vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My existing XXXX XXXX card was transferred to Synchrony Bank in XX/XX/XXXX. Synchrony promised to have their website up and running on XX/XX/XXXX. I created a new account at Synchrony on XX/XX/XXXX so I could pay my bill online. I was able to create an account but did not have checking acct. info. handy, so later in the day when I tried to log back in ( and 12 times since then ) I get an error stating there are technical difficulties. The problem is not on my end, as I have tried logging in from 3 different devices/locations. 

I could also pay this bill via phone, but they want to charge me for doing so. I can not reach a live customer service rep at Synchrony as the phone number furnished on the XXXX website ( where I go to pay this bill ) gives me a 24/7 automated only phone line. I don't think I should be assessed a fee to pay a bill. I could also pay it by mail, but it takes 2 weeks to post. 

I contacted the XXXX customer service, Synchrony Bank, XXXX XXXX XXXX and CFPB about this issue. I have had no response. Next step will be contacting my California Attorney General 's office and XXXX corporate headquarters to let them know about these issues that Synchrony is ignoring/refusing to resolve. Why even bother to offer a website for payment if you can't keep it up and running?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Non of these inquiries which I listed in Identity Theft are not belong to me. I did not apply for that banks and never gave my authorization for applying. Please remove all of them from credit report, because they are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: IL

Complaint narrative:
Non of these inquiries which I listed in Identity Theft are not belong to me. I did not apply for that banks and never gave my authorization for applying. Please remove all of them from credit report, because they are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Santander Consumer USA violated the O.C.G.A. 10-1-36 I contacted Santander Consumer USA on XX/XX/2018 when they took my car from my house. I called to get my belongings from my car which was my money, ID, credit cards, etc. They KNEW that I was in another state because I bought the car in Maryland and my ID shows my Maryland address and they KNEW my current address because that is where they sent the repo truck to get the car, so by sending it to a address in GA that I do not live or never did, they did not make sure that they had done everything reasonable to ensure that I got the letter. Georgia Code Section 10-1-36, The lender must notify you of your rights to " redeem '' the car within 10 days of repossession which " Santander Consumer USA '' failed to do. Never send anything certified mail of date, time and location of sale to my address where the repossession took place. Since I never recieved the required notice of sale, or the notice of defciency balance per GA code 10-1-36, and therefore they have no right to the deficiency balance, no right to report a balance due on my credit report to XXXX, XXXX, XXXX and XXXX. 

10-1-36 .... the seller or holder shall not be entitled to recover a deficiency against the buyer unless within ten days after the repossession he or she forwards by registered or certified mail or statutory overnight delivery to the address of the buyer shown on the contract or later designated by the buyer a notice of the seller 's or holder 's intention to pursue a deficiency claim against the buyer. 


Since they are not legally entitled to any further money, that it is a FCRA violation to report that they are on my credit report by LAW. 

I reserve the right to take further action including filing appropriate complaints with the FCRA for violations of Title X of the Dodd-Frank Act, and related regulations which include a ban on Abusive Acts or Practices. In addition I reserve the right to file civil actions against you for slander of credit. 



The USPS tracking number for the deficiency letter which was undelivered and send back to Santander Consumer USA is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I spoke with a gentleman with your company asking him to send me all my statements pertaining to the credit card that I have with your company. I received the package in the mail on XX/XX/XXXX and when I opened the package the dates of the statements were only from XX/XX/XXXX through XX/XX/XXXX. I also have the latest XXXX Credit report that was sent to me XX/XX/XXXX. Listed is all the information on your company CAPITAL ONE BANK USA NA Date opened XX/XX/XXXX. I called Capital One XX/XX/XXXX at XXXX XXXX and spoke with a representative named XXXX explaining to her that I did not receive all of my statements that I asked for. XXXX then put me on hold and then came back to the phone and told me that she could only send me Statements from XX/XX/XXXX throught XX/XX/XXXX and I would receive them in 7-10 business days. I then asked her why can't she send me my statements from XX/XX/XXXX through XX/XX/XXXX? She told me that they no longer exist in their company. I then said they have to exist somewhere, and I am requesting the statements to be maailed to me along with the ones you are sending me. XXXX then tells me that I will have to have a Power of Attorney send a letter to them requesting my statements from XX/XX/XXXX through XX/XX/XXXX and they have to include in the letter my full name, address, social security number, and date of birth to this address : Capital One XXXX XXXX XXXX XXXX XXXX XXXX, Utah.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I obtained my credit file feom all 3 ctedit reporting agencies and found 3 different accounts being listed syncb.

1 was for a paypal mastercard and 2 accounts for a Walmart credit cards. None of which are mine. I wrote a certifed letter aking them for verification or removal. I sent this certified on XX/XX/2019 and the recieved it and it was signed for. I got a response for 1 of these stating i need to close my account and to report it. Its not my account. They even spelled my name wrong. I have never had a paypal credit card through any company nor even 1 walmart credit card. These are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX spouse name is wrong XXXX XXXX XXXX XXXX XXXX XXXX  another XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ftc violatiion data brach cause the inaccurate information on my credit filed FTC violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX spouse name is wrong XXXX XXXX XXXX XXXX XXXX XXXX another XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ftc violatiion data brach cause the inaccurate information on my credit filed FTC violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened a new Bank of America credit card in XX/XX/XXXX in one day to the other two weeks later they just closed it down. and when I called them they told me that I have very good credit they just want I should go down to a Branch with my license. I went down to fax the documents that they needed and still, they don't want to open up the card. that's real discrimination I have a good relationship with all the banks and they should open the account as soon as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
On XX/XX/2019, I submitted a request via USPS mail to Experian for further information about 6 entries on my credit report ( original letter attached ). I made my request under Fair Credit Reporting Act Section 609. Specifically, I requested to see the original sources of information for the 6 entries on my credit report. 

I requested the company name of the source, the contact name, the contact phone number, and the date Experian contacted the source. I also requested to see the original contract or service agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Collections U.S.A., L.L.C.
State: FL

Complaint narrative:
I received a phone call from this debt collector attempting to collect a debt from me. I am for certain that I do not owe your company any money. I have never done business with you. In fact, I had never heard of your company until having received a call. What I find strange is your attempt to collect the debt with me when I don't owe you any money in the first place! Please see this notice as me disputing this alleged debt with your company as well as requesting debt validation. Send me legal supporting documents bearing that I've done some type of business with you, hence owing you money. I do not have a signed contract nor any contract with CREDIT COLLECTIONS USA. I have never done business with this company. I am not liable for collection from this debt from CREDIT COLLECTIONS USA. I am not responsible for this debt with CREDIT COLLECTIONS USA. Also upon further review of my own this company is to furnish me with verification/valdiation of this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Lender Placed flood insurance was purchased by the mortgage company even though the house was destroyed by fire and the mortgage company was aware of this and had all the official documentation sent to them outlining that the house was a total loss, flood insurance could not exist on property without a house etc. they have refused to refund the lender placed insurance back into our escrow account thus causing our monthly payment to increase.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: State Collection Service, Inc.
State: WA

Complaint narrative:
I would like to notify you about a problem that occurred today regarding one of XXXX 's billing contractors, specifically " State Collection Service , Inc. '' which is located at XXXX XXXX XXXX XXXX, XXXX, WI XXXX. The corporate office has a website and several toll-free numbers XXXX ( XXXX ) XXXX or XXXX ( XXXX ) XXXX. An employee of State Collection Service, identifying themselves as " XXXX XXXX '', was using a WA State phone number XXXX to collect payments ( in my case - in error - no money was owed ) today. Unfortunately, XXXX XXXX decided to record and use the robocall from the XXXX XXXX XXXX XXXX office as her own Caller ID/ Announcement to entice XXXX customers supposedly owing money to pick up their phone. While it was an ingenious idea on the first day of school in the district ( to make parents think their child was in trouble or sick on the first day at school ), it was also clearly illegal IAW both WA State and federal law, specifically The Fair Debt Collection Practices Act which prohibits debt collectors from " The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. '' If State Collection Service , Inc. tries to deny the allegation, it should be reminded that the collection agency is often not the only party on the line recording phone calls - many consumers, like myself, do it now for their own protection. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Eastpoint Recovery Group, Inc
State: VA

Complaint narrative:
I have an outstanding debt with a company who sold my debt to EastPoint of XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. I rec 'd a notice dated XX/XX/19 as the Initial Notification from them. They began calling my husband, then by some means got my son 's info, my son 's girlfriend 's info and my son 's girlfriend 's sister-in-law 's info and began calling them. On several occasions they were informed not to call our son and they have now been told to not call his acquaintances as well. 
The rep, XXXX, threatened that if I didn't pay either a large payment or the entire balance that they would file a fraud claim against me and take me to court. I mentioned that I was exploring the option of filing bankruptcy and he advised " good luck, these guys have lots of money '' and " that I would go to court before I was before a Trustee ''. 
I would like to work out an arrangement with them, but their representative XXXX is not reasonable and doesn't seem willing to work anyone. His tactic is to bully and threaten. I realize that he works on a basis that he gets a percentage of what he collects, but he is unwilling to discuss options other than pay now. 
Everyone hits hard times in their life for whatever reason, up until XXXX, we had made all monthly payments on time through an autodraft from our account. We are trying to stiff the creditor, just have them work with us in a reasonable manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: Lending Club Corp
State: IL

Complaint narrative:
In XX/XX/XXXX, I paid off in full an alleged debt. The originating lender was Lending Club. Depending on which credit bureau you look at, Lending Club reported the alleged debt as a charge off in XXXX, XXXX, and XXXX, depending on the bureau. 

Lending Club sold the alleged delinquent debt account to XXXX XXXX XXXX. 

In XX/XX/XXXX, I paid XXXX XXXX XXXX for the full amount that I allegedly owed : {$16000.00}. Both Lending Club and XXXX XXXX XXXX assured me that they would update my credit report with the 3 bureaus to indicate my account was no longer delinquent. 

Lending Club did not update the entry despite my providing written proof of payment and chain of custody. Furthermore, XXXX XXXX XXXX refuses to update Lending Club with this information or forward them the letter proving that I paid off the account in full. 

I hereby demand that the account entry either be deleted from my credit reports entirely, or at a minimum, that you accurately report that the account is no longer listed as currently delinquent. Additionally, I demand an accurate reporting of chain of custody of the account and accurate charge off dates. You cant charge off the same alleged debt 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldridge Pite, LLP
State: TN

Complaint narrative:
Law firm sent me a notice of property foreclosure sale for my 2nd mortgage. 
I have not received notice of the debt or notice to validate the debt. There is a property foreclosure sale date set for XX/XX/2109 for my property. I also did not receive a 30 day notice by mail per the Tennessee state law. Letter is dated XX/XX/2019 but I did not receive the letter until XX/XX/2019. They are trying to foreclose on my first mortgage and I'm current with my first mortgage with a different mortgage servicer. 2nd mortgage is the delinquent mortgage, instrument number in the letter is for my 1st mortgage and not my second mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
On XX/XX/2019, I submitted a request via USPS mail to Equifax for further information about 2 entries on my credit report ( original letter attached ). I made my request under Fair Credit Reporting Act Section 609. Specifically, I requested to see the original sources of information for the 2 entries on my credit report. 

I requested the company name of the source, the contact name, the contact phone number, and the date Equifax contacted the source. I also requested to see the original contract or service agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: IA

Complaint narrative:
Flagstar bank is refusing to release funds paid by XXXX XXXX for repair of our roof. The roof is repaired. Our contractor has submitted a final bill. Flagstar 's own inspector said the work was done. We have a copy of his report. Flagstar still refuses to pay the roofer in full.Flagstar has repeatedly lied to us during this process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
BOA ATM MALFUNCTION at XXXX, Texas. 
DATE : XX/XX/2019 around XXXX XXXX. 
Me and my boyfriend were at the atm to deposit some cash into my account, approximately around {$4000.00}. he put it in and it was processing, it took unsually long and next thing we know the ATM spit the cash out and instead of holding it let go and the cash started blowing away, it was a windy night and we could only catch a couple bills, everything else got blown away by the wind and the atm completed the transaction woithout telling me what was deposited or not and didn't even print the receipt out, i found out the next day that the only amount that was deposited was around {$400.00} something. The bank declined the claim and when i called their agent she told me that it was my fault that their machine blew away my cash and that i would be responsible for losing my money?? please i don't know what to do as there's video footage of exactly what happened and the bank is refusing to look at that and wont even provide me the footage unless i file a court order. I am a college student who can't afford the lawyer fees so i am in a desperate need to get some help regarding my incident.

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