vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-30 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: FL

Complaint narrative:
I have a Rooms to Go credit card with Synchrony Bank with a monthly amount {$84.00} due on the XXXX of each month. I scheduled the Bill Pay through my XXXX XXXX account to be delivered by the XXXX of each month for {$84.00}. <P/>XXXX XXXX shows that the payment has been received each month before the XXXX for the full amount - not just the payment but the full amount is credited to my checking account for {$84.00}. <P/>Synchrony claims they receive the payments 1 day later. This has happened a couple of times and happened again in XX/XX/XXXX. According to XXXX XXXX, the check cleared on XXXX XXXX, 2017 but Synchrony posted it my Synchrony account on XX/XX/XXXX, thus triggering a finance charge and late fees.

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 2017-06-30 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: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
According to Trident Asset Management, there is a {$100.00} bill from XXXX. This is not accurate. My bill with XXXX was paid in full in XXXX 2012,  when I moved from XXXX to XXXX. <P/>This continues to show on two of the credit reporting companies. XXXX and XXXX. XXXX  removed it from my file at my request. <P/>I do not have payment information that goes back to 2012 as Trident is requesting. <P/>Why does one drit reporting agency remove this from my file and the other two do not. Why is the burden of proof not on Trident Asset Management. <P/>I just switched from XXXX to XXXX for my cell service. Do you think XXXX would have allowed that if I owed them money? <P/>Please get this fake debt to go away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
According to XXXX XXXX XXXX, there is a {$100.00} bill from XXXX. This is not accurate. My bill with XXXX was paid in full in XXXX 2012, when I moved from XXXX to XXXX. <P/>This continues to show on two of the credit reporting companies. Euqifax and XXXX. XXXX  removed it from my file at my request. <P/>I do not have payment information that goes back to 2012 as XXXX is requesting. <P/>Why does one drit reporting agency remove this from my file and the other two do not. Why is the burden of proof not on XXXX XXXX XXXX. <P/>I just switched from XXXX to XXXX for my cell service. Do you think XXXX would have allowed that if I owed them money? <P/>Please get this fake debt to go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 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: NJ

Complaint narrative:
I have sent multiple request certified mail to have copies of the documents they have in your files as of this date that you used to verify the accuracy 19 accounts that are not mine or have all 19 accounts deleted. <P/><P/><P/>Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to demand that they disclose to me all of the documents that they have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit reports or such accounts be deleted immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). <P/>The last request was sent on XX/XX/XXXX and as of XX/XX/XXXX, they did n't do a proper investigation due to the quickness of the response given. I have NOT received any documents, saying that these accounts have been verified nor have they been deleted. <P/><P/>They are reporting inaccurate information on my credit report which in fact is a violation of FCRA.

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 2017-06-30 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: FL

Complaint narrative:
O n   XX/XX/XXXX , I   mailed a letter to Equifax notifying them of inquires that they have listed on my personal Equifax credit report that I had never authorized. I requested that they supply me with authorization that they received from me to the creditors and received a letter stating that they are " factual ''. My claim was not to address weather or not they are factual but to supply me with my consent to obtain my credit report. Equifax has been unwilling to assist with these unauthorized inquiries and this is affecting my finances. How is the " factual '' determination even made without contacting the creditor that supplied them with the information and getting proper validation? I would like to know the method of them deeming an inquiry " factual '' without proper verification or validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Southwest Credit Systems a re reporting to  XXXX  that I owe a balance of {$250.00} for  XXXX   XXXX  showing that this was reported  XXXX   XXXX ,  2015 . However I have current service with  XXXX , and have been well before that date.   I do not have an account at the address that is attached to this collection. I have an active account with  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
There are  XXXX  medical accounts just recently listed which are unknown to me. These are not mine nor do I owe. I 'm requesting removal of these ASAP ABLTY RECVRY  XXXX  FOR {$1600.00}  XXXX  {$63.00}  XXXX  {$58.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My mortgage was transferred from XXXX XXXX XXXX to Nationstar, in XX/XX/XXXX. I was not happy about this transfer and asked if I could have my loan moved back to XXXX. This was denied by Nationstar. I have always made payments to nationstar on time. In XX/XX/XXXX, I was alerted during a credit check that my credit report showed a missing payment to Nationstar. This was the first time that I was made aware that I had any payment issues with NationStar. They have never contacted me for not receiving the full payment. in XX/XX/XXXX they held a payment from me for 30 days because they viewed it as partial, however they did not apply it to the principal. The money was " un-applied ''. I have spoken to Nationstar on three separate occasions and they have told me they would start an investigation. However, I have never received any follow-up and each time I speak to them it is a complete restart from the beginning. The last two days I have tried to call them I was automatically hung up on. I tried to call them multiple time on each occasion. There has never been a missed payment to Nationstar, they did not apply the payment because it did not fully cover the escrow and insurance increase. However the payment made was enough to cover the principle, interest in full. In XX/XX/XXXX I tried to re-finance with Nationstar and was told that I would have to wait until I had two years of taxes showing my XXXX income. They did not mention to me that there were any payment issues with my account. After receiving the credit report I was able to determine that Nationstar has records that only a partial payment was received since XX/XX/XXXX. For over a year they knew that there was an issue with a partial payment to my account, this is only partial based on the calculated escrow account. I never received any calls or written letters. The amount I have to increase my payment changes two times a year. I have never received any personal call from Nationstar. I am constantly receiving automated calls from them, however whenever I call them the calls are always opportunities. I need to have this missing payment removed from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX has assigned your account to Monterey Financial Services, for servicing. As authorized, we have set up your account for debits of {$18.00} from your bank account each month on your due date. If you have any recent changes, or anticipate any changes with your banking relationships please give us at least 2 business days notice prior to your draft date to allow for changes. If you did not authorize automatic payments we will send you a coupon book in approximately two weeks. New Account Number : XXXX Balance : XXXX Late Charges : XXXX Monthly Payment : XXXX Next Payment Due : XX/XX/2016 Amount Currently Due : XXXX Early Payoff Amount : XX/XX/2016 Early Payoff Expiration : XXXX I applied with XXXX XXXX XXXX at XXXX XXXX 's for my daughter 's car repair 's to get her ready for a long trip to Wisconsin she is in the Military, was very important to me. I found out that XXXX stopped using XXXX so I used the XXXX XXXX and I was unaware of the Company called XXXX XXXX was the institution that was in charge of collecting the payments for XXXX XXXX XXXX. XXXX XXXX owns XXXX XXXX XXXX. So when I was the charges coming through by XXXX I thought it was fraud attempt and I put a stop payment so I put a stop. Now they want to charge me double the amount owed it was a ridiculous interest rate they are charging me for this miss understanding, and they have already collected the majority amount that I had originally financed with them which is {$140.00}. I am a single mother and I am on XXXX XXXX XXXX at this time and my income is half of what I would receive if I was working. Please help me with this matter, I am willing to work with them but not by paying double what I originally financed with XXXX XXXX  XXXX. <P/>XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 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: NJ

Complaint narrative:
I have sent multiple request certified mail to have copies of the documents they have in your files as of this date that you used to verify the accuracy 19 accounts that are not mine or have all 19 accounts deleted. <P/><P/><P/>Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to demand that they disclose to me all of the documents that they have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit reports or such accounts be deleted immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). <P/>The last request was sent on XX/XX/XXXX and as of XX/XX/XXXX, they did n't do a proper investigation due to the quickness of the response given. I have NOT received any documents, saying that these accounts have been verified nor have they been deleted. <P/><P/>They are reporting inaccurate information on my credit report which in fact is a violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC
State: DE

Complaint narrative:
I advised this company to stop calling me on the dialer on several occasions. This company has not respected my wishes and continues to call me on the automatic dialer. On  XXXX   XXXX  I received yet another call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Synchrony Bank, the issuer of your XXXX Account account XXXX They increased my minimum pay from XXXX to XXXX and never informed me and the charged and charged ... ... I was paying 2 times per month still got late fees ... .I lloks as inpossible to pay!!! <P/>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX utah 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 monetary relief
Consumer complaint received 2017-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had an existing mortgage with Capital One that I was in the process of refinancing in XXXX of 2017. I knew my closing with the new lender would be around X/XX/17 which was before the tax payments were due at the county ( XX/XX/XXXX ), this would mean that the new lender would require me to bring the tax money to closing. I therefore called Capital One to ask them not to disburse the payment to the county. They claimed they could not do that and in fact around X/XX/17 claimed they had already sent the payment ( they did not disclose that they had only disbursed funds to XXXX who aggregates tax payments for them and sends it to the county at a much later date ). When my refinance closed I called the county to verify that the taxes had been paid by Capital One, but they had not since XXXX had the funds at the time. As a result I had to pay the taxes at closing. I then called Capital One to ask them not to send the payment to the county, but they claimed that the payment had already been issued and that I would have to wait and get it back from the county. When the county confirmed that double payment happened ( X/X/17 was when they received the money from Capital One ) I called the county to ask them they refund the funds directly to me. They said they could not do this without Capital One 's authorization. I called Capital One to ask them that they provide a document so that I could request the county to send the money to me, but Capital One claimed they could not do this. The county issued a refund check on X/XX/17. I am writing on X/XX/17 and I still have not received the money from Capital One. As a matter of fact Capital One has still not received it from XXXX. Every time I call they give me a data in a week 's time ( X/XX/17, X/XX/17, X/XX/17, etc ) but never acknowledge the fact that my money is sitting in a bank account earning interest for XXXX instead of being disbursed to me. I am requesting that Capital One immediately mail to me a check for the amount of XXXX which through their incompetence and lack of cooperation have been holding hostage from me. They had the capability to avoid the trauma for me but simply did not care to provide efficient, prompt customer service by claiming there was no way to : 1. stop payment on X/XX/17 when I provided proof that the taxes were paid. 2. Request a direct reimbursement from the county to me when I asked this process be done. 3.  Provide a prompt check to me once the funds were sent back from the county.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 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: NJ

Complaint narrative:
The credit bureau does not want to remove a  XXXX  account on my credit that is not mine. I have never had an account with  XXXX  and I know I have no unpaid debts with them. I have called  XXXX  and they do not have any records that match my personal information I give them. Why is the credit bureau refusing to remove this account? I also sent a dispute to  XXXX  in the past and   XXXX   promptly deleted the account in  XXXX  once they verified it was not my account. How can there be different results between  XXXX  and this credit bureau for the same investigation? This credit bureau is not processing my dispute properly and this mistake is affecting my credit unfairly! I am attaching   XXXX   XXXX   investigation results also showing the account was deleted. The account number is  XXXX  and the balance is {$54.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
My bill pay check was not dated until XX/XX/XXXX, but the funds were made unavailable by the bank. As soon as I find out, I called the bank at XXXX on X/XX/17. He placed me on a long hold, telling me that he would try to cancel the bill pay and make the funds available. After a few minutes, he said he or his manager would call back. I never heard back from anyone. I then called the bank at my lunch, and they informed me they would not make the funds available. They essentially told me they could do whatever they wanted and did n't have to respect my wishes to cancel the transaction I feel this is constitutes deceptive and unfair business practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX never sent me a letter regarding alleged debt. This VIOLATES the FDCPA. They fictitiously reported to credit bureaus that I owed XXXX dollars to a business named XXXX XXXX XXXX. Once again, this violates the FDCPA. I have never done business with XXXX XXXX XXXX nor applied for a loan with them. I contacted credit bureaus and disputed. XXXX and XXXX are no longer reporting this fictitious account. TransUnion continues to report because XXXX XXXX XXXX continues to report this fictitious account to them. This is another violation of the FDCPA. This is nothing more than an attempt to extort money. Furthermore, payday loans have been illegal in the State of Arizona since XXXX XXXX, 2010 according to the Arizona Attorney General.

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 2017-06-30 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: KY

Complaint narrative:
I was appointed fiduciary conservator for my mother who has XXXX. One of the requirements of this appointment was to close her credit card account. I met with Chase Bank at a local branch and provided them with a certified copy of the court documents and my power of attorney documents. These were forwarded to the Chase Bank legal department. I then contacted the Chase Credit Card Department and explained the situation and asked for the account to be closed. This was done and I remitted the outstanding balance via check. Several weeks later I observed my Mother using the credit card. I called Chase again to see what had happened. They said my Mother called them and asked to have the account reopened, which Chase did. I explained that I was Court appointed Fiduciary and the account was to have been closed permanently. Chase said they had no record of the document. They would close the account again but if my mother called in again they would reopen it. I explain that my Mother had no means to pay the bill when due because she had no money and no bank accounts. They then told me that the account was on autopay from a Wells Fargo account. I told them that that account had been closed and they would not get paid from it when due. The customer service rep and her supervisor did not care. They did not ask for a copy of the court documents. The supervisor actually said that if my Mother was sound of mind enough to call in then she must be fine with the credit card. Both individuals i spoke with were giving me advice on how to deal with my Mother and XXXX, which was unbelievable. I feel like Chase was fine with not getting paid so that the account would be charged with late fees and a high rate of interest. One reason the Court wanted this account closed was because my XXXX year old Mother was threatening to buy a plane ticket and leave the state. If this were to occur because of her access to a credit card this would be a huge problem and I would hold Chase Bank responsible. This phone conversation with Chase was on XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
X/XX/2017 I received a response to the last complaint that I submitted. The response was that the bank will lose too much money to sell it at market value with the liens, closing costs and commission. I asked for a counter offer, or an amount that the bank is willing to accept so I can list the property at that value. The bank refused to give a counter offer or a number that they are willing to accept. -The banks reasoning is that market values, closing costs, and commission changes regularly. -There has to be a number that they are willing to accept or they will accept anything. There is a threshold and refusing to tell me that has seriously hampered my ability to short sale the home in a timely manner. -This has forced me to do a deed in lieu instead of a short sale. -I will be watch this property closely and if it sells for less than 68k I will be bringing a suit for Tortious Interference and Deceptive business practices. -I have tried to short sale the home with this handicap for 22 months. - I was very hopeful that the offer matching the market value would be accepted.

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