vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-12 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Dear Sir, I have been observing in my XXXX XXXX report that XXXX   XXXX/XXXX  reporting my closed individual XXXX XXXX credit details every month. I really do not understand why XXXX XXXX has been reporting my closed credit card details every month without any activity and no statements generated. My credit report should have only last payment details, paid and closed with XXXX balance details, these details should stay in my report for next seven years. why did XXXX XXXX credit card company reporting my credit card details without any activity, no transaction, no statements, paid and closed with XXXX balance. Could CFPB direct XXXX XXXX/XXXX to keep the accurate status of last payment details, account paid and closed with XXXX  balance, keep these details in my credit report for next seven years timeline. There should not be any updates and credit reporting every month for paid and closed XXXX XXXX/XXXX  credit cards. Also, there is no XXXX XXXX/XXXX credit card open with my name, date of birth, social, address or using any of my identification details.

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 2018-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Dear Sir, I have closed my individual XXXX credit card on XX/XX/2018 by paying off complete balance amount to XXXX. My closed Individual credit card information is missing in the Equifax credit report since XX/XX/2018. I have communicated to Equifax about this card, right name and address along with various details. I have also communicated to XXXX Credit Card Company to update the right status of closed credit card to all credit bureaus and also Information/Grievance is part of the CFPB records. XXXX has responded to me and CFPB that XXXX credit has been paid and closed with XXXX balance on XX/XX/2018 and also XXXX has communicated to all the credit bureau that my credit card is closed on XX/XX/2018 but this information is missing in the Equifax Credit Report. I have only used XXXX credit card for my purchases [ all my transactions are part of the statements ] and used as normal credit card and I never ever used any kind of benefits from XXXX. 
Could CFPB kindly direct Equifax/XXXX to update my closed XXXX  credit card details in my credit report, which has been missing since XXXX. My closed individual XXXX credit should be part of the records for next 7 years.Its unlawful and fraud for removing my closed credit card details from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: MI

Complaint narrative:
I pay my mortgage through a company out of California, Seterus. I fell behind after a forced retirement, eventually Seterus sent me a modified payment offer, I was told in the documentation as long as I made three consistent modified payments my payment would be the same lower amount for the remainder of the loan. After the third payment Seterus now shows me three months behind with none of the previous three payments being applied to principle or interest. 
I believe I was scammed under the assumption my payments would be up to date after the three lower payments. I am now 90+ days behind on my mortgage, Had I not taken to the scam, I would only be one month behind or caught up by now on payments. At the very least I would have made three full, regular, payments in lieu of three smaller payments. 
Seterus knows I can not afford an attorney for a law suit. What are my options? 

Thank you for your help. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
Received a letter on XX/XX/2016 from XXXX XXXX XXXX XXXX stating that I owe {$1300.00} for new carpet from an apartment that I had moved out of. At no point, was I ever given an opportunity to settle or dispute this amount prior to going into collections. I wrote a letter to XXXX  XXXX on XX/XX/2016 requesting a summary of charges for the damages or receipts and they could not produce. I have no proof that these charges are valid. Now this dept is entered as a collections on all 3 of my credit reports.

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 2018-08-12 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: NY

Complaint narrative:
XXXX XXXX reported this fraudulent transaction to the Credit Reporting Agencies since XX/XX/2013. Someone opened four accounts in my name unknown to me. I requested information from XXXX proving it was me but got none. I filed a dispute with the Credit Bureau but they upheld the Company decision. 
Please advise how to remove this false information from my report. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-12 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: NY

Complaint narrative:
XXXX XXXX reported this fraudulent transaction to the Credit Reporting Agencies since XX/XX/2013. Someone opened four accounts in my name unknown to me. I requested information from XXXX proving it was me but got none. I filed a dispute with the Credit Bureau but they upheld the Company decision. 
Please advise how to remove this false information from my report. 

Thank you, 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 2018-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I received a call @ work on XX/XX/2017 and I took this call at work something I dont usually do because my job really doesnt allow personal calls to me this sounded very important they guy XXXX had me going.. He explained to me from how I was told that bye me paying him a total of XXXXx3, my student loan would be exempt now I didnt know that he was just filling out paper work something I could of done for free not paid a third party. When I stared to receive the invoices from Navient I made a call to them to see what was going and they explained to me how XXXX XXXX XXXX XXXX XXXX has nothing to do with them and they charging me has nothing to do with Navient. I tired to call XXXX at XXXX XXXX XXXX XXXX XXXX they put me on the phone with XXXX XXXX no help at all!! So I had no choice to contacted CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: VA

Complaint narrative:
They said I got approved for a XXXX loan, they was going to put {$490.00} they told me not to spin it, they want to get XXXX XXXX cards a $ XXXX one @ 2- {$50.00} dollars one, total came to {$600.00}, I only had {$100.00}, so they told me to get the 2, - {$50.00} one, a {$100.00} came out if my account, they never put the loan in my account, the bank said they had a check for {$490.00} they signed my name on the back of check etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I opened an account with Lowe 's and purchased some kitchen appliances on XX/XX/XXXX ... totaling {$3000.00}. 
I set up automatic monthly payments with my bank, after a few months I started getting insufficient funds notifications and found that XXXX XXXX was trying to take more than the agreed upon payment, so I closed the auto pay and started paying with cashier 's checks. 
Then they started charging late fees and stating I owed more than what we agreed on. XX/XX/XXXX they said I missed a payment, which was not true, so I ended up making two payments in XXXX XXXX.Every month the payment was different so I started paying {$100.00} every month, XXXX and XX/XX/XXXX, they put two missed payments on my credit reports which lowered my credit scores tremendously. I did not realize this until I decided to refinance my home, to my dismay I was unable to do so. 
This month..XXXX XXXX, I sent them {$390.00} some dollars so they would stop reporting missed payment on my credit reports. 
I made copies of my receipts and sent them to all three bureaus to no avail. 
I also had a Care Credit card with XXXX XXXX for {$4500.00}, only to find the lowered it to {$2800.00} credit limit which also lowered my credit scores ... I have never missed a payment, nor ever been late, have also paid this card off previously. 
I've taken the time of almost ten years to work on my credit, I will not let this bank do this to my credit, I'm going to make sure they don't get away this, will do whatever I need to take care of this problem. 
Meanwhile I went online to look at XXXX XXXX XXXX customer reviews and I was shocked to find they have done the same thing to so many other people, there are more than 5,000 reviews having the same problem I'm having..How can something like this happen and nothing is done about it. 
I will not let this go. 
I have called Synchrony and tried to straighten this problem to no avail, tired of talking to them, they keep coming up with different things of I should say lies. 
I am a XXXX year old XXXX veteran and I should not have to put up with this, I pay all of my bills on time, never late, never missed a payment..this is the only black mark on my credit and I'm not going to let this go. 

Thank you

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 2018-08-12 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Dear Sir, I have closed my individual chase credit card on XXXX XXXX by paying off complete balance amount to XXXX. My closed Individual credit card information is missing in the XXXX  credit report since XX/XX/2018. I have communicated to XXXX  about this card, right name and address along with various details. I have also communicated to Chase Credit Card Company to update the right status of closed credit card to all credit bureaus and also Information/Grievance is part of the CFPB records. Chase has responded to me and CFPB that CHASE credit has been paid and closed with XXXX balance on XXXX XXXX and also Chase has communicated to all the credit bureau that my credit card is closed on XXXX XXXX but this information is missing in the XXXX   Credit Report. I have only used chase credit card for my purchases [ all my transactions are part of the statements ] and used as normal credit card and I never ever used any kind of benefits from chase. 
Could CFPB kindly direct XXXX/Chase to update my closed chase credit card details in my credit report, which has been missing since XXXX. My closed individual chase credit should be part of the records for next 7 years.Its unlawful and fraud for removing my closed credit card details from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I had a low balance of on my debit account at TD of {$6.00}. I fueled up at a gas station on a Wednesday after XXXX using credit. Knowing that it would run through as {$1.00} for a few days before the full amount processed. Where I would load up the account with more than enough money early Friday morning before the banks open. So no harm no foul and I would never reach a negative balance. As planned that's exactly how it all played out. Except that weekend TD decided the would still like to charge me an overdraft when there never was an overdraft or a negative balance on my statement. Huh? ... Funny how that works. Literally stole from me. Called to reverse the fee they refused and I will be closing my account immediately, as I do not like to do business with liars and crooks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Dear Sir, I have closed my Individual Chase Credit Card on XX/XX/2018 by paying off completed credit card balance. Chase also responded to CFPB that credit card has been paid and closed.I have only used this card for purchases, bills payment and same is part of the CFPB and statement records. I never ever used this card for any other benefits ( any kind of insurance or coverage ) since the day I opened this card to closing dated XX/XX/2018. I have dedicated employee benefits and other companies, which have been paid from my salary and employer account. Hence, I never used chase credit card for any kind of insurance benefits. Surprisingly, I have received a letter from chase ( received on XXXX XXXX over USPS ) that making changes to closed credit card benefits, which does not make any sense and also unlawful/fraud allowing any kind of benefits or changes to closed credit card. I have no idea, why chase is talking about closed credit card benefits. First of all, I never ever used any of the benefits from chase since the day I opened to closing the credit card dated XX/XX/2018. When the credit card is closed with XXXX balance, all the transactions and everything related to credit card should be declined and closed effective dated XX/XX/2018. Chase kept on sending fraudulent notices and some kind of changes to closed credit card benefits, which is unlawful and fraud. I will be filing official complaint at Concerned courts and law enforcement if Chase allows any kind of changes or manipulation to my closed credit card. Chase credit card has been closed dated XX/XX/2018 and there should not be any more further transactions or any kind of activity on this card. If someone used any of the benefits using this individual credit card, it comes under misrepresentation and unlawful activity. I am the only one resident and lease holder of my address and there is noone else associated to my address or social. Could CFPB direct Chase Credit card to issue me a letter saying that chase is not manipulating my closed card and what kind of unlawful benefits mentioned in their letter. Could CFPB direct Chase Credit card to issue me a letter that my card has been closed effective from XX/XX/2018 and there are no transactions or fraud or no unlawful activity or no misrepresentation by anybody or noone used any kind of benefits at any point of time using my individual credit card. Chase credit card company has been committing unlawful activities and creating troubles to customers and chase has been harassing customer after closing the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 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: U.S. BANCORP
State: GA

Complaint narrative:
XXXX XXXX card, ( ie : visa, then MasterCard ), from us bank, issues reward checks, but I attempted to cash one of these rewards checks in 2015, then I was told that these were not real checks, but similar to cashback plus discount -combined rewards certificates.but, XXXX checkout employees continue to input the factual rewards certificates as checks, at registers.XXXX XXXX XXXX fraudulently states that these rewards certificates are reward checks earned from the use of XXXX XXXX credit cards .my latest {$5.00} rewards check was dated XX/XX/2018, from XXXX fraudulently creates certificate to look exactly as a real check, but the rewards are not a real {$5.00} check.

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 2018-08-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I received the response that was given to XXXX XXXX. From that I reached out to Wells Fargo Bank this past Saturday the XXXX. They requested me to go to XXXX XXXX XXXX to tell them that on XX/XX/2018 account ending in XXXX, approved to send my money to XXXX with the ACH trace id number XXXX. I went to BOA and could not request any information because I am not their customer. Therefore I am in a dilemma of retrieving my money back since XX/XX/XXXX with no trace of whether XXXX has my money or if it is the possession of Wells Fargo. I spoke with XXXX from Escalation department from Wells Fargo. Her number is XXXX. The Claim number is XXXX from XX/XX/XXXX with XXXX from the Resolution department. They were suppose to notify me on XX/XX/XXXX on the status of my case. No one has been able to explain where my money went and why is not returned to my account. [ {$2600.00} from my savings ] and [ {$200.00} ] from my savings which was withdrawn on XX/XX/XXXX. XXXX made a fraud claim on XX/XX/XXXX which was denied on XX/XX/XXXX and I never received my funds back into my account. XXXX has since attempted to help me get the bank to return the money into my account. On XX/XX/XXXX XXXX  sent me a letter that XXXX XXXX 's claim was denied. He requested for the denial letter to be sent to me as proof to show to Wells Fargo in an effort to get Wells Fargo to put back the funds into my account. I have attached the letter I gave to Wells Fargo. They have sent me on a goose chase and have not done their job in finding out where my money went since it was not returned to my account.

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 2018-08-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Acceptance Corp.
State: MO

Complaint narrative:
I received a garnishment judgment on XXXX the XXXX. This year. From Midwest Acceptance. For a auto loan I didn't file for. They used stolen information. I don't have a vehicle from them nor would I have tried. Midwest Acceptance has stolen XXXX dollars from my pay on XX/XX/18. They used a address I have never lived at. I have filed identity theft fraud on my credit. But, they will continue to steal my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I opened a bank account with PEDFED with intentions of building a relationship.I applied for a credit card during the process, I WAS APPROVED!!! for a XXXX Credit Line. I was then asked to send in proof of income, I did it was accepted. the customer service rep indicated that my income was high and they get a lot of fraud from XXXX XXXX. I waited 10 days the card never came. I called and I was told that the loan processor wanted to speak with me, I called back and I wasn't able to speak to the loan processor, but the The rep told me they wanted to verify my job, they pretended to call my job, never spoke to me, the guy name XXXX XXXX left a message from XXXX, I'm guessing he wanted to find out my race. I called XXXX back and never got him on the phone, the CSR told me that everything was find and they were sending the card via XXXX. I believed him, and waited a few more days and nothing came. I called back and I was told it was denied. I was shocked because it was already approved, that's not how it works. banks don't lie to their customers. So I wrote a letter asking to reconsider my request which was odd because this bank did everything possible not to honor my approval and then lied multiple times, sent out false letters of the reason. 

I wrote : I was told twice that I was approved. I was told the card was sent out to me via XXXX XXXX yesterday I sent in my check stubs almost 2 weeks ago. I am gainfully employed earning a great income this year with no long-term debt. I was told someone from PenFed called my job and hung up, they have caller ID. I am requesting your reconsideration of the original credit line I was approved for, I have similar credit limits rarely used, My creditworthiness is not the issue. The letter has the wrong information. I am employed and I sent you proof of income. 

I was then told via email to send in my taxes, I said OK but before I could do that I was treated like a criminal, I was told they really didn't want to see my taxes and that they have decided based on my ethnicity and location that they will continue to not honor my approval. Attached is them doing everything not to honor my approval.

Company response to consumer: Closed with explanation