vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I was late several times this year on  my Walmart c ard and my amazon. Both of the accounts are held by synchrony bank. I was charged late fees and my credit report was noted as it should be. But then they reduced my credit limit on both accounts to the amount I owed which put me at 100 % on my credit report my score fell over  XXXX  points. These companies are crooked and underhanded and are ruining my credit. How are they allowed to do this

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 2017-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I used to live in a town home complex and moved out in  XXXX   XXXX  and have n't heard from them about any money I owe. I am now living in my own house that I purchased. According to  Professional Debt Mediation ( de bt collecting company ) I owe my old town home complex almost {$300.00} and there 's no reasoning as to why I owe them money. But I would think that on my credit report for buying my house, that was run back in the end of  XXXX   XXXX  that payment, would have shown up or I would have received a letter. I have blocked the phone number that has called me multiple times and I told them to stop contacting me. Now this company has sent me a letter saying I need to send a payment to them in  XXXX    XXXX   and I 'm living in  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
I applied  for two Tuition Answer loan s with  XXXX   XXXX  in  XXXX  and  XXXX . I filled out the applications as the student and main borrower of the loans. I asked my father to co-sign. A few years after receiving the loans I called to have the co-signer removed from the account. i was told that I myself was the co-signer and my father was the student/borrower. I informed them no that we filled out the applications as myself as the student and main borrower. The stated that my father was placed as the main borrower because his  credit score was better and if they would not have done that then we would not have gotten the loan. They stated that there was no way to switch it now. There is also no way to removed my father from the loan ever because he was the student. He never attended school and never was the main borrower. We have tried to have it switched and it is impossible. My father will always be stuck with this loan, because they lied and did something we wished never to have done. If my credit was no good enough for the loan they should have denied me and not went behind our backs to saddle us with a loan. We was promised that we could removed my father from the loan   within four years  from disbursement. Now we will never be able to do this because the lied and put him as the student borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Synovus Bank
State: CA

Complaint narrative:
This complaint pertains to  my First Progress secured credit card  which incurred a 30 day late payment due to an annual fee of {$29.00} incurred in  XXXX   XXXX .     Earlier on  XXXX   XXXX   XXXX , right before I left to Washington state to start a new business venture, I made a payment to pay off the entire account balance of {$1100.00} and closed the account.     However, what I was not aware of is that the account had not been closed and would incur an annual fee in  XXXX   XXXX . When I returned home a few months later I found that m y credit score had dropped and  a new late payment for   XX/XX/XXXX - XX/XX/XXXX  ha d been put on my credit report by  First Progress.    I immediately called and took care of the issue and once again request the account be closed and also requested that the late payment be remov ed. First Progress not only charged me their annual fee, but late fees on their own annual fees. In addition they said they would take over 3 months to refund my security deposit of {$2000.00}. Then despite my multiple calls and pleas to First Progress they refused to re move the late payment from my credit report, stating this was my fault, even though this was their own annual fee they put on my account. I consider these to be predatory lending practices.       I had over {$87000.00} in my bank account at the time of the late payment and had I known that the account was not cancelled, I would have surely made the payment.   I am in the process of securing a {$650000.00} mortgage for our family home, and this issue has cost me a loan approval.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
Equifax is the only credit reporting agency of the "  XXXX   XXXX  '' that simply refuses to provide my credit information ; and my wife 's credit information ; online. Each time we get our credit reports, the other  XXXX  credit reporting agencies quickly and easily provide our information online while Equifax requires us to scan documents, fill out forms, mail envelopes and wait for the mail. This has been happening for many, many years and I think it 's about time someone complained about Equifax 's non-compliance with the SPIRIT of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
On  XXXX / XXXX / 16  I logged into m y Wells Fargo Home Mortgage  account and made an additional payment of {$710.00} to my mortgage account which is due on on the first of the month. As stated, this was an additional payment being made as I already made my monthly payment. However, while making this additional payment I did not realize that I permanently turned off my automatic payment request that was being made on the  XXXX  of each month. As a result my mortgage account went delinquent in  XXXX  and  XXXX . However, I had no idea I was not making my monthly payment for  XXXX  or  XXXX . Since I subscribe to   XXXX   XXXX   and  XXXX   XXXX  I noticed at the beginning of  XXXX   Wells Fargo star ted reporting to the credit bureaus that my payment was delinquent. I immediately called  Wells Fargo to  determine what had happened and found out the automatic payment was turned off. I had no idea that making an extra payment would result in turning off the automatic payment. I immediately paid my mortgage for the 2 months past due, and late fees. Howev er, Wells Fargo will not reverse their decision to report this honest mistake to the credit bureaus and it is negatively effecting my credit score on  all  XXXX  reports. I attempted on  XXXX   XXXX  to submit my complaint t o Wells Fargo and it went denied. I believe Wells Fargo is acting irrationally in reporting the late payment to the credit bureaus. I have NEVER been late on a payment to any of my creditors and I have been a Wells Fargo customer for o ver 10 years.

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 2017-05-24 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: TX

Complaint narrative:
I have been disputing inquiries with all  XXXX  bureaus since  XXXX   2017 . My initial dispute for  VALIDATION  was online and the results came back as " verified ''. When I called in  XXXX    XXXX    2017  to clear up that I asked for VALIDATION not verification and to inquire on what proof they had in accordance to FCRA reporting rules that the inquires were " verified '', I was told that I had to dispute them with each company. I reminded them that according to FCRA rules, it is the burden of the reporting agency to report accurate information and be able to prove such accuracy if asked and if they can not furnish such proof they are obligated by law to delete it and in return to my statement I was told again I needed to call the creditor. I then disputed the inquiries with the creditors and received the same " verified '' dispute status. I then initiated ANOTHER dispute  XXXX   XXXX ,  2017  in writing asking AGAIN for VALIDATION and the  XXXX  bureaus returned with the same " verified '' notification but no one has proof as to me actually applying for these accounts. I furnished the bureaus with a identity theft report and continue to ask them to show me the proof that the inquiries are verified. It has now bee n 60plus days and 3 di sputes later and no one including the original creditor can show me proof I applied for these accounts nor credit issued for any of the questioned inquiries. the  XXXX  bureaus are in violation of FCRA rules and need to remove the inquiries or show me indisputable proof that approved these inquires or delete them. I HAVE ALSO RECEIVED CONFLICTING REPORTS FROM ALL  XXXX  BUREAUS,  ONE  MINUTE THE INQUIRIES WERE GONE AND THEN RETURNED. I have a paper report of them being gone but online they are there, then I received another report where they are there AGAIN. When I called, I was in contact with a agents who barely spe ak English an d I was told it was a glitche in the system and they do n't know what is reporting correctly because of the glitche but the REFUSED to remove them nor can prove they were initiated by me. Attached is a list of hard inquiries not approved by me and identity theft report. Please just remove all hard  INQUIRES, it  is prevented me from obtaining a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am a  XXXX   years old  credit cardholder o f American Express ( " Amex '' ). Due to u nforeseen circumstances, I fell behind on my payment. On Tuesday,    XXXX   XXXX  2017    , Amex attempted to make  XXXX  unauthorized withdrawals (  a/k/a Force Post ) fr om my checking account in the amount of {$980.00} which caused me to incur a charge of {$7 0.00} (  see attachment ). I t hen called Amex to a sk if they had taken money out of my account. The representative informed m e that Amex did  and that I needed to make another payment of {$1300.00} by     XXXX   XXXX   2017    or   they would take another withdrawal from my account, but unbeknownst to me and  the Amex representative the transaction did not go through because I did not have t he funds. I in formed Amex once again not to go into my account and that I would call Amex when I was going to make a payment. I spoke with Amex r epresentativ e on two prior  occasions. First, on Sunday,  XXXX   XXXX   2017  to discuss my late payment and make payment arrangements. I was informed by the representative that  Amex could take money out of my account without my permission. I told the Amex repres entative not to go into my account and felt like the representatives was trying to confuse me and get me to say th at Amex could go into my account. I informed the representative that he did not   have my permission and that I did not have that type of money in my account. I had my daugh ter call Amex on  Monda y,   XXXX   XXXX     2017  and inform  Amex again  that they did not have the authorization from me to go into my bank account. I have always paid my  Amex bill through my checking account, but I did not realize it game Amex the authority to go into account at will. I feel as though Amex is tryin g to intimidate me into committing to something that I can not do by threatening and attempting to go into my bank account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contacted Transunion  XXXX / XXXX /  XXXX   about unauthorized inquiries on my credit and mentioned the early exclusion to have it removed from my account. I was told I could not dispute it or use the early exclusion on my hard inquires that I never authorized, when I have done so before.  XXXX   XXXX  out of  XXXX  could n't give a reason why and never answered my questions directly.  XXXX   XXXX  the supervisor also was very rude and could n't give me direct answer and also refused to give me the number to the supervisor in the United States so I could get my questioned and and possibly resolved, because it seem like they were avoiding the answers to my questions.

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 2017-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
To whom it may concern, I have a collection account on my file from a collection agency named  (  Midwest Recovery Systems ). The account is as follows :   XXXX   XXXX   XXXX   account #  XXXX . Please be advised that I am disputing this collection due the fact ( Midwest Recovery Systems  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , MO  XXXX  ) does not currently have a valid license in ( Florida ) to collect on debts. This information is stating that their license is currently ( Expired/Denied Tech ) according to FLORIDA OFFICE of FINANCIAL REGULATIONS  (  address :  XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  ). I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me physical proof  ( M idwest Recovery System s )  is licensed to collect debt in  (  Florida ). Your immediate response will greatly be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 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: TX

Complaint narrative:
I have been disputing inquiries with all  XXXX  bureaus since    XXXX  2017 .   My initial dispute for VALIDATION was online and the results came back as " verified ''. When I called in    XXXX   XXXX     2017  to clear up that I asked for VALIDATION not verification and to inquire on what proof they had in accordance to FCRA reporting rules that the inquires were " verified '', I was told that I had to dispute them with each company. I reminded them that according to FCRA rules, it is the burden of the reporting agency to report accurate information and be able to prove such accuracy if asked and if they can not furnish such proof they are obligated by law to delete it and in return to my statement I was told again I needed to call the creditor. I then disputed the inquiries with the creditors and received the same " verified '' dispute status. I then initiated ANOTHER dispute  XXXX   XXXX ,  2017  in writing asking AGAIN for VALIDATION and the  XXXX  bureaus returned with the same " verified '' notification but no one has proof as to me actually applying for these accounts. I furnished the bureaus with a identity theft report and continue to ask them to show me the proof that the inquiries are verified. It has now bee n 60plus days and 3 disp utes later and no one including the original creditor can show me proof I applied for these accounts nor credit issued for any of the questioned inquiries. the  XXXX  bureaus are in violation of FCRA rules and need to remove the inquiries or show me indisputable proof that approved these inquires or delete them. I HAVE ALSO RECEIVED CONFLICTING REPORTS FROM ALL  XXXX  BUREAUS, ONE MINUTE THE INQUIRIES WERE GONE AND THEN RETURNED. I have a paper report of them being gone but online they are there, then I received another report where they are there AGAIN. When I called, I was in contact with a agents who barely speak English and I was told it was a glitche in the system and they do n't know what is reporting correctly because of the glitche but the REFUSED to remove them nor can prove they were initiated by me. Attached is a list of hard inquiries not approved by me and identity theft report. Please just remove all hard INQUIRES, it is prevented me from obtaining a mortgage.

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 2017-05-24 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: TX

Complaint narrative:
I have been disputing inquiries with all  XXXX  bureaus since  XXXX   2017 . My initial dispute for VALIDATION was online and the results came back as " verified ''. When I called in    XXXX   XXXX    2017   to clear up that I asked for VALIDATION not verification and to inquire on what proof they had in accordance to FCRA reporting rules that the inquires were " verified '', I was told that I had to dispute them with each company. I reminded them that according to FCRA rules, it is the burden of the reporting agency to report accurate information and be able to prove such accuracy if asked and if they can not furnish such proof they are obligated by law to delete it and in return to my statement I was told again I needed to call the creditor. I then disputed the inquiries with the creditors and received the same " verified '' dispute status. I then initiated ANOTHER dispute    XXXX   XXXX  2017     in writing asking AGAIN for VALIDATION and the  XXXX  bureaus returned with the same " verified '' notification but no one has proof as to me actually applying for these accounts. I furnished the bureaus with a identity theft report and continue to ask them to show me the proof that the inquiries are verified . It has now been 60plus days  an d 3  disputes later and no one including the original creditor can show me proof I applied for these accounts nor credit issued for any of the questioned inquiries. the  XXXX  bureaus are in violation of FCRA rules and need to remove the inquiries or show me indisputable proof that approved these inquires or delete them. I HAVE ALSO RECEIVED CONFLICTING REPORTS FROM ALL  XXXX  BUREAUS,  ONE MINU TE THE INQUIRIES WERE GONE AND THEN RETURNED. I have a paper report of them being gone but online they are there, then I received another report where they are there AGAIN. When I called, I was in contact with a agents who barely speak English and I was told it was a glitche in the system and they do n't know what is reporting correctly because of the glitche but the REFUSED to remove them nor can prove they were initiated by me. Attached is a list of hard inquiries not approved by me and identity theft report. Please just remove all hard  INQUIRES, it i s prevented me from obtaining a mortgage.

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 2017-05-24 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX   XXXX   XXXX      - Notified by  XXXX  that someone had tried to open an account fraudulently     XXXX   XXXX   XXXX     -  XXXX  did  a 3-way  call with Comenity Bank,  XXXX , and Me to have this removed    XXXX   XXXX   XXXX    - Comenity Bank stated they would contact the credit bureau and have the hard inquiry remov ed   XXXX   XXXX   XXXX   -  Received a letter from Comenity Bank stating to give it 45 days to have the inquiry removed Contacted  XXXX  4 times with proof that this was unauthorized and fraudulent and they come back stating it is " record of fact '' As of today ,   XXXX   XXXX   XXXX      it has now been 63 days since this happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX

Complaint narrative:
My mortgage loan was transferred to  Bayview Loan Servicing LLC  in  XXXX   2017  for a modification application. I was told by Bayview representative in  XXXX  the process would take 30 days or less for underwriting to make a decision on my loan modification. We are now several days from  XXXX , yet no one from Bayview has contacted me either by email, mail, or phone call about the status on the loan In weeks. In the meantime, I tried making a mortgage payment but my mortgage company said I had to make payments directly to Bayview. When I called their automatic phone service, I was n't Able to make a payment. I 've left many phone messages, emails, and letters by mail asking them to call me for an update, and explaining how to make my mortgage payments. I have n't heard from anyone from Bayview. My credit report shows late payment from mortgage. Also, I mailed a check for payment to  XXXX  Texas address but payment was not applied to my checking account on time.

Company response to consumer: Closed with explanation