vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My complaint is about Synchrony Bank not handling an identity theft situation properly for me. I have been a victim of identity theft for more than a year now, probably connected to an XXXX data breach. Unidentified people have opened or tried to open accounts under my name. So far I believe I have managed to close them all and worked with the companies deleting the accounts and the inquiries in my credit report. I have also established a fraud alert with the credit bureaus. 
But I still have 4 credit inquires for fraudulent applications showing in my XXXX credit report for accounts related to Synchrony Bank. I contacted telephonically Synchrony Bank several times for each of them, starting with the oldest one in XX/XX/XXXX ; they closed the accounts, that is true, but did not follow the process to delete the inquiries from the report like all the other companies did effectively. Every time, but the last one, they told me they will send documentation to the credit bureau to erase them in the report but nothing happened. I inquired them several times to send the letters or any documents to me so I could forward them to XXXX ; they assured me they will but I never received anything. I talked to XXXX two times to see if they can solve the issue from their side, but they told me they need the documentation from Synchrony Bank. In my last phone call to Synchrony Bank, on XX/XX/XXXX, a representative assured me that no record of any of those accounts or any of my calls was showing in the system. 
At the present day ( XX/XX/XXXX ), the 4 inquiries ( all due to fraudulent applications to accounts already closed ) are still showing in my Transunion 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 2020-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA

Complaint narrative:
I have gotten constant calls from the same debt collector called XXXX. They have contacted me on multiple unofficial numbers.

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 2020-08-27 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: CL Holdings LLC
State: NC

Complaint narrative:
I Emailed the company on XXXX XXXX a Debt Validation letter and they have not responded and has updated my credit report without following the FTC guidelines.they continue to add interest to a closed charged off account. 

Here is the update status on my credit report from XXXX XXXX XXXX. 

XXXX XXXX XXXX Original creditor : XXXX XXXX {$880.00} Balance updated XX/XX/2020 Contact XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a credit card on my report that opens XXXX and closed XXXX. I was told they are not suppose to be on there after 7 years. Its been almost 10.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my second complaint regarding Equifax not removing the Bankruptcy they claimed in their letter they sent me dated XX/XX/2020, Confirmation # XXXX that " the disputed item is not currently reporting on the Equifax credit file. Public Record : Bankruptcy XXXX. " Re

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
So after already filling a complaint against this company and it being resolved, one of the banks local Branches decided I didnt deserve to have any money at the institution and cleared my savings account and denied me access to it leaving me XXXX and taking like {$100.00} this is so irritating especially from an institution that claims to support veterans. Im now searching for an attorney and Im very unhappy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
My credit card company, Capital One, has restricted my account because i do not own a US driver 's license. The only way they can verify my identity is if i provide them a US driver 's license. I have a US passport and an expired US driver 's license but they will not even accept a US passport as a form of identity. Because they do not have the capabilities to accept this, they are unable to take my payment using my debit card. They are continuing to charge my fees and interest because of this and they also will not even discuss my account with me. 

It is unacceptable that Capital One continues to charge me when they can not accept a customer 's US passport as a means of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
1. Ive been waiting on a disputed refund/reversal since XX/XX/2020 from MyVanillia.

2. I did a return to a department storeon XX/XX/2020. I explained to the department store that I didnt have the card I initially paid for my merchandise with. The department store accommodated meby putting my refund on my prepaid cardbeing that I had a proof of purchase label. 
3. The XXXX  at MyVanillia ( XXXX XXXX ) ..., have deactivated my cardand refuse to release MY MONEY!  I have sent the RETURN RECEIPT to their FRAUDULENT ass company several times. My PATIENCE is wearing! As it isIve been waiting an UNCONSTITUTIONALLY LONG time for my other disputes. Yes, Im PISSED!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I sold a home and my title company wired my payoff money to BOA on XX/XX/20. BOA did not respond to the wire or acknowledge that the payment was received, nor did they post the amount. The title company and I attempted to contact the bank numerous times, but they don't answer their calls. I called several times waiting hours and not getting through, my title company spent 5 hours on hold ... I went to my local branch several times and once waited on hold with the bank for 3 hours and they couldn't even get through on the phone. As a result of BOA not answering calls, another attempt was made to wire the funds and BOA didn't respond to that either. Today is day 17 and my funds have not yet posted. I am livid and worried. After numerous hours of wasted time, I can't get BOA to acknowledge the receipt of my funds and they continue to add interest and penalties will soon follow as I am not making mortgage payments on a home I sold. I am extremely worried about the funds, about my credit and about additional fees through no fault of my own. I think it's outrageous for BOA not to have to do their actual job, they blame it on COVID but I deal with 3 other banks that can answer their phones, see me in person and do their jobs.

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 2020-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had an credit card account with XXXX XXXX XXXX. Since I traveled frequently, .. it could be several months between the time I could reconcile the statements. I began getting charges in late XXXX and early XXXX for a materials supplier in New York ( and various other vendors ). These turned out to be changes made by XXXX ... and XXXX XXXX XXXX ( estranged adoptive family members ). I also found out that XXXX  XXXX XXXX was allowing XXXX to have access to my account to make payments and balance inquires. I requested that XXXX stop all such activity. I was informed that XXXX ( and XXXX XXXX ) had enough information about me to bypass any security measures they had. I asked to have the account changed. XXXX did so ... and the charges continued ( under the old number ). XXXX told me there was no way to stop those charges, I have a XXXX Texas Police report on this and several other acts of theft and vandalism by XXXX, XXXX and XXXX XXXX. One of the incident numbers is XXXX. There have been over {$16000.00} in charges by XXXX on this account. There have also been over {$200000.00} in damages ( vandalism etc ) by XXXX and XXXX XXXX and her family. XXXX  XXXX XXXX is already in possession of all documents related to this. I have provided them multiple times over the years.

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 2020-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had an credit card account with XXXX  XXXX XXXX. Since I traveled frequently, .. it could be several months between the time I could reconcile the statements. I began getting charges in late XXXX and early XXXX for a materials supplier in New York ( and various other vendors ). These turned out to be changes made by XXXX XXXX. and XXXX XXXX XXXX ( estranged adoptive family members ). I also found out that XXXX  XXXX XXXX was allowing XXXX to have access to my account to make payments and balance inquires. I requested that XXXX stop all such activity. I was informed that XXXX ( and XXXX XXXX ) had enough information about me to bypass any security measures they had. I asked to have the account changed. XXXX did so ... and the charges continued ( under the old number ). XXXX told me there was no way to stop those charges, I have a XXXX Texas Police report on this and several other acts of theft and vandalism by XXXX, XXXX and XXXX XXXX. XXXX of the incident numbers is XXXX. There have been over {$16000.00} in charges by SeeSawUSA.com on this account. There have also been over {$200000.00} in damages ( vandalism etc ) by XXXX and XXXX XXXX and her family. XXXX  XXXX XXXX is already in possession of all documents related to this. I have provided them multiple times over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had an credit card account with XXXX  XXXX XXXX. Since I traveled frequently, .. it could be several months between the time I could reconcile the statements. I began getting charges in late XXXX and early XXXX for a materials supplier in New York ( and various other vendors ). These turned out to be changes made by XXXX ... and XXXX XXXX XXXX ( estranged adoptive family members ). I also found out that XXXX  XXXX XXXX was allowing XXXX to have access to my account to make payments and balance inquires. I requested that XXXX stop all such activity. I was informed that XXXX ( and XXXX XXXX ) had enough information about me to bypass any security measures they had. I asked to have the account changed. XXXX did so ... and the charges continued ( under the old number ). XXXX told me there was no way to stop those charges, I have a XXXX Texas Police report on this and several other acts of theft and vandalism by XXXX, XXXX and XXXX XXXX. One of the incident numbers is XXXX. There have been over {$16000.00} in charges by XXXX on this account. There have also been over {$200000.00} in damages ( vandalism etc ) by XXXX and XXXX XXXX and her family. XXXX XXXX XXXX is already in possession of all documents related to this. I have provided them multiple times over the years.

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 2020-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
National Credit Systems Inc. are attempting to collect a debt that is not owed and are reporting on my credit report. I had a judgement with an apt that resulted in a ( POSSESSION ONLY ) -No Monies Owed. I have Documentation from my Countys General Sessions Court of which it was handled. They are attempting to collect {$3900.00} and have not provided where these fees come from. They then told me that it was forwarded to a law firm and provided me with a number. I called the number provided and the law firm told me that they they would send a print out of the " alleged '' fees. I have not received any information. I have called both companies multiple times. Though National credit systems have stated that they do not have my " case '' any longer they are still reporting currently on my credit report. I have tried disputing  with XXXX  and XXXX  sending proper documentation showing that i do not owe this debt and they stated that the debt was validated and have not shown me how or what the verification details include. Due to this i have faced homelessness with me and my XXXX children because we are unable to get approved for a home due to this false report on my credit report. ( its an automatic denial if your report shows a balance owing someone ) ... I also sent a print out of my rental report to the bureaus and it also shows that i have {$0.00} dollars owed from original company and yet they still denied my request of removal. I also called original company and asked to speak to manager on multiple occasions  and left my contact number each time and have not received a call back or email. There has been no solution to this in almost a year of attempting to get this squared away.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I WANT TO RECIEVE MY UNEMPLOYMENT ( PUA ) BENEFITS IN MY CHECKING ACCOUNT ON MY DEBIT CARD AND NOT THEIR BANK OF AMERICA DEBIT CARD. I DO NOT WANT BANK OF AMERICA HANDLING ANYTHING FINANCIAL OF MINE AND THEY ARE NOT ALLOWING ME TO DO SO.

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 2020-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
I was informed I owed a debt of {$3900.00} from a XXXX  account. This account was opened in XX/XX/2004 in which I was XXXX years old. The owner of this account my grandmother passed and this account has appeared on my credit report 7 years later.

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 2020-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
They didnt fix the problems they said the would on my credit report. Also told me not to close a credit card that I maxed out. Said it wouldnt help my credit and they would fix it. They said the would get late fees off my account and didnt. I had them from XX/XX/XXXX to XX/XX/XXXX. I would call to cancel but they talk me into having it longer that they needed more time. I recently called to ask for my money back because they didnt fix any of the problems on 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 2020-08-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: Volvo Car Financial Services U.S., LLC
State: CT

Complaint narrative:
RE : VOLVO CARS In XX/XX/XXXX, I received an offer from Volvo   Cars XXXX, CT to end the current XXXX XXXX  Volvo lease and " lease a new Volvo ... .and we will waive up to 6 remaining payments on your current lease. '' the offer was for 24 months new lease, didn't specify an amount to be paid at signing, and the offer expires on XX/XX/XXXX. 
I discussed the offer with Volvo Cars XXXX, but they didn't have a car to match the XXXX XXXX which I've leased from them. However, they gave me quotations for similar cars in case they can get one from other Volvo agencies based on 24 months new lease, and insisted on {$5200.00} at signing, because that was the sum I paid when I had the XXXX lease. However, and since my lease ends on XX/XX/XXXX we agreed to talk again after XX/XX/XXXX on he assumption that a matching car is available at Volvo Cars XXXX, CT. 
Eventually, on XX/XX/XXXX I returned the XXXX XXXX, and signed a new lease for 24 months at {$390.00} per month and paid {$5800.00} at signing., with the salesman referring to his Manager to give me answers and assurances that this is the best they can do for me based on the XXXX " not so clear '' offer. I was denied the request to extend the lease to 36 months, and to reduce the {$5800.00} payment. 
To my surprise, on XX/XX/XXXX I receive a " SPECIAL SAVINGS OFFER '' from Volvo Cars XXXX to lease a XXXX XXXX Car which matches exactly the same car that I got on XX/XX/XXXX, which matched the XXXX leased car. That offer expiring by XX/XX/XXXX has now specific terms " Lease XXXX XXXX XXXX XXXX  for 36 months {$3600.00} due at signing at {$370.00} per month ''! 
Immediately, on XX/XX/XXXX I sent letters and e-mail to : - Volvo   Car Financial Services, One Volvo XXXX, XXXX, NJ XXXX ( they have their name on the promotional offer ) - Volvo Cars Financial Services, XXXX XXXX. Ph : XXXX XXXX XXXX XXXX Re:XXXX Account Number. ) - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CT  XXXX Ph : ( XXXX XXXX I complained that the new lease is a grossly unfair transaction, as Volvo XXXX took advantage of my loyalty to Volvo, did not advise me of the XXXX offer, denied me the 36 months lease, and grossly over estimated the amount paid at signing. 

I received a letter from Volvo-Alabama dated XX/XX/XXXX stating " we appreciate your patience while we research your concerns ... '', and by a letter dated XX/XX/XXXX they rejected my request. I received no responses from Volvo Cars XXXX or New Jersey. 

I appreciate your interference to address my copmlaint, since the actions by Volvo Cars involve false advertising, and unfair trade practices Thank you! 


XXXX I have documents to attach to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
The original creditor was XXXX XXXX XXXX  and I closed the account. I started paying the account off through XXXX XXXX XXXX  and every time I called to make a payment they kept trying to reopen the account and they kept charging me more money. So I stopped paying them. Earlier this year I checked my credit report and saw that I owed XXXX to XXXX XXXX XXXX  and I disputed it with the credit bureau and was informed it was taken off my credit report but it was not taken off. I contacted LVNV and was sent to Resurgent Capital Services and they sent me a copy of a payment I made to XXXX XXXX XXXX and in the correspondence stated that if I disputed the validity to contact them within thirty days in writing. On XX/XX/2020 I sent a letter to Resurgent Capital Services disputing the validity of this debt within the 30 day time period allowed and have not received any communications from them. Today, XX/XX/2020, I called Resurgent Capital Services and was informed that they never received my letter. I did my due diligence and Resurgent Capital Services has not done their part. XXXX XXXX XXXX  is still contacting me to reopen my account with them. This account has gone through 3 different collection agencies and I have had phone calls from 2 collection agencies at the same time about this account. I want to settle the account and get this off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Received a letter from SLS on XX/XX/2020, copy attached. I have made every payment on time and have proof but they won't accept the proof & keep asking for resubmission. They know there are no front and back of checks because they process electronically. They claim we are in default and want to foreclose. To add insult to injury, now on page 2, they claim I was late in paying XXXX XXXX, the company that transferred the mortgages to them. THIS IS UNTRUE! I am attaching copies of the XXXX XXXX XXXX reporting that I obtained this morning from XXXX, and XXXX XXXX for XXXX   and XXXX. Please let me know who I contact to have their license to do business in the State of Florida.

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