vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I signed up for AutoPay with Synchrony Bank Sam 's Club. It made a successful autopayment on XX/XX/XXXX. 

Then the system ( with no interaction from me ) un-enrolled me from autopay. When this happened a payment was missed. 

I contacted customer service who had no explanation XXXX XX/XX/XXXX XXXX. Despite having a confirmation e-mail in my enrollment in autopay and I was no longer enrolled. The customer service rep explained it may take several billing cycles to " kick in ''. This does not make since because AutoPay had already " kicked in '' and paid for the previous month. 

They agreed to refund a " late fee '' ( charged XX/XX/XXXX XXXX of {$6.00}. 

There was an interest charge of {$4.00} XXXX charged XX/XX/XXXX ) they will not refund. 

I also paid in full my balance of {$640.00} on XX/XX/XXXX. 

While I am only complaining about a charge of {$4.00}, the principle of being charged this interest due to their flawed system not processing my autopay is downright stealing due to their computer system not continuing my autopay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
original complaint XXXX. 
the company responded saying they notified me earlier this year, but i never received a noticed to dispute or a notice with my rights to dispute. all i received was a bill with a due date, no listed right to dispute to claim was listed on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have the proof that BofA has been unable to find my data from XXXX XXXX through XX/XX/XXXX. It shows that my 1st delinquency is XX/XX/XXXX and so the 7 years is up and this item needs to be removed from my account. Currently they are stating that they have " no-Data '' and so they erroneously report that XX/XX/XXXX is my 1st delinquency ( Which is wrong ). Since I have provided the actual and factual information that BofA has failed to do, then by the Fair Credit Reporting Act, this MUST be removed from my credit report or I will take further action with my attorney against XXXX. Both XXXX and XXXX have already taken this off my report. 

Basically, when XXXX  contacts BofA, BofA keeps extending the date when it is suppose to fall off my report. As you can see, I have provided proof in which they keep doing this. They have done this multiple times and I am way way WAY past my date of 1st delinquency and after XX/XX/XXXX I never made another payment. My documents prove this and BofA can not prove otherwise. The debt owed was {$33000.00} and I did not ever make it current and that is now what they are trying to report that I made it current in XXXX of XXXX and that is a bunch of XXXX. Please help, because BofA is playing games with my life.

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 2019-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I just got my updated annual credit report and there was a credit pull from Kohl 's in XXXX of 2018 that I didn't authorize. I called the kohl 's number on the credit report from XXXX   and they said they had limited ability to see my credit report. the lady kept saying it was a hold on my credit and I said, " No, it was a hard inquiry into my credit. '' She said that the department I called couldn't do anything. 
I called XXXX  then and they said I had to call the company. I told them that I had and they were no help. He said there was nothing he could do. Someone has to be able to do something.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XX/XX/XXXX Midland Funding received my certified letter requesting validation of debt. I have requested that Midland Funding send me physical proof of the debt owed such as all invoices with transactions dates, bank transactions showing that I made payments, and the original application bearing my signature proving I received the services that were provided. After 30 days pasted I sent another certified letter putting Midland Funding on notice that they failed to respond to my letter and that per the FCRA they were in violation by reporting inaccurate information on my credit report. I have disputed with all credit bureaus and Midland Funding has " electronically verified '' the account is accurate. I demand Midland Funding send me the physical documentation proving I owe this debt. This collection has severally crippled my credit. 
Midland Funding says I owe {$1100.00} ... to which I have no knowledge. 
Please have Midland Funding Prove proof ... ..NOT A INVOICE!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
In XXXX of XXXX, My wife and I purchased our first home. The Mortage company assigned to us was 'Lakeview Loan Servicing LLC XXXX ' As required, we bought Homeowner 's insurance through 'Progressive Homesite ' and our monthly mortgage payment included our Principal/Interest payment as well as taxed and mortgage. I have been making my payment in full, plus a small additional amount to round out the payment to an even number ( {$1500.00} ). 

I received a letter in late XX/XX/XXXX from XXXX ( Lakeview Loan Servicing LLC ) dated XX/XX/XXXX stating that I was going to be forced to get Lender Placed Insurance because my " Hazard Insurance had expired. '' I had assumed that the insurance expired since it had almost been a year and was just in need of renewal. I called XXXX that afternoon to get clarification. XXXX told me that my insurance had been canceled LAST XXXX due to a claim I had placed ( My car was broken into at home and tools and school books were stolen. ) XXXX claims to have sent out a letter of cancellation as well as a refund for approximately {$500.00}, but I had not received either! 

I called XXXX back for clarification on why they are JUST NOW telling me that I do not have insurance and to find out where all the money for insurance in Escrow had been going since cancellation. The XXXX employee was surprised that they hadn't realized the lack of insurance sooner. The employee also said that the money was sitting in escrow and had not been paid to an insurance company since the insurance had been cancelled. I was told that I just needed to find new insurance and to call back with the information. I had calmed down and I was just grateful that nothing had happened to the house during the period we did not have insurance. That night, I acquired homeowner 's insurance from XXXX. 

On XX/XX/XXXX, I received another letter from XXXX thanking me for getting new insurance. In this letter, they state that there was a lapse in coverage from XX/XX/XXXX to XX/XX/XXXX and an insurance charge of {$950.00} will be placed on my account for the period of time that their lender placed coverage was in force. 

XXXX 's first notice and contact of possibly placing lender 's insurance on me was dated XX/XX/XXXX of XXXX. Now they are retroactively charging me for services THAT WERE NEVER RENDERED.

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 2019-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Via certified mail ( XX/XX/XXXX, XX/XX/XXXX, and XXXX ) I have requested Equifax to include a statement regarding a unverified account on my credit report. I received 3 letters requesting to send in verification and each time it was sent and the following month I was sent the exact same letter requesting verification. 

I have requested the following statement : " The XXXX Bank / XXXX 's account is a fraudulent account whereas the creditor states they have no signed documentation I opened the account. This information has been provided to XXXX, XXXX, and Equifax Credit Bureaus. XXXX &  XXXX  have removed the account - Equifax refuses to do so. Please obtain a " correct '' copy of my credit report to the two other agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: FL

Complaint narrative:
Please remove inquiries which I do not recognize and which are not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
I asked the company for the original contract twice and they can not provide it. This debit doesnt belong to me. I have disputed it and contacted the XXXX. They only sent a letter saying this was my debt. I want to see the original contract because this debt does not belong to me an I want it taken off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have dispute three accounts for over 2 years and cant get this problem fix. The accounts arent mind, and I provide mistakes in multiple reports and ask to delete these inaccuracies. I ask for documents on these accounts. A auto loan with joint account with someone I never heard of, credit card account with different date reported, and XXXX school loan with different amounts on several reports. If it was validate correctly it should not be inaccuracies between several 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 2019-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have the proof that XXXX has been unable to find my data from XXXX XXXX through XX/XX/XXXX. It shows that my 1st delinquency is XX/XX/XXXX and so the 7 years is up and this item needs to be removed from my account. Currently they are stating that they have " no-Data '' and so they erroneously report that XX/XX/XXXX is my 1st delinquency ( Which is wrong ). Since I have provided the actual and factual information that XXXX has failed to do, then by the Fair Credit Reporting Act, this MUST be removed from my credit report or I will take further action with my attorney against Experian. Both XXXX  and XXXX  have already taken this off my report. 

Basically, when Experian contacts XXXX, XXXX keeps extending the date when it is suppose to fall off my report. As you can see, I have provided proof in which they keep doing this. They have done this multiple times and I am way way WAY past my date of 1st delinquency and after XX/XX/XXXX I never made another payment. My documents prove this and XXXX can not prove otherwise. The debt owed was {$33000.00} and I did not ever make it current and that is now what they are trying to report that I made it current in XXXX of XXXX and that is a bunch of XXXX. Please help, because XXXX is playing games with my life.

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 2019-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I am writing this letter because SPS lies about not giving me a sale date. On XX/XX/2019 SPS said that I did not have a sale date, however today I received a letter dated XX/XX/2019 stating that I do have a sale date. The sale date case after I sent a QWR dated and received by SPS on XX/XX/2019. I talked to SPS today and they told me that they are not going to respond to the QWR sent on XX/XX/2019. They also told my bank XXXX to freeze my account because I sent them a QWR. SPS is working with XXXX XXXX and XXXX XXXX XXXX to threaten me into doing a short sale. I want the XX/XX/2019 sale date stopped and I want SPS and XXXX XXXX XXXX to stop calling my bank telling them to freeze my assets. I plan to sue SPS and XXXX XXXX XXXX for the threats.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: Conn's, Inc.
State: AZ

Complaint narrative:
I got a disturbing news from my credit bureau ( XXXX  ) that Conn 's reported 30days past due which alert me to call Conn 's, because I just paid them on XXXX for my XX/XX/XXXX payment I can only pay on the XXXX of the month and they wont change the due date so the rep offer me an extension and set me up on auto debit to starting on XXXX so I'm always 2 weeks ahead rather then 2 weeks late but this shouldn't ever cause Conns to report me 30 days past due I been paying this way for over over over a year now. so I called Conns today XXXX because if I didn't accepted the extension and with the payment on made on XXXX for my XXXX payment my account would of been 7 days past due as of today XXXX and I would of paid it on XXXX. so I called the rep on XXXX and I was advised that they made a mistake and misapplied my payment THAT THEY MADE A MISTAKE, I reminded them due to there careless mistake it caused to mark my credit I'm extremely upset I want this matter fixed immediately this isn't the first time these people made a mistake, I demand its fixed and they need to update my credit bureau I shouldn't have to prove to them that they reported my credit when they know they did if you are willing to fix the mistake this should also include the negative reporting as well on there part, if my credit and account isn't fixed being this is the 2nd time I had to deal with them since 2016 I'm prepared to make an Attorney General complaint and contact the news I work very hard to build my credit and to get knocked down and punished for there careless mistake and tell me they don't know if they would fix my credit but they would try to fix my misapplied payment isn't fair its abuse this is terrible so I have to put my life on hold and wait 72hrs to hear back about my money they took from me that sitting in my conns account but yet reporting 39 days was my money applied to someone else account???????? I want my account to report and reflect current like it suppose to be and update all 3 credit bureau they made the mistake they need to fix it entirely!!!!!!!!! 
I'm suppose to be buying house you are messing with my life AGAIN!!!!!! I WILL NOT LET THIS SLIP AWAY THIS TIME!!!!!!!!! EXPECT MORE COMPLAINTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-04 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I WAS PUT IN THIS SITUATION DUE TO SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Seattle Service Bureau, Inc
State: CO

Complaint narrative:
XXXX XXXX with National Service Bureau has Reached out to me 3 times. 

On his first call XX/XX/2019 : XXXX He claimed I owed a debt I do not owe. While I am aware that the the original debtor felt I still did, I have emails to show I do not. Before letting me get that far he threatened that if I do not work with him to pay him now he would contact my employer. I said you are not allowed to do that and if you do call I will answer and report it. He then claimed that he would find the company owner 's cell phone number and call him anyway. He ended the call rather abruptly as he seems to like to do. 

I explained these events to my partner who attempted to contact him about this and warn that he would be reported if this continues. He was told no further communication would be accepted by phone. Despite giving permission on the phone for her to talk he hung up. ( Seems he doesn't like to talk on the phone if he can't bully people into sending him money right away ) Again he called XX/XX/2019 : XXXX He claimed again that I would pay him, told me that he sent me a letter that I never received and I stopped him before letting his aggressive tactics progress. I told him I was not to be contacted by phone. I verified my address with him and told him to submit anything further in writing. I also told him I would be reporting him for his actions. 

He claimed he is safe because all calls are recorded and that ensures he cant be reported. Upon looking him and this company up there are many reviews that site his name directly and the absolutely vile way he goes about business. If he communicated properly, wasn't aggressive and allowed this debt to be disputed accurately he would have realized this isn't a debt I owe but instead he has tried to bully me into sending him money for fear of losing my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Like many people I had some debit/gift cards lying around. On XX/XX/XXXX I decided to convert them to an XXXX  credit since I use XXXX often. I got the balance wrong on one card so it was declined. I looked everywhere on the XXXX website to cancel the purchase and could not find a way to cancel. XXXX sent me an email saying that they would give up in two days if the card didn't work. 

Instead of giving up they decided to just substitute and charge my XXXX card which I NEVER use. I never gave them permission to charge this card and how convenient for them to just use THEIR propriatary card without my permission. So now I have a new bill for {$15.00} that I must spend with them. This make me REALLY angry. Don't they think that I would substitute to different card myself if that's what I wanted to do? Now XXXX XXXX I get their bill in the mail. Unbelievable -no way to cancel -used a card I have NEVER used -no notification they were going to switch cards

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-04 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: FL

Complaint narrative:
Please remove inquiries which I do not recognize and which are not belong to 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 2019-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I been trying to fix a dispute with Transunion about accounts with XXXX and XXXX XXXX XXXX. The accounts show multiple charge off dates and different reporting dates. I ask for proof and couldnt/didnt get documents to provide their validation on these false accused accounts.

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