vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
Hi, The debt collection agency, XXXX XXXX XXXX XXXX, just placed an 8 year old discharged debt on my credit report as " In Collections '' and reported the date of the debt as XX/XX/2021. This is false reporting and has hurt my ability to obtain a lower interest rate on a home loan that I need to close within 45 days. I found out about the debt on my report when I applied for the loan. Terrible timing and a good example of illegal debt collection tactics by this debt collection agency. 

The original debt was with NetCredit, I believe it says, and it looks like they purchased the debt from them, or another debt collection agency. Also, I never received any notice from this company informing me of their intentions to illegally pursue an 8 year old debt in the state of GA where the statute of limitations is 4 years. To make matters worse, I am fairly certain that the {$11000.00} they are reporting is much higher amount than the original amount owed. 

All I have are the last four digits of the account number, XXXX. I've attempted to call XXXX XXXX XXXX but have not reached anyone to discuss the issue. After talking with someone who has had this happen before, they advised me to not talk to anyone at the agency as they will attempt to get you to agree that you owe the debt, therefore allowing them to place the debt on my credit report and seek full payment as if I owed the debt today, not 8 to 10 years ago. 

Can you help me resolve this issue and provide me information on the best way to seek damages from the collection agency. It's very disheartening to see a company do this to people in a time such as this. I am attaching a screenshot from XXXX. It's the only information I have for the collections debt. Thank you for any help you can provide. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a been a Chase customer for over 20 years. I received a notice in the mail that all my checking and savings accounts have been closed. I went to a bank branch. They said they couldn't help. They told me to call the number on the notice. I called and waited 30 minutes and my call was disconnected. I called and was asked for my number so I could wait for a call back. I waited 19 minutes for a call back. When it came I was told to hold. I waited another 10 minutes. Then the call was abruptly disconnected. This was not a cell phone issue. I was calling from a lan line. I simply want to know why all my checking accounts were closed with little notice and I would like to know why my accounts were closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
I seen a debt collection show up on my credit I immediately called to see what it was pertaining to. When I realized I owed the debt I paid it immediately {$550.00} To date I still have this on my credit report I have never received a paid in full letter and this is hurting my credit and stopping me from getting a car loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: MI

Complaint narrative:
I have notified XXXX, XXXX and Transunion several times regarding the XXXX XXXX account. XXXX XXXX is refusing to discuss collection for XXXX account or accept any payments from me stating they are no longer handling account it is with a 3rd party. The is no other company reporting this account to my credit report, only XXXX XXXX. I have attempted several times to resolve this account with XXXX XXXX with the latest being today XX/XX/2021 at XXXX eastern, I spoke with XXXX whom once again refuses to discuss account, accept payment or even send a current dated bill for the balance owed. I have recorded conversations of XXXX XXXX refusals. I have filed several disputes advising XXXX, Transunion and XXXX of the issues with XXXX XXXX and the recorded conversations with contact information to reach me to hear them. All 3 continue to close my disputes stating they verified account details without investigating the issue Im disputing. XXXX XXXX should not be allowed to remain on my credit report if they are refusing to discuss account, accept payment for account or even send me a current bill for account. At this point Im ready to get a lawyer and sue XXXX, XXXX, Transunion and XXXX XXXX because Ive tried for several months to resolve this myself to no avail.

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 2021-11-10 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: MI

Complaint narrative:
I have notified XXXX, Equifax and XXXX several times regarding the XXXX XXXX account. XXXX XXXX is refusing to discuss collection for XXXX account or accept any payments from me stating they are no longer handling account it is with a 3rd party. The is no other company reporting this account to my credit report, only XXXX XXXX. I have attempted several times to resolve this account with XXXX XXXX with the latest being today XX/XX/2021 at XXXX eastern, I spoke with XXXX whom once again refuses to discuss account, accept payment or even send a current dated bill for the balance owed. I have recorded conversations of XXXX XXXX refusals. I have filed several disputes advising XXXX, XXXX and Equifax of the issues with XXXX XXXX and the recorded conversations with contact information to reach me to hear them. All 3 continue to close my disputes stating they verified account details without investigating the issue Im disputing. XXXX XXXX should not be allowed to remain on my credit report if they are refusing to discuss account, accept payment for account or even send me a current bill for account. At this point Im ready to get a lawyer and sue XXXX, Equifax, XXXX and XXXX XXXX because Ive tried for several months to resolve this myself to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
This company is collecting a debt on behalf of another company to which my name and likeness should have never been shared. 
I do not know this company to pay them, and they have wrongfully put a debt on my credit report that is not known to them as authenticated or factual evidence. Pursuant to 15 USC 1692 ( g ), neither company has sent me the 5 things that are needed to validate ANY debt. The company chose to instead assume that I, the consumer would agree to this debt. I do not agree that this debt is mine and believe I am owed compensation for failure to properly notify or authenticate.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America still has not answered my question with their correspondence pertaining to my HELOC. I have attempted over six times to make contact with their regulatory body XXXX XXXX however, each time got her voicemail. I have left several messages on her voicemail, and yet have not heard back.

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 2021-11-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Prosper Marketplace, Inc.
State: LA

Complaint narrative:
My account met maturity on XX/XX/XXXX. Due to a program for XXXX relief, there was a large balance due. An employee with Prosper called with a plan to pay down the balance and avoiding any negative information sent to the credit bureaus. I agree and set up 4 monthly payments to settle the balance paid on by a certain date in order to keep the account current, allowing no negative information to be submitted. 
The next day another employee with Prosper called with an option to settle the account in XXXX payment instead of the agreed upon plan the day before. I told the Prosper employee I rather keep what I agreed to. 
After making XXXX of the XXXX payments as scheduled, auto bank transfers, I get an alert from my credit monitoring service that I was 60 days behind. This must be a mistake, I called Prosper about this and was told they were at fault for by a mistake made by them and that the terms I agreed to were null and void and that they would not remove the negative reporting. Prosper acknowledges they made multiple mistakes, including offering me a refund of my payments and still refuse to fix the problem that they have caused. I have called multiple time today on XX/XX/XXXX only to be purposely disconnected while on hold to speak to someone.

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 2021-11-10 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
This account was opened by my ex-wife. We were separated and I was stuck outside the country during that period. She has since moved out of the house. 

I asked the credit card company to remove the charges and close the account, however, that was not done. 

The card is now over the limit and there is a charge of {$110.00} which I have no idea why the fee.

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 2021-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2021 I noticed an unauthorized inquiry on my consumer report which I did not give consent or authorization to report this inquiry to my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Complaint : TransUnion I XXXX XXXX XXXX would like to place a complaint against TransUnion Credit Reporting Agency. I have on my own attempted to have TransUnion report correctly the information about three bankruptcies being reported on my TransUnion credit report. Case number XXXX and case number XXXX of United States Bankruptcy Court . I have sent certified letters along with documents providing that these three bankruptcies were obtained illegally according to F.C.R.A. 
First, TransUnion stated that they obtained the information from another credit reporting agency ( XXXX ). 
I contacted XXXX via certified letter and enclosed I summited their reply which shows that the bankruptcies were reported in error and removed. I summited this along with court documents stating that federal courts do not supply any credit reporting with bankruptcy information. I also enclosed this document ; now I received a letter from TransUnion stating that they can not identify my ID. I find this very disturbing. If they can not identify my ID then how they can list bankruptcies on my report. I summit all listed documents to please help me and have TransUnion stop reporting illegally information on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: CT

Complaint narrative:
this relates to Honda Financial Services for my lease of a XXXX XXXX XXXX. My account now shows a fee for {$430.00} online. There is no explanation there for the fee. I got a letter dated XX/XX/XXXX saying that they paid a traffic or parking violation on the vehicle for {$200.00} ( no info on the rest of the amount ). I never got any such a violation. I have had this before on my last XXXX XXXX lease, where I called and complained several times but got no relief and I could not fight back because they would call the lease, add tons of interest and penalties ( also without explanation ) and threaten my credit rating. I paid hundreds of dollars on that lease to avoid trouble.I don't want to get hit again. Also they must do this to all vehicle lessees, hurting hundreds of people who can't fight back. What happened then, and I think now, is I drove through electric toll booths without XXXX or other automatic payment, and you can't pay with money anymore, they take a picture of your plate and send the toll bill. But the toll authority sends the bill to the registered owner of the car, that's XXXX, not me, the driver. I never got the bill. Honda doesn't forward the bill to me or tell me about it. And they don't pay it when due, so it accrues hundreds of dollars of fines from the toll authority. By the time Honda pays it, it's hundreds. Then Honda bills me for the toll and all the penalties. If they sent me the bill, I'd pay it right away, or if Honda pays it right away and then bills me the original amount I'd gladly pay it. but this could cost me thousands of dollars for all the times I went though tolls. Also the only way to communicate with Honda Financial is by mail. they don't have email or a way to message on its website! There is a phone number, but it's a scam. I've waited over an hour on hold before giving up, nobody answers or wait times are often an hour or more.It 's a nightmare.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I reached out to Portfolio Recovery to ask for a debt validation for this debt that has shown on my credit report for years. I did not refuse to pay, I simply ask that this company could send me viable proof that I lawfully owe them anything related to this debt. I did hear back from the company on with a letter dated XX/XX/XXXX. They provided notice that verifies ( not VALIDATES ) the debt owed. I received a second notice, days later that included the statements from the " original '' creditor and a letter stating that this debt collector now owns the account ( debt ) that has been purchased from the original creditor, dated XX/XX/2016. First, the information that I received is insufficient and does not provide viable proof that I owe them a dime. There is no signed contract between myself and this company, there is no invoice... only a statement was included and there is no account information that proves to me that I am responsible or obligated to pay this debt. These false and misleading actions have place this company in violation of many US codes, in which I have attached. This account has been on my credit report for years. First, according to Title 15 US Code 1692, I am the original credit and this company has admitted to purchasing this debt, therefore, it is theirs, not mine. I never, ever signed an agreement to pay this company anything. This false information is a case of identity theft as this company is claiming to be something they are not... .the current creditor. This account has been on my credit report for YEARS and has ruined my credibility. These false and misleading actions taken by this company has damaged my reputation, caused me to lose money in higher interest rates and also cause employment and housing issues. I am a single mom with children who works hard to keep my credit secure and this issue has caused much stress and grief. I have recently interviewed therapists in order to choose someone to assist me with the stress this has caused as it has damaged my mental health. These debt collectors are purchasing debts that have already been written off by their clients for pennies on the dollar and then coming after innocent citizens to wreak havoc on our lives and cause emotional and mental strain. The nature of this debt is fraudulent as I don't owe this company a XXXX dime. I have never had an agreement to pay them anything. There is no contract between us on file and they have been insufficient in providing the validation that I asked for because IT IS NOT REAL!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
An offshore transaction, which I've made previously, prompted a text message asking if the charge was recognized. I replied yes and the response was that the transaction was authorized. Several days later, I began a mobile withdrawal, which is available through the bank app, permitting you to input the amount you'd like to withdraw. I received notification that everything was in order, and I could go to the ATM to pick up cash. When I arrived at the ATM, miles away, the machine indicated that my card had been locked due to irregular activity. I called the bank, was told that they had the confirmation of the original transaction, and the card should not have been locked. They offered an apology for " the inconvenience. ''

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 2021-11-10 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/2021, I sign a contract with a HVAC company to install a new heating and cooling system in our house. The Company estimated it was a " 3 day job '' and would be finished by the end of XXXX. 

The promotional financing terms and conditions stated that I was preapproved and the charge would be made once the job was complete. There were delays, supply issues, etc and the job was not completed at the end of may. However synchrony called to confirm that that company had said that the job was finished and that they had charged the card and a payment was due. 

I contested and disputed the charge on XX/XX/XXXX since the job had not finished and the contractor should not be paid the entire amount of the contract. 

I received a letter on XX/XX/XXXX stating that the dispute had been resolved in the merchants favor. Enclosed was the response from the merchant that stated without any supporting evidence that the job was " almost done '' and would be done on XX/XX/XXXX and there was no reason for the dispute. 

On XX/XX/XXXX, I faxed evidence contradicting several claims in the letter from the merchant as well as evidence that the job had STILL not been completed and the company did not have a good relationship with us. 

I heard nothing from Synchrony bank. On XX/XX/XXXX, I called and asked synchrony to review the evidence. They stated they had and that they had already reached a decision and " I needed to wait for the decision letter ''. I asked for the date of the letter and they referred to the XX/XX/XXXX letter. I asked them again about the evidence I had submitted on XX/XX/XXXX and they said they would have to open a new dispute. 

I am very concerned that synchrony bank is not doing its contractual due diligence in reviewing disputes and is unfairly closing the dispute process prematurely without any effort to validate any of the claims made by the merchant or providing us an opportunity to respond when the company offered no evidence to support any claims.

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 2021-11-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
I made the on-time payment last 5 years some how the band didn't post payment on time make my credit file 30 days let payments. I have called them told me that they going to remove it but never did. 
XXXX XXXX XXXX First of all this balance is Closed. {$2.00}, XXXX written off. which is an incorrect amount is {$2000.00} only we dispute regarding the product is not what they mention

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The 3 Credit Bureaus are reporting inaccurate information on CAINE WEINER XXXX Balance Owed : {$110.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation