vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: CA

Complaint narrative:
This debt was established and went to court in 2014, I missed the court date but have since given them court documents where I am only responsible for half the debt. They have told me they don't care and have attached my wages for a large amount- like 30 %. I have a signed court order- where my ex spouse is responsible for thee debt and they have ignored it. 

I am a one income XXXX supporting XXXX kids, XXXX of which has started XXXX  and they refuse to decrease the amount being attached. 

I pay over {$600.00} dollars a month to this company and STILL EACH month they place a negative point on my credit report because interest has gone up. 

I'm in the state of CAlifornia and I don't believe this credit agency XXXX XXXX has acted lawfully or in good faith when it comes to ignoring my request and ignoring the court order given to me by a judge in a courtroom of XXXX CAlifornia. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: SC

Complaint narrative:
Equifax did not complete an investigation on XXXX XXXX XXXX which is an erroneous account added to my credit file. I opened a dispute and they closed the dispute the same day. I disputed this information over a year ago and it was deleted and reinserted back on my file and reported on Equifax on XX/XX/2022. I have never had any contract or service with the company and this information also states that it was included in my bankruptcy. Equifax has not done its due dilligence and has violated my rights by allowing this company to report negatively on my report. 

I am demanding this information be deleted immediately from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: Chime Financial Inc
State: MD

Complaint narrative:
On XXXX XXXX charged my chime credit card for a pre authorized hold of resort charges. These fees were already paid and Ive provided documentation showing both that they were paid with another card and shouldnt have been charged along with documentation showing this to chime. Ive answered multiple calls and emails and sent in all the documents they requested that clearly shows that I shoood not have been charged {$120.00} and the funds should be returned to me. Im still sitting here 4 weeks later almost and no reply and finds still being withheld. I like chime believe they are a good bank but this isnt ok

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion kept reporting an unverified debt that I did not owe against me. Particularly, TransUnion refused to delete an unverified collection filed on my credit profile by XXXX XXXXXXXX XXXX. I was not responsible or privy to the underlying collection. XXXX XXXXXXXX XXXX reported the same inaccurate debt information on other Credit Bureau Companies such as XXXX and XXXX. When I noticed the inaccurate debt information on my credit, I requested validation and subsequently disputed the debt. XXXX and XXXX deleted the debt from my credit account when it was found inaccurate and unverifiable. However, TransUnion refused to delete the inaccurate debt information from my account hence, this complaint. Therefore, I believe TransUnion is taking the reporting of the erroneous debt information personally against me. Please compare other Bureaus ' credit reports with TransUnion.

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 2022-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2022, I made a credit card payment which posted to the account on XX/XX/2022. However, on XX/XX/2022 ( which is also the day the payment was due ), received an email stating, " Were sorry, but your bank recently returned payment ( s ) made to your Union Plus Credit Card due to insufficient funds ''. The email suggested I contact my bank to see why the payment was rejected. 

This seems almost improbable considering I have XXXX XXXX XXXX  of dollars in my account, along with overdraft protection. I immediately called my bank ( XXXX XXXX ), and XXXX XXXX  has zero record of any type of payment rejection and zero record of any attempt by Capital One requesting the payment & I was also assured by XXXX XXXX  that even if for some unexplained reason I did have insufficient funds in my account, they would absolutely cover the charge ( s ) up to {$1000.00}. 

I attempted to make the payment after speaking with my bank & was informed I would incur a {$25.00} late fee by Capital One since the payment was not going to post until the following day, since it was after hours. I called Capital One customer service & explained the entire situation to a customer service representative & was told there was no way around avoiding the {$25.00} late fee. I asked to speak with a Supervisor and was eventually transferred to a Supervisor. But before I was about to be connected to the Supervisor, the customer service representative told me you're still going to be charged the late fee regardless - ( out of curiosity, why would a customer service representative make that statement to me instead of allowing the Supervisor to make that decision, it was the same as telling me, " you're just wasting your time, you're going to pay the late fee no matter what you say '' ). I connected to the Supervisor and was again told by the Supervisor I will still in fact be charged the {$25.00} late fee. I explained to the Supervisor I had received the same " insufficient funds '' email the previous month & it simply was not true that I didn't have the funds in my account. I explained to the Supervisor, for as long as I've had this particular credit card, I never carry a balance & pay my outstanding balance every month. The Supervisor had no interest in what I had to say & reiterated I would still be charged the {$25.00} late fee All I have is their " word '' and zero proof that they attempted to collect money out of my account. I, on the other hand have solid proof that the money was absolutely available at the time I initiated the payment, as well as proof of overdraft protection & proof that my bank would have covered the transaction even if the money wasn't in the account. So essentially I was charged {$25.00} for a non existing problem, which appears to be a form of fraud by charging customer ( s ) unfounded late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX kept reporting an unverified debt that I did not owe against me. Particularly, XXXX refused to delete an unverified collection filed on my credit profile by IC Systems Collections. I was not responsible or privy to the underlying collection. IC Systems Collections reported the same inaccurate debt information on other Credit Bureau Companies such as XXXX and XXXX. When I noticed the inaccurate debt information on my credit, I requested validation and subsequently disputed the debt. XXXX and XXXX deleted the debt from my credit account when it was found inaccurate and unverifiable. However, XXXX refused to delete the inaccurate debt information from my account hence, this complaint. Therefore, I believe XXXX is taking the reporting of the erroneous debt information personally against me. Please compare other Bureaus ' credit reports with 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 2022-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Synchrony Bank deceptive third party lending!!! 

I recently bought a mattress from XXXX XXXX using their financing option. They use a third party lender, Synchrony Bank. The financing paperwork is about one or two paragraphs long and doesn't go into detail. 

Without my permission, they opened a credit card account with a negative balance and sent me a credit card. My credit took a sizeable hit because of this and without my consent. 

Synchrony will not accept a debit card as payment unless you call them. They make it very hard to talk to a person which is the only way they accept a debit card. 

Their " customer service '' representatives aggressively push you to activate the credit card they sent you. 

They also require monthly payments ... even if your are ahead on your payments. That was never disclosed before the purchase either. 

In my view, this is a deceptive and predatory practice that needs to be stopped. This takes advantage of the most vulnerable that don't understand how credit works. How many people have negative life outcomes because they can't afford a large purchase and get taken advantage of by these loan sharks? I refuse to believe this is legal.

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 2022-12-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
In early XXXX I received papers from the Navy Federal Credit Union, along with a XXXX. I immediately called the Credit Union and told them that I had no idea of what was happening, apparently someone had opened up an account with them using my SSN & name. They told me that they were going to close account and address the situation. 

I continue to receive information from them about the delinquent account, at which time I call them again, they tell me that there is a flag on the account and not to worry they are taking care of the situation. 

I have reported this to the 3 credit unions, and have them put a hold on my SSN, however my credit score continues to fall. I was at XXXX and now with XXXX bureau ( as of yesterday ) has fallen to XXXX ( approx. as I have closed the information on my computer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX {$1500.00} from XXXX XXXX XXXX XXXX XXXX NEVER received any notification of this amount or account. NEVER had an account with XXXX XXXX during this time period. 
When I called and asked the Credence Resource Management Representative, and also spoke with a Supervisor, would not mail documents to my address. 
I asked where they were located, and he responded : " XXXX, offshore ... '' I also asked repeatedly if this was a scam, and they did not respond. I only gave my name and zip code, then they hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10 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: WAKEFIELD & ASSOCIATES, INC.
State: SC

Complaint narrative:
I am Aware that WAKEFIELD & ASSOCIATES has violated my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
On XX/XX/2022, I requested some documents via the aidvantage portal, to furnish to my mortgage lender for my pre approval process. On XX/XX/2022, I received the documentation that indicated my total loan amount and that my monthly payment was XXXX. However, the lender needed to see what my monthly amount would be once my loan is out of deferment. Which is indicated on my credit report, but my loans are in forbearance due to my attendance at a higher educational institution. Instead of communicating via internet, I decided to call on XX/XX/2022 and the representative was able to furnish a letter stating my estimated monthly amount, the loan amount listed on the document was in only {$60.00}, when I currently owe over {$150000.00} in student loans. Of course the mortgage lender refused to accept that documentation because it now shows conflicting information. I called repeatedly called XX/XX/XXXX and XXXX for someone to furnish the same letter, but with accurate figures, but every representative ( approximately 6 ) I spoke with, either I got disconnected or they said I have to wait 15 business days for my NEW application for and IDR plan to be processed. Im frustrated and confused how one was able to produce a letter but the others were not. I was even told they would have their supervisor write the letter and I got disconnected. AND NO ONE called me back after be disconnected. In addition, the representatives try to talk over you, or seem inept or just not trained properly. One had the audacity to tell me I filled out an application wrong, which I did not fill out one with then, it was produced based on the information they collected from me. This servicer is a hot mess and I hate to see how it will be after the XXXX pause is lifted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: AL

Complaint narrative:
XXXXXXXX XXXX, with what I perceive as malicious intent, agreed to remove the negative notation they reported to the credit bureaus. This was restored after they agreed in writing, via XXXX to remove it. As such, I am requesting they honor this, as they agreed in writing, bound themselves via contract, in writing, agreed to remove these negative notations. This is per XXXX XXXX XXXX. XXXX. This means they are without excuse and may be sued in the court of law. However, I am going to give them this opportunity to repent, admit their error, and remove the negative notation ( s ) immediately from all credit bureaus.

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 2022-12-10 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: AL

Complaint narrative:
XXXXXXXX XXXX with what I perceive as malicious intent, agreed to remove the negative notation they reported to the credit bureaus. This was restored after they agreed in writing, via XXXX to remove it. As such, I am requesting they honor this, as they agreed in writing, bound themselves via contract, in writing, agreed to remove these negative notations. This is per XXXX Case No. XXXX. This means they are without excuse and may be sued in the court of law. However, I am going to give them this opportunity to repent, admit their error, and remove the negative notation ( s ) immediately from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 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: AL

Complaint narrative:
XXXXXXXX XXXX, with what I perceive as malicious intent, agreed to remove the negative notation they reported to the credit bureaus. This was restored after they agreed in writing, via XXXX to remove it. As such, I am requesting they honor this, as they agreed in writing, bound themselves via contract, in writing, agreed to remove these negative notations. This is per XXXX Case No. XXXX. This means they are without excuse and may be sued in the court of law. However, I am going to give them this opportunity to repent, admit their error, and remove the negative notation ( s ) immediately from all credit bureaus.

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 2022-12-10 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:
This is the second time I have sent a certified to Experian about the inaccurate information they are reporting on my consumer report. I even sent copies of my consumer report to show what inaccurate information they are furnishing. The first letter I sent to Experian was XXXX XXXX the information came back verified, another letter was sent on XXXX XXXX. I asked Experian to furnish the procedure of how the account was verified, I asked them to mail me a corrected copy of my consumer report. ( They did not send anything as I had requested ) Experian sent an email, and that's not what I requested, I saw the email three weeks later because I was not expecting an email concerning these accounts. The problem is Experian is reporting two XXXX XXXX accounts, one with an account number and the other one without an account number just XXXX, and sometimes the account number starts with XXXX. The amount on both accounts {$9300.00}, date opened is XXXX XXXX, The credit limit {$10000.00}, both are credit cards, Status updated XX/XX/XXXX for both accounts. The difference is how they are reporting the Payment History, the account that starts with XXXX and sometimes appears with just XXXX. Payment History : XX/XX/XXXX Data Unavailable, XX/XX/XXXX account 30 days late, Balance updated : XXXX XXXX. The other account starting with XXXX has the Payment History : XX/XX/XXXX account 30 days late, XX/XX/XXXX account 60 days late. This account the Balance updated XX/XX/XXXX. This information is inaccurate and I have requested that they investigate every piece of information concerning this account and it has not been done. I have enclosed a copy of letter I mailed to Experian and my consumer report also. This information is only about the XXXX XXXX accounts listed on my consumer 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 2022-12-10 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2022-12-10 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IA

Complaint narrative:
Well I have been charged numerous insufficient late charges. My credit report has taken a hefty hit. Also I asked about forebearance. Just to be told I don't qualify. I have been discussed with the harassment and discrimination.

Company response to consumer: Closed with explanation