vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-09 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
One year ago, I purchased a bunk bed with a third sliding bed at the bottom, from XXXX XXXX ( furniture store in my town ) they gave me two lines of credit through Synchrony Bank for them so it was one for the XXXX  XXXX and the other one for the XXXX   XXXX. 

After delivery the sliding bed DID NOT fit the bunk bed so I called XXXX XXXX ( retail  store ) and they took it back, they told me that theyd be back to give me another on that would fit. Now after one year of giving multiple calls, store visits, calls and complains to Synchrony bank no delivery of the sliding bed has been given to me and the worst part I still have a debt to Synchrony Bank for a merchandise that I never receive. I informed Synchrony Bank about this since the beginning and about two months ago I spoke with them again I was told to re-visit the store one last time on behalf of Synchrony Bank to demand the sliding bed, the owner told them that he would do it for sure but he never delivered it. 

My frustration is that I informed about this to Synchrony Bank since the sliding bed didnt fit, they told me to wait for the delivery and if I dont get it, they would do a charge back. I asked them multiple times over a year to charge back the balance but the representatives all the time say I must request the merchandise to the furniture store. They destroyed my credit.

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 2020-10-09 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: AZ

Complaint narrative:
I have a az pua debit card on XX/XX/2020 I tried to make a atm withdrawal of XXXX $ the atm gave me XXXX and went off line I called the atm company and they told me to call my bofa card service and they can refund the remainder of the money I tried calling the claims dept for 2 weeks before I finally was able to speak to someone at the call center and they told me they have to investigate so yesterday XX/XX/XXXX they put the credit in my account before taking it back and basically saying I lied and tried to fraudulently obtain money CASE NUMBER 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 2020-10-09 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: LEXISNEXIS
State: CA

Complaint narrative:
Previously I filed a complaint with CFPB ( Complaint # XXXX XXXX against LexisNexis for maintaining and selling the information they maintain under my social security and not complying with my request to freeze my file, as well as Opt-Out from selling my information. However, despite their claim to have " Security freeze '' on my file and Opt-out of selling my information in the response letter dated XX/XX/2020, they are still selling my information to XXXX. 
This fact is evident in their response letter dated XX/XX/2020 on complaint # XXXX showing the freeze was applied to a different individual file instead of my file " Security Freeze added to XXXX XXXX RiskView file. '' ( See attached letter from LexisNexis ). They have also on the same response letter referred to my name and title inaccurately, simply showing LexisNexis is extremely careless in regards to collecting information and maintaining information accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX/XXXX  XXXX Inaccurate XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Inaccurate XXXX  XXXX Inaccurate XXXX  XXXX  XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.

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 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX Inaccurate XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Inaccurate XXXX  XXXX Inaccurate XXXX  XXXX  XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
I have been a Synchrony Bank/Discount Tire Customer for 14+ years. The last time I purchased anything on the account was in XXXX of XXXX. I paid the card off in XX/XX/XXXX. I logged into the website to check the account and see how much my credit line was to find out that they company had closed my account in XX/XX/XXXX. I reached out to the company and they stated they had mailed a letter. The company confirmed my mailing address. To do this day no letter has been received, they have the correct address. The reason my account was closed was due to our credit score decreasing due to other companies lowering our credit limits and our debt ratio looks terrible now. What poor customer service and to cancel an account for a long time customer with XXXX balance is completely absurd.

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 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I send a letter to a credit bureaus 3 or 4 times requesting they removed items from my report yet they havent respond to any of my letters

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
***PLease don't ignore the attachment for supporting documents***** How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment remarks on my credit for last year 2019. I'm not quite sure what's happening with XXXX XXXX  or XXXX   XXXX  not responding, but as you can see on the attachment, i have approved for extension when i called back the last XXXX and honestly i can not be marked late on my credit report. I've already called them and the representative stated that might be an error that i should contact the credit reporting agencies. I been trying to reach both XXXX XXXX  and all the 3 credit bureaus for more than 90 days and i still haven't received any responses. 


I am not sure how this happened, but this is reporting in error and violation of the written contract and even some CRA is reporting incorrect, incomplete, unverifiable and inconsistent information. One is reporting the wrong date of last active, wrong date of last payment, each bureau are showing different payment status, etc. This is impossible if this was ever verified. Please correct and delete from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
***PLease don't ignore the attachment for supporting documents***** How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment remarks on my credit for last year 2019. I'm not quite sure what's happening with XXXX XXXX  or XXXX   XXXX  not responding, but as you can see on the attachment, i have approved for extension when i called back the last XXXX and honestly i can not be marked late on my credit report. I've already called them and the representative stated that might be an error that i should contact the credit reporting agencies. I been trying to reach both XXXX XXXX  and all the 3 credit bureaus for more than 90 days and i still haven't received any responses. 


I am not sure how this happened, but this is reporting in error and violation of the written contract and even some CRA is reporting incorrect, incomplete, unverifiable and inconsistent information. One is reporting the wrong date of last active, wrong date of last payment, each bureau are showing different payment status, etc. This is impossible if this was ever verified. Please correct and delete from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
***PLease don't ignore the attachment for supporting documents***** How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment remarks on my credit for last year 2019. I'm not quite sure what's happening with XXXX XXXX  or XXXX   XXXX  not responding, but as you can see on the attachment, i have approved for extension when i called back the last XXXX and honestly i can not be marked late on my credit report. I've already called them and the representative stated that might be an error that i should contact the credit reporting agencies. I been trying to reach both XXXX XXXX  and all the 3 credit bureaus for more than 90 days and i still haven't received any responses. 


I am not sure how this happened, but this is reporting in error and violation of the written contract and even some CRA is reporting incorrect, incomplete, unverifiable and inconsistent information. One is reporting the wrong date of last active, wrong date of last payment, each bureau are showing different payment status, etc. This is impossible if this was ever verified. Please correct and delete from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: OH

Complaint narrative:
I received a letter from Franklin Collection Services on XX/XX/2020 stating that I owed {$260.00} to XXXX from FOUR YEARS AGO. I have been told by phone, through email, and by mail correspondence from XXXX XXXX XXXX that I do not owe them any money at all. I gathered all of this documentation and made the dispute through Franklin Collection Services on XX/XX/2020 and it still has not been resolved ( today is XX/XX/2020 ). As a result, by credit score has dropped XXXX points and I still am unable to correct the score to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: CITIBANK, N.A.
State: MT

Complaint narrative:
I logged online to Citibank Diamond Card. I have a been a long time customer of this company since XXXX. When the pandemic started the company lowered our credit limit to right above what was owed on the credit card. This affected our credit score because it was showing that my credit card utilization was at 97-98 %. We struggled when Covid hit, to make payments. We reached out to the company and made payment arrangements. The latest a payment had been was 60 days late. We brought the account current and made payment arrangements and took advantage of the assistance being offered. When the last payment arrangement was made on XX/XX/XXXX everything looked good. On XX/XX/XXXX the company closed our account without our knowledge. We still not received any notification. Citi Bank confirmed our mailing address. We still have not received notification for the limit decrease or notification of cancellation. Our credit cards happened to expire on XX/XX/XXXX and no new credit cards had been mailed out or issued in their system. I believe they had planned to cancel the card prior to XX/XX/XXXX since no new cards had been issued. We also paid for additional services on this credit card. This protection was supposed to help with any type of job loss etc and assist with payments or debt forgivness. We paid for this service for 11 years and they were unwilling to assist us even after we called and let them know it was due to job loss. I reached customer service by telephone and after many painful conversations with the intial customer service reps, I finally was transferred to a supervisor. Let me just say its absurd how rude these intital customer service reps are who answer the phone calls. They were insulting and rude customer service people unwilling to help and told me I had to wait for my letter for reason of cancellation before they could assist me. I find this completely rude and unprofessional and were unwilling to help. I had one customer service person who refused to transfer me to a supervisor and said my husband must be on the phone with me prior to transferring the phone call only to wait another 30 min for a supervisor. I still do not have an answer for the reason my card was canceled. I cant believe that this company is so unforgiving at the time of a major pandemic, resulting in a ruined credit score that will take years to repair.

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 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I send a letter to a credit bureaus 3 or 4 times requesting they removed items from my report yet they havent respond to any of my letters

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 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX XXXX  Balance {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. I also have attached letter from XXXX removing me from debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. Thank you for your prompt attention in this matter. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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:
This afternoon XX/XX/2020 I called Capital One to make a dispute. Unlike all other major credit card companies, Capital One does not allow online dispute claims. Unfortunately, the male voiced person with whom I spoke, could not speak English coherently. Three times I asked him to spell his name, which was impossible to hear properly, Each time he responded with grunting sounds, such as XXXX  and XXXX. It is against the American public interest to be unable to communicate with a financial institution 's customer service personnel. I tried to explain that I was charged {$12.00} fee for the old auto battery, even though the merchant XXXX kept the old battery.. The Capital One rep obviously could not understand English, as he did not ask any questions, but merely said, as best as I could figure out from his sounds, that Capital One would send me a letter in 15 days refusing my dispute. There is NO CONSUMER PROTECTION when Capital One does not provide customer service who speak English properly..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jon Barry and Associates, Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX I received a notification that I had a new account added to my credit file. I looked at my file and noticed that it was a fraudulent account that had been placed by on my credit file. I first interacted with this company in XXXX of XXXX. They placed this account on my credit report and I contacted the company telling them this was not my account. I was told I had to pay it. I then went to the hospital that had this fraudulent account and showed them proof that I was not in the state of Ms to receive services from their company. The woman in the business office told me it would be taken care of and about 2 weeks later the account was taken off my credit file. Now here it is, a year later and this company has placed this fraudulent account on my credit file again while I was in the process of trying to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
ON XX/XX/2020 I reported to Experian that a XXXX  Credit Card did not belong to me. I also made Experian aware that XXXX have removed that account from my credit file. 

In respond to that incident Experian removed that account and dropped my score down XXXX points! Again, I am reporting Experian for their scoring method that is draconian and destructive and by no mean is put in place to help people to improve their credit score. 

No one at Experian can give me a sensible and truthful reasons as to why my score dropped. If the account did not obviously belong to me, then why once again I am being penalized for 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 2020-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX PHH has had a short sale package since XX/XX/XXXX. The file has been escalated yet PHH is refusing to give an update on this file. Today, XX/XX/XXXX we spoke with a Manager XXXX Agent ID XXXX XXXX. This Manager outright refused to get me in contact with anyone who can assist on this file in a timely manner. PHH has had this file since XX/XX/XXXX with no updates. The only appointment available for SPOC is on XX/XX/XXXX. by that point they will have had the file for over 30 days. There is no acknowledgement of what docs they have, what they are missing, or that anything is happening on file. The Manager claims their SPOCS handle " many many files ''. PHH is clearly understaffed for the workload that they have, as they take weeks to even give a followup call. ****************THIS IS A VIOLATION OF THEIR SERVICING OBLIGATIONS AND IS THE TREND WE ARE SEEING ON ALL OUR FILES WITH PHH XXXX THIS IS NOT ACCEPTABLE. *************** I want a callback in no less than 48 hours from a manager with an update on the short sale.

Company response to consumer: Closed with explanation