vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Recently, in XXXX of this year, my wife and I paid off over {$10000.00} in credit card balances, in doing so my credit score went for XXXX to XXXX, with no other items being reported on my credit score. I contacted XXXX directly, and after spending 30 minutes on the phone, and suppling every possible piece of personal information to them to verify my identity, I was informed that their verification process failed and I was REQUIRED to submit my identification in writing???? All this before they could tell me why my credit score tanked after paying off 4 credit cards? XXXX  is holding my credit hostage for no reason and have made it impossible for me to make corrections or have questions answered in a fair and timely fashion.

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 2020-02-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I had an IRA account in Synchrony Bank. In the middle of the year ( XX/XX/XXXX ) and after the IRA certificate of deposit expired, I asked them to wire the IRA money to XXXX XXXX XXXX XXXX XXXX. I am not aware of words as distribution or rollover. I explained to Synchrony Representative that I am opening 5 Years CD with the XXXX XXXX  XXXX XXXX XXXX and the need to wire the money to this credit union as a continuation of the IRA. The Synchrony Representative asked me to sign the paper and make edits along the way and indicated that they are wired the money to XXXX XXXX  XXXX XXXX XXXX. In XX/XX/XXXX, Synchrony bank-issued 1099R under distribution. The representative XXXX indicated that she is willing to fix it at the beginning of the phone call, but she changed her mind within seconds during my phone call with her on XX/XX/XXXX. She said if the XXXX XXXX  XXXX XXXX XXXX indicated that THE IRA was a RollOver, She will fix the 1099R. Later on the same day, I received a call from XXXX XXXX who is working In Synchrony and refused to change the 1099R to Rollover. Synchrony Bank is punishing customers who end the relationship with their bank. The transaction should be done as a custodial transfer and not as 1099R with the distribution.

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 2020-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I have disputed the claim that I missed ( 2 ) two payments back in XX/XX/XXXX to PHH Loan Servicing and they continue to to tell me that I missed the payments. When I discussed thoroughly my payment history which showed no missed payments ; they insisted they are right. I have proven documentation that no payments were missed but yet they are reporting me late and insisting I bring the account up to date now in XX/XX/XXXX. I asked why was this not brought up then, and they respond by reading a script with no answer. This is a foreign operated company who has little information about our laws, state laws, real estate laws, your loan and so forth. But yet has the power to discredit you by the means of your home investment. I have asked for a review and proof of missing payments ; and they send me a copy of the pay history so small I believe it would be a less than 6 font! Since I already had the information to prove other wise ; they failed to acknowledge and insist they are right ( even when I went over the payment history line for line ). I have tried to reach the company by the listed address in NJ, but only get a response from the over seas division of operation who has no clue as to what to do. All they want to do when calling is set up appointment dates to kick the can down the road. This is a major problem, I feel like I am being extorted for my house! I have looked into multiple ways of dealing with this issue and taking advantage of all that's available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: GreenSky, LLC
State: MI

Complaint narrative:
Recently I contacted Greensky/XXXX  XXXX/XXXX  XXXX XXXX. For months I've been attempting to get this matter of a negative impact of 70 pts ( one year later ) XX/XX/XXXX resolved. This matter has been disputed with XXXX/XXXX/XXXX. The account was closed by grantor XX/XX/XXXX by grantor due to delinquency/non reporting. XX/XX/XXXX creditor reported payment reversal indicated by R03 ( reversal ). The creditor 's payment portal auto-populates my banking information, however on this date it did not, therefore an error on their system. This created late payment notifications, however I was never late until an unforeseen circumstance XX/XX/XXXX. If not for the payment portal issue, the unforeseen circumstance would not have occurred. Greensky continues to hold me accountable for their payment portal error. 

I am requesting that Greensky immediately restore 70 pts to my credit score, report condition as open and correctly report to this account.I have never been late on payments. I continue to make on time payments. 

Representatives indicated that the reasons to close this account, 1 )  purchase window expired/no longer eligible for purchases, and 2 ) late payments. Neither of the reasons makes sense. Opening this account with XXXX XX/XX/XXXX only for home improvement and no other purchases were intended. This account was given to Greensky as a servicing agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: IL

Complaint narrative:
There are two debts collectors ... XXXX XXXX & XXXX appearing on my credit file.I have never been involved with ANY of the businesses with whom theyre representing.This unfair and ill-waranted activity is causing extreme harm to my credibility as a consumer.I have reached out to all relevant individuals with no success.I appreciate your assistance in this matter.

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 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I received two letters from XXXX XXXX with notifications that I was deceased. I called them and spent over a hour on the phone trying to correct their mistake. The follow day I received a email from Experian alerting me that my social security number was linked to a deceased person. I attempted to call the number on the email and even attempted another number located on their website/membership contact us page. After multiple failed attempts to make it through their automated system i would like to file a complaint, I am unable to correct this information with them because at no point in their automated system can you, or does it give you the option to speak to an actually human being. This entrain situation has delayed my potential to enlist in the military and had potential ramifications on my credit and other areas of my life if I can not get it resolved. And I am unable to do so because of the inability to actually get into contact with anyone from that credit reporting agency.

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 2020-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I am a victim of identity theft and there are accounts that i have disputed with the companies and credit bureaus by sending in my fraud packet that included my FTC Report, Police Report, FCRA, Credit Report, etc. The accounts are attached. XXXX XXXX, Bridgecrest, and XXXX XXXX original credited XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a pending case. However, the issue was that the information on my credit report was incorrect. 

According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. 

My original letter was dated XX/XX/XXXX, with Equifax reported receiving on XX/XX/XXXX. As of today, XX/XX/XXXX, Equifax has not completed the investigation within the 30 day time frame. I originally filed a dispute with cfpb on XX/XX/XXXX, which was 48 days past the date Equifax reported receiving the dispute from me. 
I am requesting that the negative listing being disputed from XXXX XXXX XXXX be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2020-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
On XX/XX/2020 I mailed a second letter requesting that my debt with the company above be validated. I have no knowledge of this debt.The creditor provided me the attached information. They have refused to provide me an agreement between them and their client that identifies that they have the authority to collect this alleged debt or proof of acquisition by purchase or assignment of alleged debt. They have not provided an agreement that bears my signature wherein I agreed to pay the health care provider along with the required HIPAA authorization. 

The attached has information that is a VIOLATION of HIPAA because i have never given SIGNED authorization to Transfinancial Companies to gain access to my health records. The attached includes diagnosis codes and procedure codes that is a direct violation of my HIPAA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: URS Holding, LLC
State: NC

Complaint narrative:
I got this loan in XX/XX/XXXX and I am being contacted by a debt collector being Alltran Education Inc., I informed them that I will pay my loan balance of {$4200.00} but they are refusing to accept that amount and instead are trying to collect {$13000.00}. They have also placed me under garnishment and has taken my XX/XX/XXXX tax return which was about {$1200.00} but the balance was not reduced. I have contacted them to requested a settlement and that the garnishment be removed and they are refusing and offering me a payment of {$400.00} per month for 10 years. This debt is more than 20 years old and at this point I want the garnishment removed and the debt to be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I tried making a dispute with the credit bureau about this account on my file. 
With no luck. I now turn to you to assist me validate this debt collector and any legal obligations I have to this account. 
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Debt Validation Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX WA XXXX XXXX : Account # XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

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 2020-02-10 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: NJ

Complaint narrative:
Related complaint # XXXX XXXX XXXX XXXX has replied to my complaint by stating that they will no longer report this item on my credit report. They have however notified me that it will take 60 days for the credit bureaus to update their records.

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 2020-02-10 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: NJ

Complaint narrative:
Related complaint # XXXX XXXX XXXX XXXX has replied to my complaint by stating that they will no longer report this item on my credit report. They have however notified me that it will take 60 days for the credit bureaus to update their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: NJ

Complaint narrative:
Prior complaint # XXXX My previous complaint resulted in XXXX XXXX XXXX replying that they will notify the credit bureaus to delete these items from report but it could take 60 days for them to update their records.

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 2020-02-10 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: AES/PHEAA
State: VT

Complaint narrative:
Last XX/XX/XXXX I learned AES ( XXXX XXXX XXXX ) reported my student loan account XXXX days late, yet they also reported it as " Pays as Agrees ''. I immediately called AES to find out why they falsely reported my account as being late causing my credit score to drop by over 100 points. I filled out 3 disputes with AES and have been in constant communication with them for the last 13 months to have them fix my account. They it corrected through XXXX, but not XXXX. 

AES agrees I have never been late, yet they are giving me the run around and havent fix my credit report. They provided me with an email indicating Ive never been late and am actually 4 months ahead on my payments. On XX/XX/XXXX XXXX XXXX # XXXX said she was able to update my account showing everything is current and I was never late. She advised me that it would take 30-45 to show up on my XXXX  credit report. I called on XX/XX/XXXX and spoke to XXXX XXXX # XXXX and she verified everything was current and updated. 

I applied for a loan on XX/XX/XXXX and was told I didn't qualify for the best interest rate because my XXXX credit score was low showing I was 90 days late for two months on my student loan. I have been trying to resolve this for 13 months and am beyond frustrated. AES is requesting that I fill out more paperwork. I've done this 3 times already. Doing the same thing over and over again and expecting a different result is insanity. How can a financial institution be allowed to mess up my credit for over 13 months causing me to pay higher interest and not have to fix it? This should be illegal and AES should be held accountable and at the very least they should fix my XXXX  credit report. Please have them correct this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
This is a complaint against Lia Motors Finance c/o Hyundai XXXX XXXX XXXX 
1 ) I have received a bill for {$16.00} for a violation but no one can give me documentation of what it is for. There are no documents scanned into my account for more information. I was told in XXXX  I would be sent a statement showing what its for. Now They are saying my account will go to collections. Ive talked to a supervisor who claimed to escalate my complaint but when I call back in a few days nothing has happened. 

2 ) Now I am also facing a {$25.00} late fee for a toll violation ( different violation ) I incurred when my XXXX XXXX didnt not read properly. Hyundai leasing did not pay the {$5.00} toll within 31 days so I was charged a late fee of {$25.00} bringing it to {$30.00}. Now Hyundai is saying I owe {$30.00} on top of the other mystery fee. I have proof the first violation notice for {$5.00} went out on XX/XX/19 from the toll company. 

This company also lost a {$670.00} personal property tax refund check from my city and it took 4 months of back and forth with them to have it applied correctly.

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 2020-02-10 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: MA

Complaint narrative:
I have been a Capital One credit card holder for at least two years. I opened this account as my first credit card when I was in my final year of college. I believe it was, at once point, associated with my status as a Student. I am 13 months out of college at this moment and have almost always ( at least for the past 12 months ) paid the complete amount on time. I have never spent over my limit ( or even come close ) or been more than a few days late, if at all. In late XX/XX/XXXX/early XX/XX/XXXX I closed my checking/savings with a small local bank ( Institution for Savings in XXXX, MA ) and opened a new checking/savings account with XXXX XXXX. I immediately linked this account to my Capital One account so I could continue paying my monthly credit cards bills on time. Unbeknownst to me at this time, the XXXX XXXX account was somehow not added to my Capital One account, but instead a XXXX XXXX XXXX account was added. I do not currently nor have I ever had any kind of account with XXXX XXXX XXXX. I do not know how this account was added. I did not consciously done. Because this account, not my XXXX XXXX account, was added, the auto-payments from XX/XX/XXXX and XX/XX/XXXX defaulted and did not go through. As such, the account accrued both late fees and interest charges from both of these months. There was no effort made by Capital One to inform me of these default payments, despite 2 years of history and and an exceptional record of on-time payments. Today, I logged onto my mobile account and saw these fees and charges for the first time. Thinking it was a misunderstanding, I called the customer service number. They informed me of the XXXX XXXX XXXX accounts, which, as you can imagine, was a huge surprise to me. The company then led me on a 2 hour, 7 person, 2 dropped call goose chase to get answers. In the end, no one was able to help me. I am extremely frustrated and disappointed at the quality of customer service, inability to claim responsibility, and attitude with which I was treated.

Company response to consumer: Closed with monetary relief