vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2020, I received a letter of false and misleading information. The letter stating : Activity on accounts with Synchrony bank indicative of high risk of failure to pay. Synchrony bank has decided to close your account. '' I called Synchrony bank at XXXX the first rep was a female which did a COLD transfer to the Fraud department. A man for the Fraud department gets on the phone " You can hear his children screaming and yelling in the background. '' " A female in the background yelling, " ****x***. '' I was then cold transferred to another guy that was RUDE telling and put me on HOLD for more than 10 minutes while, he finishes his breakfast and cleaning up. ( ( ( ( ( I don't have bad credit or no indication of bad credit.. SYNCHRONY IS LYING AND Their system does not allow me to pay my credit card over the phone only in the store. Now, since, Synchrony has lye and closed my account under false pretenses and their agents are totally RUDE ... The supervisor refused to get on the phone and I request for the agent to file

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 2020-08-29 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: LEXISNEXIS
State: AR

Complaint narrative:
XXXX  DATA BREACH HAS CAUSED PUNITIVE DAMAGES TO MY LIFE BY ALLOWING SOMEBODY PURCHASE HOME AT XXXX XXXX XXXX IN XXXX XXXX TEXAS XXXX AND KEEPS REPORTING IN XXXX  NEXIS LEXIS AND XXXX  DATA BASES THIS IA FRAUDULENT PROBLEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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:
Information on credit report is unverified misleading and inaccurate.

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 2020-08-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: Motolease, LLC
State: FL

Complaint narrative:
Hi my name is XXXX XXXX, I purchase a used XXXX XXXX from a Dealer and the Financial institution that I use for the lease is MotoLease I was already approve for other motorcycle but end up finding a one of my dreams so I decide to ask Motolease to finance the XXXX. i contact them with the owner of the XXXX who has a dealer. I give the dealer {$1500.00} cash because they where selling me the XXXX for {$9600.00} and with the dealer fee, registration and plate well they say the you will finance {$9000.00} and the contract that I saw and sing was for 3 years or payoff {$9000.00}. OK, like a week ago I received a notification about my credit report when I look up its says New MotoLease auto loan well I fallow the steps and when in to that exact report and read that MotoLease Loan is for {$18000.00} the double of the price and the contract that i sign. i call them they says they have the contract sign but Im sure I read what the dealer guy print and there was nothing about % 100 interest and the lady who answer my call say that it was base on my credit and my credit by the time was XXXX fico score. I tell her no body will accept that deal if knowing that the bike worth half of the loan they make. So what I want here that they do a fair deal because these is abusive and {$18000.00} 5yrs is ridicules fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
My XXXX check was three days. Usually when my check comes on time, I transfer {$300.00} from my local credit union to cover my ACH automatic with drawls. There is a claim that the US Postal service is late delivering the mail these days, but USAA refuses to acknowledge this as a reason to refund my ACH fees. That's because I am the only person having this problem. I have been making complaints against my local sheriff 's department for unlawfully arresting me and making me a prostitute, and telling on the man that illegally brought me up on a charge that put me in prison and jail, several times. In 2018, USAA did not pay my car payment and cancelled my car insurance, well made it necessary to cancel it. It is no just USAA, but XXXX and XXXX and XXXX, I have filed complaints on them all. I want arbitration, and a chance to allow a mediator to help solve this problem, because it is not my fault. I have no control over when my check comes, especially if people in high places are causing it to be late, because I won't prostitute for  them!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HCFS Healthcare Financial Services of TeamHealth
State: RI

Complaint narrative:
I am getting calls from a debt collector that is not registered to collect debt in the state of Rhode Island. The name of the debt collector is Healthcare XXXX XXXX XXXX XXXX XXXX ( HRRG ). I sued HRRG in XXXX for attempting to collect debt without a registration in Rhode Island so they know their behavior is wrong. For over 10 years, HRRG has attempted to collect debt in Rhode Island without a registration and that is literally a crime here. I started getting calls in XX/XX/XXXX from HRRG. These calls were robodialed to my cell phone. I don't owe HRRG any money, so I sent them a certified letter, return receipt requested in XX/XX/XXXX and in my letter I told them, " Please don't call me ... .you have the wrong number. '' HRRG kept calling me after they signed my letter. HRRG responded to my letter and demanded my credit report! It is ridiculous for a criminal like HRRG to demand a credit report from me when I told them that they have the wrong person and to leave me alone.

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 2020-08-29 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: GA

Complaint narrative:
I have tried to dispute an item on my report with XXXX and they will not delete or make appropriate corrections to the report. The account is closed and part of a CH XXXX this is an unsecured debt and they are subject to an automatic stay which means they are not supposed to be making changes to the account on my report after file date. My CH XXXX has been in effect since 2019 and they have since changed the account to an open status and have been reporting late payments across all 3 bureaus. This violates the FCRA and my automatic stay. I want this account deleted from my report or I will be seeking assistance from an attorney and punitive damages for defamation. 
I have requested my personal statement be deleted from my XXXX   report multiple times and everytime I review it over the last few months it is still showing on my 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 non-monetary relief
Consumer complaint received 2020-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EAST WEST BANK
State: CA

Complaint narrative:
. I recently applied for a no cash out refi owner XXXX with a LTV of 15 % and XXXX XXXX. 
First they send docs for their portfolio program which was not the product I requested. I wanted a fnma 30 year fixed. I am self employed with rentals. My income was MORE than sufficient to support the payment. I would be lowering my payment form {$1600.00} to $ XXXX monthly. I provide more than enough information to qualify. I was actually prequalified by their rep. The underwriting is terrible they do NOT know XXXX XXXX guidelines. The do NOT ask questions if they don't understand something in your file. They are DISCRIMINATORY towards XXXX-XXXX clients. They sent me a denial letter based off an assumption without bothering to ask for for a letter of explanation. The denial letter did not provide the explanation that they provided to my rep. The denial letter was vague. I NEVER received a list of conditions had I done so the issue could have been resolved. The underwriter was wrong in restarts to my ownership of a rental property because she did not understand what a trustees is or various titles in which real estate can be held. Had they asked they would have seen the underwriter was totally incorrect. You do NOT make decisions on a borrowers loan based income off what you think you ask questions. When I offered to correct the underwriter I was told my rate expired and I would need to reapply at the higher rate or apply for their portfolio loan. XXXX their portfolio loan with the higher rate. That's what they were pushing me towards from the beginning.Why would I do that with more than sufficient income and excellent credit and a {$160000.00} loan on a {$620000.00} home. I also have more than enough reserves in my bank 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 2020-08-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Yes on my Walmart card. List it back on XX/XX/2019. They sent me replacement. Card. But clised my account hurt my credit report. Like too see if I can get closed account deleted. Was nit my fault. They should correct too all 3credit bureaus. I'm.on XXXX going thru hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GreenSky, LLC
State: CA

Complaint narrative:
I contacted green sky when COVID-19 affected my income. I was granted a forbearance, and upon the end of they I contacted green sky to let them know my heart ship. They said they can and will work with me on obtaining one payment. I borrowed the monthly payment they asked for, made the payment, and the forbearance was never granted. They only applied my previous forbearance as late payments to my credit file and add late fees to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: LJ Ross Associates
State: CT

Complaint narrative:
This XXXX XXXX agency has said this dept is mine and it is not, they say they verify its mine and they have not. I have disputed this on my XXXX credit report and this collection agency said its mine so XXXX told me they have to say its accurate because this agency says it is.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I received a letter of false and misleading information. The letter stating : Activity on accounts with Synchrony bank indicative of high risk of failure to pay. Synchrony bank has decided to close your account. '' SYNCHRONY IS LYING AND Their system does not allow me to pay my credit card over the phone only in the store. Now, since, Synchrony has lye and closed my account under false pretenses.

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 2020-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I obtained a loan for a new car in XX/XX/XXXX. I strongly believe this was a predatory/subprime loan. I defaulted in XX/XX/XXXX. During a collection call in or around XXXX XXXX I explained that I was awarded a settlement and was awaiting a check at which time I would pay all back balances. I also explained that things were backed up due to Covid and judicial and insurance offices being closed. 
I received my bill that month and my account status states it is past due as expected, it now reflects current. It has never reflected written off. On XX/XX/XXXX I went online to make a payment and the system would not permit me to. I called XXXX XXXX XXXX to troubleshoot the issue. Only at the time was I informed that my account had been written off. I was told my account had been written off on XX/XX/XXXX and the only options I had were to keep the written off car and continue paying or do a voluntary surrender of the vehicle. My car has never been repossesed. I am and have always been in possesion of the vehicle. 
On or about XX/XX/XXXX I called XXXX XXXX XXXX 's collection department and was told there was no record of my account being in collections. In following days through back and forth with customer service I learned that my payment was accepted on XX/XX/XXXX but they also reported me to the credit bureaus on that very same day. 
I have been trying to seek remedy with XXXX XXXX XXXX and have this write off removed from my credit as a write off is done implying that the lender does not not ever expect to recover funds from borrower. They have collected all funds and again the only reason the 180 day rule for the write off was able to expire was due to COVID situations that were completely out of my control. 
I spoke to XXXX employee number XXXX on XX/XX/XXXX and he stated XXXX XXXX XXXX is absolutely not going to remove the write off 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 2020-08-29 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: NY

Complaint narrative:
I obtained a loan for a new car in XX/XX/XXXX. I strongly believe this was a predatory/subprime loan. I defaulted in XX/XX/XXXX. During a collection call in or around XXXX XXXX I explained that I was awarded a settlement and was awaiting a check at which time I would pay all back balances. I also explained that things were backed up due to Covid and judicial and insurance offices being closed. 
I received my bill that month and my account status states it is past due as expected, it now reflects current. It has never reflected written off. On XX/XX/XXXX I went online to make a payment and the system would not permit me to. I called XXXX XXXX XXXX to troubleshoot the issue. Only at the time was I informed that my account had been written off. I was told my account had been written off on XX/XX/XXXX and the only options I had were to keep the written off car and continue paying or do a voluntary surrender of the vehicle. My car has never been repossesed. I am and have always been in possesion of the vehicle. 
On or about XX/XX/XXXX I called XXXX XXXX XXXX 's collection department and was told there was no record of my account being in collections. In following days through back and forth with customer service I learned that my payment was accepted on XX/XX/XXXX but they also reported me to the credit bureaus on that very same day. 
I have been trying to seek remedy with XXXX XXXX XXXX and have this write off removed from my credit as a write off is done implying that the lender does not not ever expect to recover funds from borrower. They have collected all funds and again the only reason the 180 day rule for the write off was able to expire was due to COVID situations that were completely out of my control. 
I spoke to XXXX employee number XXXX on XX/XX/XXXX and he stated XXXX XXXX XXXX is absolutely not going to remove the write off from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX supposedly runs a collections agency. This collections agency is inaccurately reporting an account on my TransUnion credit report. I am unable to have this item removed from my reports since evidently as a lawyer who runs a collections agency they therefore are immune from liabilities simply may only " validate '' the information they provide to a credit bureau.

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 2020-08-29 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: GA

Complaint narrative:
I have tried to dispute an item on my report with XXXX and they will not delete or make appropriate corrections to the report. The account is closed and part of a CH XXXX this is an unsecured debt and they are subject to an automatic stay which means they are not supposed to be making changes to the account on my report after file date. My CH XXXX has been in effect since 2019 and they have since changed the account to an open status and have been reporting late payments across all 3 bureaus. This violates the FCRA and my automatic stay. I want this account deleted from my report or I will be seeking assistance from an attorney and punitive damages for defamation. 
I have requested my personal statement be deleted from my Equifax report multiple times and everytime I review it over the last few months it is still showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2020 I sent a letter to Macys for acct XXXX asking them to send me proof of signed agreement and/ or payment histroy. 

I received a letter in the mail from them stating that they information they reported was correct. They verified the information to the bureau but did not send me what I asked for to verify it to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: CT

Complaint narrative:
I refinanced my home in XX/XX/2020 and Paramount Residential Mortgage Group took over my mortgage. PRMG was supposed to manage my escrow account and make payments for my property taxes and homeowner 's insurance ( XXXX XXXX ). I have documentation from my attorney who closed on the house verifying this. PRMG failed to pay my homeowner 's insurance causing me to receive a letter from them stating my insurance was expired. The payment should have been made in XX/XX/2020. I was given only a few days extension to get them payment so I do not lose my insurance coverage. I called PRMG 11 times, spoke to at least 6 different representatives. I was told multiple things that " I need to do '' even though the mistake is theirs. No one was able to help me, and I was constantly transferred and hung up on for no reason. The issue is still not resolved and I am worried about losing my insurance. This has caused me unnecessary XXXX and XXXX. The fact that no one can help me at the company is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
I sent out a certified validation letter on XX/XX/2020 they received it on XX/XX/2020. i asked to validate i have not receive no correspondence.

Company response to consumer: Closed with explanation