vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-03 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2020-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
I do not owe any debts to Absolute Resolutions. This company has violated my rights under the FCRA. Absolute Resolutions by law had a responcibility to notify in writing of any debts owed to them prior to reporting to any third party credit agencies. They did not do so and can not provide any written documentation addressed to me. 

I filled for bankruptcy In XXXX of XXXX. Absolute claims that the debt owed to them is from XXXX. If that was true when I filled for bankruptcy in XXXX of XXXX Absolute resolutions had a legal onligation to appear in court and file for anything they felt was owed. They did not because they I did not then or now owe a debt to them. 

Also, because my bankruptcy was public my address was on file for Absolute resolutions to contact me regarding the debt. This debt is not owed. This is not a valid debt. Any further attemtps to collect this debt will result in lgal action against Absolute resolutions for violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: Capital Accounts, LLC
State: TX

Complaint narrative:
My husband and i moved. My sister who was going to continue to rent the property we were leaving. I call and had the electric turn off att the old place and turned on at the new. My sister called them back and said she was me and had the leave the electric on at the old property. I did not agree to it

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 2020-11-03 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: Aargon Agency, Inc.
State: TX

Complaint narrative:
My husband and i moved. My sister who was going to continue to rent the property we were leaving. I call and had the electric turn off att the old place and turned on at the new. My sister called them back and said she was me and had the leave the electric on at the old property. I did not agree to it

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 2020-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
In XXXX I asked XXXX XXXX of US Bank if he could help with a loan I was trying to get on a home in Montana. He said yes and connected me with XXXX XXXX of US Bank in XXXX. Btw both people are very nice and were cordial all thru the process. Closing was for XXXX XXXX, 2020. During the process I got to them all the underwriting items they asked for. They told me I had " Conditional Approval '' on numerous occassions. 2 weeks before closing they said they could not do the loan in the XXXX name as my XXXX brother in laws did not fit their underwriting guidlines. They said they could do it in my name though. I told them since day 1 I had a $ XXXX deposit that was not refundable. They knew this but kept telling me that they could close it. 3 days before closing they told me that their outside attorneys said they could not close the loan in my name if we bought it in the XXXX  name. A complete reversal of what they said 2 weeks ago. Instead of closing on it with financing I closed with cash. what they did was VERY wrong. It was not XXXX it was her bosses who really XXXX  with me. I dont want anyone to go thru this again and I want action taken against them.

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 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Credit Management Control, Inc.
State: TX

Complaint narrative:
My hasband and i moved from a property we allowed my sister to take over the property i called the electric to have it turn off at the old property and turned on at the new. My sister called them back saying she was me and had them turn the power back on at the old property without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: CITIZENS FINANCIAL GROUP, INC.
State: IN

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash App should be XXXX XXXX. 

This app is a money eater. Transactions declined with no explanation. Can't add a payment method to withdraw balance with no explanation. Can't cash out my balance to an EXISTING payment method with no explanation. No error message telling me my account has been flagged and what to do about it -- it's just that the money goes in and then they cut off all ways of getting it out. 

This company has NO PHONE SUPPORT, so the best you can do is send an email and pray to XXXX a human gets back to you. I have {$150.00} tied up in Cash App right now and it's ALL THE MONEY I HAVE IN THE WORLD. This is the worst financial company on the planet. When I entrust a company with my money and they stop me from spending it, I GET XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Credit acceptance went and pulled my credit... .two times... 

XX/XX/XXXX and the XXXX... 

I asked the car dealership to stop the transaction... 

Because I has purchased a vehicle with cash... 

I did not need my credit pulled... 

They ( XXXX XXXX - XXXX Ga ) did it anyways... .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX

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 2020-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I do not owe any debts to XXXX XXXX. This company has violated my rights under the FCRA. XXXX XXXX by law had a responsibility to notify in writing of any debts owed to them prior to reporting to any third party credit agencies. They did not do so and can not provide any written documentation addressed to me. 

I filled for bankruptcy In XXXX of XXXX. XXXX  claims that the debt owed to them is from XXXX. If that was true when I filled for bankruptcy in XXXX of XXXX XXXX XXXXs had a legal obligation to appear in court and file for anything they felt was owed. They did not because they I did not then or now owe a debt to them. 

Also, because my bankruptcy was public my address was on file for XXXX XXXX to contact me regarding the debt. This debt is not owed. This is not a valid debt. Any further attempts to collect this debt will result in legal action against XXXX XXXX for violating my rights.

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 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
My hasband and i moved from a property we allowed my sister to take over the property i called the electric to have it turn off at the old property and turned on at the new. My sister called them back saying she was me and had them turn the power back on at the old property without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
At the time I entered a loan agreement with Huntington bank, they detailed all the fees involved with the note, as they should. Now at the time of paying them off, they have decided to tack on additional fees to further increase their profit. These added fees were never disclosed or agreed to. I contacted Huntington Bank to see where in the agreement they indicated these would be additional fees associated with the loan and they agreed it was not in the agreement. In dispute are a fee to fax payoff of {$15.00} and a recording fee of {$30.00}. They did agree to drop the fax fee of {$15.00}. 

If a bank is required to disclose all fees, that means all fees. A bank should not be allowed to just arbitrarily add cost and fees on the back end. They do detail many different fees in the note. It has to be assumed this is a complete list of fees, otherwise, why publish anything if they have the right to just make up fees at the end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: TN

Complaint narrative:
In XX/XX/2016 a missed payment was showing on all of my all of my XXXX  XXXX XXXX student Loans. This is not accurate as I was in forbearance and was attending school at the time and should not have been liable to take a payment. I need these items removed immediately and the company is not researching out doing anything to help with this 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 explanation
Consumer complaint received 2020-11-03 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: TN

Complaint narrative:
In XX/XX/2016 a missed payment was showing on all of my all of my XXXX  XXXX XXXX student Loans. This is not accurate as I was in forbearance and was attending school at the time and should not have been liable to take a payment. I need these items removed immediately and the company is not researching out doing anything to help with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: TN

Complaint narrative:
In XX/XX/2016 a missed payment was showing on all of my all of my XXXX  XXXX XXXX student Loans. This is not accurate as I was in forbearance and was attending school at the time and should not have been liable to take a payment. I need these items removed immediately and the company is not researching out doing anything to help with this 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 explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: FL

Complaint narrative:
This medical collection has been paid by insurance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK
State: GA

Complaint narrative:
Discover Financial Rep responded from Delaware and he indicated he would let me know why I was turned down. He did not, just sent the attached letter -- indicating I call XXXX. They had one error on there and I have just disputed it. It was a mistake and a letter went to XXXX  prior to this to tell them to remove it, they didn't look at the letter. 
I meet the credit scores even with this on, but it will be taken off as well. 
I have attached the letter from XXXX at Discover, no indication as he stated in his response back to CFPB. ( if it lets me attach )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I do not owe any debts to XXXX XXXX. This company has violated my rights under the FCRA. XXXX XXXX by law had a responsibility to notify in writing of any debts owed to them prior to reporting to any third party credit agencies. They did not do so and can not provide any written documentation addressed to me. 

I filled for bankruptcy In XXXX of XXXX. XXXX claims that the debt owed to them is from XXXX. If that was true when I filled for bankruptcy in XXXX of XXXX XXXX XXXX had a legal obligation to appear in court and file for anything they felt was owed. They did not because they I did not then or now owe a debt to them. 

Also, because my bankruptcy was public my address was on file for XXXX XXXX to contact me regarding the debt. This debt is not owed. This is not a valid debt. Any further attempts to collect this debt will result in legal action against XXXX XXXX for violating my rights.

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 2020-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: NM

Complaint narrative:
Complainant : XXXX XXXX and XXXX XXXX Nature of Complaint : Because of a payment error by Ally Bank, I was charged fees and interest on my XXXX card on at least two occasions. 

Amount requested from Ally Bank : {$520.00} - {$320.00} in interest and fees. {$200.00} for the effort and time it has taken with all the emails, chats, and phone calls. 

Details : There have been at least two instances of credit card payments arriving late to XXXX. In both cases there were fees and interest. In the second case, the credit card was turned off. My familys practice is to pay in full by the due date. We dont hold debt except mortgages. 
Each time a bill arrives ( XXXX or any other ), I enter the amount in full and due date. This has mostly worked without issue for years. The Ally Bill pay site calls the due date the delivery date. This means that the bill must arrive on or before that day. XXXX bills are due on the XXXX or XXXX of each month. I have provided the dates of each payment in 2020 below. Until recently, I didnt know how money transferred from Ally to XXXX. XXXX told me that it was mailed. ( Note : the XXXX payment is now shown in the Ally statement, but XXXX has a record of it. ) In my conversation with XXXX, the nice gentleman told me that the XXXX bill was late by a few days. I explained that I used Ally bill pay and scheduled it correctly. It didnt matter to them. XXXX only cares about when they receive it. It doesnt matter if its lost in the mail, delayed, destroyed or anything ; they still charge a fee and interest when they dont receive a payment on time. They agreed over the phone to waive the fee and that amount has been subtracted from the amount Im requesting. 
I started a conversation with Ally about this. In my view, they accepted the responsibility of delivering payments by a certain date. If its late for whatever reason, they should be responsible. As shown in the email chain below, Ally has not accepted accountability. 
Allys remedy is in the future schedule payments days before the due date. ( See email below ) I have a couple problems with this. They should be experts in bill pay and make their own adjustments to deliver payments on time. Thats a burden put on me and any other customer that we are not fit to handle. I dont know the way bills are paid ( mail or electronic ). I dont want money out of my account for longer than necessary. If Allys goal is to pay bills for customers using their platform, they should have a quality control system to make sure mail is delivered on time. If that means sending earlier, confirming receipt, or whatever, thats what they should do. 
Ive spent significant time on the phone and webchat trying to recover losses 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 2020-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: WA

Complaint narrative:
I closed my account with XXXX in XX/XX/XXXX. In XX/XX/XXXX, someone within XXXX reactivated my account with out my authorization or any notice to me. My previous account had been set up with automatic payments via my debit card. Consequently, {$600.00} was paid to XXXX. I contacted the company and was told that the matter had been referred to their fraud department and law enforcement. However, the charges were never refunded to me. 

I contacted VISA and provided date by date records of my communication and copies of the bills. VISA reversed the charges. Thus, I was made whole and I considered the matter resolved.

Within two weeks of the charges being reversed by VISA, I received a past due notice from XXXX and notice the matter was going to be turned over to collections. I called again and talked to multiple people. Eventually I received a short written notice from XXXX dispute section advising me they considered my account overdue. It was clear from the letter that they had merely looked at the financial record of my account and since VISA had reversed the charges, I now owed them money, i.e., no indication at all they had considered that the initial action of reopening the account was not my responsibility. I soon received a written notification from Credence Collections that they were attempting to collect this debt and that I had 30 days in which to dispute the claim. 

I submitted all of the supporting documentation I had sent to VISA along with dates and copies of documents of what had transpired since then. Within two weeks, I received notice from Credence that XXXX considered the debt valid and within days, I received my first collections call from Credence. Any day I expect the matter to hit my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03 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: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
My mortgage was not late for the month. I recieved a alert from XXXX. When i called nationstar they stated it was a mistake but never fixed it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit score with Experian ( ONLY ) has been decreased by 69 points in one day from " excellent '' to " Good '' they say it is because : 1. " Serious delinquency '' ( I HAVE NONE REPORTED ON MY REPORT ) All report " exceptional '' payment history! 

2. " Short account history '' 36 Years 9 mo. is my oldest open account. 

I have an excellent credit rating by both XXXX and XXXX.

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 2020-11-03 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
TRANSWORLD SYSTEMS INC was notified of my Chapter XXXX bankruptcy XXXX yet they have still added an account to my credit report an account to which I have no knowledge. I demand they remove this entry immediately from all major credit bureaus. I demand to know what this debt is for. I demand to know how they obtained my social security number. This entry on my credit report has caused me to be denied for a loan and housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: OH

Complaint narrative:
On XX/XX/2020 my card was reported stolen. I contacted the capital one and the charges were reversed. Subsequently, the on XXXX statement {$410.00} was reapplied to the account. I called multiple times and the company said they were still researching the charges. It is now XXXX and no credits have been applied to the account.

Company response to consumer: Closed with monetary relief