vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In my first letter dated XX/XX/XXXX I asked Transunion to remove a XXXX mortgage loan because the balance is XXXX the account opened XX/XX/XXXX has had no payments since XX/XX/XXXX. This is over 7 years and must be deleted from my Transunion credit report. They responded by not removing the item and not giving me any reasons. In my second letter I asked eight specific questions, and to date have not received any answers. Three months is too long a time to not received any answers. Please ask them to removed this from 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 2017-04-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a Care Credit account at Synchrony Bank. I went to the website to have {$100.00} withdrawn from my checking account each month. Unbeknownst to me, the option to " pay In Full '' was also checked. ON XX/XX/XXXX they withdrew {$3000.00} from my checking account. I did n't check my account for a week as I had a running total in my mind as to what I had in the bank. Again unbeknownst to me, My bank had been withdrawing from my savings to pay my bills. I called Synchrony for a refund and they said 3 to 5 days, I called a second time and was told 7-10 days, the third call I was told it would be 15 days, the fourth call, which was yesterday XX/XX/XXXX, I was told two to three weeks and TODAY I was told the check had been mailed XX/XX/XXXX. I still do not have my check, I have overdraft fees and I am hungry. I am beyond furious. I asked for a transcript of my calls and was told I could n't have it. I did ask for them to wire the money back to me and I was told that they could n't do it. My brother who is a XXXX in Illinois said that they can but obviously did n't want to. He is the one that suggested I contact this agency.. I have complained to the BBB and would like to know if there is anyone else I could contact. PLEASE help me!!!

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 2017-03-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivable Recovery Services, LLC
State: LA

Complaint narrative:
I paid {$170.00} to my doctor 's office on XX/XX/XXXX ( cleared bank and posted to medical office account on XX/XX/XXXX ). This is a debt which I still believe is not owed but was willing to make payment so that it would not be reported on our credit report. 

Received 1st letter from Receivable Recovery on or near XX/XX/XXXX. Called the agency and informed them I did not believe I owed the debt and requested records from BOTH Receivable Recovery and the doctor 's office. I also informed Receivable Recovery that I would make payment in the meant time. To date, I have not received records from either entity. 

Received a call yesterday from Receivable Recover. Called them back and they told me I had not paid yet. ( Note that I had received multiple calls each day for a XXXX # with no voicemail on the Friday and Monday prior to speaking with them ). I informed them they were wrong and the operator proceeded to be very rude with me. I requested a supervisor and was sent to the voicemail. Immediately called the billing company for the doctor and was told that they showed the bill paid and that notice had been sent to the collection agency to that point. She assured me that they would send a second notice of payment to Receivable Recovery. 

Received another call today from Receivable Recovery that they had just received notice that the debt had in fact been paid in XX/XX/XXXX and to inform me that they were processing a deletion since it had been reported to the credit agencies. I am furious that this has been reported as the matter had been correctly taken care of. I spoke to a supervisor who was of absolutely no help. He basically said " We reported it, we are asking for a deletion, its over, not sure what you want me to do about it. '' I believe that this agency uses fraudulent practices in trying to collect debt. They are harassing and not willing to do what is asked of them. To date, I still have not received any documentation from them proving that we were notified that we had a past due balance with the doctor and would be sent to collections, nor that Receivable Recovery had attempted to contact us prior to the letter received in XX/XX/XXXX. ( They claim a letter was sent in XX/XX/XXXX. ) I was also informed by the supervisor that he did see where I had request an itemized statement, and that they had requested one from the doctor 's office ( because they accept files for collection WITHOUT a copy of the bill ), but that they never received it from the office. 

I maintain that I followed what was expected of me in 1 ) disputing the amount in question and 2 ) making a payment in the amount in question to the doctor 's office in order to prevent this from being reported while we tried to clarify the situation and Receivable Recovery did not do as they promised by reporting this to the credit agency while the debt was in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA

Complaint narrative:
On XX/XX/2017 I checked my XXXX Credit report and this company out of nowhere appeared on my credit report from Conserve. Who ever this company is they did not send me any letter of this debt, which they violated my rights to dispute any debt that is in my name. I have never seen nor heard of this company until I got an alert of an collections on my credit report. This company violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America commits FELONY CRIMES AND OWES ME XXXX AS THE FEDERAL LAW DOES REQUIRE!!!!! READ IT AND READ IT AGAIN!!! AND SEE EVIDENCE This legal notice being sent and delivered to you persuant to Florida Statutes 48.081 NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS XXXX in a private individual 's name, or a ZIP CODE, against the individual 's wishes, is a crime under Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {>= $1,000,000} fine. 
As XXXX explains, the full capitalization of the letters of one 's natural name, results in a diminishing or complete loss of legal or citizenship status, wherein one actually becomes a slave or an item of inventory. The method, by which the State causes a natural person to " volunteer '' himself into slavery, is through forming legal joinder, implied or stated, with the entity or legal fiction ( name all CAPS ). Of course, most natural persons would n't willingly form such an unlawful but legally reductionist joinder, so trickery and obfuscation are used ; and this starts when our birth certificates are created. 
[ The initial joinder is formed when a legal Birth Certificate is issued by the State, name in all CAPS. In fact, both the Certificate of Birth AND Social Security number, are for " inventory '' control purposes, similar to the XXXX manifest or those numbers or records used by legal entities or Corporations to track, account for, use and dispose of inventory. ] Bank of America threatens me with extortion stating they will contract with chexsystems to promote negative information about me, this is a violation of my privacy and is another crime committed willfully and with intention!! 
Bank of America also MAKE A HUGE CONTRADICTION in their response saying they can not close an account then saying " they did '' close the account what a bunch of LIAR CRIMINALS, LIAR LIAR LIAR, CRIMINALS CRIMINALS CRIMINALS, EXTORTIONS, LIES, CONTRADICTIONS AND VIOLATIONS OF THE FEDERAL LAW, ALL RIGHT HERE XXXX EVIDENCE

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 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I leased a new car from XXXX XXXX in XX/XX/XXXX. After 90 days the dealership I purchased from contacted me to say they made a mistake with the Vin #. I brought the car in and had to re-submit paperwork for the lease. XXXX XXXX then confused my account with another account that had been delinquent. As a result XXXX issued a negative hit on my credit file. Of the XXXX major credit reporting agencies Transunion was the latest to report an issue on my credit file. Now it is my 4th time going back to them to dispute the information from XXXX XXXX. The first time they corrected my file then reversed it to the original inaccurate information. I went back a second time, they corrected it and then omitted that I was paying off an installment loan to XXXX XXXX that Transunion themselves said affected my FICO score due to have no installment loan info! I went back a 3rd time, it appeared both issues were corrected and in XX/XX/XXXX received documentation from Transunion showing everything correctly. I checked my credit report via XXXX, that allows my to see the XXXX major credit reporting agencies and noticed once again Transunion how a late payment noted on my credit file that I had previously resolved with them! Reversing for the 2nd time information previously corrected! Tonight I sent my 4th dispute online with Transunion. XXXX credit has corrected my information, I assume at this point that Transunion is clearly inaccurate and incompetent. This is the worse experience I have ever had with a credit reporting agency.

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 2017-04-04 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: IN

Complaint narrative:
I have asked for a loan modification from Specialized Loan Servicing regarding a 2nd mortgage on our home. They sent forms w/instructions to fill out which I have done ( 3 times ). They send to me documents showing every thing is completed and no action needed except for a copy of my wife 's pension annuity letter from the XXXX. Copies of my wife 's annuity reward letter as been sent to them 3 times and now I am sending it for the 4th time for they keep saying they did n't receive all the pages. They have received them and they are either incompetent or they are stalling on purpose. I did a XXXX search on line and found hundreds of people are having the same problem with them. They claim they can modify the mortgage but seems they keep stalling until the time to do so runs out. I have been in this process with them for over 3 months. If not modified this loan will go from about {$120.00} per mo to $ XXXX.per mo. Do to a serious hardship we had during XX/XX/XXXX & XX/XX/XXXX we just cant swing that right now. we only asked for 2 yrs up front to remain under same terms as is now and give us that 2 yrs to get it paid down so the remaining 10 is more realistic. It seems they would rather force us out of our home. We have perfect credit and have never missed a payment on any loan or credit card in our lives.

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 2017-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have disputed these XXXX XXXX it has XXXX accounts listed when there was only XXXX account to start with that was actually from fraud. the account report wrong dates, payments, terms, amounts, and balances. I did not know how to approach the situation about the fraud and was sued i found out when i was in the process of buying the house so i ended up paying the judgment and i am still trying to refinance because the credit bureaus refuse to correct this information it is causing me great financial harm the judged learned what happened he removed the judgement. Upon speaking to XXXX they stated that they are not verifying this information with the credit bureau. The credit bureau will not remove this information. I am including the offical stamped letter from the judge stating that the debt that i have with XXXX is satisfied.

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 2017-03-29 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Kohl 's paperless billing system for their Kohl 's Charge program fails to provide consistent notification of account status, and their web site frequently encounters technical issues which make it impossible to check account status or make payment in a timely fashion. I believe they are manufacturing late fees on their charge cards for profit and I have evidence to show this pattern. I have spoken to their customer service department, their customer service supervisor, the online secure message center, and to XXXX ( XXXX ) who is their Executive Correspondence Advisor - ( the person who calls you when you email the CEO. ) At every level they refuse to acknowledge their error and say the matter is closed and that nothing will be done. Here are dozens of examples of the pattern I mention from just XXXX credit card review sites : XXXX A satisfactory resolution would be a refund of {$68.00} of late fees and corrected credit reporting to " pays as agreed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is with regards to an existing CFPB case # XXXX. As instructed by Citibank, I requested my lender, XXXX to pull a new credit report after XX/XX/XXXX. A new credit report was pulled on XX/XX/XXXX and does now reflect the correct report date of XX/XX/XXXX. However, the reporting credit bureau ( XXXX ) is is reporting a Code of " XXXX '' and my lender is not able to approve my loan through their automated underwriting system. According to XXXX XXXX, the 3rd party credit reporting company, XXXX is the only Bureau that would report this as an " XXXX ''. The other XXXX bureau 's would report as an " XXXX '', however, for reasons that could be explained neither XXXX nor XXXX are reporting this account. I have attached a copy of the credit bureau reporting codes. My account was approved and settled for less than the full balance and was not a charge off or collection.

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 2017-03-31 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
The original creditor was XXXX from about 10 years ago. The account was closed and charged off to a collection agency. The collection agency was not Portfolio Recovery who I am filing the complaint against for submitting false inaccurate information on my credit report. I been disputing this w/all XXXX agencies for sometime now. The Debt Buyer has purchased an old debt that was included in my Chapter XXXX Bankruptcy. I have legal documents that was included in my discharged. I have never had any business with XXXX since 10 years ago and never will. My Bankruptcy representative made that clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Midwest Recovery Systems
State: MD

Complaint narrative:
Midwest Recovery Systems has reported a debt to my XXXX and XXXX credit reports. I have no Idea why they are trying to collect a pay day loan amount when I am post bankruptcy and discharged. I have 2011 discharge and my case number is XXXX. I have not received a 30 day disclosure from this company and feel this may be a scam. It is illegal to collect a debt that has been discharged per bankruptcy law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My wife and I had first mortgage thru XXXX and loan was owned by XXXX. My wife was unemployed for nearly an year and received unemployment benefits in XX/XX/XXXX/XX/XX/XXXX. During that we were late in monthly mortgage payment to XXXX for several months and then we paid on time each month a reduced amount as stipulated. However XXXX reported to credit bureaus we were seriously delinquent for 11 month period and did not pay the mortgage at all and that is misrepresentation of the fact. This faulty data messes up the Credit score and we were unable to refinance the mortgage in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal has decided to put a larger portion of my money into a " reserve '' making it unavailable. They claim it 's from a transaction from a company that I 've done business with several times before so with this history, they have no reason to hold these funds. They claim it was because of relatively low activity ( my wife had XXXX, which can easily be verified so naturally my business transactions slowed significantly during this time ) and that I was in a " XXXX '' industry. I own a XXXX. All transactions are paid and when we receive an inventory order, larger purchases by us are made for material costs. This reserve hold in the amount of {$2000.00} is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I have owned my home for nearly 25 years. I have never had any problems with my mortgage company or making my payment until recently. I am now facing foreclosure and feel that my lender Nationstar Mortgage is not allowing me the chance to fix this problem. I suffered some major health problems in the last couple of years and have been unable to work. I am awaiting a XXXX hearing this XXXX, at which time I will most certainly be awarded benefits. I have informed Nationstar of this situation and they are aware and told me they would work with me and just wanted to be kept in the loop. Well I have done this with them and they told me it would all be fine. But now they have started sending foreclosure notices to me in the mail and are moving to set an auction for my house. I do not want to lose my home that I have owned since 1994, I have nowhere to go and have made thousands of dollars of payments over the years. I understand that Nationstar received millions of dollars in taxpayer bailout funds and that they are obligated to work with struggling homeowners. I also understand that there are various programs for people who are unemployed or become XXXX that allow a deferral of payments while the situation gets figured out. Believe me, if I could work and pay Nationstar right now I would. 

I worked as an XXXX for 30 years and made a good living. However, after years of hard work my body suddenly started to give out on me. I was XXXX and then with an XXXX. Not long after that I had to have XXXX and then also on XXXX. I am an excellent candidate for XXXX but have been waiting nearly THREE YEARS for my hearing which is coming up in a couple of months. 

I do not want to lose my home at foreclosure auction and I do n't know why Nationstar is not considering me for unemployment programs that allow homeowners to defer past due payments while awaiting employment or the receipt of XXXX funds. I am concerned that Nationstar is not allowing me access to these programs and not giving me the chance to save my home Once my XXXX is approved I know that some type of plan can be worked out. My delinquency is close to {$5000.00} at this time. This is more than I could possibly pay in a lump sum but it is not such a large amount that this situation ca n't be figured out. I am asking for some compassion from Nationstar, and the chance to be considered for all available programs. Right now I am at their mercy as I do not have any type of steady income but I assure you that after this XXXX hearing I will be granted benefits and will be able to get back on track and make timely payments for the rest of the life of this loan. I wanted to inform your office of this situation in hopes that you can assist and persuade Nationstar to allow me the chance to save my home through this program.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: SLM CORPORATION
State: ME

Complaint narrative:
I have XXXX loans through Navient as my private loan provider.. I have paid all of my bills on time. XX/XX/2016 my interest rate was 7.37 and 8.62. Now my interest rate is 8.875 and 7.625. They are variable interest rates. I do n't think it 's right for them to charge me more interest for paying my bills on time. I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation