vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
To Whom It May Concern, I am writing **again** about Ally Financials illegal business practices, as they contacted me again about a debt that they claim XXXX XXXX XXXX owes them. I originally opened a complaint on XX/XX/XXXX. You can find details from the original complaint by using the following CFPB File # XXXX. There you will see that I reported that the company contacted me and illegally disclosed Mr. XXXX 's debt and demanded not to be contacted by the company again. Ms. XXXX XXXX responded that she did not believe the company disclosed a debt but did state " we have taken the steps required to place a Do Not Call on the phone number ending in XXXX. No additional calls should be made to this number. '' Nevertheless, I received an additional call on XX/XX/XXXX, again requesting that I contact them about Mr. XXXX. 

I have kept the message sent to me through a fake phone number, XXXX, and contacted them today about **AGAIN** violating the FDCPA. The caller 's name was XXXX XXXX, or something like that, and her extension is XXXX. XXXX requested that I call her back at XXXX. I recorded the conversation just as their recorded message says the company does when someone calls back. The recorded message also VERY CLEARLY discloses the fact that they are trying to reach Mr. XXXX about a debt, as the message say they are recording the conversation for that purpose. In the recorded conversation, I notified another speaker who took the call for XXXX that they violated the FDCPA by contacting me AGAIN after I demanded no more calls and Ms. XXXX stated very clearly in the original correspondence that I would not receive any further. 

This is too much. The FDCPA has been violated and the company must be held accountable for their predatory practices. I do not owe them a debt and have requested that they stop contacting me, which they have not done. Instead, I have been harassed again about something that has nothing to do with me, and the constant harassment is deleterious to my health and well-being. This is **unacceptable. **

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 2019-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
I am out of work on FMLA but not receiving any XXXX benefits. I called my mortgage company, Suntrust, in XX/XX/2019 when I received my first loan modification package and let them know that I was selling the home and the loan would be paid in full on XX/XX/2019. The lady I spoke with then advised me not to fill out the modification package since I had no income and I was selling the home. She then let me know that I needed to at least make one payment before XX/XX/XXXX in order for the loan not to be considered for foreclosure. Our buyers then moved the close date to XX/XX/2019 and I called Suntrust to let them know on XX/XX/2019. I was then told that all these letters had been sent, which I did not receive, and that I owed around {$5000.00} to stop the foreclosure process. This was completely different from what I was told by Suntrust a month earlier. So I am now told that there is nothing I can do besides wait and hope I close in time before the foreclosure sale.

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 2019-06-10 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: GA

Complaint narrative:
Equifax is intentionally reporting unverified and inaccurate account information from XXXX XXXX account. Account has been deleted from two other credit reporting agencies. Have sent to Equifax XXXX XXXX 2019, 4 letters with USPS certified delivery to the company and the company refuses to respond to any letters sent to validate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX XXXX I was trying to buy a product from someone online. I sent the money using XXXX as its through Wells Fargo and I thought I would be protected because its a transaction through my bank, however this was not the case. When I called to make a report of this I was greeted with a brick wall. The customer service rep was condescending and not much help as she filed my complaint. I never received any follow up through the course of their investigation. They closed my claim and didn't even notify me, I found out by calling to check on the status of the claim. Wells Fargo should be ashamed to partner/work with a company that offers its consumers no safety net. So I was scammed out of {$400.00} and thats unfortunate for me. Please, DO NOT SEND MONEY THROUGH 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 2019-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one ran a hard inquire on my credit report twice with out my consent or my knowledge which has severely hurt my credit. 

They ran it on XX/XX/2019 and on XX/XX/2019 2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-10 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: IL

Complaint narrative:
Synchrony Bank locked me out of my accounts so that Ill miss my payment due date. They do this so that they could charge customers late fees. I also have problems during payment process ( not applied fast enough ). After making a payment customers have to call the bank and request that their payments be applied to their available credit so that theyll have enough credit to make another purchase. Otherwise the credit will be applied one or two weeks after the payment is received.

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 2019-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX is harassing my work phone number and calling my family members multiple times asking questions. I have asked them to stop calling my work phone number in writing and to only call my home number at the appropriate hours. Also they will not validate the they account and their contract.

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 2019-06-10 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: GA

Complaint narrative:
Attempting to apply for a credit card. 

Called XXXX and requested a temporary lift of the freeze. Gave them personal info and pin #. They complied in less than 5 minutes.

But when I called Equifax, after 20 minutes of giving the person a lot of info no one else could have, and our Equifax freeze pin #, the person said that I still had to fax or mail copies of 3 pieces of identification to them before they would lift the freeze temporarily. 

I suspect something is wrong. Is this person trying to use my info to get credit or sell my info to someone to use during the lifted freeze period? 

It certainly is suspicious for the credit bureau to request from customers such a difficult and lengthy process just to temporarily lift a credit freeze. Especially when I gave XXXX at Equifax more personal info than XXXX needed, to verify my identity that no one could know besides me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: KY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX ( Original Creditor : 12 XXXX  XXXX XXXX  XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : 12 XXXX   XXXX XXXX XXXX  ) XXXX ; XXXX XXXX ; Chapter XXXX Bankruptcy 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 2019-06-10 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: KY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; Chapter XXXX Bankruptcy XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with  my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX 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 2019-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: MD

Complaint narrative:
My name is XXXX XXXX. I am XXXX and I am XXXX year old. I move out from XXXX and I live in XXXX with boyfriend. I just went check my XXXX   XXXX and I found my credit only XXXX. So I went to see what wrong why it low and I found out i owe hospital bills on XX/XX/XXXX Also I wasnt there and I owe cable I never have cable on my name. I move in XXXX on XX/XX/XXXX. I was so upset my father was theft my name and lost my credit. So I dont want to pay my three owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MA

Complaint narrative:
There is a public record on my credit file that does not belong to me, My name is XXXX XXXX not XXXX XXXX, and that public record has another persons name on it. I want the data furnisher which is not the court, to explain to me why is this public record on my credit file and where did they get it from. My credit file says that the company providing the bureaus with this public record information is called Lexis Nexis. I dont know who this company is and I dont know how this public record was put on my credit file. The FCRA states that a consumers credit file need to be 100 % correct without any errors. I want Lexis Nexis to delete the public record immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
On XX/XX/2018 I submitted a cease and desist letter to my mortgage company, Carrington Mortgage Services, requesting all future communication and requests concerning my account be submitted to me in writing. I called Carrington today to inform them that I have not been receiving monthly mortgage statements nor can I access them on my online account. I was informed that my cease and desist request prevents Carrington from producing and providing my monthly mortgage statement in any form. I believe this practice violates my rights as a mortgagee and am submitting the this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I got behind on my payments. I called Chase on XX/XX/XXXX to renegotiate my payment amount. I was told that I could do that and was told my payment would change from XXXX  XXXX/month to XXXX XXXX/month. I was also told that for credit reporting purposes I would be shown as current. I understood this to mean that the late payment information would be updated and no longer show missed payments. I called back on XX/XX/2019 to find out why my credit report still showed that I was late. I was told I had to make 3 consecutive payments for this to occur. In XXXX, after having made 3 consecutive payments, the credit report still shows that I am past due by 90 days. On XX/XX/2019 I received a letter stating that my payment had not been received for XXXX when it was made and recorded on the website as of XX/XX/2019 at the new agreed upon amount. I called on XX/XX/2019 and XXXX ( employee id # XXXX ) told me she would review the call log and get back to me. She was going to research the phone log and find out why I had been told that my status would be updated and then it was not. 

On Monday XX/XX/2019 I called back again. Only the XX/XX/XXXX call was reviewed and not the XXXX call. Account still shows over {$500.00} past due and it should show as current as of XXXX as agreed. 

Additionally, Chase had a name change to JPMCB and this resulted in a 1 point drop in my credit rating. Their name change should have NO impact on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-10 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: AZ

Complaint narrative:
An account is showing on my credit report from Synchrony XXXX XXXX that has been verified by Synchrony that this account is not mines. I disputed the accuracy of this account with XXXX, XXXX and XXXX. Immediately the account was removed from XXXX and XXXX, but XXXX just replied that the account was verified and would remain on my report. I called XXXX to try and explain that this could not be the case because Synchrony has verified I have never had an account with them. The XXXX representative just stated it would stay on my credit file because it had been verified.

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 2019-06-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I made an online purchase on XX/XX/XXXX that as delivered to me. I then returned the items on XX/XX/XXXX and purchased other items. I did not get the correct credit and THEN on XX/XX/XXXX someone used my card to make additional purchases that I did not authorize on XX/XX/XXXX. I filed a fraud complaint and was told that the order on XX/XX/XXXX was mailed to me. IT WAS NOT! The tracking number they gave me isn't even accurate. I want the charges of {$120.00} removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-10 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: AZ

Complaint narrative:
This is not a duplicate complaint as Transunion keeps changing the rules of the Fair Credit Reporting ACT, see enclosed letter to Transunion that they need to answer as they have sent responses that contradict each other, as they have sent misleading letters

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 2019-06-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I applied for a Sams Club credit card, and the interest rate was not given at time of application on XX/XX/19. I received my credit card with its information on XX/XX/19. I became aware that it has a 25 % interest rate, which is much higher than many other credit cards that I have. On XX/XX/19 I attempted to speak with a customer service representative to request a lower interest rate. They stated that they couldnt do anything for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
sent all required documents that supports my ftc violation claim inquires caused were not removed XXXX : XXXX : XXXX XXXX experian rpts ar XXXXXXXX XXXX XXXX XXXX XXXX XXXX 5 times XXXX XXXX XXXX twice XXXX XXXX experian : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX 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 2019-06-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I have tried contacting Hyundai Motor Finance multiple times to inquire about lease termination or lowering monthly payments due to financial hardship, and I have not been able to speak with anyone regarding this matter. Each time I call I speak with someone who informs me they need to transfer me to a different department. While I'm on hold for the transfer the phone call hangs up about 2-3. When I am given a direct line to call for the lease termination department, it just brings me to Hyundai Motor Finance 's main number. This is very frustrating because we need to address our account but can't seem to contact the people to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: MS

Complaint narrative:
Please see the attached documents including a letter addressing all issues and concerns regarding the loan, documentation, emails, etc. that describes my transaction from 2006 to present. 

Thank you for your time and consideration, XXXX XXXX

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