vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
SYNCB/WAL-MART XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The issuing bank reduced my credit line without notifying me of said reduction in credit line from {$500.00} to {$260.00} thus negatively impacting my credit score by raising the ratio of used credit to available credit through the reduction of available credit. This also put me over the credit limit and appears to be on the verge of over credit limit fees being applied. The notice was supposedly generated on XX/XX/XXXX and mailed. When called the company said the only option was a request to increase credit limit which was processed and denied and also will put another credit inquiry on my credit report. This was all discussed via telephone on Friday XX/XX/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 2017-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
My bank, USAA does not participate in the XXXX XXXX program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear on your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.. Case number XXXX XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Convergent Outsourcing has placed a derogatory mark on my credit report stating that I owe {$430.00} to XXXX XXXX. The account in question was closed and settled over 10 years ago. The company placed the negative item on my credit report on XXXX XXXX, 2016.
I have disputed the item on my credit report 2 times with the company and it is still being reported.
At this point, I am willing to spend more than the {$430.00} they are reporting, which is in fact over 10 years old, to bring suit in order to hold them accountable for their business practices.

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 2017-07-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Hi, I received a letter in the mail with a check from Wells Fargo, that relates to the ADMINISTRATIVE PROCEEDING File No. XXXX. I am not satisfied with this settlement as Wells Fargo damaged my credit score, charged me Incorrect late fees, and incorrectly calculated my loan payments. All of this created suffering for me and my family. Why is this money not being charged on interest that they stole from me? Why am I not getting payments for damages caused to my credit report that could have affected me getting another line of credit or lower interest rates? Please let me know who I can contact about filing a lawsuit for this. Why was Wells Fargo let off so easy?

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 2017-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
We purchased our home in XXXX, Illinois and started out with GMAC Mortgage and were bought out by Ocwen Loan Servicing, LLC ( company in XXXX XXXX XXXX, FL ) .We were current on our payments so there was NO reason we should have been given over to Ocwen , who is a debt collection agency instead of a mortgage company. Our payments have gone up considerably on a 30-year fixed loan. Our property taxes and insurance were es-crowed in ; Insurance on the home has stayed the same and property taxes have barely increased over nine years. We have tried to work with Ocwen of why our payments have gone up {$300.00} dollars, thus causing us to not be able to afford our home, but we continue to get the run-around. We started to get behind on payments when this first happened, and even took out a loan against our 401K to catch up payments. Payments were indeed caught up and then Ocwen ONCE AGAIN increased our payment. Sincerely, Very Stressed Out Homeowner

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
I paid of the account in full almost 2 years ago. However, the company constantly keeps reporting the account to the credit bureaus. In addition, the status constantly changes from closed to open. I have reached out to the company several times to remove the account, due to it being paid and full and inaccurate reporting. I am in the process of purchasing a home and ca n't have these errors on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MO

Complaint narrative:
i have went through the BBB to get through this issue with universal acceptance. This battle has gone on for years I have asked over a dozen times that this company validate this debt in return they refuse to do so by asking me to provide them with information to validate the debt. I am aware of the laws that protect me and those that protect companies. The refusal to validate this debt is very bothersome. I am hoping to get this issue resolved in a timely manner for it has held me back many years thus far!

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 2017-07-28 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: WA

Complaint narrative:
I filed a dispute online with Transunion regarding an account that is inaccurate and damaging my credit. The agency took longer than 30 days to respond and did not complete anything at all but send me a copy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I opened this account with XXXX XXXX on XXXX,2004 which is now navient they said I owe XXXX which i think is not correct. I was attending XXXX XXXX University. When I initially signed the loan I was not given an explanation about the loan terms or how much I was signing off for on the loan. I am now not able to keep up on the loan and I feel as if the harrassment of this company has become overwhelming.They call my XXXX year old grandmom every day about 6-7 times a day and it is causing stress. I have called to try to make sensible payments but what they want me to pay I can not afford. They call my phone at least 5 times a day and I have already explained to them I can not afford these payments. They have closed the account on my credit but they continue to harass me daily. This is a personal loan and is pass the statue of limitation but it is still on my credit. This is causing me a lot of grief and pain I can not even get approved for a car because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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: First Data Corporation
State: TN

Complaint narrative:
I applied for assistance with my utilities with XXXX XXXX XXXX and XXXX. XXXX made a payment to account number XXXX. XXXX check number XXXX dated XX/XX/XXXX. Another payment was made on the same account number using check number XXXX, in the amount of $ XXXX-XX/XX/XXXX. A payment was made to EPAY from XXXX XXXX XXXX account number XXXX, in the amount of {$360.00} date XX/XX/XXXX. All of my transactions was being manipulated by the XXXX Family. They 've stolen my identity. Social Security Card have been stolen, my drivers license have been stolen. All my former employers have been changed with all three credit agencies. My last employer from XX/XX/XXXX-XX/XX/XXXXis XXXX XXXX XXXX XXXX . Their ein number is XXXX. IRS can verify my employment with the company. Social Security can verify my employment. My social security number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
I am a XXXX year old widowed XXXX senior citizen who is not only a " Victim of Predatory Lending '' since 2007, but I believe that my " Civil Rights '' have been violated according to the 13th & 14th Amendments of the U.S. Constitution & Certain Congressional Acts, especially applied to an " Individual '' or a " Minority ''. Each year nearly One Million Loans are made with " unreasonable terms '' & " abusively high lending fees ''. The Elderly 's property wind up in Foreclosure, because the institutions know that they can not afford this in the first place! I have been told by Attorney 's at the XXXX Supreme Court house that it is in fact " Predatory Lending ''. I have proof if you need it!
I have submitted with the help of my niece over 25-50 Loan Modifications to the different agencies that were chosen to collect from the Original Mortgage Company, American Dream Mortgage Bankers , Inc. Each one was denied because I could n't afford the payment. The servicing company at this time is Bayview Loan Servicing , LLC. Please note that I am in the process of yet another loan modification that was requested from them and received by my niece on XX/XX/XXXX( please note that my niece receives all the necessary paper work, because I can not do what needs to be done ).
I recently found out that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has the original note.
How is this possible that Banking Institutions can get away with this Injustice? It has been 10 years that I 've been fighting to keep my home, why is n't anything being done to help me? All I keep hearing is " You can not Afford this '' ... .of course I ca n't, I could n't afford this in the first place. Unfortunately, for me it was the first time that I had to handle business shortly after my husband passed.
I have sent copies of my latest " Hardship Letter '' to the Honorable Donald J. Trump USA, The US Dept. of Justice, Civil Rights Division, The Honorable XXXX XXXX, XXXX XXXX, XXXX XXXX, The US Dept. of Urban Development, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. & XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
I now owe on top of my 520.000.00 Mortgage {$350000.00} in late fees. I only receive SS & Veterans Pension for Husband. I have two tenants that lease the 1st & 2nd floor apartments. Please help me resolve this issue once and for all. I am sure there are millions of Seniors in the same place, maybe we should start a " Class Action Suit ''?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Certified Solutions, Inc
State: NY

Complaint narrative:
Every month I receive a collection notice from this company. The debt incurred because the medical people and the insurance company were not speaking. It has been taken care of, The bill was finally paid by ins. in XXXX.
I 'm in their system and automatically get these notices every month ( sometimes every few weeks. ) The medical office said I was not in collections. Yet they keep coming.
I called once and got a very nasty person on the phone who left me on hold for 10 minutes.
I 've written and told them to stop.
Bill was paid. Make them stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
after filing a complaint with the cfpb i tried contacting Synchrony bank and left lots of messages and i did n't get any call back from XXXX XXXX at XXXX ext XXXX i sent them a dispute letter and disputed over the phone but i never got a response from them the results of the dispute i requested from them all documentation what they have to prove there claim but till today 's date i did n't receive anything from them, i believe they are in violation of the FCRA they need to respond within 30 days of the dispute and they did n't, i sent out a dispute letter to paypal on XXXX-XXXX-2017 an a dispute letter to Synchrony bank on XXXX-XXXX-2017 and to XXXX i was requesting validation and i wanted to know how the came up to this amount but i was ignored and nothing was investigated, now here i 'm still in the same situation. i had sent an email to the bank on XXXX-XXXX-2017 to XXXX XXXX President & CEO Of Synchrony Financial and to XXXX XXXX XXXX Executive Vice President & Chief Information Officer at Synchrony Financial an the y never got back to me they ignored my dispute and my concerns,

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 2017-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XXXX XXXX, 2017 I paid XXXX XXXX credit card company the amount of {$500.00}, which is the total of what I owed. The XXXX XXXX XXXX I received a bill from XXXX XXXX stating that I owed them. Which I knew could not have been true because I had just paid my owed debt out leaving a {$0.00} balance on my account. I have been a XXXX XXXX  card holder for about 4yrs. always paid my bill on time except twice. I 've paid over the amount asked. I have not have any problems with XXXX XXXX until now. When I called to find out the problem they told me that I owed XXXX, which as I told the lady that could not be so as I have n't order anything from XXXX. The lady called XXXX and let me speak to them this was cleared up with XXXX and they said they would make the adjustments, I received a e mail from XXXX  stating that the mistake had been corrected. I still received notices from XXXX XXXX that I owed money, by this time I am irate with them because I made it my business to paid XXXX XXXX and a couple of other bills completely out that my credit would be up to part. Now XXXX XXXX said I owe a member ship fee and from my statement I paid that it was covered by the XXXX paid them. This is wrecking my credit which I am trying to make right. I called XXXX XXXX again stating that I wanted them to close the account because I did n't owe them and the late charges were outrageous. The gentleman said that he had closed the account yet XXXX XXXX XXXXontinues to send me notices and bills, threatening me with not being able to use the card I canceled if I do n't paid. Please can this matter be straighten out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX/XXXX/2017, {$2000.00} was added to my account at JPMorgan Chase. I called to report this fraudulent transaction. The CSR refused to take any information about the transaction as " Their system was not working ''. When I asked to talk to a supervisor the CSR hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
The company called me and told me I was past due on my payment I made the payment on time but was never notify that my escrow account went up and was told by the company my escrow account should of never went up so they have put a XXXX day late on my credit for XX/XX/XXXXand XX/XX/XXXX I have asked them to be remove and it still has not been done yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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: ACS Education Services
State: NY

Complaint narrative:
-Original loan amount XXXX -current payoff XXXX -Payments made since 2002 total XXXX -Applied to principal since 2002=XXXX -Applied to interest since 2002=XXXX -Interest rate 7.625 % I have called several times throughout the years to have the above explained to me. I could never get a straight answer. Took a 1 year forbearance in 15 years and it was blamed on that. Also told that in order to make headway I would need to pay before the due date each month, moving my payments up earlier and earlier each month. Something does n't seem right about that. One should be able to pay off their loan paying on the due date each month. However, I have done that and still only paid off a fraction of my loan. I have never made a payment that did not arrive on the due date or before. Monies applied to interest each month do n't seem to make sense. I would like answers. I want to know why money applied to principal is not reflected in my current payoff amount. I want to know in writing how they are calculating interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: OH

Complaint narrative:
I was signed up for Paperless Billing and did not receive any notice from FedLoan servicing that my bill was due in XXXX. In XXXX I spent six days in the hospital and had to have an unexpected XXXX and another in May. In XXXX, my wife and I were reviewing all of my medical and personal bills to ensure we had everything under control. To my surprise my credit score had dropped and I was several months delinquent on my four student loans. Had I known about the payment due I would have set up arrangements as I was intending on returned to school to finish up my degree after my illness. My student loans were put on forbearance, but they refuse to do anything about the delinquency on my credit report even though I did not receive any notice from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
N/A on my account. Ca n't get into it. Ca n't send money

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XXXX-XXXX-2017, I file a complaint against Equifax with complaint number XXXX. about inquires that was reported on my credit report due to fraud! I have viewed my credit report again and as of XXXX-XXXX-17 there are certain inquiries that sting show on my report. In the response from EquiFax, from complaint number XXXX They have stated that XXXX XXXXXXXX and XXXX XXXX XXXX is not currently shows on my reports by them. Again, as of XXXX-XXXX-17, these inquiries are still present on my credit profile.
Equifax, have failed to not only comply with what was stated in their reply to my complaint against them. Equifax, has fail to comply with the Fair Credit Reporting Act Section 1681b ( c ) and continue to report these items is an serious breach of my privacy right.
I am now moving forward to file a compliant with the Attorney General Office and the Better Business Bureau for non compliance of State and Federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The company called me and told me I was past due on my payment I made the payment on time but was never notify that my escrow account went up and was told by the company my escrow account should of never went up so they have put a 30 day late on my credit for XXXX and XXXX I have asked them to be remove and it still has not been done yet.

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