vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synter Resource Group, LLC.
State: NC

Complaint narrative:
The company calls everyday, I have returned the call several times only to get a voicemail. They say they are collecting for a bill that is owed by XXXX, but all our accounts are in good standing according to XXXX. 

They say to call XXXX x. XXXX  Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK
State: CA

Complaint narrative:
I mailed a letter to Discover with my discover card and told them that I would be unable to pay any debt for my card or loan for at least three months and to cease attempting to contact me in any form except one phone call they may make in order to tell me they are filing a lawsuit and where I can go to get the summons. Since then I have been contacted at a minimum twice a day while I am at work totally ignoring my cease and desist letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
I have a car loan agreement for with Ally Car Finance Company for 72 months on my car that I purchase in XX/XX/XXXX. My first car payment started in XX/XX/XXXX. According to the agreement I was supposed to be through paying for my vehicle XX/XX/XXXX. Ally sent me a notice stating that since I change my car payment date and got an extension on a car payment in XXXX and XXXX they added 6 more months onto my car payments which took the agreement from  72 months to 72 months and 6 months. I talk to several different agents with Ally to see how paying almost {$2600.00} more was possible just because of these extension and payment changes we have disputed this and have gotten nowhere.

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 2019-08-16 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
Curo management llc hit my credit and I recognize that company!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I have had a credit card with Macy 's since XXXX. I have always paid my bill in full every month. For some unexplained reason, Macy 's reports I was 30 days late XXXX of XXXX. I have NEVER been late and I am furious with Macy 's. I am asking for this to be corrected and removed from my credit report.

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 2019-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Texas Guaranteed
State: NM

Complaint narrative:
Trellis Company  is the problem;1. They claim I had student loans when I wasn't in school.2. They claim that I was somehow able to borrow more each year than the legal limit.3. I am a XXXX in a district that is considered a low income school district and somehow I am unable to receive debt forgiveness. I have never been given a reason why I do not qualify.4. Trellis  garnished my wages without my knowledge. The letter they sent to me was dated XX/XX/2019 but they garnished wages in XX/XX/2019.5. The federal promissory note that Trellis  has;   a. Is Not signed by me (It has someone else's signature)   b. an address that belongs to my mother, an attorney, in Texas that was dealing with Trellis  last year.  c. missing information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: IL

Complaint narrative:
Equifax ; XXXX  and XXXX are reporting incorrectly a ( XXXX0 ) day late on the XXXX XXXX XXXX account number XXXX. ( Please see page 2 of my credit report attached. ) I normally receive a paper statement each month on this account delivered by US mail. I never received a statement. When I realized I never received this bill, I immediately paid it. The payment was made on time, however  XXXX XXXX XXXX did not apply this payment in a timely manner. They have now zinged me with a late payment. This incorrect reporting is harming my credit score and this late needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello my name is XXXX XXXX I have been disputing these accounts since XX/XX/2018 and yet to have any luck but enough is enough XXXX Bank XXXX is reporting completely incorrect and inaccurate, the high balances are reporting differently for example on XXXX  is reporting at XXXX $ and XXXX $ on the rest of the agencies, the amount past due is reporting different on all 3 agencies as I will have screenshot provided to show. In Equifax and XXXX there is nothing negative in the payment history reporting, in XXXX  why do you have no remarks or past due but reporting as charge off status in payment history? 
Also the past due dates on all three agencies are way off so as you can see they are reporting this account completely incorrectly and something has to be done asap! 
correctly. As a consumer I am aware that under the Fair Credit Reporting Act any information that is incorrect, inaccurate and unverifiable is sufficient for removal. This should not be reported negatively. The documents provided will represent as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: IL

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly a ( 30 ) day late on the XXXX XXXX XXXX account number XXXX. ( Please see page 2 of my credit report attached. ) I normally receive a paper statement each month on this account delivered by US mail. I never received a statement. When I realized I never received this bill, I immediately paid it. The payment was made on time, however XXXX XXXX XXXX did not apply this payment in a timely manner. They have now zinged me with a late payment. This incorrect reporting is harming my credit score and this late needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2019-08-16 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: IL

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly a ( 30 ) day late on the XXXX XXXX XXXX account number XXXX. ( Please see page 2 of my credit report attached. ) I normally receive a paper statement each month on this account delivered by US mail. I never received a statement. When I realized I never received this bill, I immediately paid it. The payment was made on time, however XXXX XXXX XXXX did not apply this payment in a timely manner. They have now zinged me with a late payment. This incorrect reporting is harming my credit score and this late needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2019-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank issues credit cards on behalf of XXXX  XXXX. This credit card includes a feature that as advertised if you earn XXXX points you will be enrolled in their upgraded loyalty program called " XXXX '' they advertise often on their webpage " Once a card member, reach XXXX status by earning XXXX points in a calendar year '' which includes varies upgraded features and benefits. I earned the points required to make this transaction occur in fact their own webpage states that my account should be XXXX, please see the attached documentation. However the Bank representatives tell me that my account is not eligible for the upgrade status until I spend {$5000.00} in a calendar year outside of Gap brands. I've included the disclosure provided by the bank in their advertisement and there is no language that states that. The program states I must earn XXXX points and they can not be bonus points. I have met that requirement and they will not honor their program.

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 2019-08-16 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: IL

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly a ( 30 ) day late on the XXXX XXXX partial account number XXXX. ( Please see page 4 of my credit report attached. ) I normally receive a paper statement each month on this account delivered by US mail. I never received a statement. When I realized I never received this bill, I immediately paid it. The payment was made on time, however XXXX XXXX did not apply this payment in a timely manner. They have now zinged me with a late payment. This incorrect reporting is harming my credit score and this late needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DYNAMIC RECOVERY SERVICES, INC.
State: FL

Complaint narrative:
I have asked about the validity of this claim several times with all three credit reporting agencies. No one can validate it but refuse to remove it. From what I understand, it is from a XXXX utility company. No one can furnish me with any other information. This is not my bill. I want this removed from all three credit reporting agencies. Thank you for your assistance!

Company response to consumer: Untimely response
Consumer complaint received 2019-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
0n XX/XX/XXXX, I purchased a money gram money order for {$390.00} made payable to the US TREASURY my income taxes. I mailed the payment with a letter to the IRS IN XXXX CA. The money order was cashed on XXXX during the government shutdown. I had to send a anther XXXX to the government. I contacted MONEY GRAM 8 times finally on XXXX requested a form for a copy of the cashed money order. Received that on XX/XX/XXXX, phoned that day and requested fraud complaint and they mailed another report. Received that report on XXXX. Mailed that report in and I have phoned this number XXXX times to no avail ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
A modification package was sent to Ocwen on XX/XX/2019. On XX/XX/2019 a representative for Ocwen, XXXX ID XXXX confirmed a complete package and we were told 30 day review for decision. On XX/XX/2019 the loan was transferred to PHH and the entire package was sent to PHH via fax. XX/XX/2019 a representative for PHH, XXXX ID XXXX confirmed a full modification package and we were told we were back in underwriting review. Subsequent follow up calls on XX/XX/2019, XX/XX/2019 and XX/XX/2019 we were told that the file was in underwriting review. XX/XX/2019 a representative for PHH, XXXX ID XXXX, advised that a letter was coming asking for an additional 30 days to review. Per XXXX the investor requested the additional review time. XX/XX/2019 status update call also confirmed we were in underwriting.On XXXX XXXX a status call had PHH requesting updated 30 days of paystubs, no supervisor was available and I did not receive a call back. XXXX XXXX the paystubs were submitted.Calls on XX/XX/XXXX and XX/XX/XXXX we  were told that the paystubs were illegible and there was another bank specific form requested, submitted XX/XX/2019. On XX/XX/2019 a supervisor was available, ID XXXX, and we were told we would be back to underwriting the following week. On XX/XX/2019 I spoke to supervisor, XXXX ID XXXX and was told that XXXX XXXX denied the modification, when asked why they kept collecting document, no one knew.XX/XX/2019 a research request was opened to see what was going on. The research request was never received. Documents continued to be collected until we were told we were back in underwriting as of XX/XX/2019 and looking for investor approval. As of today, XX/XX/2019 PHH is still requesting documents. We would like an explanation for the length of time this file has been in loss mitigation and the decisions made by PHH and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: BB&T CORPORATION
State: FL

Complaint narrative:
XXXX I opened a loan account with Sheffield financial while on XXXX XXXX for the military. Around XXXX I was removed from my home due to a divorce issue and was allowed back into my house on or around XXXX during this time I didn't have access to any of my personal belongings and was not allowed within 100ft of my home after returning home I quickly called Sheffield financial to fix my account status with them on XXXX. A promise and an agreement were made over the phone that my account would return back to normal after I made a large payment to the company with a total of {$720.00}. With this agreement being made I paid in full the amount of {$720.00}. After continually receiving monthly statements in the mail over the course of several years and after quite a large number of life changes I check my credit score and found out the company never fixed my account and continued to send me monthly statements in the mail. I have contacted the company on a lot of occasions trying to find answers after being lead on a while goose chase for quite a long time I was automatically forward to the collections department. The last to individuals I had contact was a woman named XXXX, XXXX which then finally forward me to a supervisor after several emails back and forth. The supervisor named XXXX, XXXX didn't even look into the matter he just downright denied any actions or promises made by the company or individuals i then had to beg the gentleman for a copy of my payment history. After contacting several lawyers within my area they said that it would be in the best interest of my case in order to try and resolve this matter privately first. I would like to resolve this with the company before i proceed with any other further actions. I would just like the company to switch my credit back to regular account status as promised and the correct monthly payment history corrected on my credit report.

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 2019-08-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Swe Homes LP
State: TX

Complaint narrative:
I am extremely concerned about the method in which SWE Homes, LP is handling my request for permission to be late on my XX/XX/2019 payment and my XX/XX/2019 payment. 

I have made partial payments totaling to my XX/XX/2019 payment plus the late fees and fines which equaled {$450.00} according to SWE Homes, LP. My total payments which were paid within the month of XX/XX/2019 = {$470.00}. I requested time to pay the XX/XX/2019 payment, and even had funds remaining to go toward my XXXX bill. 

SWE Homes, LP sent ( 3 ) payments back with a letter threatening payment in full of the XXXX and XXXX bill or a foreclosure. SWE Homes, LP never replied to my communication as to why or what. They just sent letters saying pay this, as if they have not recieved payments from me. 

I mailed to them a letter as to how I made these payments and even instructed them to use funds from monthly over-payments made to SWE Homes, LP from my account to go to my late payments. But everyday, they send back the installment/ partial payments that I made. Not telling me anything was wrong or what, they just send the foreclosure notices and money order payments back. 

I think something fishy is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: IL

Complaint narrative:
XXXX ; XXXX  and Transunion are reporting incorrectly a ( 30 ) day late on the XXXX XXXX partial account number XXXX. ( Please see page 4 of my credit report attached. ) I normally receive a paper statement each month on this account delivered by US mail. I never received a statement. When I realized I never received this bill, I immediately paid it. The payment was made on time, however XXXX XXXX did not apply this payment in a timely manner. They have now zinged me with a late payment. This incorrect reporting is harming my credit score and this late needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2019-08-16 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: IL

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly a ( 30 ) day late on the XXXX XXXX partial account number XXXX. ( Please see page 4 of my credit report attached. ) I normally receive a paper statement each month on this account delivered by US mail. I never received a statement. When I realized I never received this bill, I immediately paid it. The payment was made on time, however XXXX XXXX did not apply this payment in a timely manner. They have now zinged me with a late payment. This incorrect reporting is harming my credit score and this late needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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