vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have a Synchrony Bank XXXX that matures today, XX/XX/2019, and I notified Synchrony Bank by email on XX/XX/2019 that I wished to transfer {$5000.00} to my external account XXXX XXXX XXXX and the remaining balance to my Synchrony Bank XXXX XXXX XXXX account. I requested an acknowledgement to my email. The acknowledgement I received was not what I requested so I called, XX/XX/2019, and spoke with a banker ( female - did not get her name ) who assured me that the matter would be corrected and apologized for the thoughtless response. Today I checked my on-line account and the XXXX account had been renewed for another year. No transfers. I called Synchrony Bank renewal department, XXXX, and spoke with XXXX who apologized for the error and that it would be corrected with 3 to 5 days. I advised him that was unacceptable and I wanted it corrected within XXXX hours ; also, that I would be filing a complaint with the Consumer Financial Protection Bureau. This is not the first time that Synchrony Bank has tried to renew a XXXX for another year and disregard the customer 's written and verbal instructions as to how the account is to be closed.

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 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
experian credit, i have a fraud alert on my report and no phone number for vendors to call me to verify my application. My credit is been hard hit by XXXX 2 times on the XXXX and XX/XX/XXXX because of this, today XX/XX/XXXX i tried to open a bank account and same problems. 

From XXXX i call them and they said i have to fill out form online, they online process do no work, i had to print it and mail which i did on XXXX up to now its not done, i have called then XXXX times in the last XXXX week and still the problem not fix.

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 2019-07-18 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:
Please remove immediately information is unverifiable 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 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX - account number XXXX. ( Please see page 2 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX   and Transunion have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from 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 2019-07-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TIDEWATER FINANCE COMPANY, INC.
State: GA

Complaint narrative:
I have reached out to the Credit Bureaus and the Company TideWater XXXX back in XXXX about their inaccurate reporting to my credit they still continue to report negatively to my credit. They reporting that the amount is {$8600.00} on one credit bureau site then a total different amount on another. I have tried to get this situation handled with them ignoring my request over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I test drove this car for 7 days and sent it back and they still have this open contract on my credit report for a car that I do not own. And they verified my Dispute I did with the credit bureau as accurate and it is inaccurate. I do not own this car. Why is this still in 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 2019-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
I had an account with XXXX XXXX and something happened on their end where I had previously bought something and paid it off but the balance never got XXXX  out so for whatever reason something happened to the payments and I stopped receiving statements and I forgot about the account until my fiance bought me a bracelet from there for my birthday in XXXX. So when he went to make the payment in XX/XX/XXXX. I asked him to check what was going on with my account well there was still a balance so he paid {$60.00} and again XXXX made another payment little did I know the account got sent to collections in XXXX. They didn't tell us that when the payment was made not did I receive notice until after those payments were made so I thought I was current then I got a collection letter not only that but the payments we made didn't even get applied luckily I had my receipts so I disputed the letter and sent my receipts and I heard nothing from that company so once I got my taxes I asked what my new amount was so I could pay it off and they gave me the same price without my 2 payments we made at XXXX XXXX personally before knowing that account was sent to collections and I said no I want my money that I paid applied and then I was my payoff they told me they could not do that and the case was under investigation so I called every week on my day off for a few months and it was still pending investigation so I they told me I would receive something once the investigation was concluded so I stopped calling and I never got any notice the investigation was even over and I went to check my credit report and they put negative marks on my credit bad been charging me and adding interest for months and I have never got a call or a letter since the original letter notifying me that my account was in collections. And every time I did call and every person at that company was super rude I just wanted to pay my debt and get credit for what I already paid and they treated me like I was a criminal on trial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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:
Please remove immediately information is unverifiable on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: PNC Bank N.A.
State: TX

Complaint narrative:
The issue is with PNC Bank arbitrarily adding a comment to the credit bureau identifying my home as " Affected by Natural Disaster ''. When I called the Bank the employee notified me that this is simply a comment that they add when the area around a home has been affected by a Natural Disaster. This is an unfair practice and affects the value of a persons home. This is something PNC is doing to others and I feel that they are going to affect the home values of many people by doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: DE

Complaint narrative:
Monthly credit score has been in steady decline. I own no credit cards with any type of balance. Checked credit records and found a charge {$1000.00} with XXXX XXXX XXXX XXXX Creditors number XXXX XXXX XXXX Original creditor XXXX XXXX Original Account number XXXX Agency Reference Number XXXX Balance {$1000.00} I have never had a account of any kind with XXXX all of the listed information on the original account has nothing to do with me! Please look at my credit record I have nerve not payed a amount that I owe. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delaware XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Had a vehicle loan with Ally in early 2016 for a XXXX   XXXX. I entered bootcamp XX/XX/2016, prior to that had a billing issue with Ally which I was trying to correct with them. During the time I was in bootcamp, I received a letter from Ally notifying me of their intent to sell my vehicle, which they had repossessed over the {$250.00} billing issue. I have copies of the letter from Ally. In XXXX this year, I received a letter from Ally stating that the vehicle in question, had been " repossessed in error ''. They sold my vehicle and are billing me for the residual balance of the original loan. They sold my vehicle and repossessed in error and I should not owe them anything, they should owe me for the equity I had in the vehicle. I went to XXXX XXXX Assistance attorney who sent them a letter of representation and they have been avoiding sending the documentation he is requesting and not returning phone calls at all now. They have not sold this to collections, but the negative reporting is affecting my credit. I want this resolved and corrected.

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 2019-07-18 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: VA

Complaint narrative:
has contacted company several times and customer service would not help and take care of the negative inquiries reporting to your credit report. customer service is always rude and not helpful. 

XXXX XXXX XXXX via XXXX XX/XX/XXXX XXXX XXXX XXXX :XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/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 2019-07-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LEXISNEXIS
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington LexisNexis Consumer Center XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2019 XXXX : Unauthorized Bankruptcy Credit Reporting To Whom It May Concern : I recently received a copy of my credit reports. The credit reports showed a credit reporting by your company that I do not recall authorizing. Nor did the United States Bankruptcy Court verify or validating information from consumers ' credit files. understand that LexisNexis Consumer Center shouldn't be allowed to put an inaccurate inquiry on my file unless I have authorized it. Please have this bankruptcy reported be removed from my credit file because it is making it very difficult for me to acquire credit. 

I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized Bankruptcy reported be removed. 

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary. 

Thanking you in advance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: WA

Complaint narrative:
This company has been calling my cell number and home number for at least one year or more. When I answer the phone, I am unable to understand ANY of the representatives who I am talking to. All of the people who Ive spoken with do not speak CLEAR XXXX. It is very difficult to understand their words. When Ive asked to speak to a supervisor, they just hang up, every time! This last time today at about XXXX I called a number I found on XXXX for this company. I am concerned that they are not legitimate and just scammers of some kind.i told the person who answered if she did not get someone who could speak clear XXXX AND clearly identify the company name and address, I was going to file a complaint with The Consumer Financial Protection Services. She asked if I was a person named XXXX XXXX. I said no and she said they would stop calling. They have been calling XXXX, XXXX and XXXX. I doubt they will comply. I have repeated told them to stop calling, blocked every number they use to call me. By the way, through all the calls they have made to me, only the last person I spoke to asked if I was XXXX XXXX, who they were trying to reach.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I made a transfer of {$100.00} from my XXXX XXXX XXXX checking account to my Simple.com ( Banking Services provided by BBVA USA ) checking account. The funds were debited from XXXX XXXX on XX/XX/2019. The transaction showed up under " Scheduled Activity '' in Simple, with a note saying the funds " should deposit into Simple on XX/XX/XXXX. '' On XX/XX/XXXX, I checked my Simple account and noticed the funds were still pending and I did NOT have access to the {$100.00}. Yet, the funds are no longer in my XXXX account because Simple has taken the funds. I called Simple to understand why I didn't have access. The customer support agent was unsure and said he would file a Missing Credit Case.  However, he could not give me a timeline as to when the funds would be retrieved. In short, {$100.00} has been taken from me, I don't have access to the funds, and the bank that took the funds can not tell me when or how I'll get the funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: TX

Complaint narrative:
I have ( XXXX XXXX hard inquiries from Syncb XXXX XXXX cards/airlines on my credit report. From XXXX & XXXX. Ive never heard of that business name & have no recollection of what these could be for. I do not own a credit card either. I can not find the proper number to call for this business. Some reviews say its a bank and other a department store. Hoping to get this resolved.

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 2019-07-18 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
I am requesting for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that Avio provides me with competent evidence that I have any legal obligation to pay them. I am asking the Avio to please provide the following:1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my " WET '' signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5.  Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. If proper validation of the alleged debt can not be provided, I demand Avio immediately delete and completely remove this alleged account from my credit file with all three credit reporting agencies ( XXXX, XXXX, and XXXX ). I also demand that the XXXX XXXX XXXX agrees to have no contact in any form with me regarding this alleged debt now or in the future. Lastly, I demand that Avio agrees to remove my personal information from all accounts in its companies database.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: CA

Complaint narrative:
My loan was transferred to Selene Finance from XXXX XXXX. I didn't know who the loan was transferred to until XX/XX/XXXX. I started to make payments only to find out that the loan was in collections. After numerous phone calls I was able to speak with XXXX XXXX of Selene Finance. I was able to obtain a modification in XX/XX/XXXX from XXXX. I was asked to pay {$6000.00} up front and then $ XXXX monthly until XX/XX/XXXX, to make the account current. I paid amount requested. In XX/XX/XXXX, I spoke with ( XXXX, supposedly person now handling loan ) to ask if there was a grace period with the loan modification and was told that, " as long as I paid by the end of each month there was no late fee and the modification will remain. '' " I was also informed that starting in XX/XX/XXXX if the loan was paid after the XXXX of each month I could incur a late payment. '' I made all payments before the due date. My husband was contacted by a XXXX XXXX on XX/XX/XXXX, who claimed to be the new representative on our loan and informed him that we were in default, and were four months behind ; after my husband explained to him that we have been making payments and had records, he said that they hadn't received XX/XX/XXXX or XX/XX/XXXX payments. Again my husband disagreed. XXXX then informed him they didn't receive XXXX 's payment. My husband again disagreed and reiterated to him our conversation with XXXX. XXXX told him to send him an email with the records from our bank showing payment and he would stop the default ; that email went out the same day to XXXX and XXXX 's Customer Service email. He also requested that we follow up in a couple day to ensure receipt. 

We ( my husband and I ) have made numerous attempts to contact XXXX, XXXX and XXXX the manager to no avail. We are sent to voicemail after being on hold for upwards of thirty minutes. I even informed their representative XXXX on XX/XX/XXXX, that I was recording our conversation and she refused to give me any information on my loan. 

On XX/XX/XXXX, a Notice of Default was sent that wasn't delivered until XX/XX/XXXX, and obtained from the Post Office by me on XX/XX/XXXX, threatening a payment of {$12000.00} by XX/XX/XXXX or the loan would be accelerated and go into foreclosure. 

Please also note that they are still saying that they didn't receive my XX/XX/XXXX payment. It appears from XXXX website that Selene Finance is a predatory leading company who successfully steals, lies and preys on homeowners by claiming non-payment for late fees and foreclosure, not answering phone calls and transferring loans to different representatives with conflicting information. They have an alert on their account with the XXXX confirming all of the above. 

Please help to regulate these predatory practices. 

Enclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hillcrest Davidson & Associates
State: OR

Complaint narrative:
On XX/XX/XXXX, I was lied to by salesman from XXXX XXXX XXXX who said they were from my alarm co. XXXX. I tried to cancel the contract within Or 3 day period but XXXX blocked our PH. # for 30 days. XXXX ( after being exposed on TV on XXXX. for their business tactics ) filed bankruptcy and changed their name to XXXX. The contract I signed had a provision that unless the company was notified before 30 days the contract would auto renew. I was sent a bill {$590.00} which was too high for the remaining term of the contract. In Ph. conversation with a company rep., the amount owing to XX/XX/XXXX was $ XXXXI sent my check for {$390.00} with a written cover letter ( written the co. bill page ) explaining that this payment completed our obligation for contract & noted same on check. I kept receiving due notices for an additional {$190.00} ( 4 mos. past the mo. contract. Numerous information on returned overdue copies elicited no response from XXXX. they have now hired a collection co. Hillcrest-Davidson . I will send in supporting information when I have a case #. Thankyou for any attention & support or advise you can supply

Company response to consumer: Closed with explanation