vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I never sign a contract with this company I need a legal document that I sign with this collectors. I stated to send me a copy of a contract that I sign and they get mad and use verbal abuse. By law I need them to send me a contract that I sign with this collection company. If they cant provie me with the contract I expect tonremoven feon my credit by law and my right as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
I co-signed on a Honda for someone back in XXXX of 2013 the car was stolen I was aware that it had been stolen but it had full coverage with XXXX and the dealer also would not let the car leave the dealer withought gap ins I reciently became aware of this because I tryed to buy a car and I have a debt through American Honda financial services I called and they told me that XXXX only payed XXXX towards the car an I was responsible for the remaining balance so I called gap and they said that they reversed the gap insurance because Honda never sent them the police report nor paperwork they needed o feel that one they should have called me if Im the co signed and 2 the car had the proper insurance and the proper gap yet they reported it to my credit report as a repo I dont understamd what to do now

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On Friday, XX/XX/2019 at approximately XXXX XXXX, I went to the Well Fargo branch located at XXXX XXXX XXXX, XXXX, CA to deposit {$1400.00} in {$100.00} bills into my savings account. The teller was a fast talking and distracting con artist who only deposited {$600.00} into my savings account. I reached out to Wells Fargo with a claim. They have denied my claim. I would like to have an impartial agency review the case and to be provided with an audio transcript of the day in question.

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 2019-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I scheduled two payments online to pay {$250.00} each for my XXXX credit card. One was scheduled XX/XX/XXXX and one XX/XX/XXXX. Before these dates the credit card was discharged and my online access was revoked. I called XXXX credit services and was told that the payments would need to be resubmitted. That they were no longer on the account. I resubmitted the one payment for XX/XX/XXXX over the phone. As of XX/XX/XXXX I have now been charged {$250.00} 3 times. I was lied to regarding the scheduled online payments. They were still withdrawn from my account, as well as the one phone payment. I believe their actions to be intentional to receive more money.

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 2019-05-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have been a longtime customer of Lowes and happen to open a store credit card several years ago. I began to notice that the Lowes Credit Card which is offered through Synchrony Bank was not honoring any of my large payments made in 2018. In fact Synchrony Bank continued to bill me each month even though I paid large sums of money in excess of over 30-50 % of the actual credit limit. Synchrony Bank also reduced a credit limit that was over {$3000.00} to {$1200.00} to make it look that my credit utilization ratio is high which has had a negative impact on my credit report. No bank has ever reduced my credit limit in fact my current XXXX XXXX Credit Card has a credit limit of over {$10000.00}. The following discriminatory practices are not a common practice of other banks. The following practices are meant to enslave and put Americans into deep financial distress. 

I have also noticed that Synchrony Bank has retaliated against me and closed my account without my authorization because they would not fix the account. The following discriminatory practices by Synchrony Bank will not be tolerated.

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 2019-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Last XX/XX/2018, I called Transunion to alert them that the available credit on a XXXX XXXX card in my name had been raised from {$15000.00} to {$20000.00}. I did not consider this to be a dispute, but quizzically they did and in response, they removed the entire credit card account from my file, which significantly decreased my available credit with respect to my credit score, thus negatively impacting my credit. They then made me go through a bunch of unnecessary hoops and obstacles, that involved spending hours on the phone with them and XXXX. But I did everything that they asked and by XX/XX/XXXX, everything should have been straightened out. XXXX assured me that they were reporting the account to all three credit bureaus, which I believe to be true because the account shows up on my XXXX and XXXX credit reports. However, Transunion is refusing to include this account in my credit profile, and thus, it continues to negatively impact my credit score as it dramatically reduces my available credit in their score calculation. They have spuriously tried to blame XXXX for the " error '' but I believe XXXX has correctly stated that it is reporting the account to all 3 credit bureaus, as the other two credit bureaus list the account in my profile. Even more frustrating, Transunion is aware of the account and still acknowledges its existence, but since I reported the credit balance increase in XX/XX/XXXX they simply decided to remove it from my profile and refuse to re-insert it. I find this decision of theirs to be arbitrary, nonsensical and harmful to my credit profile.

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 2019-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
On XX/XX/2019, Its auto services on my XXXX  report. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX On XX/XX/2019, on my XXXX  report also hard pulls, XXXX XXXX twice, Exeter Fin, XXXX XXXX I dont understand how they get on my credit report I never approved or signed anything I dont have nothing from these people saying they running my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: AP

Complaint narrative:
Hi, Im due to purchase my first home in XXXX so Ive been monitoring my credit weekly to be sure theres no issues. On XX/XX/XXXX I accessed my credit report via credit karma and saw that an account appeared on my report named Syncb/CareCredit. I also noticed a previous address added that I never lived at XXXX XXXX XXXX XXXX XXXX Florida. The account said it was opened XX/XX/XXXX. There is no balance on the credit card but the available credit is XXXX dollars. I never received any letters, cards, or anything in the mail saying I opened a card. I never applied for a card. The account said I was added as an authorized user. I want this account removed from my credit as soon as possible. My name is XXXX XXXX and I never lived in XXXX Florida or XXXX Florida. The company address is XXXX XXXX. XXXX XXXX, XXXX Florida 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 2019-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The Citi Aadvantage business card advertises a free bag checked on XXXX flights. I arrived to the airport today and was told it would cost me {$60.00} ( {$30.00} each way ) to travel with a bag. I informed the agent the bag should be free because I have the Aadvantage card. She informed me that people often think this because the card advertises free bags but the card only provides a free bag on select flights. This is unacceptable false advertising.

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 2019-05-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Under the terms of my mortgage I was offered a recast which lowered my monthly payment substantially approximately {$200.00}. I filled out the paperwork that clearly detailed what the monthly payment would go to principal and interest etc. I signed the document and agree to the terms which were clearly outlined after about two months ago a letter stating that my request was approved and instead of going from a monthly payment of XXXX to XXXX They came up with some other arbitrary number of XXXX. No work close to what I agreed to. I have made over 20 phone calls at the date this problem is not resolved. I have paperwork and letters showing the agreed-upon amount. They will not let me speak to anybody directly in the servicing department they are only responding via email. I question that my escrow is even correct or any payment has been corrected so I cant seem to even service the simple transaction properly

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 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: NCB Management Services Inc.
State: VA

Complaint narrative:
XXXX XXXX account was not open XX/XX/2016 vechile not safety to drive the bracket that held back up was never report on XXXX XXXX. it was discover after in accident with a XXXX car NCB Management Service XXXX XXXX XXXX XXXX PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Regional Acquisition Group, Inc.
State: LA

Complaint narrative:
On XX/XX/2019, Its auto services on my XXXX report. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX On XX/XX/2019, on my XXXX report also hard pulls, XXXX XXXXXXXX twice, XXXX XXXX, XXXX  XXXX I dont understand how they get on my credit report I never approved or signed anything I dont have nothing from these people saying they running my credit

Company response to consumer: Untimely response
Consumer complaint received 2019-05-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fidelity National Financial, Inc
State: AZ

Complaint narrative:
at the end of last year the cellar informed me that her husband had deceased and Fidelity National was holding funds for my payments to her until they could verify that she was the new recipient for this account please note that I've never been late on a payment and I tried 2 get a clear and decisive answer from this company and never could get a clear answer on what was going on with my money that I was sending 4 payments on this mortgage they cancelled my automatic payments at one time and I still couldn't get a clear answer of what was going on so for my protection I put a stop payment on their automatic payments going to them for this payment on the mortgage and sent the payment directly to the seller in the month of XX/XX/2019 and now all the sudden they show a non-sufficient fund for payments on my credit I have called them since then and the guy that I spoke to said that they would straighten it out and remove that non-sufficient funds I have also remove the stop payment from my checking account so that they can receive payments automatically again I just did that this week on my last statement from XXXX they showed that my interest that was applied to this mortgage payment last month was double of what it should been and I asked them to straighten that out to please note that they are not carrying this note for me they are not my lender the seller is carrying the note they are only supposed to be handling my funds and making sure that the seller gets the money that I pay for these mortgage payments I noticed on my credit report from XXXX that it shows that there has been something reported oh my credit that has to do with my mortgage payment a my mortgage payment should not even be acknowledged with the way it's set up through this company since the seller is the one carrying the note can you please look into this for me and straighten out this thing that has been reported to my credit that's a negative it's made my credit score go down 47 points and it's not fair to me they are the ones that was not disbursing funds to the seller as they should and I did what I thought I needed to do to make sure that the seller was getting her payments thank you very sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have made a purchase from XXXX XXXX through financing without any interest for one year, usually XXXX  XXXX go through Wells Fargo for financing, I have made all payments on time and settled the account before the end of the year on XX/XX/2019, I went to XXXX  XXXX   XXXX in person and got the credit memo from customer service, and asked them when would this credit be reflected on my wells Fargo account, in order for account to be closed and will show that I have XXXX balance remaining, they stated it will take 3 - 5 business days. 

unfortunately I have checked my account within two weeks and nothing was reflected on my wells Fargo account, I called XXXX XXXX customer service and asked them why is my final paid bill is not showing under my wells Fargo account, they stated that they have sent it already and I should talk to my bank ( Wells Fargo ), I immediately sent an email to my bank stating my issue, the bank answers me by I should call this number XXXX, which I did and informed them about my issue, their reply was, we will investigate and reply back to you. 
In the mean time I was being charged by my bank Wells Fargo {$340.00} interest charges against my XXXX XXXX account due to the remaining balance which I paid fully but still not reflected on the account, so I send another email to my bank stating that your investigating is taking too long and I am being charged with every thing in their book, late fees + interest charges and so on, the bank replied back we are still investigating this matter!!! really, it is not fare to delay this matter just so the bank can charge me all those false charges, although I paid the late charges {$38.00} plus the minimum due payment on the interest charges, just so I can keep my credit safe which is above 720, I can't believe that they are still investigating this matter, it is so simple and every thing is done electronically, all what they have to do just contact XXXX XXXX to get the credit memo number and close this case, I have sent the credit memo number to them, and I have sent them all required documents to prove that I have paid the last payment on my XXXX   XXXX account before the end of the period, and I should not be charged all those interest charges, it is done deal. 

I don't know whom to go to, or what to do, I have been with Wells Fargo for so many years and I have been loyal to this bank, I am tired of contacting the bank with no action from their side, please convey my message to them, I can't afford a lawyer to sue such a huge entity and the amount is not that big to the lawyers to take my case, I just need this agony to be over with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-04 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Good Day, I disputed two transactions with Barclay Mastercard ( both for the same merchant : XXXX XXXX ). One was the amount of {$2500.00} and the other for {$2200.00}. The total amount of {$4700.00} was for 7 nights lodging in a gated community known as XXXX XXXX in the country of XXXX & XXXX. Upon arriving to XXXX on XX/XX/19, we discovered that the place promised by the merchant was not the same place they were trying to give us. The new place was in a different area that we deem unsafe and also did not have the amenities like a pool that we really wanted. We decided not to stay there and got lodging elsewhere. Transaction was disputed with the card company. Card company provided me with the credit for both transactions, however returned the balance of {$2500.00}. Upon speaking to a representative they told me to send a letter to the company explaining that although the terms and condition stated non refundable, it did not state if the place we paid for wasnt available another place would be provided. I did that. After doing so another representative told me to send in proof showing another place was provided. I did that. After doing that they told me that credit could not be returned because of the non refundable notation. I advise that that also stated on the invoice which would be considered a contract was the neighborhood XXXX XXXX and also that we would be provided a 3 bdr, 2.5 bath, with a pool and that was not given so the contract should be void. The remaining {$2200.00} has not been returned to my account at the moment as a balance. I was told it takes 45 days for the dispute to be finaled ( even got sent a letter stating so ) but now they're telling me I have to wait 90 days and im stressed and uneasy about something that happened months ago.

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 2019-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: IL

Complaint narrative:
My mortgage was sold from XXXX to Selene Finance and i made my first payment over the phone. The was suppose to send me a welcome pkg with the new terms. However, I haven't received it still so i called. The old company nationstar informed me that my loan was transfer within 15 days. I tried to make my payment online and it went through for my second payment on XX/XX/2019 online with a confirmation number. I called several times because it yet clear my bank so the money still in my  account. Several Customer agent from Selene Finance said its fine ; but its not. I had my sister who helps me with the financial documents to reach out to them and we are constantly lied to. I have no idea now that its XX/XX/XXXX when they will take that payment. Fire XXXX out my account. Im unable to log on to check my account under Selene Finance and the dont help. I doubt wasnt to lose more home or it falls behind because this new company Selene Finance not p processing my payments. I called 6 times and still nothing done. It's very frustrating and im concern that thus new lender is not paying my insurance, taxes or anything because they not processing my payments. Please help! 

Sincerely., XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was away on military duty, and had no way to pay my cards. They marked me late those 3 months, as soon as i returned, i paid it off completely. Per soldiers and sailors act, they aren't suppose to charge me as late.

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 2019-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN

Complaint narrative:
On XX/XX/XXXX, Onemain, without my permission, did a hard inquiry / credit check. While I've done business with them before, no paper or online form / permission was given by me for them to do a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 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: IL

Complaint narrative:
I have disputed with Experian over 15 times about a negative XXXX XXXX XXXX XXXX that's on my credit report in every dispute I requested a written sign contract with my signature on it they have failed to produce the original signed contract I don't understand why they keep violating my rights under there Fair credit reporting act I want this account deleted ASAP do to them violating my rights and the Fair reporting act

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