vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Synchrony Bank took over as the third party bank processing the XXXX XXXX  XXXX credit card several month ago ( around XX/XX/XXXX ). The transfer of my account from the previous company took place and there were no issues with my account balances. 

However, the new bank - Synchrony Bank has a policy in place where they reduce my auto recurring monthly payments when I make additional payments. I had calculated exactly what my payments needed to be monthly to pay off my balance without accruing interest. Then I purchased another item that needed to be paid off after my upcoming bill in order to avoid interest. Instead of changing my monthly recurring payment, I decided to pay additional amounts as one time payments and I pre-scheduled them online to be once a week. I received a letter in the mail in XX/XX/XXXX from Synchrony Bank saying they had decreased my recurring payment based on the one time payment I had made. I chatted with a representative online who told me that is how this system works. It seems unethical to me that my payment would be reduced when I choose to make additional payments. That has never happened to me, not with the previous bank nor any other bank I have had a credit card with. 

On my XX/XX/XXXX invoice I was charged interest because they reduced my payment amount without my permission. I called them on XX/XX/XXXX and they resolved my account by removing the interest charge. I received another letter in XX/XX/XXXX where they reduced my recurring monthly payment again. It has not yet posted to my account and the representative can not assist me. I have to wait to see what will happen and call again. 

I do not think it is appropriate to auto reduce someone's payment in an attempt to make them accrue interest.

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 2019-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I was contacted on XXXX XX/XX/2019 by Portfolio Recovery Associates about a past debt that I have no knowledge of having. The representative mentioned that there was an attempt to deliver paperwork but paperwork delivery was at a different location that my physical home address. Upon requesting further clarification, the representative continued to say how I was refusing to pay the debt. I never refused to pay the debt, I would just like clarification on the debt. I will be delivering a " Cease and Desist Order ''  to the aforementioned party.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report.

Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Lane Bryant Credit Card financed by Comenity Bank refuses to remove late fees and interest fees they charged me after I was under impression my account balance was {$0.00}. I made a payment plan with them to where their representative calls me on my paydays and I make a payment until my balance is paid in full. Their representative stopped calling me and I was left with {$23.00} balance. Now, after late fees and interest, they are trying to collect {$230.00} from me and are reporting me late to all credit agencies. 
I have sent them a letter with proof of payments as agreed with their representative and they refuse to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-05 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In XX/XX/XXXX I received an auto loan from XXXX XXXX XXXX. Throughout the lifetime of the loan, I experienced numerous inaccuracies reported by XXXX XXXX on my credit report. Some of the inaccuracies were corrected after having to jump through hoops with XXXX XXXX XXXX, yet additional inaccuracies continued to show up on my reports. Currently, I am in the process of purchasing a house and am reviewing the negative accounts on my credit reports and XXXX XXXX is one of them. After looking into the payment history, I realized that XXXX XXXX has multiple 30, 60, 90 day late payments on my account, including listing the account as late when closed ( which is impossible if the account was paid in full ). There was only one time that I was late on my loan with XXXX XXXX and that was in XX/XX/XXXX. I have tried to call XXXX directly to correct the errors and their customer service team has refused to acknowledge that I ever had an account with them.

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 2019-03-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am writing regarding my Bank of America XXXX XXXX Credit card ending in XXXX. I am a XXXX XXXX XXXX XXXX and have been a Bank of America military banking customer for almost 20 years. I pay all of my bills of time and never had a late payment in 25 years of my credit history. I was unaware that I owed a charge of {$18.00} on this card. Bank of America made no attempts to contact me. I previously tried to download the BOA on my iphone numerous times but there was a continual error with the app. I was made aware that I owed this {$18.00} through a seperate credit monitoring service through XXXX. As soon as I learned that I owed this money, I called BOA and paid the {$18.00} and an additional {$1.00}. 

Bank of America reported this late payment to the credit agencies and, as a result, my credit score dropped over 100 points from XXXX down to XXXX. I made numerous attempts to contact Bank of America and was told they would not help me and would not offer a goodwill adjustment. I've worked hard to build my credit score pride myself in paying all bills on time. I believe that it was excessive to drop my credit score by over 100 points for a single late payment that I did not realize that I owed. I am also concerned that this negative report will hurt my career because I have a security clearance that must be renewed.

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 2019-03-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL

Complaint narrative:
XXXX XXXX XXXX is my mortgage lender. I'm owed over 900 dollars in Escrow Refund and supposed a check was sent XXXX XX/XX/ 2019. ( It is now XXXX XX/XX/ 2019 ). I was instructed to wait 14 business days to receive a " Paper Check ''. Even though I electronically debit my mortgage bill every month. Even after I complained I got a message to wait 14 business days after waiting 14 business day. 

I've sent multiple follow up messages and get ignored. Also I tried to call the message said " call back later we're busy ''. 

This is very shady because they collect taxes from my county. I have a homestead exemption with the county and feel like they are committing fraud and not servicing my loan properly. I have no recourse  when they raise my escrow payments, like they did last year and now they have to refund me because I have been overpaying. 

Instead of getting some robot voice, or trained sea animal to respond to my messages I will hold them accountable and submit this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax un-froze my Equifax credit file in 2018 without my consent and for the last six months has been either unable or unwilling to re-freeze it. In fact, when I complained to CFPB about this incompetence at Equifax, the response from Equifax was to state that the complaint was resolved and my Equifax credit file is NOT frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: ID

Complaint narrative:
Hello, I have a mortgage serviced with Ditech XXXX XXXX. In XXXX of 2018 I submitted my payment online as I do with all my previous payments. As per Ditech system it indicated that the payment was received. Several days later I noticed my account was not debited. I went back on the Ditech site and it showed that the payment was past due and a fee of {$76.00} was imposed albeit the payment was received on XX/XX/XXXX within " the grace period ''. I called their call center multiple times and to no avail did I reach anyone that would assist me with this issue. Instead the representative indicated to send a letter requesting the fee be waived which I did. DiTech indicates " they never received the letter ''. The only options to send the letter was via USPS or email. I sent the letter via USPS. They are very difficult to communicate with and this is extremely frustrating. All I want is for my account to be credited {$76.00} as this mistake occurred with DiTech servicing. 

I appreciate your help!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
Beginning in XXXX of 2018, I sent a certified letter to XXXX  XXXX XXXX   explaining that I was disputing the amount they said I still owed on the leased vehicle I turned back in to them. I awaited a response in the mail but never received one. I sent additional letters over the next couple months without any written response other than a bill. They then started to mark my account as past due and eventually marked it as " charged off ''. All the while, I was making every attempt to get this resolved with them directly. They continued to ignore my requests and unfairly marked it as charged off. I have since made additional attempts to get the matter resolved but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: VA

Complaint narrative:
I am writing regarding my XXXX XXXX XXXX XXXX XXXX Credit card ending in XXXX. I am a XXXX XXXX XXXX XXXX and have been a XXXX XXXX XXXX military banking customer for almost 20 years. I pay all of my bills of time and never had a late payment in 25 years of my credit history. I was unaware that I owed a charge of {$18.00} on this card. XXXX XXXX XXXX made no attempts to contact me. I previously tried to download the XXXX on my iphone numerous times but there was a continual error with the app. I was made aware that I owed this {$18.00} through a seperate credit monitoring service through XXXX. As soon as I learned that I owed this money, I called BOA and paid the {$18.00} and an additional {$1.00}. 

XXXX XXXX XXXX reported this late payment to the credit agencies and, as a result, my credit score dropped over 100 points from XXXX down to XXXX. I made numerous attempts to contact XXXX XXXX XXXX and was told they would not help me and would not offer a goodwill adjustment. I've worked hard to build my credit score pride myself in paying all bills on time. I believe that it was excessive to drop my credit score by over 100 points for a single late payment that I did not realize that I owed. I am also concerned that this negative report will hurt my career because I have a security clearance that must be renewed.

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 2019-03-05 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:
XXXX XXXX has been sending me inaccurate credit scores and report through my email and their website XXXX XXXX XXXX XXXX. 
XXXX XXXX company has a business partnership with Transunion and XXXX Credit Reporting Agencies only and not with XXXX. 

On XX/XX/XXXX I received a Transunion  alert verification and Notification from XXXX XXXX that my XXXX XXXX XXXX Auto Loan account # XXXX has been placed Current and Deliquency and 30-60-90 days late has been removed and deleted by XXXX on XX/XX/XXXX. 
XXXX XXXX implemented a recent XX/XX/XXXX Transunion credit score of XXXX. 
But XXXX XXXX hasn't displayed the same information and credit score with XXXX. 

Also, XXXX XXXX is not displaying XXXX XXXX XXXX XXXX XXXX XXXX of a merchandise credit of XX/XX/XXXX till Present.I have been making timely payments since XX/XX/XXXX till Present. 
I made contact directly with XXXX Credit on XX/XX/XXXX on my account # XXXX this account is only displaying with XXXX and XXXX XXXX stated to me on XX/XX/XXXX around XXXX XXXX California time that XXXX XXXX sends verifications to XXXX, Transunion and XXXX. 

I been having many issues with XXXX XXXX with their inaccuracy credit reporting alerts and not reporting accurate credit scores. 

I am XXXX Lifetime, XXXX and a XXXX XXXX XXXX XXXX XXXX. 
Respectfully XXXX XXXX are supporting our XXXX XXXX and Citizens in the community of America. 
I am going through a VA Loan and purchase process in Florida and need accurate information what has been implemented on this complaint. 
Is XXXX XXXX violating my XXXX XXXX Civil Rights Act under Department of Justice? 
Very Urgent Matters!

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 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX has been sending me inaccurate credit scores and report through my email and their website XXXX XXXX XXXX XXXX. 
XXXX XXXX company has a business partnership with XXXX and Equifax Credit Reporting Agencies only and not with XXXX. 

On XXXX XXXX I received a XXXX alert verification and Notification from XXXX XXXX that my XXXX XXXX XXXX XXXX XXXX account # XXXX has been placed Current and Deliquency and 30-60-90 days late has been removed and deleted by XXXX on XXXX XXXX. 
XXXX XXXX implemented a recent XXXX XXXX XXXX  credit score of XXXX. 
But XXXX XXXX hasn't displayed the same information and credit score with Equifax. 

Also, XXXX XXXX is not displaying XXXX XXXX XXXX XXXX Trade Line of a merchandise credit of XX/XX/2015 till Present.I have been making timely payments since XX/XX/2015 till Present. 
I made contact directly with XXXX XXXX on XXXX XXXX on my account # XXXX this account is only displaying with XXXX and XXXX XXXX stated to me on XXXX XXXX around XXXX XXXX California time that XXXX XXXX sends verifications to XXXX, XXXX  and Equifax. 

I been having many issues with XXXX XXXX with their inaccuracy credit reporting alerts and not reporting accurate credit scores. 

I am XXXX XXXX, XXXX and a XXXX XXXX XXXX Military Veteran. 
Respectfully XXXX XXXX are supporting our Military Veterans and Citizens in the community of America. 
I am going through a VA Loan and purchase process in Florida and need accurate information what has been implemented on this complaint. 
Is Credit Karma violating my XXXX XXXX Civil Rights Act under Department of Justice? 
Very Urgent Matters!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Duvera Billing Services, LLC
State: NV

Complaint narrative:
OnXX/XX/XXXX at XXXX XXXX I made a one time {$200.00} payment with XXXX XXXX, debit card XXXX, over the phone to XXXX XXXX XXXX XXXX. That same day i made another {$200.00} payment with visa gift card XXXX also over the phone. On XX/XX/XXXX {$110.00} was automatically taken out direct from a bank account for my regular monthly payment. 
On XX/XX/XXXX at XXXX XXXX I was charged an additional {$200.00} to my XXXX XXXX debit card XXXX, and without authorization the card was ran and the funds processed leaving my account in the negative. I contacted the financial company and they denied having any knowledge of the double charge and attempted to blame the XXXX XXXX  card company and advised to to confront them on my missing money and the overdraft/ double charge. After contacting XXXX XXXX  support, they sent me the billing statement showing that XXXX XXXX XXXX charged my card without consent for an extra {$200.00} and received the money they claimed was not in their possession and they had no record of. all billing statements and proof will be attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been going over my credit report trying to refinance my home. I noticed accounts that I have never done business with and I do not have a contract for business with. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : XXXX XXXX # XXXX, XXXX/XXXX XXXX # XXXX, XXXX/XXXX XXXX  # XXXX, XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX/XXXX XXXX # XXXX, XXXX   XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  # XXXX, XXXX & XXXX XXXX XXXX , XXXX & XXXX # XXXX , XXXX # XXXX, XXXX XXXX XXXX I am not sure who is using my name I use to live in XXXX I now live back to 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 2019-03-05 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: OH

Complaint narrative:
I have been going over my credit report trying to refinance my home. I noticed accounts that I have never done business with and I do not have a contract for business with. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : XXXX DEPT # XXXX****, XXXX XXXX # XXXX****, XXXX XXXX # XXXX****, XXXX XXXX XXXX XXXX XXXX****, XXXX XXXX   XXXX XXXX # XXXX****, XXXX XXXX # XXXX*, XXXX XXXX XXXX # XXXX*, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX*, XXXX XXXX XXXX # XXXX, XXXX & XXXX XXXX XXXX* , XXXX & XXXX # XXXX* XXXX XXXX # XXXX*, XXXX XXXX XXXX* I am not sure who is using my name I use to live in XXXX I now live back to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05 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: IL

Complaint narrative:
Beginning in XXXX of 2018, I sent a certified letter to XXXX XXXX XXXX explaining that I was disputing the amount they said I still owed on the leased vehicle I turned back in to them. I awaited a response in the mail but never received one. I sent additional letters over the next couple months without any written response other than a bill. They then started to mark my account as past due and eventually marked it as " charged off ''. All the while, I was making every attempt to get this resolved with them directly. They continued to ignore my requests and unfairly marked it as charged off. I have since made additional attempts to get the matter resolved but to no avail.

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