vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
on XX/XX/2021, I purchased several items on XXXX 's website. When I checked my bank statements at CapitalOne, I found that I could not recognize one of the transactions from XXXX 's which is {$32.00}. 

All of the purchased items and prices are listed in payment details in XXXX 's Confirmation letter. and all of the transactions from XXXX XXXX are listed in CapitalOne Bank statement. But, they don't agree with each other. There is {$32.00} difference. 

I called XXXX 's but they didn't want to take care of the misconducted transaction. I disputed with Capital One but they didn't give me the option to upload evidences and closed the case immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-08 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: SYNCHRONY FINANCIAL
State: VT

Complaint narrative:
I noticed my credit score had dropped as I was looking into it its stating that I had a delinquent payment for JCPenneys. I do not have a JCPenney Credit Card, I have not purchased anything from JCPenneys in over 3 years. I have not received any mail or email from JCPenneys. There is so much fraud happening know and telemarketing going on it would be hard to say if they have been calling. I called the credit card company when I saw it had affected my credit score.

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 2021-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am pretty adamant about keeping up with my consumer file info and upon reviewing it on XX/XX/XXXX, it was brought to my attention that Equifax is reporting a significantly different score than XXXX and XXXX. The last update posted on Equifax 's website was on XX/XX/XXXX, showing a score of XXXX down XXXX points with no changes recorded. XXXX last updated on XX/XX/XXXX shows a score of XXXX up XXXX points due to the removal of an XXXX XXXX account, two XXXX XXXX inquiries, XXXX XXXX XXXX XXXX account, XXXX XXXX XXXX account, and an XXXX XXXX XXXX  XXXX account. XXXX also updated on XX/XX/XXXX shows a score of XXXX up XXXX points due to the removal of a XXXX XXXX inquiry, an XXXX XXXX account, and a XXXX inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
creditors bureau usa acct. no. XXXX is wrongfully appearing as a collection account on XXXX and XXXX credit bureaus.They identify as collectors for a {$130.00} debt from XXXX XXXX. XXXX. 
AT THE TIME OF SERVICE FOR MY HAND I SIGNED WITH THE HOSPITAL INSURANCE EMPLOYEE ALL OF THE NECESSARY PAPERWORK FOR EMERGENCY MEDI-CAL FOR THIS COVERED CHARGE.THERE CAN BE NO CO-PAY AS THE GOVERNMENT INSURER PAYS IN FULL AND ASSIGNS THE BENEFIT.IF THE HOSPITAL WANTS TO CONTINUE TO RECEIVE GOVERNMENT INSURANCES THEY SHOULD IMMEDIATELY DELETE THIS 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 2021-08-08 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase Bank closed my credit card account last year for non-payment. They have since charged off the account. According to the Fair Credit Reporting Act all information reported to credit bureaus must be consistent and accurate. Chase has been reporting inaccurate and inconsistent information to XXXX XXXX XXXX XXXX, etc. Neither XXXX nor XXXX list the date of closure. XXXX and XXXX list closure date as of XX/XX/2020. According to the Fair Credit Reporting Act, all reported information regarding accounts must be consistent and accurate across all credit reporting agencies. Also, Chase has continued to report payment history to all credit bureaus after the account was closed. Chase has reported late payments after account closure. Furthermore, Chase Bank has also continued to report an outstanding balance on this closed and charged-off account. This is another violation of the Fair Credit Reporting Act. I can not have any late payment history nor outstanding balance on a closed account. The Fair Credit Reporting Act states that any credit accounts that are inconsistently and inaccurately reporting to the credit bureaus must be removed from all credit bureau records. Due to these inaccuracies and inconsistencies, I am requesting monetary compensation in the amount of {$1000.00} as well as removal of this account from all of the multiple credit bureau records. This account has also contributed to me not being able to acquire new credit during this past month. If this account is not removed from all credit bureau agencies ' records within 30 days, I will seek further legal assistance and compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have been a Lowes Credit Card Holder since 2005. I have never missed a payment and my credit is outstanding. I have been a loyal customer for all these years and this is what I get in return from a Bank ( Synchrony ) I trusted to care about my needs as a consumer. How hurtful that is to know that I am not being treated like I should. They gave me an option when opening the card that I could add an authorize user if needed. Because I added authorize users Synchrony bank should not have closed my account. If I am assuming all responsibilities of this card, then it should not have been an issue. If you didnt want me adding authorized users, then I shouldnt have been given the option. I feel I have been treated unfairly and discriminated against. There was no reason to close my account, however you did so for a reason that I disagree with. I am sure that I am not the only Lowes credit card member who added users to their accounts, and they still have their account open. They could not find any reason to close my account so they came up with this. They are trying to ruin my outstanding credit and limit me.

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 2021-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
On XX/XX/2021 I contacted Hyundai Motor America regarding billing. I asked for a deferment for the month of XXXX. I was informed they needed to process the application. 

The application was approved and I needed to sign documents which was esigned on XX/XX/2021. 

Today XX/XX/2021 I receive a call from Hyundai Motor America stating this is an attempt to collect a debt. I informed the agent I signed the documents and was told my next payment would be XX/XX/2021. 

I have a copy of the documents and now they saying it has been denied because they did not receive the paperwork on time. This is false because I did everything with the agent while she was on the phone. This is a violation on behalf of the company because they never contacted via mail, email or phone to inform me the application was denied. If the Agent would not have called me to state she was attempting to collect a debt which is not even 30 days late I would have never known about 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 2021-08-08 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: Norwich Commercial Group, Inc.
State: CT

Complaint narrative:
I called XXXX XXXX to let them know I refinanced my loan before XX/XX/XXXX. They were to receive the total mortgage balance from XXXX XXXX XXXX, my new lender. They received the total amount and still marked my account as delinquent. I have never paid my mortgage late as you can see in my report. I would like XXXX to fix this asap as this hurts my excellent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I called XXXXXXXX XXXX to let them know I refinanced my loan before XX/XX/XXXX. They were to receive the total mortgage balance from XXXX XXXXXXXX XXXX, my new lender. They received the total amount and still marked my account as delinquent. I have never paid my mortgage late as you can see in my report. I would like XXXX to fix this asap as this hurts my excellent payment history.

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 2021-08-08 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I called XXXXXXXX XXXX to let them know I refinanced my loan before XX/XX/XXXX. They were to receive the total mortgage balance from XXXX XXXX XXXX, my new lender. They received the total amount and still marked my account as delinquent. I have never paid my mortgage late as you can see in my report. I would like XXXX to fix this asap as this hurts my excellent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: CT

Complaint narrative:
I called XXXXXXXX XXXX to let them know I refinanced my loan before XX/XX/XXXX. They were to receive the total mortgage balance from XXXX XXXXXXXX XXXX, my new lender. They received the total amount and still marked my account as delinquent. I have never paid my mortgage late as you can see in my report. I would like XXXX to fix this asap as this hurts my excellent payment history.

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 2021-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/2021 I received a debit card from td bank that I did not apply for. I called the bank and canceled the account and did not activate the debit card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-08 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:
Syncory bank HSN card shows 30 days late XXXX and XX/XX/2019. During time didnt have account with them tried numerous times to get them to fix credit report. Please remove late payments from credit report

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 2021-08-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I paid off the lease for {$16000.00} Hyundai Finance. I also sent in all the necessary paperwork the same day ( odometer reading ). I have yet to receive the title for the car. I have made numerous phone calls. I am not able to use the car because registration has expired. I will also have to pay a penalty to motor vehicle to register car. In the state of New Jersey if you register the car more the 10 days after the sale car you pay a penalty.

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 2021-08-08 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: CL Holdings LLC
State: MD

Complaint narrative:
Jefferson capital keeps reporting a balance on my credit reports that I have told them is not my account they are saying its a XXXX account which I never opened. It was disputed with both XXXX and XXXX and it was removed after a dispute. Now they have added it back as a new account to both reports. I have had the same cell service for 10 years I have never opened a XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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 — Problem with personal statement of dispute
Company: DISCOVER BANK
State: OH

Complaint narrative:
My Discover card was taken and used without my knowledge to buy womens clothes Discover is trying to make me liable for this balance and has turned it into my credit t report affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: NC

Complaint narrative:
XXXX XXXX  XXXX card shows 30 days late XXXX and XX/XX/2019. During time didnt have account with them tried numerous times to get them to fix credit report. Please remove late payments from credit report

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 2021-08-08 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: MN

Complaint narrative:
I've noticed a 17 point drop of my Fico score with Equifax on XX/XX/21 not given an clear explanation to what cause the drop. I'm not happy with this drop and will like for this to be further investigated!

Please resolve.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my fourth complaint against XXXX Incorporated. They are attempting to collect a wrongful debt from me. My pervious complaint on was closed because Ms. XXXX from XXXX replied she would sent me proof of this being my debt. Unfortunately, the proof she sent me, is still INCORRECT, the address is wrong, the address is typed in but someone wrote it in the apartment number, and it is still incorrect. I did not apply for XXXX XXXX XXXX. I have not apply to live anywhere, I have a home. This has been the worst. There a laws in place to protect consumers from wrongful debts and Im constantly being ignored. Im not being protected. This isnt my debt please block and deleted this from my credit report, it is an embarrassment to me as a consumer and hard working individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: OR

Complaint narrative:
I had a dispute with a lending company because they never sent me any documents, information, or evan the name of the company to pay this small loan off. I assumed they would eventually send me something but no they didn't they just turned it in to Experian as derogatory. I tryed for over a month to reach the company with the information provided by Experian but could not get anywhere in the mean time I had filed 3 disputes which did me no good. Finally with more reserch on line I was able to reach a customer service representative from the company XXXX who found my account but my account had been turned over to a collection agency so I contacted them and finally was able to pay this loan off in full in one payment. After that I tried to get Experian to remove the derogatory remark but would not allow me to file another dispute so I could upload documents to prove I payed it. So I emailed them and by this time I was frustrated behind belief and I made a few derogatory stamens myself about there company and there app. I checked my report today and XXXX is showing the they had been paid but instead of my score going up they dropped it by 83 points. My other two scores are much hire than Experian and I believe this was intentional. 
Sincerely 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 2021-08-08 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: NC

Complaint narrative:
THIS IS AN IMMEDIATE DEMAND TO REMOVE ALL DISPUTED INACCURATE ACCOUNT, ADDRESS AND ANY INFORMATION BEARING MY NAME THAT DOES NOT AND HAS NEVER BEEN ASSOCIATED WITH ME!

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 2021-08-08 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: NC

Complaint narrative:
THIS IS AN IMMEDIATE DEMAND TO REMOVE ALL DISPUTED INACCURATE ACCOUNT, ADDRESS AND ANY INFORMATION BEARING MY NAME THAT DOES NOT AND HAS NEVER BEEN ASSOCIATED WITH ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
Phoenix Financial Services I disputed them 2 times through XXXX  and it didnt help I call Friday XX/XX/XXXX and the women was very rude and said she cant discuss my concerns with me wont me make a payment and I told her I dont know of going to the doc and told her I dont go to XXXX if I did I need some documents showing my signature or proof and she said no they didnt need to do that and this has really messed my credit up

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: NCB Management Services Inc.
State: GA

Complaint narrative:
Back in XX/XX/2020 I applied for a loan for a vehicle with XXXX. I had set up to even look at a car. I never went and never got a vehicle out with the company. They dinged my report with a XXXX loan. We discussed this would be about the car price as well. However nothing was taken out from the company. No loan or anything of this matter should be on my report. I have attempted to dispute this matter and they keep coming back with this is a legit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
Back in XX/XX/2020 I applied for a loan for a vehicle with XXXX. I had set up to even look at a car. I never went and never got a vehicle out with the company. They dinged my report with a XXXX loan. We discussed this would be about the car price as well. However nothing was taken out from the company. No loan or anything of this matter should be on my report. I have attempted to dispute this matter and they keep coming back with this is a legit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, Portfolio Recovery Services sent a notice about a debt. I mailed a certified letter on XX/XX/XXXX requesting the agency stop calling me about this debt as I have been disputing it as it is the result of identity theft. 

This company continues to call me as most recently on Saturday, XX/XX/XXXX, and basically daily - multiple times per day - so this communication is now harassment.

Company response to consumer: Closed with non-monetary relief