vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This company XXXX XXXX XXXX/XXXX  ( SYNCB ) have a hard inquiry on my XXXX  report. 
I tried calling to resolve the problem. 
I spoke with a customer service representative. I informed her this is a mistake, I never applied for a credit card regarding the airline. 

This is a mistake and idenity theft, I then ask her to remove this, she told me no, and to call XXXX  and ask them To remove this..then informed me this is not for a airline company. 

And she has nothing to do with it. They are located in XXXX Florida, XXXX. Phone number is. XXXX. Please help me remove this hard inquiry.

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 2019-04-09 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: CA

Complaint narrative:
Upon disputing this record, EXPERIAN failed to provide a method of verification pursuant to the FCRA. By not replying in a timely manner to my initial letter on XX/XX/XXXX they have not only violated federal law, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I made several goodwill attempts to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. They have continued in non- compliance, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), they will be liable for their willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: CA

Complaint narrative:
Upon disputing this record, EQUIFAX failed to provide a method of verification pursuant to the FCRA. By not replying in a timely manner to my initial letter on XX/XX/XXXX they have not only violated federal law, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I made several goodwill attempts to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. They have continued in non- compliance, as in XXXX v. XXXX XXXX XXXX , XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), they will be liable for their willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX I had got a bunch of fraudulent charges on this account. The following are the dates and the amounts : XX/XX/XXXX - {$73.00} XX/XX/XXXX - {$11.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$26.00} XX/XX/XXXX - {$46.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$29.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$48.00} XX/XX/XXXX - {$6.00} XX/XX/XXXX - {$4.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$24.00} XX/XX/XXXX - {$60.00} XX/XX/XXXX - {$48.00} XX/XX/XXXX - {$80.00} XX/XX/XXXX - {$140.00} XX/XX/XXXX - {$42.00} XX/XX/XXXX - {$32.00} XX/XX/XXXX - {$69.00} XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$93.00} XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$47.00} XX/XX/XXXX - {$60.00} I filed a dispute with American Express for these charges and went back and forth through multiple phone calls and faxed in declaration of fraud they requested. After numerous follow ups, they were not able to provide me with any information after stating that they would provide provisional credit while the investigated the claim. 

I never got any provisional credit and never got any calls back. Every time I would contact American Express they would not give me a definite answer and just kept going in circles. 

Finally they sent me a claim denial and would not provide a reason. Instead they said I needed to request in writing for a copy of reason used to come to this conclusion. I sent them a written request and got a response back that they did not have any information to provide. 

I have gone in circles and my fraud claim remains unresolved without any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ph XXXX accXXXX, Im am a first time home buyer who have been victimized by M & T Bank. I was behind two months due to fixing issues to my home, M & T constantly harassed me to remodify my loan. I refused therefore the stated I owed money on my XXXX payment and simultaneously put my account into collections. The demanded that I pay an inflated amount of money and refuse to deduct the XXXX check. It is against bank policy to put an account into collection unless it is 90 days over due. Since then they have place my home up for auction and has refuse to right this wrong, please investigate. In addition The Dept of Financial Service of New your state has proof of my requests.

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 2019-04-09 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: CA

Complaint narrative:
Upon disputing this record, TRANS UNION failed to provide a method of verification pursuant to the FCRA. By not replying in a timely manner to my initial letter on XX/XX/XXXX they have not only violated federal law, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I made several goodwill attempts to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. They have continued in non- compliance, as in XXXX XXXX Trans Union Corp. , No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), they will be liable for their willful non-compliance.

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 2019-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I have sent a payment but was not processed on time, after I sent the payment it took them 3 weeks to process the payment which made it late because of their fault not mine. paid the entire balance, my balance was supposed to be {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient has been raising my interest rates. The rate was 4.25 for years. Now it is over 6 %. I asked to see a promissory note showing I signed a variable interest rate loan and they have yet to furnish one. I believe this company is raising my Interest rates un fairly now that I am close to paying them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
I have been disputed this debt since 2015. I have contact XXXX and ask for proof. Now I have contacted this current collection company, request for a contract and license information. I got a balance print out from XXXX  website and list of license for a lot of state but New Jersey.

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 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: I.Q. DATA INTERNATIONAL, INC.
State: MO

Complaint narrative:
Creditor agreed to delete account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: White Jacobs & Associates
State: TX

Complaint narrative:
In XX/XX/XXXX, I applied for a mortgage loan with XXXX XXXX of XXXX   XXXX & XXXX  and I was told I would need a few more points or a higher credit score to get approved and I was referred to someone described as a credit repair attorney named XXXX XXXX. Turns out, he is not a real attorney. Heres the info ; XXXX XXXX Senior Credit Analyst XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX Office Direct : ( XXXX ) XXXX-XXXX Cell/Text : ( XXXX ) XXXX-XXXX Fax : ( XXXX ) XXXX-XXXX  www.whitejacobs.com/XXXX-XXXX He said his service would cost {$1600.00} and I would see results within three months. He said I can pay {$200.00} per month until I get my tax refund and he expected a payoff after I get my refund. In XXXX, I received a mail package from XXXX XXXX University and it included a written letter disputing the tuition debt I owed them. My signature had been forged on the letter by the credit repair company. I had never seen the letter and no one had asked my permission to sign it. The letter was completely inaccurate and basically accusing the school of fraud, but I did attend that college and I do owe them money. XXXX XXXX had no rights to lie on my behalf. My score dropped 37 points while in their program. It dropped from XXXX to XXXX. I have emails proving I sent them correspondence as they requested. I did my part and they did nothing, but lie. 
On XX/XX/XXXX I cancelled the service by email but XXXX XXXX said I still have to pay {$1000.00} due to the contract. I told him to stop using my debit cards and cease and desist use of my ssn and all personal info immediately. He ignored me, stopped working on my credit and still charged my account. The charge finished processing today. Heres is my email to him. 

XX/XX/XXXX Dear XXXX XXXX ; Please cancel my credit repair service. Thank you for your efforts, but I do not want to continue. Please stop the auto pay and cancel the contract. Also, please stop sending out letters and forging my signature. I no longer want your services. Cease and desist all actions on my credit today. Delete my personal account numbers from your files. 

Thanks! 
SS - In summary, I want my money back and I want this company to stop signing my signature and using my social security number and name immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Missed placed my kohl 's credit card. Called to get a replacement while on the phone I asked for a credit increase from {$500.00} to {$750.00}. The person on the phone check and after they ram my credit they up my limit. I received my new card and increase in the mail. Went to the store to make a purchase of a heating pad for my disability condition. They could not run my card or for that matter even locate my account in their computer. Frustrated I went home. I called kohl 's with no success. I did not receive a letter from them notifying me that the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Good morning my name is XXXX XXXX, We satisfied our home equity line of credit ( XXXX ) with Wells Fargo on XX/XX/2019. Wells Fargo advised on a letter of satisfaction with seven to ten business days. The tenth business day concluded on XX/XX/2019. We contacted Wells Fargo on XX/XX/2019, we were informed the letter of satisfaction maybe in the mail. As of this notice we are awaiting the arrival of the letter of satisfaction for thirteen days. Give the history and reputation of Wells Fargo, we believe it is in consumers best interest to notify the Consumer Financial Protection Bureau of Wells Fargo business practices and in our best interest to seek assistance with obtaining the letter of satisfaction. Thank you for your time and consideration in this matter. We look forward to your 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 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: CT

Complaint narrative:
Loancare is reporting multiple inaccurate payments on my closed mortgage account. which is paid in full and closed. Loancare continues to report multiple late payments on my account after I disputed the late payments on my closed mortgage account. I asked them to provide me with written proof bearing my signature showing that I had some contractual obligation to pay them as well as any supporting documents which would validate why they were reporting such slanderous remarks on my credit profile which is affecting my score and my ability to better my life. They instead send me an XXXX spreadsheet with my alleged payment history that wasn't even billing statements with their letter heads. The Item looked very suspicious and as if it were made up to validate my payment history with the company. The company has not responded to my second or third request to validate payments or remove them and they have also violated the fair credit reporting act by not marking the account disputed with all the credit bureaus that they are reporting these inaccurate payments with.

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 2019-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Recovery Solutions, LLC
State: MD

Complaint narrative:
Asset Recovery Solutions first reported on my Credit report on XX/XX/XXXX in the amount of {$740.00}. I never received any notice from this company nor was I given the opportunity to dispute or request method of verification prior to this company posting on my credit report. I don't know any further information about this debt. I initially contacted this company in XX/XX/XXXX to request proof that this debt belongs to me but was unsuccessful. I've submitted multiple disputes with the credit bureaus to remove this from my record but the dispute results always came back as " account verified as accurate ''. Under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ), I have the right to request the " Method of Verification ''. The credit reporting agency must give you the method of verification information within 15 days of your request. I request " method of verification '' from both the debt collector and Credit bureaus via certified mail and was unsuccessful each time. XX/XX/XXXX, I contacted Asset Recovery again to find some sort of resolution and to request for proof. I was informed that this debt was now sold to another agency, which no contact information was provided. I refuse to pay this company without proof. 

As stated in the FDCPA, Asset Recovery Solutions must send a validation notice within five days of their first contact with you. That initial letter must include a warning known as a Mini Miranda stating : The communication is from a debt collector and that any information obtained may be used to collect the debt. The initial letter must also state you have 30 days to request debt validation, otherwise, they will assume the debt belongs to you. I never received a letter from Asset Recovery Solutions which does not include the Mini Miranda so this means FDCPA has been violated which I will now pursue legal matters. I request proof that this account belongs to me. If this company fails to provide proof, I want them removed off of my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
This Complaint is against Ditech Financial LLC, Ditech Holding Company or wahtever name they chose to do business under today. I've attached documents showing my Escrow Analysis documents from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These documents show an increase in my county tax payments. I believe these are accurate. These documents also shows an increase in my combined Property Insurance which I do not believe are accurate at all. I did not request any changes to my Property Insurance coverage and I have tried to contact the company, but I never get anyone to answer the phone. I also have just received a letter concerning Ditech filing for Bankruptcy so I did some internet research and found thousand 's of  complaints against Ditech and their Holding companies. Many of these complaints are very similar to mine and go far beyond my experiences with this company. I believe Ditech my be charging me for property Insurance that is not required under my mortgage agreement or by city , county or state law.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
{$10000.00} has been missing for 4 days that was transfered from PayPal to XXXX. 
I transferred {$10000.00} from Paypal to my account at XXXX ( XXXX XXXX, XXXX, PA branch ) and I paid extra ( {$10.00} ) for instant transfer at XXXX pacific time, XXXX EST on XX/XX/XXXX. Today, XX/XX/XXXX, 4 days later the money has not arrived and is lost. I made 3 phone-calls to PayPal and they assured me the money left their bank on XXXX XX/XX/XXXX, claiming it is XXXX 's problem, I made 3 phone-calls to XXXX and they claim they never received the money. I made 4 subsequent transfers from sales from PayPal to XXXX ( all smaller amounts, less than {$1000.00} ), did not pay the 1 % or {$10.00} fee for instant transfer, and all of these arrived at the bank the same or the next day. My {$10000.00} is missing and still lost, PayPal claims they send it 4 days ago, XXXX claims they never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc.
State: IL

Complaint narrative:
In XX/XX/2012, I went into a hospital in Wisconsin with XXXX related issues, I had XXXX. I have provided the original hospital with my XXXX number, which they say they " didn't have '' at time of service. I have called two other times and sent it to them directly, at which they said it was too late to go back and bill them now, so it was just " my responsibility now ''. 

Now it's been turned over to a collection agency for about 4 years and they have, in addition to refusing to remove it, seeing that I had insurance and it was THEIR mistake not to bill them, have also ADDED to the original bill, nearly {$300.00} in " mystery '' charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I was requesting a credit line increase. However, I was never told it was going to be a hard inquiry to pursue a credit line increase until the very end of the call. At that point, I declined to pursue the credit line increase, and the call ended. However, a few minutes later I got a notification about credit activity and the hard inquiry was done anyway, even though I gave no consent to do so. I reached back out to the creditor and they said they'd look into it. I have the letter stating the creditor admits to pulling my credit report prior to receiving my notification but will not remove the inquiry from my report. Therefore, I'm enacting my right from the Fair Credit Reporting Act Section 1681, and would like the {$1000.00} fine from the creditor for the erroneous inquiry since they will not remove it from my credit report. 

The creditor is Citibank, N.A., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD 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 2019-04-09 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: MI

Complaint narrative:
I have been awaiting a manual recount of my number of eligible student loans payments for PSLF since  XX/XX/XXXX. It was estimated that they are off by at least 9 payments and this significantly impacts my PSLF eligibility date.

Company response to consumer: Closed with explanation