vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Synchrony bank keeps relentlessly sending me emails about a Walmart card I did not create or use to buy anything from like 2 years ago. Wo n't leave me alone or anything when I tell them I made no such card or purchases. They charged interest on a XXXX dollar overdue amount from 2015 it says and now they want me to pay XXXX dollars for things I did n't even buy!!!

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 2017-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I initiated an email to XXXX XXXX XXXX XXXX explaining that because of my XXXX XXXX XX/XX/XXXX, my income has decreased to the point of being unable to make the payments. I inquired about the possibility of rewriting the loan to lower the payment. I was elated to receive a call back from the company 's executive offices. The representative opened a case and began to research the various options. They concluded that although they were unable rewrite the existing loan, they proposed to allow the loan to charge off and subsequently draw up a new agreement with lower monthly payments. I was told that the executive office has the authority to act on behalf of the CEO, XXXX XXXX. I agreed to proceed with this plan. 
A few days later, the representative from the executive offices called me to explain that the file was being given to another individual in the Collections Escalation Dept. When I talked to this gentleman, he explained to me that the account was now in a " holding queue '' and would eventually be sent to another department. He assured me that he understood the plan to restructure the monthly payments after the account charges off. He advised me that if I made any payments to the account, it would prolong the charge off process. Therefore, it 's best not to make payments. 
Well, this gentleman never informed me when the account was turned over to the next department. The company never informed me when the account charged off, and when it was ready to execute the new agreement. On XX/XX/XXXX, we walked outside to find the car missing from the driveway. The company repossessed the car without a new agreement. I tried to reach the gentleman from the Collections Escalation Dept, but he has not made contact with me.

I sent a new email to the executive offices and they reopened my case but concluded that there is nothing that can be done. They are not honoring the agreement to restructure the monthly payments. I did n't respond to any system generated notices because I was led to believe my account was given special handling by the executive office.

Caution : I did n't have anything in writing. I trusted that my account was being handled at the highest level. Fortunately, the company recorded all of my conversations, but I do n't know how to gain access to these recordings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-25 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: EQUIFAX, INC.
State: OR

Complaint narrative:
Equifax still has something from XXXX XXXX XXXX that has been closed since 2008. It is over XXXX XXXX XXXX and is negatively affect ing my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
I had already paid my debt owed of {$180.00} to my credit to a while and XXXX XXXX XXXX XXXX XXXX took over the account as a collection and send me a letter demanding payment that 's I paid again to the collection agency not realize that I had already paid my credit or there for the amount that I paid the collection agency which is {$170.00} is owed back to me because the balance was XXXX therefore I am requesting a refund of {$170.00} from XXXX XXXX XXXX XXXX XXXX The collection agencies account number is XXXX and the Creditor is wow the last 4 of my social security number is XXXX for some reason this phone will not allow me to enter this information the proper fields

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 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: AMERICAN HONDA FINANCE CORP
State: OK

Complaint narrative:
I received a promotional offer from XXXX XXXX to terminate my current lease by buying or leasing a new XXXX model. There were also several coupons for services to choose from if you took a XXXX for a test drive. On XX/XX/XXXX I went to Honda with the intention of purchasing a vehicle, but after the air conditioning didnt work on the test drive vehicle and a payment plan couldnt be agreed upon, I left in my current lease. Without my consent or knowledge, XXXX XXXX issued a hard pull on my credit which is effecting my credit score. As I did not initiate a new lease or purchase I dont see why they should have pulled my credit especially after the sales man assured me my interest rate would be low when I verbally told him my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: KY

Complaint narrative:
Debt needs to remove off of my credit report ... sent in a DEBT VALADATION LETTER TO XXXX XXXX in XXXX 2017. They have not vi the DEBT and this not my DEBT. I have toward all info including letters and certified sign return receipt to all 3 credit bureau and XXXX will not remove it and they have all PROOF that I have mailed XXXX XXXX to vi debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MN

Complaint narrative:
1 ) XXXX XXXX indicated that my last mortgage modification would bring my loan current to XX/XX/XXXX. My loan was brought current to XX/XX/XXXX. This was escalated for resolution and has yet to be resolved. 

2 ) I wrote a letter indicating issues with my mortgage modification and that I wanted to proceed with a Bayview in-house modification, and I sent in the request for resolution within 30 days after signing ( the instead offered and accepted HAMP mortgage modification ) documents to indicate issue. This has yet to be resolved. 

3 ) I sent in all documentation requested of me by XXXX XXXX ( and XXXX XXXX ) and communicated regularly with employees at Bayview Loan Servicing to indicate my intention to avoid foreclosure. I have complied with sending any and all documentation requested to qualify for work out options. This has yet to be resolved as work out options have not been communicated to my attorney ( to the best of my knowledge ). 

4 ) XXXX XXXX told me in recorded phone conversations that I would be eligible for a repayment plan, and then would n't get back to me until after my mortgage was referred to foreclosure attorneys at XXXX XXXX XXXX XXXX XXXX attorneys, resulting in thousands of dollars of extra fees that included payments due that were to be deferred in my principle balance, and then authorization was given twice to proceed with scheduling a foreclosure sale of my home. This is dual tracking in Minnesota and extremely poor business conduct, which has led these issues being addressed today. 
I am submitting this complaint to indicate that I am still trying to resolve these issues. 

5 ) My attorney has requested all work out options available to me from Bayview Loan Servicing,  and has yet to receive these options, to the best of my knowledge. Please send them. 

6 ) I am trying my best to work with Bayview to collaboratively avoid foreclosure, which has been my stated intention all along. It is in the best interest of everyone involved to avoid foreclosure of my home. I request resolution of these complaints and ask for any and all assistance. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I received an email from XXXX Customer Service. This is the company Equifax has contracted with to provide everyone who was a victim of their data breach. The email states that I have a new account. I log in and find out that it is an OLD collection account from XX/XX/XXXX. I am XXXX and on Social Security XXXX. I have been since XX/XX/XXXX. I was previously told it was removed, and it was, but now it has reappeared. It is for XXXX XXXX out of XXXX XXXX, but the collection agency is out of XXXX, CA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I received a promotional offer from XXXX XXXX to terminate my current lease by buying or leasing a new XXXX model. There were also several coupons for services to choose from if you took a XXXX for a test drive. On XX/XX/XXXX I went to XXXX with the intention of purchasing a vehicle, but after the air conditioning didnt work on the test drive vehicle and a payment plan couldnt be agreed upon, I left in my current lease. Without my consent or knowledge, XXXX XXXX issued a hard pull on my credit which is effecting my credit score. As I did not initiate a new lease or purchase I dont see why they should have pulled my credit especially after the sales man assured me my interest rate would be low when I verbally told him my credit score.

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 2017-11-25 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I received a promotional offer from XXXX XXXX to terminate my current lease by buying or leasing a new XXXX model. There were also several coupons for services to choose from if you took a XXXX for a test drive. On XX/XX/XXXX I went to XXXX with the intention of purchasing a vehicle, but after the air conditioning didnt work on the test drive vehicle and a payment plan couldnt be agreed upon, I left in my current lease. Without my consent or knowledge, XXXX XXXX issued a hard pull on my credit which is effecting my credit score. As I did not initiate a new lease or purchase I dont see why they should have pulled my credit especially after the sales man assured me my interest rate would be low when I verbally told him my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NC

Complaint narrative:
In XX/XX/XXXX, our daughter was entering college and I applied for a Parent Plus Loan. I completed the application. My husband 's information was not required or requested. Our daughter 's school application had both her father and I on the loan. My husband and I share a bank account and have always shared a bank account. My husband and I have only this XXXX child and have been married since XX/XX/XXXX. In XX/XX/XXXX, my husband was injured in a fall at work which subsequently ended in XXXX XXXX. Shortly after his injury, we filed Chapter XXXX bankruptcy because we were unable to pay all our bills with him now being on workman 's comp and receiving 60 % of his normal income and the knowledge of XXXX XXXX forthcoming. At the time of the application for the Parent Loan, our income together was close to $ 90,000+ per year. Our income sharply declined to our current level of {$39000.00} for me and {$21000.00} for him. I have contacted XXXX and XXXX the servicers of the loan and explained the situation. Their policy is to forgive the loan should a parent become XXXX. They refuse to forgive this loan of {$17000.00} and our daughters loan of {$14000.00} because my husband did n't sign the loan application, YET they are wanting to debit OUR joint account for payment. My last conversation was on Wed XX/XX/XXXX and we have {$150.00} in our account. They wanted to debit {$240.00} on XX/XX/XXXX. I can provide all substantiating documents regarding the loan and my husbands XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 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: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I received an email from XXXX Customer Service. This is the company XXXX has contracted with to provide everyone who was a victim of their data breach. The email states that I have a new account. I log in and find out that it is an OLD collection account from XX/XX/XXXX. I am XXXX and on Social Security XXXX. I have been since XX/XX/XXXX. I was previously told it was removed, and it was, but now it has reappeared. It is for XXXX XXXX out of XXXX XXXX, but the collection agency is out of XXXX, CA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
When I reviewing my credit card statement I found transaction on XX/XX/XXXX for XXXX XXXX it was $ {$1200.00}. I did not made this transaction and my XXXX account is blocked before that date and I did not use it. 
I filed a fraud claim on XX/XX/XXXX to bank of america and they return the amount to my credit card account on XX/XX/XXXX. 
But on XX/XX/XXXX the charge me again XXXX I called bank of america again they told me that the items were shipped to my address but I did not receive any thing. He told me that I can active that claim again.I answered ( Yes please ) but the amount still in my statement. 
I received a letter from bank of america on XX/XX/XXXX that they were unable to assist and the decision has not changed. 

I did not made this transaction. 
As I know I should be not liable for this transaction. 
Thank you

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 2017-11-25 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: TX

Complaint narrative:
I have not authorized these companies to pull my credit. I have asked XXXX, XXXX & XXXX to remove these inquires. They have not done so at this point

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 2017-11-25 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: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
XXXX XXXX claims I owe them {$4300.00}. They started sending me letters stating that I owe them money so I sent a letter asking them to verify the account with any documentation bearing my signature on XX/XX/XXXX. They could not provide my signature so they sent another bill. I responded with another letter on XX/XX/XXXX asking them to provide my signature or remove this from my credit reports. The information was still on my credit report so I sent a final letter on XX/XX/XXXX asking to remove this or I would take them to court for 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act. 

They called my parents home that I have not lived in over 10 years and discussed me " owing '' them money which clearly violates the Fair Credit Reporting Act. 

I do not want to go to court but I want this off of my credit report. This is costing me more money in interest payments and has kept me from getting much needed credit. I have been denied credit because of this information that they have yet to provide my signature. 

A lawsuit will be my next step.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have not authorized these companies to pull my credit. I have asked XXXX, XXXX & XXXX to remove these inquires. They have not done so at this point

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 2017-11-25 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: NH

Complaint narrative:
Experian and XXXX refuse to remove the three accounts on my credit, XXXX removed them already. XXXX REMOVED ALL EDUCATION ACCOUNTS BECAUSE THEY ARE NOT MINE! They belong to my aunt with the same exact name as me by marriage! Remove or Im getting a lawyer!

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 2017-11-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
To whom it may concern : On XX/XX/XXXX I went to Wells Fargo bank to get a credit line for {$5000.00}. They informed me that the annual interest rate would be between 8 to 10 % and the charges would be made based in my spending not in the total credit line. On XX/XX/XXXX I started using this credit to build my credit score, but I realized that they lied to me : the interest rate they are charging me is widely higher than they initially told me it would be, and the charges are totally unfair. My last amount payment was for {$150.00} from which only {$17.00} has been taken as capital payment, and the rest has been taken as interest ( see attachment ). Also, when I called customer service to dispute this unfair charge and present a complaint, nobody, from any department can gave any solution to my problem. They just did pass me by apartment to apartment without solution or clear information regarding my concern. Showing throughout this that they are unprofessional and dont solve the problems their services produced. 
I reported this to the Financial Consumer Protection Bureau, with case number XXXX. However, Im still waiting for a fair response and a real solution because the only answer I got from them was on XX/XX/XXXX telling me that : they are following the procedures according to the contract and that everything is fine. Gentlemen, anything is ok, I did not sign a contract under those conditions. They lied to me and made me sign a misleading contract, with a convenient yearly interest rate for them, which is of about 20.500 %, is useless, and I am not agree with. 
Overall, I respectfully request the adjust of my interest rate to the rate they initially offered me. 

Sincerely, 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 monetary relief
Consumer complaint received 2017-11-25 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: NH

Complaint narrative:
XXXX and Equifax refuse to remove the three accounts on my credit, XXXX removed them already. XXXX REMOVED ALL EDUCATION ACCOUNTS BECAUSE THEY ARE NOT MINE! They belong to my aunt with the same exact name as me by marriage! Remove or Im getting a lawyer!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 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: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
my card was stolen and used about a month month and a half ago they credit some charges but still have me charged for over 2000k i should have a XXXX balance i called today to tell them they forgot charges they told me to call 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