vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-22 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I tried to use my XXXX 's XXXX Master Card issued by Synchrony Bank at the XXXX XXXX XXXX gas station in XXXX, NY on XX/XX/XXXX, and after waiting for 15 minutes in line and getting to the pump my card kept coming up as inactive. I called the customer service line to find out that the company had close the card on XX/XX/XXXX. I asked why it was closed and was told by the Supervisor that my card was inactive for 2 years and that it was in the terms when I signed up for the card and there was nothing they could to do to reopen my account because it was closed. I insisted that the it has not been 2 years and it was a mistake on their behalf. She couldn't look up the exact date when asked when the card was last used, just insisted it was in XX/XX/XXXX and it was 2 years. The last payment I had made on the card, according to my bank statement, was on XX/XX/XXXX, and I am never late on my payments. They refused to do anything about it. The only thing that could be done is file a dispute with the credit agency, and now I have to wait at least 30 days to hear anything. It is wrong what they do. They don't even send a notice that the card is going to be closed or is in jeopardy of being closed. Now my credit will be effected by this closure, and I have an Exceptional credit score in the XXXX. This company is not right in what they do to their clients.

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 2018-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
ocwen loan servicing is attempting to foreclose on my home with assignments that are clearly robo signed by well known robo signers. The assignments are fraudulent that were used to transfer the mortgage. The have refused to modified or restructure my loan. I also sent a QWR, and a debt validation letter. I am yet to receive a response. I have asked that the sale for XX/XX/2018 be stop until my concerns were address

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 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: Leaders Financial Company
State: TN

Complaint narrative:
XXXX XXXX its not on XXXX but its on XXXX   and some hard inquiries I want you off

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 2018-04-22 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: GA

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are the dates this Finance Company check my credit without my permission. Ive reached out to this company multiple times with no luck. This is a auto finance company, I have not given anyone my permission to finance anything with my credit nor have I applied for any finance loans. Ive been back and forward with the credit bureaus working on my credit fraud case. So Im contacting this company directly to have these inquiries removed and or deleted off of my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
Bank opened an account without my authorization. Did a hard inquiry into my report, which reduced my credit score a few weeks I had to apply for student loans. I never requested the credit card or to open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 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: Credit Karma, LLC
State: GA

Complaint narrative:
I financed a XX/XX/XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX the vehicle was involved in a accident, XXXX paid on the car and the gap insurance paid the rest. I don't remember the exact date but recieved information that the car was paid off. I believe it was at the end of XX/XX/XXXX. The status of the loan is still open on my credit report and it's making it hard for me to get a home loan. I will be contacting XXXX XXXX XXXX today. Please respond with solution to help me. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Bank opened an account without my authorization. Did a hard inquiry into my report, which reduced my credit score a few weeks I had to apply for student loans. I never requested the credit card or to open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
IN REGARDS TO EQUIFAX : XXXX. XXXX XXXX XXXX GA XXXX, XXXX  : XXXX. XXXX XXXX XXXX TX XXXX, XXXX  XXXX. XXXX XXXX XXXX, PA XXXX I'M TRULY APPALLED ON HOW 3 CREDIT BUREAUS ESPECIALLY EQUIFAX HAS BEEN CONDUCTING THEIR INVESTIGATION PROCESS AND THEIR VALDIATION AND VERIFICATION PROCESS AS WELL. I NOTICED THAT I HD BEEN A VICTIM OF IDENTITY THEFT DUE THO THE EQUIFAX BREACH OF DATA AND HAVE BEEN TRYING TO CORRECT SOME ISSUES THROUGH THE AGENCY, BUT I KEEP GETTING PUSH BACK FROM THEM WHEN IM CLEARLY TITLED TO A FREE ANNUAL CREDIT REPORT OF 12 MONTHS. NOT THE CASE HERE I FOUND THAT EQUIFAX HAS MY SOCIAL SECURITY NUMBER WRONG LINKED TO SOMEONE ELSES AND THEY REFUSE TO SEND ME A COPY OF MY FULL REPORT. I CALLED IN AN VERIFIED AS WELL AS SENT LETTERS CERTIFIED AND FAXED OVER DOCUMENTATION PROVING THAT, I AM WHO I SAY I AM. I PROVIDED A COPY OF MY LICENSE AND SOCIAL SECURITY CARD AS WELL AS A COPY OF MY BANK STATEMENT FOR EXTRA PROOF MY ADDRESS. I PROVIDED THIS NOW TO A BUREAU THAT HAS FRIVIOULOUSLY HANDLED DISPUTES AND MILLIONS OF AMERICANS PERSONAL INFORMATION. ONCE I FOUND OUT THAT MY SOCIAL SECURITY NUMBER WAS INCORRECT I IMMEDIATELY CALLED TALKED A REPRESENTATIVE AT EQUIFAX THAT STATED IN ORDER FOR ME TO GET MY FULL CREDIT REPORT I MUST FAX OVER MY W2 TO PROVE WHO I AM. 
HELLO WHAT THE XXXX IS A COPY OF MY LICENSE AND SOCIAL SECURTIY CARD FOR? I'M LOST FOR WORDS AND SOMETHING NEEDS TO BE DONE ABOUT THESE BUREAUS MIXING UP PEOPLES INFORMATION AND REPORTING INACCURATELY TO SELL OUR INFORMATION TO MAKE A PROFIT OFF OF. I UNDERSTAND THE GAME THE BUREAUS PLAY WITH THE LENDERS AND CREDITORS, BUT AS A CONSUMER I HAVE MY RIGHTS. WHY WILL I FORK OVER MY W2 TO A BUREAU THAT HAS BEEN COMPROMISED. I THINK NOT. MY IDENTITY HAS ALREADY BEEN STOLEN IM TRYING TO REPAIR IT NOW WITH ALL THESE SCAMS GOING ON IN TODAY 'S WORLD WHO CAN YOU TRUST.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-22 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: PA

Complaint narrative:
Equifax Confirmation # XXXX XX/XX/XXXX has XXXX XXXX is over 7 years old and Equifax has the account showing by Equifax as XX/XX/XXXX with no activity and the account was sold. 
Eqiufax also has incorrect information as date reported XX/XX/XXXX last Activity showing XX/XX/XXXX by Equifax there was or no XX/XX/XXXX reports of no such account and as account history shows XX/XX/XXXX as last stated by EquifaxTo many errors on Equifax reporting methods and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Credit Karma, LLC
State: CA

Complaint narrative:
CREDIT KARMA HAS MY OLD ADDRESSS LISTED IN MY PERSONAL INFORMATION PROFILE AND IVE RECENTL used XXXX to take advantage of my free addresss change and for my XXXX address change since we are moving soon. Credit karma will not allow me to iMMEDIATELY change mt address on file and i jave JUST applied for XXXX XXXX  XXXX credit cards.today is sunday XX/XX/XXXX and i applied for XXXX XXXX XXXX credit cards yesterday on saturday XX/XX/XXXX online using the " Recommendation '' portion of the website while logged into my account. My concerns are my identity will be compromised and/or my credit card information will be stolen. Also another MAJOR problem is XXXX vehicles are reported or shown as my vehicles on credit KARMA but they are NOT. I removed them becuase i am NOT the rightful owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 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: Westlake Services, LLC
State: GA

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are the dates this Finance Company check my credit without my permission. Ive reached out to this company multiple times with no luck. This is a auto finance company, I have not given anyone my permission to finance anything with my credit nor have I applied for any finance loans. Ive been back and forward with the credit bureaus working on my credit fraud case. So Im contacting this company directly to have these inquiries removed and or deleted off of my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
I had a XXXX year XXXX XXXX with an apartment complex called XXXX XXXX XXXX. 60 days prior to my lease ending, I gave them a 60 days notice, and continued to pay my for the final month which was in XX/XX/XXXX of XX/XX/XXXX. They are claiming I owe them 2 month Rent plus Interest? THAT'S IMPOSSIBLE, when my lease didn't end till XX/XX/XXXX and it was paid in XX/XX/XXXX and they were fully aware. When I saw this and called the Leasing Office, management told me my files were lost because after a new company took over, and I needed to contact HUNTER WARFIELD INC to dispute, I've called the collection agency and has been disputing this for almost 3 years now.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
IN REGARDS TO XXXX : XXXX. XXXX XXXX XXXX GA XXXX, XXXX : XXXX. XXXX XXXX XXXX TX XXXX, TRANSUNION XXXX. XXXX XXXX XXXX, PA XXXX I'M TRULY APPALLED ON HOW 3 CREDIT BUREAUS ESPECIALLY XXXX HAS BEEN CONDUCTING THEIR INVESTIGATION PROCESS AND THEIR VALDIATION AND VERIFICATION PROCESS AS WELL. I NOTICED THAT I HD BEEN A VICTIM OF IDENTITY THEFT DUE THO THE XXXX BREACH OF DATA AND HAVE BEEN TRYING TO CORRECT SOME ISSUES THROUGH THE AGENCY, BUT I KEEP GETTING PUSH BACK FROM THEM WHEN IM CLEARLY TITLED TO A FREE ANNUAL CREDIT REPORT OF 12 MONTHS. NOT THE CASE HERE I FOUND THAT XXXX  HAS MY SOCIAL SECURITY NUMBER WRONG LINKED TO SOMEONE ELSES AND THEY REFUSE TO SEND ME A COPY OF MY FULL REPORT. I CALLED IN AN VERIFIED AS WELL AS SENT LETTERS CERTIFIED AND FAXED OVER DOCUMENTATION PROVING THAT, I AM WHO I SAY I AM. I PROVIDED A COPY OF MY LICENSE AND SOCIAL SECURITY CARD AS WELL AS A COPY OF MY BANK STATEMENT FOR EXTRA PROOF MY ADDRESS. I PROVIDED THIS NOW TO A BUREAU THAT HAS FRIVIOULOUSLY HANDLED DISPUTES AND MILLIONS OF AMERICANS PERSONAL INFORMATION. ONCE I FOUND OUT THAT MY SOCIAL SECURITY NUMBER WAS INCORRECT I IMMEDIATELY CALLED TALKED A REPRESENTATIVE AT XXXX THAT STATED IN ORDER FOR ME TO GET MY FULL CREDIT REPORT I MUST FAX OVER MY XXXX TO PROVE WHO I AM. 
HELLO WHAT THE HECK IS A COPY OF MY LICENSE AND SOCIAL SECURTIY CARD FOR? I'M LOST FOR WORDS AND SOMETHING NEEDS TO BE DONE ABOUT THESE BUREAUS MIXING UP PEOPLES INFORMATION AND REPORTING INACCURATELY TO SELL OUR INFORMATION TO MAKE A PROFIT OFF OF. I UNDERSTAND THE GAME THE BUREAUS PLAY WITH THE LENDERS AND CREDITORS, BUT AS A CONSUMER I HAVE MY RIGHTS. WHY WILL I FORK OVER MY XXXX TO A BUREAU THAT HAS BEEN COMPROMISED. I THINK NOT. MY IDENTITY HAS ALREADY BEEN STOLEN IM TRYING TO REPAIR IT NOW WITH ALL THESE SCAMS GOING ON IN TODAY 'S WORLD WHO CAN YOU TRUST.

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 2018-04-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
My credit application was denied in violation of 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 2018-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I'm asking the CFPB to obtain a copy of Wells Fargo 's mortgage contract between XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and Wells Fargo Home Mortgages XXXX XXXX XXXX XXXX XXXX IA XXXX Their attorney sent XXXX XXXX a draft of a contract that did not meet Federal criteria. I sent this document to one of 13 Federal Handwriting Examiners, and this document failed. It was not XXXX XXXX signature. It was a signature retrieved from XXXX. It was a digital signature. It was a copied signature. It was not a blue or blue-black ink signature. Wells Fargo continues to state they have a signed contract. They do not. Their attorney is XXXX XXXX of XXXX Law Firm in XXXX XXXX, Iowa. You are being asked to get from Wells Fargo the legitimate signature stated they have. I've been trying for 10 years. This is the last request before court. 
XXXX XXXX Cell : ( XXXX ) XXXX Email : XXXX Mailing Address : XXXX XXXX XXXX, XXXX XXXX, Illinois 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 2018-04-22 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 — Problem with personal statement of dispute
Company: Westlake Services, LLC
State: VA

Complaint narrative:
In XX/XX/XXXX I paid my account in full with a verbal agreement made by Westlake Financial to delete the entire account off all three of my credit reports. XXXX still shows the account as open. XXXX and XXXX show them as closed and paid. They payment history on all three are showing different information. XX/XX/XXXX, I received a letter with no acknowledgement or agreement of removing the accounts. They refuse to delete this information as verbally agreed by them in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
On XX/XX/2018 I sent money through moneygram to my uncle XXXX XXXX that resides in XXXX XXXX XXXX.I gave my uncle the reference number so he can collects the fund at moneygram store in XXXX. Armed with his identification card my uncle was refused to collect the money unless he called moneygram HQ in the XXXX. 
When I was informed I called moneygram to request a cancellation of my transaction and requested a refund. Moneygram stated they can not issue me a refund and my uncle in XXXX XXXX has to call them even my uncle does not speak english. 
My uncle contacted a translator, called, and moneygram decided not to release the funds to my uncle. 
After multiple attempts of my part moneygram refuses to refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
nationstar /mr copper, is attempting to foreclose on my home with a fraudulent that contains robo signers. I have asked that the foreclosure be stopand my QWR be answer with the debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 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: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
On or around the end of XX/XX/XXXXI pulled my credit report and noticed that Santander Bank is reporting false information on my credit report with regards to a car loan that I had with them in XX/XX/XXXX. At that time I notified several credit reporting agencies of the error, they did an investigation and reported updated information from Santander that is still false. I want immediate resolution and expect that if I am denied credit because of their actions that they will be held accountable. 

Complaint Description : I had a car loan with Santander Bank which was paid in full XX/XX/XXXX, Santander is illegally reporting to the credit agencies incorrect information. Account Number : XXXX Make : XXXX XXXX XXXX VIN : XXXX Account Paid in Full Date : XX/XX/XXXX ( per confirmation on Santander letterhead ) Santander has reported this account has charged off on my credit report also has reported inaccurate information after I disputed the information, they added more incorrect information. Status on my credit report : Bad debt & placed for collection & skip They have also updated my credit report that I have not paid since XX/XX/XXXX through XX/XX/XXXX. Which appears as 48 times that I have missed payments, this is materially false information and when asked to correct they have not complied. I have documented a paid in full letter dated on XX/XX/XXXX. With this documentation and the behavior of Santander Bank I have legitimate documentation they are violating consumer credit laws. I would like to avoid legal action against Santander if they will accept my proposed resolution of immediate deletion of my account with all 3 credit bureaus, XXXX, XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
AGENCY TRYING TO A COLLECT A DEBT IN WHICH WE HAVE NO CONTRACT

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 2018-04-22 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: TX

Complaint narrative:
For approximately one year, I have been trying to certify employment with XXXX XXXX to track payments for the public service loan forgiveness program. Every time I sent in forms, their customer service would tell me either the form was never received or one of their employees entered the information incorrectly, or there was a miscalculation with the number of qualifying payments. Each time they told me they would fix it and contact me and each time I am never contacted. Every time I call in, there is a new problem. They are intentionally stringing me along to prevent me from qualifying for loan forgiveness. I have all the documentation to prove my efforts for approximately one year and they still have not accurately tracked my eligible payments. I have only worked in public service, so all payments should qualify. They are giving me approximately two years of payments yet I have been working in public service for almost 7 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-22 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: Ocwen Financial Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX   Even after I entered into a forbearance program in XX/XX/XXXX after being a victim of natural disaster ( Harvey ) in XXXX Texas, they are are reporting a late payment for me inXX/XX/XXXX ... they had specified no late payments were going to be reported. This had ruined my credit and I need this late payment to be removed and status to be current. On top of all this they stopped reporting my payments after they reported that late pay. So as of now XX/XX/XXXX, my payment history is inaccurate and they are not willing to correct it. I have called them numerous times, and they just say they will get with me but never do. Not only did they report a late pay that they were not supposed to but also have stopped reporting my payments after that.

Company response to consumer: Closed with explanation