vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I received no less than 8 phone calls just over the weekend from this company. I work nights and sleep days. I missed 1 credit card payment ( which I will now no longer pay off, due to the harassment ) and I have received HUNDREDS of calls from Synchrony, which is beyond harassment, and many of those calls fall during no-call hours, such as Sunday morning.

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 2020-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Hi I deposited a check in my account on XXXX which was mailed to me by some one selling a product on him. 
right after I found that the check was bad and it got returned. 

Then the bank closed my checking account and reported me to checks system as a fraud for the crime someone else committed. I didnt. 
I was actually only the victim Bank of America and checks system have closed my account since XXXX Since that time I tried to open a bank account in other branches of different banks but I was still failed to open a bank account even in a different bank. 
I respectfully want from the esteemed organization to investigate and solve my problem by taking my negative points OFF from the checks system and ask Bank of America for not doing justice with me so Ill can open a bank account in a bank. 

Thanks

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 2020-06-15 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: PA

Complaint narrative:
XXXX- I have been a victim of identity theft and should be receiving free credit monitoring which XXXX has locked me out of my account, continues to solicit monthly payment of XXXX a month, reports inaccuracies on my credit report after several disputes and letters violating FCRA with no documentation of proof resulting from their investigations. I have tried calling numerous times resulting in no answer the numbers they have advertised. I have also used credit repair agencies and advice to follow from professionals and still have had no success. 

XXXX Continues to report inaccurate information on my credit report after several attempts to dispute. My credit score has increased due to good payment history. Between XXXX XXXX in one day my report showed a report of good payment history with the removal of an inquiry, and payment decrease which showed a increase and decrease in the same day of 57 points. On my trans union and XXXX reports my scores are in the XXXX range. XXXX continues to report inaccurate credit scores and accurate information. I have used professional services, sent several dispute letters, and questioned their violations of FCRA. They have not mailed me proof of any disputes showing signature and documentation, and have allowed changes to my account with incorrect updates, information from creditors harming my credit file. I am requesting a full investigation to their practices and would like to seek damages as a result to their practices.

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 2020-06-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian- I have been a victim of identity theft and should be receiving free credit monitoring which experian has locked me out of my account, continues to solicit monthly payment of XXXX a month, reports inaccuracies on my credit report after several disputes and letters violating FCRA with no documentation of proof resulting from their investigations. I have tried calling numerous times resulting in no answer the numbers they have advertised. I have also used credit repair agencies and advice to follow from professionals and still have had no success. 

XXXX Continues to report inaccurate information on my credit report after several attempts to dispute. My credit score has increased due to good payment history. Between XXXX XXXX in one day my report showed a report of good payment history with the removal of an inquiry, and payment decrease which showed a increase and decrease in the same day of 57 points. On my XXXX XXXX and experian reports my scores are in the XXXX range. XXXX continues to report inaccurate credit scores and accurate information. I have used professional services, sent several dispute letters, and questioned their violations of FCRA. They have not mailed me proof of any disputes showing signature and documentation, and have allowed changes to my account with incorrect updates, information from creditors harming my credit file. I am requesting a full investigation to their practices and would like to seek damages as a result to their practices.

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 2020-06-15 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: NY

Complaint narrative:
Under the law I hereby acknowledge that I am who I say I am in the compplaint and not a credit repair company or entity. 

It appears that Experian is currently reporting XXXX XXXX credit services as accurate. 

After reviewing my current credit report I've notice that their are no balance being reported on this account. A violation of FCRA rules section 1681.

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 2020-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Application for XXXX credit card declined, pulled credit report and found there was 1 negative account on my credit report. After further investigation it was discovered that the negative account was my Kohl 's credit card. Contacted Kohl 's to find out what had happened and they stated it was due to a late bill that was never paid from XXXX. I was unaware of any remaining balances on account as a payment was made on XX/XX/XXXX. Ten years I have been a card member with Kohl 's and have never had a late payment. Due to XXXX XXXX, I have been inside my residence for the time being and have not received any statements or bills in the mail regarding money being owed. Per Kohl 's Collection Dept. a letter was sent to my address that was returned. My mail is delivered to a mail receptacle in my neighborhood and there has not been any mail deliveries or notifications left at my door. On Friday XX/XX/20, I requested manager of Debt collection call me as I do not feel it is my obligation to pay late fees when no statements where ever delivered to my mailing address. I was told someone would call back within 24 hours. I did not receive any calls, emails, or text notifications of them trying to reach out to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-15 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items 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 2020-06-15 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items 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 2020-06-15 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
This Amex was opened during a time I could not have possibly opened the account. It was opened XXXX of 2016 when I was in confinement. I have documents proving my wherabouts which can prove I would not be able to open an AMEX. I paid the account a couple years ago, because a debt collection agency kept calling me and thratening to granish wages. I didnt know about the CFPB at the time, but I'd like this removed and rectified. Ducment included in trial paper work which shows I was in pretrail confinement as well as my sentence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-15 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: FL

Complaint narrative:
I was very upset when checked credit report and found out a few negative accounts. They are fraud and I never opened them before. Please see accounts belong and remove them as soon as you can. 

XXXX XXXX opened XX/XX/XXXX acc # XXXX XXXX XXXX opened XX/XX/XXXX Acc # XXXX XXXX opened XX/XX/XXXX Acc # XXXX I attached all documents what you need included Identity Theft 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 2020-06-15 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: FL

Complaint narrative:
I was very upset when checked credit report and found out a few negative accounts. They are fraud and I never opened them before. Please see accounts belong and remove them as soon as you can. 

XXXXXXXX XXXX  opened XX/XX/XXXX acc # XXXX XXXX  XXXX opened XX/XX/XXXX Acc # XXXX XXXX opened XX/XX/XXXX Acc # XXXX I attached all documents what you need included Identity Theft 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 2020-06-15 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I am contacting your agency for assistance in disputing several transactions on my AMEX card account ending in XXXX and XXXX. These transactions are a direct result of an online business opportunity where what I thought I was buying was grossly misrepresented. These companies worked together selling me various related products and services that have not been delivered as they were described. The charges that I am wishing to dispute are : XX/XX/19 XXXX   {$2500.00} AMEX XXXX XX/XX/19 XXXX {$59.00} AMEX XXXX XX/XX/19 XXXX {$1700.00} AMEX XXXX XX/XX/19 XXXX  XXXX   {$2600.00} AMEX XXXX XX/XX/19 XXXX {$3900.00} AMEX XXXX XX/XX/19 XXXX {$59.00} AMEX XXXX XX/XX/19 XXXX {$1700.00} AMEX XXXX XX/XX/19 XXXX XXXX  {$2600.00} AMEX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank issued a new card to another person using my name but a different address and email. The person ran up over {$10000.00} in balance transfers and loans to another account which is not mine,. Citibank than actually took money out of my checking account to make one of the loan payments. That's how I found out about the charges on the card, I contacted Citibank about the fraud. They then gave the money back in my checking account but never took the fraudulent charges off my credit card, which since has ruined my credit. I have had numerous calls with their fraud dept., they say they are working on it, promise to call back but never do. Its been since XXXX and still they show on my card that I own them over {$10000.00} The customer service just ignores that the account is under investigation and keeps sending payment warnings, as our credit rating keeps dropping

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 2020-06-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I submitted a student loan borrower defense application. In XX/XX/XXXX, I received a letter from Navient that theyve been informed from the Department of Education about my borrower defense application and would put the account on a 12 month administrative forbearance. In XX/XX/XXXX, I received a letter from the Department of Education that a class action lawsuit had been filed against them due to their lack of responding the borrower defense applications. In that letter, it stated that the loan servicer is not allowed to attempt to collect the debt until after a decision is made on the lawsuit. I have another loan servicer for a loan not covered in the lawsuit that put the loan on hold for 3 years. Navient is still attempting to collect payments and harming my credit with incorrect and inaccurate statements. I contacted them to question their practice in XX/XX/XXXX, they sent me an email stating they have no record of such a notice from the Department of Education. 

Also, because of the COVID-19 outbreak, the Department of Education is unreachable and an order is in place that no student loans are supposed to have collection attempts. However, Navient is continuing to do exactly that. Their website has a posting that as of XXXX XXXX, that all payments and interest has been suspended until XX/XX/XXXX. However, Navient is continuing to add fees and interest and attempt payment collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Pnc will not allow me to link my account to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
Ally Bank has been contacted numerous times, dating back to XXXX to establish an IRA, rollover funds from a qualified retirement plan, and disburse funds into my savings account. At every step of the way, Ally has provided misinformation and incomplete information that has resulted in delay after delay in accessing my funds. Despite assurances that the process is complete and I would have funded by the close of business on XX/XX/15, Ally has not provided access to my funds. At this stage, Ally has informed me several times that I have completed all applicable paperwork, yet they refuse to process my IRA distribution request.

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 2020-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I have sent XXXX letters dated XX/XX/2020 XX/XX/2020, and XX/XX/2020. 



Asking them to Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? and evidence that I am legally responsible for the debt. And they have not provided the information at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Home Point Financial Corporation
State: TX

Complaint narrative:
I am refinancing my HomePoint Mortgage VA loan and was advised by their representative XXXX XXXX NOT to make any more mortgage payments until the month after the closing date. 

Meanwhile, they have erroneously reported that we are delinquent! 

Not only have I contacted them three ( 3 ) times in writing about this discrepancy, but I also filed a dispute with XXXX which HomePoint refused in less than 24 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
See notes I have filed complaints previously. Chase bank harmed my life. I am a XXXX first responder with the XXXX XXXX Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I am contacting your agency for assistance in disputing several transactions on my XXXX account ending in XXXX. These transactions are a direct result of an online business opportunity where what I thought I was buying was grossly misrepresented. These companies worked together selling me various related products and services that have not been delivered as they were described. The charges that I am wishing to dispute are : XX/XX/XXXX XXXX  {$2000.00} Chase XXXX XXXX XX/XX/XXXX XXXX  XXXX  {$1200.00} Chase XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC has lost connectivity with the investment app XXXX. XXXX  can be used for investment as well as long term savings and establishing an IRA. The inability of PNC to link my account with XXXX  has prevented me from participating in this investment opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Harris & Zide
State: CA

Complaint narrative:
I had an old XXXX account that was reflecting on my credit report as not paid, but i paid this account through a third party on XX/XX/2018 and no one reported it to the credit reporting agencies. It came up when i applied for an apartment with XXXX XXXX. All i needed was proof that the account was paid so that i can be qualified for the rental. I got disqualified because the Law Office of Harris and Zide was unable to supply me with the letter indicating that I paid it in full and they bounced me back to contact XXXX. I called XXXX and they stated they sold this account and that there is nothing then can provide to me. They referred me to contact XXXX XXXX and they stated they had nothing on the account since it was sent back to XXXX. XXXX and XXXX XXXX blame each other on who was suppose to report this to the credit reporting agencies. I was never able to get a letter and I missed my opportunity in getting the rental. I am unable to move the request to another property because I can not get proof that this account was paid. According to XXXX, they stated they will report it, but it would take XXXX days. Again, i can not get approved for a rental because no one was able to provide me proof that I paid this account in full. At this point I am stuck and no where to turn for help.

Company response to consumer: Closed with explanation