vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
Last year I purchased a new Heater through XXXX  XXXX  and they were offering financing through SYNCHRONY Financial. When I received my 1st statement I noticed a {$29.00} activation fee which the XXXX Sales person never told me about and I never even talked to Synchrony he entered all my information on his XXXX for approval. 

When I emailed Synchrony they never really addressed the issue.

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 2021-02-09 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: PA

Complaint narrative:
I am writing you to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items be deleted to correct my credit report. I reported theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. Im trying to advance in my life by getting a house and car to provide for my children.

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 2021-02-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I spoke with an representative by the name of XXXX at Equifax on XXXX2021. Upon requesting a dispute, XXXX denied me the right to dispute incorrect, invalid and some fraud related items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: CA

Complaint narrative:
I have been inundated with calls from a number I didnt recognize recently. Today I answered, and - after a long silence - the caller identified as AFNI - trying to collect a debt on behalf of XXXX from XXXX. I was pressured into making a payment or a payment arrangement, and when I attempted to ask questions I was refused answers and told that I would be reported to a credit bureau if I did not pay immediately. All I asked was for the opportunity to review my own records to confirm the timelines being claimed by AFNI and XXXX, as it has been over a year and I wasnt sure about them. I was again threatened, told that notes were being made that werent accurate, and then forced off the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: CA

Complaint narrative:
I contacted XXXX and notified them I no longer wanted this account. Apparently, the account wasn't actually closed and the annual fee was billed in error. I was contacted by XXXX 's collection department stating I was past due. Fortunately, the phone rep corrected the issue by refunding the fees and closing the account but I now see they have reported my account 90 days past due which dropped my credit scores 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: CA

Complaint narrative:
I contacted XXXX and notified them I no longer wanted this account. Apparently, the account wasn't actually closed and the annual fee was billed in error. I was contacted by XXXX 's collection department stating I was past due. Fortunately, the phone rep corrected the issue by refunding the fees and closing the account but I now see they have reported my account 90 days past due which dropped my credit scores 100 points.

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 2021-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avadyne Health Holdings, Inc
State: NJ

Complaint narrative:
XXXX XXXX has ignored all my certified letters disputing the amount in question ; all my phone calls and certified letters were fruitless ; I disputed my bill and provided proof ; the hospital ignored me and sent me to collections. On XX/XX/XXXX I disputed the collection letter and amount ; my insurance company is doing an audit and they are looking into the bill the hospital claims that I owe ; the hospital did not bill me accurately for services rendered XXXX XXXX. I do not owe the amount on the bill and the hospital did not do everything on the detailed bill. An example, I did not get a XXXX  but they are charging me for one not once but twice - I have a duplicate bill for the XXXX  department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: VA

Complaint narrative:
In XXXX XXXX XXXX XXXX  was deleted from all 3 credit bureaus. This account does not belong to me and can not be verified. Recently this account was added back to my credit reports. How sway? Because I have never done business with this company and this account does not belong to me. Also, I know for a fact that the credit bureaus have to provide me with a 5 day notice before adding any account back on to my credit reports. I have not received that letter! 
This account need to be deleted from my credit reports immediately because it was added back with out proper notice on top of this being an unverifiable account. 
I am highly considering litigation because this is crazy..

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 2021-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: PA

Complaint narrative:
I have written several disputes to this company and they have not responded AT ALL! They have willfully violated my rights by intruding onto my credit file without any prior notification or stated reasons. I have disputed the account, and they have not responded to me! This violates the FCRA and FDCPA in so many ways it hurts! PLEASE HELP ME!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: NY

Complaint narrative:
Equifax sent a letter dated XX/XX/2021, it states that the results of your investigation of XXXX XXXX XXXX was verified as accurate by XXXX, however XXXX has provided in writing that they are unable to verify the bankruptcy and therefore has removed the unverifiable bankruptcy from their own data base. 

There is no way possible that XXXX verified this as " accurate '' according to the investigation letter from XXXX has evidenced the contrary. Therefore I have requested for Equifax to delete the bankruptcy from my credit report public records and refuse to do so. I do not understand, Equifax uses XXXX to verify the bankrupcty, XXXX says to me it has been removed because unable to verify, I inform Equifax of such in a dispute to Equifax and Equifax is defiant in removing it because they allege XXXX verified as " accurate ''??!?!?!?! 

I am not sure who is playing games, because if Equifax is stating that XXXX XXXX verified the bankruptcy as accurate so then why did XXXX SEND ME A REPORT AND LETTER STATING THEY WERE UNABLE TO VERIFY THE BANKRUPTCY AND HAS BEEN DELETED FROM THEIR OWN DATA. 

I further request, that Equifax obtain my records and or documentation from XXXX proving that this still exists in their data base as verified and as accurate. 

The FCRA requires credit bureaus to verify the accuracy of credit reporting items, here Equifax has failed to do so. XXXX is reporting one story to me and or another story to Equifax. They need to clarify this and therefore have included them in this complaint as well. The other 2 credit bureaus complied when I disputed the same issue here. 

I have attached correspondence from XXXX stating the removal of the bankruptcy as well their report showing that it is no longer on my record. I also provided a letter from the bankruptcy court as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: NC

Complaint narrative:
I check my credit today and I discovered my XXXX and my exqifax had drop my XXXX severely so I look to see what the problem was 1 there's a charge that has been on my credit since XXXX and it's listed several times on my credit 2nd they stated my credit drop because of my credit card use and said it was under XXXX left on it, this confused me because my credit card just sent a text message to my phone of available credit over XXXX, and my payments made on time in a pandemic not working I make my payments on time and my score was drop over 65 points on exifax and XXXX  31 points this has been a constant problem then I'm offered these extremely high interest rates in anything I purchase, I make my payments on time my copay for medical is XXXX iv filed multiple complaints this has made me ineligible for decent credit for over 3 years I can not but a home because my credit score constantly drops because I'm paying my credit on time, this has become depressive and there is nothing that is done, I believe it is racial recrimination in credit reporting companies and minorities are left to higher interest rate no homes and a credit system that is allowed to continue, I check this with XXXX XXXX to day and I'm just XXXX and angered

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: MD

Complaint narrative:
TCF Bank has been taking my additional payments on my mortgage and applying them as " future payments '' and holding them under the escrow account instead of paying down the principal of my mortgage. As of my statement dated XX/XX/XXXX I have {$17000.00} in my escrow account. This ammount is far and above what is necessary to pay for taxes and insurance. I have tried to get this resolved multiple times through the company. Here are the request numbers : # XXXX, # XXXX, # XXXX. After 3 attempts to correct this issue I get a letter from the tax and escrow department at TCF Bank stating they think they received funds in error and enclosed a check for {$6600.00}. There was no explanation or calculations provided as to how they arrived at this number. Also they have deducted this ammount from my escrow account on my XX/XX/XXXX statement from my escrow account. I have not cashed this check. 
I would like a full escrow analysis completed on my account. I would like all additional payments for the life of the loan to be applied to the pricipal of my loan and to have any interest charges I have paid as a result of this error to be reimbursed and put towards the principal of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I contacted XXXX and notified them I no longer wanted this account. Apparently, the account wasn't actually closed and the annual fee was billed in error. I was contacted by XXXX 's collection department stating I was past due. Fortunately, the phone rep corrected the issue by refunding the fees and closing the account but I now see they have reported me 90 days past due which dropped my credit scores 100 points.

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 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
On XX/XX/2021, I submitted a letter to TransUnion, XXXX, and XXXX in regards to two accounts. As of XX/XX/2021, I have yet to receive any correspondence from either of the credit bureaus with an update on the status of these two accounts. I need for this problem to be resolved and these accounts 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 2021-02-09 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: VA

Complaint narrative:
In XXXX XXXX XXXX XXXX was deleted from all 3 credit bureaus. This account does not belong to me and can not be verified. Recently this account was added back to my credit reports. How sway? Because I have never done business with this company and this account does not belong to me. Also, I know for a fact that the credit bureaus have to provide me with a 5 day notice before adding any account back on to my credit reports. I have not received that letter! 
This account need to be deleted from my credit reports immediately because it was added back with out proper notice on top of this being an unverifiable account. 
I am highly considering litigation because this is crazy..

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 2021-02-09 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: VA

Complaint narrative:
In XXXX XXXX XXXX XXXX was deleted from all 3 credit bureaus. This account does not belong to me and can not be verified. Recently this account was added back to my credit reports. How sway? Because I have never done business with this company and this account does not belong to me. Also, I know for a fact that the credit bureaus have to provide me with a 5 day notice before adding any account back on to my credit reports. I have not received that letter! 
This account need to be deleted from my credit reports immediately because it was added back with out proper notice on top of this being an unverifiable account. 
I am highly considering litigation because this is crazy..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: CA

Complaint narrative:
We refinanced our XXXX XXXX  mortgage with another bank, and XXXX XXXX  has not reported accurately to all 3 credit bureaus. Both our mortgage and heloc accounts are still showing up as " open '' even though we refinanced almost 2 moths ago. 

I called XXXX XXXX to inquire when they would report and they told me the XXXX of every month. Today is the XXXX and the only credit bureau they reported to was XXXX. XXXX and Equifax are still showing XXXX XXXX accounts as " open ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: LEXISNEXIS
State: NY

Complaint narrative:
XXXX sent a letter dated XX/XX/2021, it states that the results of your investigation of Public Record Information was verified as accurate by LexisNexis, however LexisNexis has provided in writing that they are unable to verify the bankruptcy and therefore has removed the unverifiable bankruptcy from their own data base. 

There is no way possible that LexisNexis verified this as " accurate '' according to the investigation letter from LexisNexis has evidenced the contrary. Therefore I have requested for XXXX to delete the bankruptcy from my credit report public records and refuse to do so. I do not understand, XXXX uses LexisNexis to verify the bankrupcty, LexisNexis says to me it has been removed because unable to verify, I inform XXXX of such in a dispute to XXXX  and XXXX is defiant in removing it because they allege LexisNexis verified as " accurate ''??!?!?!?! 

I am not sure who is playing games, because if XXXX is stating that Lexis Nexis verified the bankruptcy as accurate so then why did LEXISNEXIS SEND ME A REPORT AND LETTER STATING THEY WERE UNABLE TO VERIFY THE BANKRUPTCY AND HAS BEEN DELETED FROM THEIR OWN DATA. 

I further request, that XXXX obtain my records and or documentation from LexisNexis proving that this still exists in their data base as verified and as accurate. 

The FCRA requires credit bureaus to verify the accuracy of credit reporting items, here XXXX has failed to do so. LexisNexis is reporting one story to me and or another story to XXXX. They need to clarify this and therefore have included them in this complaint as well. The other 2 credit bureaus complied when I disputed the same issue here. 

I have attached correspondence from LexisNexis stating the removal of the bankruptcy as well their report showing that it is no longer on my record. I also provided a letter from the bankruptcy court as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: Duvera Billing Services, LLC
State: PA

Complaint narrative:
XXXX XXXX is furnishing false and derogatory information on my credit report. They're listing a past due balance of {$820.00} which includes an illegal interest rate of over 188 %. Predatory lending is entirely illegal in the state of Pennsylvania and this is double the original listed loan amount of {$480.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: FL

Complaint narrative:
XXXX XXXX REPORTING 30 DAY LATE ON ACCOUNT THAT ONLY CHANGED STATUS, FROM DEFERMENT TO FOREBEARANCE, INACCURATE ACCOUNT STATUS. LOAN WAS NOT 30DAYS LATE. ACCOUNT STATUS CHANGED. I FILLED OUT MULTIPLE FORMS, MADE SEVERAL PHONE CALLS, INFORMATION IS STILL REPORTING INCORRECTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: FL

Complaint narrative:
XXXX XXXX REPORTING 30 DAY LATE ON ACCOUNT THAT ONLY CHANGED STATUS, FROM DEFERMENT TO FOREBEARANCE, INACCURATE ACCOUNT STATUS. LOAN WAS NOT 30DAYS LATE. ACCOUNT STATUS CHANGED. I FILLED OUT MULTIPLE FORMS, MADE SEVERAL PHONE CALLS, INFORMATION IS STILL REPORTING INCORRECTLY.

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 2021-02-09 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: CA

Complaint narrative:
I contacted XXXX and notified them I no longer wanted this account. Apparently, the account wasn't actually closed and the annual fee was billed in error. I was contacted by XXXX 's collection department stating I was past due. Fortunately, the phone rep corrected the issue by refunding the fees and closing the account but I now see they have reported my account 90 days past due which dropped my credit scores XXXX points.

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