vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
KOHLS/CAPONE XXXX Kohl 's is inaccurately reporting a 30 day late as of XX/XX/2020. I contacted Kohls to advise of my hardship due to COVID-19 and was told that I would not be reported late to the credit bureaus due to the CARES ACT. This is preventing me from getting the credit I deserve and I am in the process of buying a home. I have contacted Kohls and have spoken to several Managers that have told me they would send a letter confirming the correction and I have yet to receive the letter. Last manager I talked to was XXXX on XX/XX/2020. His Employee ID XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-30 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: NY

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2020-09-30 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: NY

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-09-30 00:00:00
Product: Vehicle loan or lease — Loan
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: CT

Complaint narrative:
I purchased a XXXX XXXX XXXX for {$36000.00} on XX/XX/XXXX and financed it through KIA Finance. This loan was paid as agreed in full on XX/XX/XXXX but NO title has been received and it is going on 6 months. We have contacted KIA Finance multiple times and still NO Title. Their records show that the loan was paid in full, a paper copy of the title is on file and multiple requests for it have been made. Still NO title.

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 2020-09-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Requested Synchrony 's assistance with defective furniture that was delivered by Ashley Furniture Homestore, but Synchrony basically did nothing to help. Each time, Synchrony would respond stating " we ruled in favor of the merchant, '' without requesting any evidence from me. I was stuck with paying Synchrony for two pieces  of furniture that arrived damaged and defective. 

As such, I sought legal advice, and the lawyer re-sent Ashley pictures of the pieces of furniture. As a result, Ashley has decided to exchange the pieces of furniture as well as refund any interest that we paid on the account ( see attached ). However, in order to refund the interests, Ashley needs written proof of the interest paid to date. Accordingly, I requested this information from Synchrony in XXXX but nothing was done. I reached out to Synchrony again on XX/XX/2020 and was told that I would receive the information via mail within seven business days. To date, I have not received the requested information, and I continue to pay interest on the balance on the account. Further, This balance is not valid ( as evidenced by the attached letter ) since I never received what I paid for.

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 2020-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had sent 2 wire-transfer over the wells fargo app on XX/XX/XXXX and XX/XX/XXXX. total {$10000.00}. 

The receiver never receive the money until todayXXXX ). 

I called the wells fargo on XX/XX/XXXX and filed a claim. they said they will give me an answer in 10 business days but they never did. 

I called today and they can't give me answer about where my money is.

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 2020-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This is my final attempt at fixing errors Transunion refuses to correct on my consumer file. Transunion has a well-documented history of mishandling public records ( See Clark v. Trans Union LLC, Case No. 3:15-cv-00391 and Anderson v. Trans Union LLC , Case No. 3:16-cv-00558, both in the U.S. District Court for the Eastern District of Virginia ) . Transunion is also known for their haphazard method of safeguarding consumer records, going as far as to label innocent consumers terrorists ( McIntyre v. TransUnion, et al., Case No. 2:18-cv-03865, in the U.S. District Court for the Eastern District of Pennsylvania. ). Moreover, Transunion has a storied history of failing to properly investigate and notate credit report errors on my credit report as evidenced by the countless times I have had to correct errors with them since 1992

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 2020-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
this debt is not mine this account was my x husband and this was his account I'm not the main signer on the account and we are now divorced after 7 years this is his account not mine and I have documentation and have proven this time and time again they took it off once and its back on again. this needs to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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: NV

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX {$800.00} XXXX XXXX XXXX  XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX   XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$9800.00} XXXX XXXX {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Credit Management, Inc
State: TN

Complaint narrative:
XXXX XXXX sent a bill for collection which had already been paid by insurance. I have called them multiple times to no avail. The 3 credit reporting agencies are still reporting the original billed amount ( {$280.00} ) dollars even though I have sent them the XXXX  from the insurance company that included the check # and the date they paid it. They simply will not remove it and state that this isn't sufficient evidence! 

original creditor : XXXX XXXX XXXX I am enclosing 2 screenshots which show the Explanation of Benefits and the amount the insurance company paid and the check number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
On XXXX XXXX, 2020, I received a court notice stating the plaintiff, XXXX XXXX XXXX XXXX Assignee of XXXX, voluntarily dismissed the garnishment of my wages without prejudice. I then received another notice from the plaintiff on XXXX XXXX, 2020, that garnishment would resume. They failed to include the defendant 's claim form for me to formally reply to. I emailed Cooling and Winter on XXXX XXXX, 2020, and respectfully made them aware that I am seeking representation from the Attorney General 's office in regard to the class action lawsuit against XXXX for fraudulent loans. I did not receive any response to my email, yet they have already started garnishing my wages yet again for a vehicle  that was REPOSSESSED MORE THAN 10 YEARS AGO!

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 2020-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I did a random credit report pull from XXXX. I noticed multiple fraudulent accounts were reporting on my personal credit report. I have never opened any of these accounts and I have tried multiple times to contact the credit bureaus to resolve this issue. We are still in contact the credit bureaus to resolve this issue to no avail. We are still in contact with these companies to have this false information and fraudulent accounts off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My mortgage was transferred from one company ( XXXXt ) to TIAA Bank. I have 2 complaints : 1. I was not given sufficient notice of the transfer. I received notice by letter less than 2 weeks prior to the  next scheduled payment date of my mortgage payment. As I travel a lot, this meant that my automatically scheduled payment to the prior mortgage company was rejected, and my mortgage went unpaid until I returned home and saw the letter. I do not know who is responsible for notifying me of the transfer, so I'm not sure if this complaint is against XXXX  or TIAA, but I assume TIAA ( the new mortgage company ). 

2. TIAA bank has deficient online access to my mortgage. I constantly receive error messages when trying to set up online access to my account, and am still unable to do so. I have spent hours on hold with the company trying to reach a human, and often give up after hold times of over 2 hours. I have tried calling on multiple days, at different times ( but always during business hours ). 
Last month, I finally talked to a human representative who assumed me, after over 3 hours on the phone, that she's resolved the problem and i would have online access within 48 hours. This turned out to be false. I reached someone today ( XX/XX/XXXX ), who told me the exact same thing the last person did - that she'd fixed the problem and I would have to wait 48 hours before possibly getting access online. However, this means that I won't have access until one day AFTER my payment is due. The failure of their systems and extreme difficulty in reaching a human to talk to is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
an auto lone from Regional Acceptance corp. The car was totaled in 2018 and paid off buy insurance. I have spoken with the finance company, they are saying I have had deferred payments on this account but when I ask for proof of the deferred payments or conversations about these payment they refuse to furnish to me proof of debt and I would there for like this removed from my credit of I would like the credit to provide valid proof of debt or remove from my credit. I have been asking them and the company that represents them to research and provide proof for a few years now and they refuse to provde the proof.

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 2020-09-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Choice Recovery, Inc.
State: NY

Complaint narrative:
choice recovery trying to exploit money for XXXX XXXX  for XXXX  which wasnt paid because XXXX XXXX  failed to do the job on retaining a XXXX condo  which my new attorney retained. i fired XXXX XXXX  for not doing the job.XXXX  wanted me to sign a quit deed with a practice manager as my attorney. my new attorney is seeking legal action against choice recovery and damaging 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 explanation
Consumer complaint received 2020-09-30 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: NV

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX  XXXX {$800.00} XXXX  XXXX XXXX  XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX {$4000.00} FIRST XXXX XXXX   XXXX {$1600.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$9800.00} XXXX XXXX {$3900.00}

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 2020-09-30 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: NV

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXXXXXXXXXX  XXXX {$800.00} XXXX  XXXX XXXX  XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX  XXXX XXXX   XXXX {$1600.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$9800.00} XXXX XXXX {$3900.00}

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 2020-09-30 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: GA

Complaint narrative:
I sent certified letters to Experian and XXXX XXXX disputing an account they are reporting on my credit report, I asked for proof/verification, copy of the contract or signature of the account, none of which was provided, this is not my account and I would like them to provide me with proof of this unverified account and why they are reporting this on my 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 2020-09-30 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: Synovus Bank
State: WA

Complaint narrative:
I made overpayments to me secured card hoping to increase my credit limit. They company claims to have refunded me but I have never received any repayment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/XXXX, I contacted Synchrony bank regarding my paypal credit account for settlement. The amount I owed was {$4200.00} and the bank agreed to settle my account for {$2100.00} in 3 payments : 1 ) {$700.00} due by XXXX/XXXX/2020 2 ) {$700.00} due by XX/XX/2020 and last payment should be processed on XXXX/XXXX/2020. I made 2 payments out of 3 payments ; I made my first on XX/XX/2020 and second one wasn't made on time because the bank told me that they made a mistake on the second payment process and they apologized to me for that mistake and it was processed on XXXX/XXXX/2020. 

So, today when I called the bank today, XXXX/XXXX/2020, to process my last payment, they refused to process it. They said to me that my account was defaulted because the second payment wasn't processed on time. At first, I believed it was a joke because I personally called the bank 3 times on the second payment when I didn't see it posted on my account and it was the same thing that they ' ve made mistakes during payment process and they knowledged that they had used different method to process the second payement and my bank had rejected the payment. Honestly, don't know what they kind of method it was ; I have idea. Once again, the bank apologized to me on the phone for the mistake they made and they told me to call on XX/XX/2020 to make final payment. 

Surprisingly, today they rejected my last payment because of the mistake they made themselves. Insistead to accept, they offered me a new settlement proposal and I accepted to listen that proposal and she hang up on me. So, I called them back and it was another agent ; she said to me that my account is under review. I don't know what she means by that. 

Please! CFBP help me. This thing has to stop.

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 2020-09-30 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: PA

Complaint narrative:
I had 2 accounts with XXXX XXXX XXXX. Both accounts were paid off in full XXXX balance on the 1 on XXXX XXXX 2018. The other account was paid in full XXXX balance on XXXX XXXX 2018. Company had reported to all 3 bureaus on XX/XX/XXXX to XXXX XXXX 2018 that accounts had XXXX balances and accounts reported being closed XX/XX/XXXX to XX/XX/XXXX 2018.Which was correct and accurate. They then reported XXXX that both accounts still had original balances and I was hit with missed payments late fee 's on both accounts. this dropped my credit down 200 points. I have my receipts of payment made in full and lien release paper and title to my vehicle witch was used as collateral. I had submitted numerous disputes with all 3 bureaus. to the extent of physically mailing in everything I'm going to attach to this. Contacted the company numerous times to. They tell me they never got paid. Which is a lie thank goodness for receipts when payments are made. Cant prove they received cash without them! They change there story all the time to. Never the same dates amounts complete bogus. They refuse to remove this from my credit along with the 3 bureaus. Showed the company copies of my receipts they refuse them how's that even possible? Then the posted amounts taken from my bank account. Still not good enough. there monthly billing statement reflecting the XXXX balances still not good enough. I got nothing else to show or prove..

Company response to consumer: Closed with explanation