vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Financial Credit Service, Inc.
State: AZ

Complaint narrative:
XX/XX/2018 To whom it may concern : This is in reference to a company by the name of ARA , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, allegedly representing XXXX XXXX XXXX. XXXX is now owned by XXXX whom I contacted immediately. There is absolutely no account in my name or my deceased husband of 25 years, be it current or delinquent. ARA is attempting to collect a non-existent debt of {$8600.00} which they are willing to settle for {$1000.00}. They have communicated with me first by telephone, and then by mail. I have explained to them that this account and the charges associated with it are erroneous. They continued to call and harass me. Therefore, I have reported this to my local police department, the US Attorney General 's Office and now your office. 

Thank you for your consideration in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
In XX/XX/XXXX we applied for a mortgage with Wells Fargo Mortgage while not needing funding until house completion scheduled for six months later but wanted to lock in a good rate fearing an increase while waiting. Wells Fargo recommended 'XXXX XXXX ' which called for a minimum loan amount of {$400000.00}. and payment of an upfront fee of 1.25 % ( {$4200.00}. ) to lock rate for up to 12 months. The only stated reasons for a refund of this fee were failure to qualify or failure to appraise. We paid the fee, qualified for the loan, and the unbuilt house appraised but in XX/XX/XXXX the contractor decided to cancel construction and refunded our deposit. Wells Fargo Mortgage considered our request for a refund of {$4200.00}. for many months ( until XX/XX/XXXX ) and then informed us that no refund would be approved saying that our money had gone to a third party to purchase rate protection and could not be recouped from said third party.

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 2018-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My name is XXXX XXXX, last XX/XX/2017 I placed order online from XXXX they took the payment of {$300.00} in my XXXX Credit Card. Synchrony BankXXXX XXXX. XXXX XXXX Fl XXXX Credit Card provider. Seller email me, my stuff deliver XX/XX/2017. I call the XXXX Customer Service, I havent receive my stuff? They told me gave some couple of days, it could be delayed? After a couple of days I call them again and tell them Ive havent receive nothing? And I want a full refund of my money back. The customer service giving me a hard time for my full refund? And asking me a lot of things to do? They took the payment right away in my XXXX credit card and I didnt receive my order? What a big SCAM? I disputed this issue in my XXXX Credit Card Synchrony Bank many times, same as XXXX they dont want to help me or to give me a credit back of {$300.00} or refund my money back? I spokes to Synchrony Bank Customer Service. I am not going to pay the outstanding balance of {$300.00} in my XXXX XXXX, unless if you give a Credit back or refund my money back of {$300.00}? I told them to close my Account XXXX ending in XXXX. I am afraid theyre going to destroy my excellent credit history that I taking care for so long? I always pay them on time and most of the time ahead? You can verify it to Synchrony Bank? And now they dont want to helping me to refund my money back? I spokes to this Synchrony Bank, you required the merchant a receipient document with my signature on it? Proofs indeed I receive my order? The merchant cant provide that documents? Please helping me to refund my money back from this Synchrony Bank/Amazon. And please helping me to protect my Credit History in four Credit Bureau? I look forward with your prompt action regarding this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl 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 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have already deleted the e-mails regarding my request to see why my EQUIFAX credit report stopped showing the fraud alert associated with my credit data. I did contact and describe in detail what my issue was. I was contacted back with an e-mail saying the issue was resolved. In fact it is NOT RESOLVED. I have been renewing my fraud alert since the data breach was first published. I am allowed to renew some days in advance and do get the verification that a fraud alert is active on my account. Customer service also stated the fraud alert is active. I believe it has been about 30 days since I received the last email that my issue was resolved. If it is possible see if Equifax can determine why a fraud alert is not still displayed in the " Credit Summery '' of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I had just graduated college and started working making, like most college grads now adays, not enough to pay their federal and private loan payments. I called Navient to see if I could qualify for a lower monthly payment. When speaking to the lady she said based on my income, I should be able to make the payments. I explained I had medical bills, credit card bills ( debt I incurred paying for books for school ), car payment, rent, and so on, and also my federal loan, and her response was to quote, it sounds like you need to eat more peanut butter and jelly. Insane right!? So I got married last year, and student loan debt orang supposed to be transferred to your spouse right?, but when i spoke to Navient recently, they said because now Im married, my payments will now be more because it will be based on me and my husbands income. Now, tell me if Im only responsible for my loan, why are you looking at his income? I was told this is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Ditch Financial grossly underestimated escrow. Our payments per month have gone up near four hundred dollars. We were approved for the loan based on our income which has not changed. We agreed to the loan based on what we can afford. This has not happened to other properties in our area. We feel this is predatory lending.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: IL

Complaint narrative:
Equifax is reporting a XXXX account on my credit report that does not belong to me and is result of identity theft. I have attempted to dispute this account with Equifax multiple times to no avail. I went to the police station and filed a police report and completed an identity theft report which is attached to this dispute. Please make the corrections immediately as it is affecting my ability to obtain a mortgage. If this account is not removed immediately I will be left with no choice but to file a civil lawsuit pursuant to FCRA 616 and 617 for willful noncompliance and negligence. I will also name anyone who touched this dispute, accepted this letter and made the decision to decline blocking the information as a defendant for violating my consumer rights. I will sue for punitive damages as well as legal and attorney fees as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
FORD MOTOR CREDIT ACCOUNT NUMBER XXXX ; I co-signed for a 60 month auto loan that opened in XX/XX/XXXX. Ford Motor Credit is reporting the Date of First Delinquency as XX/XX/XXXX with a Paid Charge Off Date in XX/XX/XXXX. When asked how they can report a DOfD 9 years after opening and 5 years after maturity I was told that the loan had been extended 7 times and subsequently modified. I did not consent to extending the term of the contract or a modification of the original term and I was told by XXXX XXXX that I had signed and or initialed the extentions and or modifications. I insisted I had not and requested copies of the documents which arrived in the mail and were not signed or initialed by me. Now FMC will not take or return my calls. 
I never agreed to any changes to the original term of the contract. This inaccurate reporting is impacting my credit in spite of my repeated requests to update and delete their inaccurate reporting. They are violating the FCRA by arbitrarily reaging the account and leaving a 13 year old debt on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I deposited a friends pay check for {$860.00} the bank accepted the check, cashed and made funds available then froze the funds had them frozen for 2months with me calling and leaving messages and then want to reverse the check and close the account almost 3 months later

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: IL

Complaint narrative:
Experian is reporting a XXXX, XXXX XXXX and XXXX accounts on my credit report that does not belong to me and is result of identity theft. I have attempted to dispute this account with Experian multiple times to no avail. I went to the police station and filed a police report and completed an identity theft report which is attached to this dispute. Please make the corrections immediately as it is affecting my ability to obtain employment ; I was recently denied a job due to these erroneous accounts. If this account is not removed immediately I will be left with no choice but to file a civil lawsuit pursuant to FCRA 616 and 617 for willful noncompliance and negligence. I will name Experian and anyone who touched this dispute, accepted this letter and made the decision to decline blocking the information as a defendant for violating my consumer rights. I will sue for punitive damages as well as legal and attorney fees as well.

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 2018-04-20 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: TN

Complaint narrative:
I contacted Conns on XX/XX/XXXX inquiring why I had a 30 day late payment for XX/XX/XXXX and it is inaccurate. Conns is reporting to the credit bureaus that I was 30 days late paying My XX/XX/XXXX bill but that is false. I paid them XX/XX/XXXX and the bill is due on the XX/XX/XXXX of each month. and also paid again on XX/XX/XXXX so there is no way that my XX/XX/XXXX payment can be late. I have tried to resolve this issue with them but they have rejected to have this item removed from my report. I have bank statements that show they were paid on time for the month of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
sent 2 certified letter on XX/XX/XXXX In-Transit, Delayed XX/XX/XXXX at XXXX XXXX In Transit to XXXX XXXXy On its way to XXXX, FL XXXX also a certified letter XXXX was delivered on XX/XX/XXXX the letter stated any correspondence to the letter should be in writing by a form of letter. sent to XXXX XXXX XXXX card. the repeatedly phone calls continued.. 

this is the email that I received today XX/XX/XXXX It's important that we get in touch today. 

Pay your past due balance on your XXXX XXXX XXXX account online or call XXXX for assistance. 


Your account is now being handled by Synchrony Bank. Please contact a representative today at XXXX to discuss your payment options. 

Account number ending in XXXX LOG IN AND PAY i did not receive the notification by mail in a form of letter.

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 2018-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX The Unfair or Deceptive Business Practices of XXXX XXXX XXXX, to Extort or Solicate Monies in the Violations of my Civil ( XXXX ) Rights, in the needs for a Made Cause of Public Corruption, the Continuing Escalating Concerns of Personal Harms and Domestic Finance with No Recoveries of Monies or Compensations for a Living Standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
I have had this company reporting to my credit report since XX/XX/XXXX. I recently began cleaning up my credit and have asked this company twice via certified mail to validate this debt to them. I sent the first certified letter on XX/XX/XXXX, they signed for this letter on XX/XX/XXXX. I sent the second certified letter on XX/XX/XXXX, they signed for this letter on XX/XX/XXXX. To date they have not responded and they have not complied with fcra laws regarding marking the credit report disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: HI

Complaint narrative:
Ive filed a complaint before : # XXXX XXXX XXXX XXXX continues to harass me and my family by sending me notices of debt collections. This company has sued me and has tried to garnish my paychecks from my employer. Theyve had attorney offices call me and tell me I owe them money. Theyve recently sent me a letter and have increased a debt I do not owe. Its ridiculous!!!! I had to file with you the CFPB just to stop them from garnishing my pay. I believe my previous case file was even sent to the Federal Trade Commision. Ive notarized countless documents to this company and they still continue to harass

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Prosper Marketplace, Inc.
State: DC

Complaint narrative:
well. I have XXXX credit score and income sourse from XXXX XXXX and i have shown that information to this company afer was highly preaproved however XXXX XXXX compared other borrower like me and then after feeling completing all sharing all my fanaciol information with XXXX afilated of XXXX they sent me an email telling that they could not figureout my income source, after all not even also this company asked me to share my private banking information and create a hard inquiries on my credit record without and any reliable results therefore I never tried to share or compremise my banking information unless otherwise was nesecery since and was preaproved and then denied but nothing more than real discremation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was charged for a shipping label in the amount of {$19.00} in XX/XX/2018 XXXX/paypal. Every time I try to get a refund I'm told that they can't refund my card. Claiming, that they can only credit my paypal account. The purchase was not through any account. The refund procedure on their website says that the refund will be processed back to the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 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: WI

Complaint narrative:
Customer service would not take care of the negative inquiries reporting to my credit report. 
1. XXXX cus. - XXXX 2.Online info. - XXXX. 
3.XXXX credit. - XXXX Customer services was rude and also poor English.

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 2018-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX a collection account for {$500.00} was deleted from my 3 credit reports ( Equifax, XXXX and XXXX ) do to non validation after sending a debt validation letter directly to creditor with no response. After reviewing my credit reports I noticed it had been Re-inserted on all 3 Credit Bureaus On XX/XX/XXXX. 

According to the FCRA 611, If any information had been deleted from a consumers file pursuant to subparagraph ( A ) the information may not be reinserted in the file, unless the consumer reporting agency shall notify the consumer of the reinsertion in writing not later then 5 business days after the reinsertion. 

As of today XX/XX/XXXX I have not received any letter of reinsertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ATG Credit, LLC
State: IL

Complaint narrative:
I have send certified letters to ATG regarding the alleged education debt on XX/XX/XXXX, certified letters to XXXX, XXXX and XXXX XXXX regarding the debt and have not received any resolution. 
I also sent a certified letter ( on XX/XX/XXXX ) requesting evidence and verification of the debt and ATG sent incomplete verification, debts in a different amount than what they are showing as a collection on my credit report and they are trying to collect funds from a VERY OLD DEBT from XX/XX/XXXX. This alleged debt that is incorrectly showing on my credit report is from XX/XX/XXXX ( 7 years ago ) so it is a very old debt as well. 

Please help me in getting this fixed with ATG.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX a collection account for {$500.00} was deleted from my 3 credit reports ( XXXX, Transunion and XXXX ) do to non validation after sending a debt validation letter directly to creditor with no response. After reviewing my credit reports I noticed it had been Re-inserted on all 3 Credit Bureaus On XX/XX/XXXX. 

According to the FCRA 611, If any information had been deleted from a consumers file pursuant to subparagraph ( A ) the information may not be reinserted in the file, unless the consumer reporting agency shall notify the consumer of the reinsertion in writing not later then 5 business days after the reinsertion. 

As of today XX/XX/XXXX I have not received any letter of reinsertion.

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 2018-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX a collection account for {$500.00} was deleted from my 3 credit reports ( XXXX, XXXX and Experian ) do to non validation after sending a debt validation letter directly to creditor with no response. After reviewing my credit reports I noticed it had been Re-inserted on all 3 Credit Bureaus On XX/XX/XXXX. 

According to the FCRA 611, If any information had been deleted from a consumers file pursuant to subparagraph ( A ) the information may not be reinserted in the file, unless the consumer reporting agency shall notify the consumer of the reinsertion in writing not later then 5 business days after the reinsertion. 

As of today XX/XX/XXXX I have not received any letter of reinsertion.

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