vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
My name is XXXX XXXX, I desperately need to file a complaint against CFPB, and SYNCHRONY BANK, I had a amaz9n store card through them XX/XX/XXXX I paid them off through XXXX  XXXX  XXXX, XXXX SENT A EMAIL ABOUT 3-4 YEARS AGO STATING IT WAS PAID OFF, I WOULD LIKE TO GO TO COURT ON THIS MATTER, OR HAVE SOMEONE CONTACT ME ASAP, ON MY CREDIT REPORT THEY PUT AS BAD DEBT, PROFIT AND LOSS WRITE- OFF, THEY CAME BACK EVERY YEAR AFTER THAT, ON MY CREDIT REPORT HARRASSING ME, CALLING ME, THREATENING ME, I WANT TO GO TO COURT OR SETTLE IT OUT OF COURT, THEY ARE A DISGRACE TO MY CREDIT REPORT, AND CAUSING DAMAGE, AFTER CLOSING IT FOR THE 5 TIME, OPENED IT UP AGAIN ON MY CREDIT REPORT XXXX, XXXX, XXXX, I WANT TO FILE A CLAIM AND MONEY FROM THEM FOR HARRASSING AND TRYING TO KEEP MAKING ME PAY FOR SOMETHING I ALREADY PAID OFF YOU CAN REACH THIS EMAIL OR CALL XXXX Sent from 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 2021-01-06 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
On XXXX XXXX, 2020, PORTFOLIO RECOVERY A add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY A has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I received a XXXX loan deposit into my XXXX XXXX account on XX/XX/2020 that is in my name and another person 's name. The loan was in the other person 's name. They closed it because it is not a business account but he is a XXXX independent XXXX so Capital One said that it didn't have to be a business account. They have frozen all of my accounts and I am unable to use them. I have been calling Capital One for the last two weeks with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: DISCOVER BANK
State: NJ

Complaint narrative:
I checked my credit report recently and saw inquiries that I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
Previously, I filed a complaint XXXX regarding how FedLoan Servicing was counting my qualified payments for XXXX. 

On XX/XX/XXXX, FedLoan Servicing provided the following response and my complaint was closed : " The Office of Consumer Advocacy ( OCA ) at Pennsylvania Higher Education Assistance Agency ( PHEAA ) performed a review of your account. Specifically, we reviewed your payment history, your repayment plan history, and your forbearance and deferment history with each of your servicers. Please Note : PHEAA conducts its student loan servicing operations commercially as American Education Services and for federally-owned loans as FedLoan Servicing. In your inquiry you expressed concern regarding the number of payments credited toward your pursuit of loan forgiveness under the XXXX XXXX XXXX XXXX ( XXXX ) program. Our review of your account determined that you submitted Employment Certification Forms ( ECF ) that were approved for the following periods : XXXX XXXX Government - XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX, Ga XXXX Defender Standards - XX/XX/XXXX To XX/XX/XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX To XX/XX/XXXX, Ga XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX Government - XX/XX/XXXX To XX/XX/XXXX, XXXX XXXX Government - XX/XX/XXXX To XX/XX/XXXX, And XXXX XXXX Government - XX/XX/XXXX XX/XX/XXXX. You have made 105 XXXX-qualifying payments. You can view additional details online at MyFedLoan.org. If you have additional questions regarding your account, please contact FedLoan Servicing at XXXX. Loan representatives are available Monday through Friday from XXXX XXXX to XXXX XXXX XXXX. '' In fact, on my online FedLoan Servicing account the payment tracker was updated to 105 qualifying payments. On XX/XX/XXXX, I received a letter from FedLoan Servicing stating that my XXXX for XXXX had been approved, which was the period of employment that was in controversy previously. 

Shortly before the New Year, I checked my online account again because I had submitted another ECF for XX/XX/XXXX and XX/XX/XXXX and wanted to check the status. I found that my qualifying payment tracker was back down to 93 and the payments made during XXXX were now, again, not qualifying. Of course, when I call or chat with FedLoan Servicing, no one can explain to me what is going on. I need this fixed, again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: NV

Complaint narrative:
Account from AFNI showed up on my credit report without any notification being sent. I advised agent account in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been sending multiple written requests however, the incorrect items listed below still remain on my Credit Report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$470.00}

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 2021-01-06 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
An account that I am not aware of keeps showing on my credit report. XXXX XXXX  XXXX XXXX. It says a balance of {$6500.00}, and opened on XX/XX/XXXX, and I have never opened a XXXX card on this date. XXXX claims that I used their account to obtain goods, and won't give me any proof of me buying goods with stolen funds. I have never opened a XXXX XXXX account with XXXX XXXX. I gave them a police report, FTC Identity Theft report, and filled out their affidavit, and they still harass me by sending junk mail to my home every other day. 

I have had a car lease in XXXX with XXXX XXXX in Texas, but I never had an XXXX credit card. XXXX is reporting this along with Experian Credit Bureau, and I want this fixed asap as it is causing damage to to personal credit file.

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 2021-01-06 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: CITIBANK, N.A.
State: MN

Complaint narrative:
I had a Citibank credit card and was lured in to open a savings and checking account with an incentive of a higher interest rate. It said I only needed to deposit {$500.00} in each to get the offer. I did that and after a month, they charged me a {$30.00} fee because the {$500.00} was considered a " low balance. '' I contacted the company and immediately canceled my checking, savings and credit card accounts. I verified at the end of the conversation that all three accounts were closed and they said yes ( I have screenshots to prove. ) Then they kept the checking account open anyway, and charged me a {$30.00} low balance fee, and then tacked on another {$30.00} overdraft fee for the low balance fee. The account is closed. It was verified. Then I contacted the company and they said oops, the account is still open, but there's nothing we can do. They said I could spend the day on the phone with their call center to try to sort it out but they were unwilling to reverse the fees or make sure the account was closed, as they said it was. They plan to charge me ridiculous fees in perpetuity. Absolutely predatory behavior and the company should be sanctioned.

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 2021-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2021-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion reported on my credit report on XX/XX/XXXX that I have a collection for {$210.00}. That is the wrong date, the account was opened XX/XX/XXXX. I never recieved anything in mail about this account. I called the collection agency and they gave me information and told me that the account was being sent to another address that I know longer stayed at. I paid the debt and Transunion telling me that they can't remove the debt. 

I had no knowledge about this debt when it reported on my credit report. 
The last letter was sent to an address that I know longer lived at, XXXX. I haven't been at that address for 4 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 2021-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The bankrupt company Experian have continued to put fraudulent activity or information in our credit report and informing other companies of the fraudulent information which is heresay and fraud!

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 2021-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been sending multiple written requests but the accounts that are listed below are still showing on my Credit Report in violation of Federal Law. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

1. XXXX XXXX XXXX Balance : {$1100.00} Date Open : XX/XX/XXXX 2XXXX XXXX Balance : {$880.00} Date Open : XX/XX/XXXX 3. XXXX  XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
LETTER OF DISPUTE I disagree with the outcome of the fraud investigation related to my XXXX account. 
XX/XX/XXXX On XX/XX/XXXX Ive visited The XXXX restaurant, located in XXXX XXXX, NY. Approximately around XXXX EST Ive paid for the dinner but ended up leaving the wallet on the table. Ive spent the weekend mostly at home, located in XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, NY. 
However, on Monday XX/XX/XXXX Ive discovered that my wallet is missing, including some of the cash bills, my New York State Drivers License and my Chase Sapphire Reserve Visa Card. When Ive called The XXXX restaurant in order to verify that they have it, but unfortunately, they told me that didnt find any wallet and dont have it. Then Ive gave Chase Fraud department a call in order to report a lost card. 
While Im thankful that Chase removed some of the fraudulent charges from my XXXX account, I acknowledge the fact that the investigation wasnt complete due to some charges being marked as valid as a result of this investigation. Therefore please, consider such but not limited to documents attached 1 ) Copy of the Identity Fraud Report, issued by FTC 2 ) Copy of my NY Driving license with my actual photo issued on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: MT

Complaint narrative:
I just received a random letter for collection from company representing XXXX. We search identifies this as a known scam. More interested in keeping credit rating and history secure. Others have warned against calling company as it gives them your phone number and further ways to harass you. I have never sold on XXXX  and have promptly paid for any purchases, which have been few and far between. I have checked my XXXX  account onnline and do not have any random purchases, nor missed payments. I have never purchased anything with a cost near what they are trying to collect from me. I will attach the scam letter received from " Allied International Credit Corp ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I cancelled an American Express personal card in XX/XX/XXXX at which time a customer service representative told me they would credit the account for an outstanding annual fee of {$95.00} since I was cancelling the card. Then I opened a new card in XX/XX/XXXX and began using it without any issues. In XX/XX/XXXX, charges on the new card were declined because American Express was showing an outstanding balance of {$95.00} on an old card. Customer service basically held me hostage with the {$95.00} balance that was supposed to be credited to my account and required me to make that payment, despite it not being owed, if I wanted my new card to function again. I made the {$95.00} payment, but I dispute that I owed that amount and am amazed that American Express would treat its customers like that, especially those of us that are consumer and small-business customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
A auto loan that was financed under my name that XXXX XXXX Of XXXX was the dealership sold extra products to me ( was suppose to be a cosign loan ) and at my request for gap and I made certain to mention at the said time, NO ADEMDON, CONTRACT ONLY! Yes Ms XXXX, contract, I asked if it weren't XXXX XXXX XXXX and was told once again NO. Latter in the year, the unthinkable happened and the XXXX  truck was totaled. I figured it would be paid off, NOPE. I'm left holding additional {$2300.00} that the gap won't pay off and a negative on my credit with Ally Financial. I have or had awesome credit due to me always paying on time. I asked Ally if they would work with me to drop all interest and late fees and I'd send XXXX XXXX every month until paid off, NOPE Account Info Account Name ALLY FINANCIAL Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/2020 Status Open. 
Status Updated XX/XX/2020 Balance {$2300.00} Balance Updated XX/XX/2020 Recent Payment {$1700.00} Monthly Payment {$790.00} Original Balance {$48000.00} Highest Balance {$0.00} Terms 78 Months Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 30 Current on payments 30 30 Days Past Due Balance History Date Balance Scheduled Payment Paid XX/XX/2020 {$8200.00} {$790.00} {$0.00} XX/XX/2020 {$49000.00} {$790.00} {$0.00} XX/XX/2020 {$48000.00} {$790.00} {$0.00} XX/XX/2020 {$48000.00} {$790.00} {$0.00} XX/XX/2020 {$48000.00} {$0.00} {$0.00} XXXX  XXXX  {$47000.00} {$0.00} {$790.00} XX/XX/2020 {$48000.00} {$790.00} {$790.00} XX/XX/2020 {$48000.00} {$790.00} {$790.00}

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 2021-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CITIZENS FINANCIAL GROUP, INC.
State: MN

Complaint narrative:
We have had this loan since XX/XX/2019 we have paid almost {$6000.00} towards this vehicle the balance only reflects about {$3000.00} the company will not respond to my requests for payment historys and when I tried to refinance the vehicle through my bank I was told this was a predatory lending situation because they basically put me in an upside down loan. I would like this modified to the actual value of the vehicle we have made all of our payments in time and dont deserve this!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: KS

Complaint narrative:
fraud charges due to breach - won a class action suit wont remove off credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: OH

Complaint narrative:
I received a US Bank Reliacard for which I did not apply on XX/XX/XXXX XXXX.They have cancelled the card at my request. I have placed fraud alerts on my credit reports and frozen 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 2021-01-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Ever since I received a VA loan from Navy Federal Credit Union in XX/XX/2019, I have been receiving 2-3 letters per day to refinance into " very low rates. '' I called Navy Federal and asked them not to share my information, and I continue receiving letters. This credit union appears to be taking advantage of the " Navy '' brand and its members to peddle our loan data to low quality vendors. Please have them stop.

Company response to consumer: Closed with non-monetary relief