vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I started to receive notices in the mail for a charge off credit account from Synchrony XXXX or Synchrony Guitar Center. I have never had a credit card account from Synchrony this account is fraudulent and needs to be removed from my credit report and the collection agency needs to remove their account from all three credit bureaureports. I have attached my FTC Affidavit

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 2018-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I had a motification loan that i was doing to lower my payment that the company in question kept making mistakes on causing my loan to be reported late. They kept telling me that they were taking care of it only to have nothing done and late pays continually showing up on my report. I own a car dealership and because of the problems caused by this company to my credit they reduced the amount of cars that i could offer at my dealership which essentially has forced me to close my doors. I have tried to resolve this issue with the company many times but nothing has happened. Please help.

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 2018-12-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I submitted evidence to Transunion 30 days ago showing that my report has erroneous payment history for XXXX XXXX. I only had 2 months of 30 day late payments in 2018. The rest of the months should be reported as paid on time.

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 2018-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/2018 I wired money to XXXX XXXX where I had lived and had a business before, and I still have a bank account with XXXX XXXX  in XXXX. The amount of money I asked to be wired was {$85000.00}. and the money which was wired to my bank was the amount of {$68000.00} EURO. At the time of the transfer I was very sick and just had a XXXX. So, I was not able to calculate the transaction amount and myself. I asked the banker who did the wire transfer for me " how much is the rate? " the lady sad " I do not know and it is my fist time doing this. '' When I came back home from XXXX and visiting my family and got better and i was thinking more clearly, I calculated the amount and shocked to see how the bank has cheated me and the rate that I was charged was not a correct one. So, I went to the bank and asked a banker to put a complaint and inquiry about the wire. She did filed a complain and in a few days I got a call from the bank saying the rate is correct and if, I need further clarification to see the paper work I have to bring a sphene from the court. 

I called and wanted to talk to the CEO or someone who could help me with this matter, no one was coperating with me and I was told repeatedly to bring a sphene. I wroter to the board of directors a couple a of times and they all were unresponsive and uncooperative, and was redirected me to the same secretary. 

Attached please find copies of my correspond with the board of directors and my letters. Thank you for your time and consideration. 

Regards, XXXX 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 2018-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES
State: FL

Complaint narrative:
My loan service provider, Great Lakes Higher Education Corporation & Affiliates ( " Great Lakes '' ), has refused to calculate my payment amount based upon my adjusted gross income ( " AGI '' ). Instead, Great Lakes is calculating my payment amount based upon my reported income on my XXXX. By doing so, Great Lakes has improperly increased my monthly payment by a significant amount. 

I am eligible for the Pay As You Earn ( " PAYE '' ) repayment plan. I have submitted all required paperwork for the PAYE plan. Calendar year XX/XX/2019 is my third year in the PAYE plan. 

Pursuant to Section 4B, Line 11 of the IDR Plan Request, OMB No. 1845-0102, I am required to submit my most recent Federal Tax Return with my request to remain in the PAYE plan. As in years past, I logged onto the StudentLoans.gov website to  submit my application. This in turn redirected me to IRS.gov,  whereby I authorized the IRS to electronically transmit my Tax Return to Great Lakes. IRS, U.S. Department of Education, and Great Lakes have provided email confirmation that Great Lake received my tax return. Further, I have verbal confirmation from multiple Great Lakes employees of the same. Specifically, over the past three days, " XXXX, '' " XXXX, '' and " XXXX '' each confirmed receipt of my tax return. 

Nevertheless, Great Lakes requested a copy of my XXXX to confirm my wage information was incorrect. I provided a copy of my XXXX, which confirmed the accuracy of my tax return. However, Great Lakes has now taken the position that they retain discretion to reject my tax return and calculate my payment amount based upon my XXXX wages, and not my AGI, as required by the U.S. Department of Education. Importantly, my AGI amount is lower than my XXXX wage amount, and using my AGI to determine my monthly payment amount results in a lower amount than using my XXXX wage amount. 

I have spoke with Great Lake multiple times in an attempt to resolve this issue. But Great Lakes is unwilling to process my request in accordance with the requirement under PAYE. Moreover, Great Lakes is unwilling to process my request in a manner similar to years past. 

I have ample supporting documentation, and can provide the same as necessary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Resurgent Capital Services keeps calling at all times about a debt that is not valid under different names XXXX XXXX/ Resurgent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
A balance transfer payment was made to my XXXX XXXX Credit on XX/XX/2018 in the amount of {$1700.00} check number XXXX from my Cardmember Service account. The check was cashed on XX/XX/2018. I have supporting documents ( front and back of check ). I forwarded the documents to XXXX Payment Inquiry Team as requested on XX/XX/2018. As of XX/XX/2018 the issue is still not resolved. I have spoken to several different supervisors and was told an investigation is being done. Each time I get an apology but they need more time. I was told the payment was posted to another account. This is totally unacceptable. In the mean time I am responsible for payments to XXXX Credit to avoid late fees. I have had to have late fee reversed on the initial occasion. Please help.

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 2018-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I got a charge about my XXXX bucks service fee because I did not meet their minimum balance XXXX. But I deposit back over XXXX next 2 days. I called Bank of America representative on XX/XX/XXXX.  He promised me can waive XXXX bucks monthly service fee this time because this is my first time. I was waiting for couple days, but I did not see any fee refund. So I called another day to see what's happen on it. But their manager XXXX changed their story. She is very rude with her bad attitude to me. She said her employee said wrong to me. Then she declined my request. I think bank of America should honor their promise what they said. They can not play a trick with customer.

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 2018-12-05 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 — Was not notified of investigation status or results
Company: Risecredit, LLC
State: TX

Complaint narrative:
As I am working to clear up things that are on my credit I came across XXXX XXXX  From XX/XX/XXXX in the amount of XXXX.I sent certified letters to them XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX, showing me proof this debt is mine. To date I have not received any thing from them at all regarding this business matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have previously been the victim of identity theft and now have some more items appearing on my credit report that were not done by me or authorized. I will be placing security locks on all three bureaus to prevent this in the future. The list of Unauthorized Inquiries are : XXXX XXXX  XXXX. XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I signed up for a checking account promotional offer that I was targeted for via snail mail from Citibank. The offer consisted of the following requirements : XXXX AA miles bonus when you open a Citi Priority Account Package and make {$750.00} in debit card purchases and pay one or more bills for two consecutive months. On XX/XX/XXXX I had completed all requirements which were two consecutive monthly bill pays to XXXX plus a {$750.00} debit card purchase. 

Because we're 3 months past the fulfillment of the requirements, I checked with Citibank via online chat what was the status of the bonus. I received the following from the chat rep in regards to my request to check on the status of my promotional offer being disbursed : " You are correct. {$750.00} was made within 60 days upon opening which is XX/XX/XXXX. Two consecutive months bill payments made 1 in XX/XX/XXXX and the last one is XX/XX/XXXX. 
XXXX at XXXX, XX/XX/XXXX : And it states that : XXXX at XXXX, XX/XX/XXXX : The AAdvantage bonus miles will be credited by Citibank to the AAdvantage account within XXXX calendar days from the date when the client completed all offer requirements. Bonus miles credited will be based on the consumer account package at the time of qualification. 
XXXX at XXXX, XX/XX/XXXX : This should be posted automatically by XXXX Thursday. '' On XXXX I received an email notification that I did not meet the requirements. The following language was Thank you for choosing Citi for your banking needs, and for your enrollment in the Citibank {$600.00} Checking Offer ( " Checking Offer '' ). Unfortunately, we have determined you have not fulfilled the Offer 's required activities for the following reason : The required deposit balances were not met during the offer period My mailer offer was NOT for {$600.00}. It was for XXXX AA miles. The requirements were {$750.00} in debit purchases and two consecutive monthly bill pays. Citi may have a {$600.00} checking account offer that is worth {$600.00} bonus but this was not the offer that I received. 

I am seeking a resolution to this issue that Citibank is notorious for, not fulfilling offer promotional terms and conditions.

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 2018-12-05 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: Duvera Billing Services, LLC
State: PA

Complaint narrative:
XXXX XXXX  on XX/XX/26.18 ran to Application ID : XXXX & XXXX with out my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
In response to CFPB complaint : XXXX In reference to the complaint request regarding a legitimate investigation provided by your company ; I am requesting, by law, to provide me with the investigation that your company did. I am requesting any contacts and ways that were in this investigation. After carefully reviewing your response, you have failed to prove that this fraudulent application is me. You or your company stated that, my signature doesnt match. If you investigated that my signature does not match your record you have no right to continue to collect on this collection. At this moment, I will be contacting the company with the response you have provided to me in your CFPB response. You have requested that I provide my drives license to your company, knowing that my identity was compromised. Yet you ask me to fax a copy of my drives license to your company. At this moment I am requesting any documents or any form of logs used to verify this application to be mailed to me or emailed to me. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA

Complaint narrative:
I have been working with the Short Sale Lender for almost 6 months to try to close this short sale. The previous Buyer walked but I recently received an offer from another Buyer around the same time that the Servicer assigned a foreclosure date on the house. The Servicer is refusing to postpone the foreclosure date and will not review the short sale offer despite us sending over all the documents they need to review the file for a short sale. We also requested an updated value to be done to the house but the Servicer responded that they needed an offer first before an updated value could be ordered which was a difficult position they put me through because the property was marketed for a long time and could not get an offer at the amount that the Servicer set the value for. So this was like a catch-22 and when the Servicer assigned a foreclosure date for the house, we could not convince them to order a new value despite the fact that they knew that the property needed many repairs, and that it was on the market for months before a 2nd offer was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Dear CFPB, On XX/XX/XXXX, I was approved by my Loan Servicer, Wells Fargo Home Mortgage, for a permanent loan modification. Unfortunately, my spouse, who is not on the loan, refused to sign the documents. I tried to save my home through XXXX XXXX Bankruptcy, but the combined payments were too much for me. My home was scheduled for Sheriff 's Sale on XX/XX/XXXX. When I reached out to Wells Fargo prior to the sale date, I was told that there were not any options available for a workout. A couple of days later, I was told that if I could stop the sale, XXXX would reevaluate my loan. I filed an emergency motion with county court and the judge granted the stay until XX/XX/XXXX. I am also working with the non-profit organization XXXX to assist me in these negotiations. Wells Fargo told XXXX that I have a lien on my home that was an issue with the modification last XX/XX/XXXX. The only issue at that time was not being able to obtain my spouse 's signature. Now it appears that XXXX is using the lien as an excuse not to assist me. I have the modification documents and the lien is not mentioned on there, nor is it from any correspondence from my Wells Fargo Home Preservationist. I simply want Wells Fargo to honor my modification, as I am in the process of divorce as well as negotiating the lien on my property. At the very least, give me a reasonable amount of time to clear up the lien.

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 2018-12-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As I am working to clear up things that are on my credit I came across XXXX XXXX From XX/XX/XXXX in the amount of XXXX.I sent certified letters to them XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, showing me proof this debt is mine. To date I have not received any thing from them at all regarding this business matter.

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 2018-12-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As I am working to clear up things that are on my credit I came across XXXX XXXX From XX/XX/XXXX in the amount of XXXX.I sent certified letters to them XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, showing me proof this debt is mine. To date I have not received any thing from them at all regarding this business matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As I am working to clear up things that are on my credit I came across XXXX XXXX From XX/XX/XXXX in the amount of XXXX.I sent certified letters to them XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, showing me proof this debt is mine. To date I have not received any thing from them at all regarding this business matter.

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 2018-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: IL

Complaint narrative:
After graduating in XX/XX/XXXX, XXXX XXXX was my loan provider through XX/XX/XXXX. All payments were made on-time and applied towards the PSLF program. Upon transferring to XXXX XXXX, when I received my PSLF qualifying payment update on XX/XX/XXXX, I noticed that they only counted one payment for the entire year spanning XX/XX/XXXX to XX/XX/XXXX. I contacted them on four separate occasions over the past year to have this rectified. They reported that it was a mistake due to the transfer of the loan and they would provide me with an updated copy showing the appropriate payments that were made through AUTO-PAY, on-time each month. I have yet to receive this document, even after contacting them multiple times for it. They reported that they were " behind '' but a year later is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: LEXISNEXIS
State: PA

Complaint narrative:
XXXX XXXX on XXXX ran to Application ID : XXXX & XXXX with out my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2018 at XXXX I tried to pay my mortgage and was unable to I called and also tried the online payment center the message as I could not make payment the company does not allow consumer to avoid foreclosure process. On Saturday I called and spoke w a rep who told me I have to wait until the process start to make the required payment after the lawyer fees are added I asked to speak with an supervisor no one has called make back yet

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation