vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Good Day Team CFPB, On XX/XX/XXXX I had a procedure done at XXXX in the amount of {$4700.00} which was financed by CareCredit / Synchrony Bank. In early XXXX, approximately 6 months after the XXXX, I contacted XXXX about my concern the procedure did not work. The staff and doctor advised to wait a few more months and I would see results between 6 and 9 months. 

In XXXX I scheduled a XX/XX/XXXX visit ( 10 months post op ) and met with the staff and XXXX XXXX. At that time, he advised it could take a full year and to comeback in XXXX. I didnt feel reassured about his statement as this was the same Doctor who said you will see results by 6 months. 

About 2 weeks later, I contacted my finance company a week later and requested a dispute on the financed charges which Synchrony logged. 30 days later I was informed I lost the dispute. Synchrony listed it as a price dispute which wasnt accurate I explained I was arguing about a faulty defective product. I called Synchrony after receiving the turn down letter to which I was informed I  needed to meet with XXXX and the Doctor again as there was nothing they could do. I questioned given theyre the finance company and I was sold a defective product. Begrudgingly, I setup a 2nd appointment and attended on XX/XX/XXXX a full year + after my procedure. Again no resolution from XXXX as I requested my money back. After leaving their office, I contacted Synchrony again to request a dispute.

At this time, Im not confident I will receive my money back and only have a short window remaining till the promotional expiration. Im requesting assistance to recoup the amount of {$3600.00} remitted to Synchrony as of XXXX and not be liable for the remaining balance of {$1100.00}. 

I appreciate your assistance.

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 2018-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I participated in the Toyota Motor Credit Corporation Settlement earlier this year, by filling out and submitting ( 2 ) Eligibilty forms on or around XX/XX/XXXX. Those 2 forms were for a XXXX XXXX XXXX and a XXXX XXXX. My loan was for the XXXX. Then I traded the XXXX for the XXXX, a year and a half later. I called the Settlement Adminatrator the next day to confirm they received both forms, and was told they did. On XXXX, I called and spoke to " XXXX '' for an update re : the settlement and was advised to do nothing now. The deadline to submit was XX/XX/XXXX. 

In XXXX, I called for an update re : when checks were to be mailed. But I always got the same answer. " TMCC is still going through the eligibilty forms before any payments can be made, and to keep checking their website for an update ''. But the website only tells you payments will be mailed in XXXX. There is no forther info and the CSR 's aren't so helpful. Well, it's almost XXXX and I have yet to receive any payment or, even a letter stating otherwise. Any assistance will be greatly appreciated. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: MIDFIRST BANK
State: AL

Complaint narrative:
My mortgage loan was sold to XXXX XXXX  not by my request. They obtained the loan XX/XX/2018 and have not reported to any credit bureau as a result one of my credit lines was decreased and my credit score dropped several points. I called XXXX XXXX and was told they don't report new loans for 90 days By Law and that they would not report my account until XXXX. I called back due to not being satisfied with the answer received and spoke to a supervisor and was told they don't report right away to give the customer time to adjust to them as a new client. The supervisor advised me they would report this month XXXX which is different than what the representative told me. This is completely disappointing.

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 2018-11-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : XXXX XXXX XXXX Account Number : XXXX X Date : XX/XX/2010 Amount : {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Hello, I sent XXXX XXXX  and Equifax 4 dispute letters to verify or remove accounts on my credit report. They do not verify the items just updated saying that it was unchanged. I have asked repeatedly to provide documentation or information verifying these items were mine. With 4 attempts, they have failed to removed any of the items, and have not produced any verification.

I sent letters to all 3 agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In most cases they did not investigate at all. I would like the items in questions verified or removed, this is causing me great distress and hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear CFPB I was trying to modify my mortgage loan with Chase Bank,, this issue dragged for almost three years. 
Bank declined after many exhausting attempts. always, overqualified, under qualified. etc. 
They proposed an alternative. Reinstate the loan, or do a short sale. 
in effort to reinstate the loan, I went through a costly expenses since I had to bring the property up to code, and really upgrade the house condition in order to put it on the market. ( I will attached MLS page ) all savings dried out. give notice to 18 years tenants to move, etc. 
costly, for sure. but ; I only way to reinstate the loan with back interest, attorneys fees etc. properties do not sell as quick as we want. reason why I said fine, let 's put property for sale as Short Sale, which ever action takes place first is going to be. since short sale is less harmful then foreclosure. 
We accepted a buyer willing and able to purchase this property, send offer to the bank. 
most work done, my other property already on the market, and Chase decided to put the property on Foreclosure, in the low 300,000 it was not sold at auction, is now returned to the bank. is unreasonable. 

I want to keep my property after all efforts and expenses. please, help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
In the beginning on XX/XX/2018 I called to refinance my loan. I was advised by ditech that my interest rate on the current loan was too low and I should have ab appraisal done when my loan reaches 2 years. In XX/XX/2018, icalled ditech and they asked that I send them ab email. I sent an email requesting they remove the pmi form my loan. They sent an appraiser XX/XX/2018. I recieved an appraisal that my house value increased {$35000.00}. Ditechs denial letter states that the value of my house has declined. They sent me in writing a factually incorrect reason for denial wilfully and with full knowledge that my property had not declined in value. I am happy to forward any documentation requested XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : XXXX XXXX XXXX/NAVIENT Account Number : XXXX Date : XX/XX/2008 Amount : {$7400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I received a phone call advising me that legal actions were being filed against me. The individual I spoke to stated that the card was opened XX/XX/XXXX. I called the number that was advised to call at XXXX and I was infromed of the fraudulent card I did NOT open. They claimed to be a legal office representing HSBC Card Services. When I informed them that this was a fraudlent card they accused me of denying a card I opened and insinuated I was lying and told me " I was not man enough to pay a credit card I opened. '' They ended the call then and there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
Problem with Loan Depot. I mailed in a signed document for a program called Budget Tracker they keep saying they don't receive it when I have sent it twice now. Now I have to go to the post office and get a tracker on the mail for it. I just want you to know they are playing games like this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , AZ XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Earnest Inc.
State: CA

Complaint narrative:
Earnest, my student loan company, mistakenly took money from my bank account while i was in forbearance. i am now left with -XXXX and the quickest they can refund the money is 1-2 weeks - thats with it being expedited. This is criminal and has left me with no money for two week. They need to be held responsible for the kind of stress this has put on me and my family. I have attached an email of the latest correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: GA

Complaint narrative:
I have not been re-reimbursed for the remainder of my escrow account after the mortgage loan payoff. I have called several times and keep being told a stop payment will need to be submitted along with a new check issued and that this will take several weeks. Each time I call they say they need to submit the paperwork, apparently nothing is being done. 

The following are the dates that the mortgage company PHH has on their website about the refund. I received a letter from PHH mortgage on XX/XX/2018 with the loan payoff details but there was no check enclosed. 

Applied Date Due Date Description Amount XX/XX/2018 Escrow Funds Disbursed to Borrower - {$390.00} XX/XX/2018 XX/XX/2018 Loan Paid in Full {$65000.00} It is now XX/XX/2018 and the check has not been sent out yet. I am being told another 5 business days I should see this check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: FL

Complaint narrative:
I was offered a forebearance because I was impacted by hurricane Irma and was advised that I had to pay the payments at the end. With me being a new homeowner, I had no idea that this meant at the end of the 90 days. I thought it would be added on the backend of the loan. Since I didnt have 3 months of payments to pay at one time, I was forced into a remodification which I received paperwork that I had to sign and return showing a modified amount for XXXX and I did everything that I was advised to do and next thing I know, the payment skyrocket to XXXX. They moved a payment to escrow after I was advised to pay XXXX in XXXX. Now they are saying Im 2 months behind and are reporting to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have maintained a credit score in the 800+ for the past 20 years. 

On Monday XX/XX/XXXX, I applied for a home equity line of credit and was advised by the bank that my credit report showed a charge-off and collection status for an American Express account in my name. This information was reported to the credit reporting agencies by American Express ( AMEX ) in or around XX/XX/XXXX. Therefore, my application would not go forward. 

Between Monday XX/XX/XXXX to today ( Thursday XX/XX/XXXX ), I have made over 100 telephone calls and sent several e-mails ( copies attached ) to AMEX. AMEX has not issued the letter they promised to send me stating that the report they made to the credit bureaus was an error and would be deleted from my account. E-mails and telephone calls to the chairman 's office and executive office have been ignored. AMEX refuses to provide any information whatsoever regarding the application information associated with this account they provided to the credit reporting agencies. I also filed disputes with the credit reporting agencies but the incorrect information reported by AMEX report WILL NOT BE REMOVED until AMEX initiates removal. I HAVE NEVER APPLIED OR CARRIED AN AMEX CARD. I HAVE NEVER LIVED IN TEXAS.

3. I have lived at two ( 2 ) addresses for the past 30 years in homes jointly owned by my wife and I. I never lived in Texas, but American express reported a Texas address associated with the derogatory account information AMEX reported to the credit bureaus. I never receive a call or any mail regarding this account from AMEX or any collection agency. I have been married ONCE and will celebrate 30 years next month. ALL CREDIT APPLIED FOR IN THE LAST 30 YEARS HAVE BEEN DONE JOINTLY WITH MY WIFE. 

4. I am now withdrawing the needed funds from my XXXX and will have 20 % withheld as well as other penalties. 

5. I am over XXXX years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I noticed there was a hard inquiry on my credit report from XX/XX/XXXX. I looked it up and it is from XXXX XXXX. I have never tried to open a card with them. I called them and they did an investigation and said I needed to go through Experian/the 3 major credit agencies. I did just that and Experian said " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. '' So then it said to contact the originating agency, which I have done previously. I looked at the report as well, they didn't address the XX/XX/XXXX issue and instead there was another hard inquiry from XXXX XXXX from XX/XX/XXXX which I never had as well. I really would like help with this, I have never ever applied for a card from them. I contacted XXXX and Experian and neither one was able to resolve this.

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 2018-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: AE

Complaint narrative:
On XX/XX/2018 a " legal '' department from county contacted my mother inlaw about having to appear before court over a debt that was owed. Gave her the number to call ( XXXX ) along with a case number. Said it was urgent that she passed the message along before I had any legal ramifications. I contacted the said number and they stated they belonged to the county legal department and asked for my case number which I replied and they put me on hold or what sounded like a muted phone. They said I had an outstanding debt to my bank for an old account. They told me to verify my social ( which they had ) but they did not have my account number. They said my mailing address needed to be verified but they gave me a wrong address. I did not verify the address as I knew it was wrong but did not want to confirm my social as it was correct but i knew I did not have a debt with my bank nor loan. They told me I could either go to court and resolve the {$4000.00} debt or resolve it offline with a {$580.00} payment over the phone or money order. I would then get an emailed receipt that I would've digitally signed the confirmation receipt they would send me after the payment over the phone. They were very eager to resolve the debt over the phone in an instant and with a one time payment. They claimed I received letters and final notices which I didn't. I ended the call as they requested my card information. I immediately called my bank to validate said claims but they were not true. I am in good standing with my bank and my account is still active.

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 2018-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/XXXX I called and closed my TJMax Master Card credit card as they weren't ( once again ) allowing me to use my card in my hometown. they sent me emails later, and letters stating I couldn't use my account until I did XXXX to activate it and i called AGAIN and stated I closed this account due to the inept customer service on XX/XX/XXXX, they sent me more emails, again called. Then on XX/XX/XXXX a charge was autodrafted to this account. I called again, It is CLOSED, why did this go through? Then on XX/XX/XXXX another charge was autodrafted and again I called, it is closed, but they refused to close it until XX/XX/XXXX and told me I owed the charges. I was able to get both charges refunded and owe them nothing. They behave as if they are above the law. Why is this? This has affected my credit report. Today I called them again and my balance is XXXX but they said synchony bank handles my Belk and Walmart cards, so I cancelled both.

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 2018-11-15 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I noticed there was a hard inquiry on my credit report from XX/XX/XXXX. I looked it up and it is from Paypal Credit. I have never tried to open a card with them. I called them and they did an investigation and said I needed to go through XXXX/the 3 major credit agencies. I did just that and XXXX  said " The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. '' So then it said to contact the originating agency, which I have done previously. I looked at the report as well, they didn't address the XX/XX/XXXX issue and instead there was another hard inquiry from Paypal Credit from XX/XX/XXXX which I never had as well. I really would like help with this, I have never ever applied for a card from them. I contacted Paypal and XXXX  and neither one was able to resolve this.

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 2018-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below 30 days late as of XX/XX/2018, 60 days late as of XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation