX XXXX XXXX XXXX XXXX dollars {$110000.00} so I refused to pay for fraud and they sent a check for XXXX $ so we cashed it and doing that I guess we agreed to their settlement of screwing me over but it shows still active on my credit and I went to court in XXXX Texas when they evicted me and my wife the judge said we could contest it but it would cost XXXX $ and recommended that we did considering we actually showed up for a eviction nobody does that they just move I paid a lot of money and remodeling into the house and the citi mortgage lawyer said all parties walk free considering what had happened so now they done sold the house for XXXX and still charging my credit and it is immoral 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 explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Ive already filed complaints but the company refuses to come to an equitable resolution. I firmly believe I tried to make a payment in full to pay off a promotional balance ; they deny it. They did not respond at all to my second complaint about clearly making a discriminatory act during my most recent call to them, which I made after my first complaint. 

Ive now paid the entire purchase amount on the card but they expect me to pay over {$6100.00} in interest and late charges. They refuse to waive even a single month of interest. Many of my calls are handled in a highly unprofessional manner where I am cut off or scolded. 

The CFPB is already taking enforcement action against Synchrony for discriminatory behavior, yet they continue to exhibit it. The CFPB should perform a company-wide audit of their customer services practices, as I know for a fact that they do not treat all customers the same in various aspects of their business.

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 2019-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Protection Association, L.P.
State: AR

Complaint narrative:
CLASS ACTION LITIGATION PENDING A OUT OF COURT SETTLEMENT OFFER BY XX/XX/2019.

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 2019-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Springer Collections Inc.
State: MN

Complaint narrative:
My child was receiving child care services from the school. Father of the child was responsible for paying the child care bill. Father did not pay and this debt should be directed and the responsibility of the father. I have already reported this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This company has appeared on all three of my credit profiles, XXXX, XXXX, and XXXX. One account shows it as a open revolving account and the other two show it as a charge off account. I  reached out to this company and asked if they could provide a bill, as well as dates for this and they have not. The account says opened in XXXX of 2013. The credit reporting agencies verified this as accurate, but how when this company has not been able to provide me any proof of this account. I am hoping to get this resolved quickly.

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 2019-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Trans Union and XXXX. Have accounts set up with them and have used them in the past. 
Tried logging in today and and can't access account. I have the correct user names and passwords because I'm an old guy and I write them down. All they want to do is sell you stuff without any access to your account. 
These people sholud be put in jail!

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 2019-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: GA

Complaint narrative:
AR Resources showed up on my credit resport after sending a certified letter on XX/XX/XXXX To XXXX XXXX XXXX XXXX to validate two accounts that showed up on my credit report in XX/XX/XXXX {$68.00} Account # XXXX {$150.00} Acount # XXXX The debt was never validated, but AR Resources name was updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
Debt was paid in full. Debt is still being reported as negative on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Someone has taking the liberty to apply for credit using my identity. There are a lot of inquiries showing on my Equifax report. I did not apply for credit with any of these companies. I did not authorize anyone to view my credit. Please assist me in anyway possible in resolving this matter. I have enclose identity report with inquiries listed. I did not apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: OR

Complaint narrative:
XXXX XXXX and Eqiufax. Have accounts set up with them and have used them in the past.

Tried logging in today and and can't access account. I have the correct user names and passwords because I'm an old guy and I write them down. All they want to do is sell you stuff without any access to your account. 
These people sholud be put in jail!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
There is no sufficient information to support credit bureaus claim. the payment here is sent in advance so i don't understand why this is past due. CFPB please check and fix this for me ... XXXX XXXXL XXXX, XXXX XXXX XXXX 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
Consumer complaint received 2019-06-05 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
There is no sufficient information to support credit bureaus claim. the payment here is sent in advance so i don't understand why this is past due. CFPB please check and fix this for me ... XXXX XXXX   XXXX, XXXX XXXX XXXX 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
Consumer complaint received 2019-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX : I opened a joint checking account with my daughter who is in XXXX for the summer. Prior to opening the account I was told if I did an electronic transfer, money would be available in 24-48 hours. Electronic transfer initiated XX/XX/XXXX, funds received XX/XX/XXXX. 
XX/XX/XXXX : my daughter called THREE TIMES trying to get them to send her debit card to her in XXXX. Rep # 1 told her to go online and do it herself. After trying that and not being able to input the XXXX address she called back. Rep # 2 puts her on hold and disconnects her. She calls back again and Rep # 3 tells her to send a photo of her passport, which she does. He then tells her he needs to get a manager to finish helping her and puts her on hold. Manager never picks up and she is disconnected again. She is XXXX, away from home on her own, training 12 hours a day for the national team and has just spent 45 minutes of her 1 hour break trying to get help with a simple request. She calls me close to tears for help. I call ( I am the primary account holder ) and they refuse to help. They need to " speak to her directly '' even though the account is in my name as well and I explained to the manager that she does not have the free time to keep calling them. At this point I say I will just find another bank and would like my money returned. This is when he tells me that the funds will not be released until XX/XX/XXXX and I have to wait until then to close the account. So they have taken my money and are holding it several days while they collect interest on it and provide no service in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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:
I am a victim of identity theft and have file theft report. I was told that information contain in theft report would be blocked per my request. However, I requested to have information blocked and it is still showing on my credit file. I am reaching out to CFPB to assist me in resolving this matter amicably. I did open the accounts listed in this complaint. I have submitted documentation relieving me of this incident. Please assist me in anyway possible..Thanks

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 2019-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: National Recoveries, Inc.
State: MS

Complaint narrative:
National Recoveries is currently garnishing my wages. I did a forbearance and income repayment plan with XXXX.  But they still are garnishing my wages. I can't survive this every 2 weeks. I'm now also paying {$5.00} a month rehabilitation. Can something be done to stop this garnishment please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
There is no sufficient information to support credit bureaus claim. the payment here is sent in advance so i don't understand why this is past due. CFPB please check and fix this for me ... XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation