vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XXXX, 2015, I called Synchrony Bank, to pay {$190.00} to my Amazon Store Card ending in XXXX, was told that a payment could not be accepted because a bankruptcy had been filed and this was being reported by the credit bureaus. I explained that I had never filed a bankruptcy and that I was the victim of a fraud. Synchrony refused to accept my explanation, refused my payment then, proceeded to report the account as charged off to the credit bureaus with the remark " bankruptcy. '' This action by Synchrony Bank is unfair and unjust and it violates FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
These lying thieving crooks at Ocwen has crosssed the line ; but on second thought, I do n't think it is Ocwen. Ocwen 's Attorney, XXXX XXXX filed provided false information of ownership to a company called XXXX, and they broke into my home ; broke my door ; ripped up my carpet ; and tried to have my utilites transferred to their name. They told XXXX that they filed foreclosure ; aka stole the home on XX/XX/XXXX ; but the attached letter from Ocwen 's Ombudsman said that they would have a written response by XX/XX/XXXX. These guys are a joke ; that is no longer funny. We filed a Police Report ; and they are filing charges of Theft By Conversion. Ocwen 's Attorneys XXXX XXXX hope that we go to Civil Court to resolve it ; but we are NOT. That ' s just billable hours in front of a clueless Judge who is part of the problem. The Punitive Damages will come later in a Federal Court ; after the criminal issue. We are working with Law Enforcement ; both local and Federal ; and at the right time will get an Investigative Reporter involved to expose all of this mess. We are also contacting our Congressman and Attorney General. As Veterans, we are tired of hearing thank you for your service ; and continously going thru this known crime. This Company, Ocwen that has been sued AGAIN for Theft Of Homes, aka Illegal Foreclosures ; and has been banned by 25 States need to be shut down ; so If they want to thank us for our Service, then hold these crooks accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
LOAN # XXXX First and foremost we only and mainly fell behind because without notification out mortgage was increased due to an error that was on Carrington part I believe. We have never paid property taxes because we are exempt from taxation being that my husband is a XXXX XXXX XXXX XXXX military veteran. Carrington said that they received a bill in which is false but sent a payment to XXXX XXXX county property appraisals office and after waiting about 3 months to correct the issue they indeed received the money back that was paid out. I did not agree with the increase and instead of paying increased payment I wrote a letter of explanation and sent in what my regular payment would 've been in to them for a couple of months. By the time the issue had been corrected and funds returned 3 1/2 months had gone by and they refused to go back and lower the payment for those month leaving my family completely overwhelmed. Now we have been trying to do a modification and are having our document declined and saying it 's not correct even after documents are coming directly from official government entity like social security department of veterans affairs and department of children and family even getting departments supervisor involved. It is my belief that Carrington Mortgage Services is trying to maliciously sabotage our loan for their own reasons like selling our home to themselves for {$1000.00} and thamks to the VA A RESCISSION was granted and we moved past it. We are in great need of help and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
The bank who has my mortgage is being unfair because they are expecting me to pay {$5300.00} of monthly payments for the next 12 months. I am a single mother with XXXX kids. I am currently on a repayment plan of {$5300.00} monthly for 12 months that started back on XX/XX/2017. Ive made four payments of {$5300.00} already totaling {$21000.00}. I simply cant afford to pay {$5300.00} knowing I am solely responsible for my XXXX young children who live with me. My ex-husband XXXX XXXX abandoned me and my children leaving us to fend for ourselves. I pay my utilities, provide food for my children, school supplies and clothe them when needed as they continue to grow. Sadly, I had to replace the Hot Water Tank, fix the Boiler, and repair the leaking sealing of back basement entrance that was causing mold. These expenses along with taking the difference from my savings to cover the short fall between my income and the {$5300.00} has depleted my savings. I can afford my normal mortgage payment with my children expenses, utilities but to pay {$5300.00} is very difficult. I was put in this position because of my Ex-Husband. I am heading back to Family Court to file a violation against him for not paying the child support. He is supposed to pay {$1200.00} per month. I work two jobs along with my mother giving me money monthly helps me a great deal. I have been with my first job 20 years and my second job 3 and years. I am a good strong independent woman who just made a bad judgement of marrying the wrong man. I comfortably afford to make my mortgage payments and still give my children food. Note I am now the Sole Owner of the Property as it was signed over by my ex-husband the deed to me and I have the deed in my hands now. The deed was sent to the bank back in XX/XX/XXXX to review me for a modificiation in which they are refusing to offer. Its like they rather me end up on the streets that to give me a chance to do the right thing here.

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 2017-08-09 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 mailed a written dispute to Equifax on XX/XX/17 to remove a XXXX XXXX XXXX account from my credit report that is not mine. To this date, I have not received a proper response to my claim and this account is still being reported to my credit. According to my report, it has an account number of # XXXX with a debt of {$8400.00}. The reason I am filing this complaint is because I have already spoken to this collection company in the past and they can not pull up any records that match my personal information. In addition, this account is only being reported by Equifax to my credit. It is not being reported by XXXX or XXXX which is another reason to believe that Equifax is reporting someone else 's account on my credit. I am attaching a screenshot of a recent report that shows this fact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have attempted to contact all three Bureaus to remove delinquent accounts from my credit report. I have shown proof that my identity was stolen ( with the attached documentation ). I requested that each company show me PROOF of how each account was validated or remove them from my credit profile. I was contacted by each company with only a copy of my credit report and no other useful information. These delinquent accounts were NOT removed and there was no evidence of a " reinvestigation '' or results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have attempted to contact all three Bureaus to remove delinquent accounts from my credit report. I have shown proof that my identity was stolen ( with the attached documentation ). I requested that each company show me PROOF of how each account was validated or remove them from my credit profile. I was contacted by each company with only a copy of my credit report and no other useful information. These delinquent accounts were NOT removed and there was no evidence of a " reinvestigation '' or results.

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 2017-08-09 00:00:00
Product: Credit card or prepaid card — Store credit 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: MN

Complaint narrative:
I have a Fleet Farm Credit Card which is held by XXXX XXXX. On XX/XX/XXXX I contacted XXXX XXXX to pay off my credit card in full. I submitted my payment with the lady on the phone and she gave me my confirmation number of XXXX. My account had the amount of {$330.00} withdrawn from it on XX/XX/XXXX. I received a letter stating that my account was past due on XX/XX/XXXX. I then contacted XXXX XXXX to ask if it was a mistake or if their system sent it out to early and XXXX informed me that our account was still delinquent and showed a balance of {$330.00}. I then gave her a our confirmation number and was put on hold for 26 minutes to only get the response that they do not know where the money went if it was truly paid and that it could take up to 10 business days to reflect on our account and to call back then. I waited longer and contacted them back on XX/XX/XXXX. I spoke with a rep and directly asked to speak with a manager and she proceeded to want the details to relay to him so I gave them to hear to have her respond with " Sorry Sir, I understand your frustration, but I ca n't help you with this '', in which I responded " Thank you for wasting more of my time, so please get someone who can handle this situation ''. I then was put on hold for 25 more minutes to get greeted by XXXX ( who would not give up his last name ). I then had to repeat everything to him and ask him why my card still showed a balance on it. He then stated that they have no proof that I paid the card off, so I gave him the confirmation number AGAIN, to which he stated that he saw that in the system, but no payment was reflected to it. I then asked him what is a confirmation number for. He laughed and stated " Proof of Payment '', to which I responded " So you have proof that we paid it '', to which he laughed again and stated that it is not in their system or if it was " Truly Paid '' they do n't know where it was applied. He then told me that I needed to send proof of payment via a bank statement. I told him that I had it pulled up and could email it to them. He then stated that they have NO EMAIL! Who has no email? I then cooperated with his request and told him that I would print it and send it to them. I sent them the statement on XX/XX/XXXX and contacted them today, and was told that they never received the statement! I then asked the female rep to speak with a Supervisor and she said I need to put you on a brief hold. I was put on hold for 49.32 minutes to then have them disconnect the phone from me. I am beyond amazed of the rudeness, un-tactfullness, disrespect-fullness and no care for customer service that this corporation has HIGHLIGHTED in this simple problem.

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 2017-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: VA

Complaint narrative:
Contacted company by phone and by letter advised the account in question does not belong to me. Stated to the rep that XXXX has moved this account on to 2 other collection agencies have sent proof account is not mines. Rep advised account would be sent to the credit bureaus have tried to obtain a home loan being stopped by this collection affects my credit score.
other collection agencies have removed after finding info provided by XXXX were bogus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I 'm sorry to keep bothering the CFPB with all my credit problems, but being XXXX XXXX XXXX XXXX XXXX and XXXX XXXX I have no choice. I call the credit bureaus and they get frustrated with my XXXX, and my writing looks like chicken scratch.everytime I look at my credit report I find more and more wrong.i found a reaged account in my old XXXX XXXX account with experian.i do n't want to wait any longer than I have to to put this ordeal behind 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 2017-08-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX-XX/XX/XXXX, {$2500.00}, this was paid in settlement in XX/XX/XXXX by me need to be removed from my credit report. Kohl's- XX/XX/XXXX, {$630.00}, this account is paid and closed need to be removed from my credit report. XXXX- XX/XX/XXXX, {$570.00} paid, closed need to be removed from my credit report. XXXX, XX/XX/XXXX, {$570.00} paid, closed need to be removed from my credit report. XXXX- {$30000.00} account is closed and paid need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
Please allow this letter to serve as notice that the statements have been getting mailed to an incorrect mailing address, I have requested this change to be made several times. They 're 2 addresses to which statements have been sent, both are incorrect and as a result I have not been receiving the statements. I use my debit card from my bank to make payments. When I do this you ask me to verify the billing address that is on file with the bank associated with that bank account. I believe this may be the cause of your mistake.The recent late payments reported to my credit file are unfair as your company has failed to place the correct mailing address I have requested several times. Please correct my address to what it has been for the last 3 years ; XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
This company is trying to collect on a illegitimate debt that XXXX XXXX XXXX claims that I owe. I always paid the dentist my co-pay and I always had insurance whenever I went to this provider. Sometimes I would have to pay many hundreds of dollars to this provider, sometimes over a thousand dollars. I always paid my dental bills in full at the time the service was rendered. This claimed debt is completely illegitimate. I believe that I informed the debt collector, CHOICE RECOVERY INC, of these facts. If this item continues to remain on my credit report, I intend to sue both CHOICE RECOVERY INC and XXXX XXXX XXXX for slander of credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a letter from wellsfargo that I had a previous account that I never opened they opened accounts in my name with out my permission.

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 2017-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On X/X/17, I tried to withdraw {$5000.00} from my checking account from the Chase XXXX XXXX branch. I provided a primary and secondary form of identification as requested. The teller asked me to wait since he needed an override. Since it was taking awhile I asked if it would be easier to take it out of my savings since both had ample funds. The gentleman ( who never identified himself ) indicated that he was trying to see the last time I took a withdrawal so he could compare signatures. Quite frankly I could not remember so I said probably 10 15 years ago. I do n't normally transact business in the branch and therefore could n't remember. He then told me I could n't withdraw the funds as I did n't answer his questions accurately. I did tell him I write maybe 1 or 2 checks per month and could he compare my signature to them. He said it was n't procedure. When I asked for clarification, he told me he could not discuss further and walked away. I tried calling the XXXX number and they suggested I go to another branch as they were unaware of branch procedures. When I asked if the same thing could happen again, the operator suggested I ask the branch manager. When I reentered the branch, I found out I had been talking to the branch manager but now he was in a meeting. I was told I would have to write a check but I said that was not good as I needed funds availability today and not 2 days from now. I can understand if I did not have funds or did not have identification but I did. If they had asked I could have provided more. Now I am inconvenienced as I do not have ready access to my money even though the funds have been on deposit well past availability time frames.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have enrolled START Smart savings Program ( with US Bank ) in saving Act # XXXX I reached my goal, but did not receive reward as in the ads. They say because I had receive gift card 2 or 3 years ago but their ads of my rewards is Account Credit, so they are different programs, and every month I receive statement, there was print out that says I will receive reward just continue save, during the course of last year saving I have from time to time ask the US Bank over the phone whether I can get the reward the answer was always Yes.
No one from the bank, has told me that I did not eligible for it.
I have attached the copy of the Ads and copy of my last statement

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
My Best Buy Account was opened XX/XX/XXXX. I received the first paper statement, and attempted to create an online account to view my balance and make my payments. XX/XX/XXXX - I had problems creating the account online. I chatted with Online Support who told me to open a different browser. I then called Customer Service who said the same thing. After going through a very convoluted process, the account was setup. XX/XX/XXXX - I was not able to login to my account again AND their website kept taking me in circles between two screens. I called Customer Service, spoke with XXXX, and make my payment through them. They were not able to help me login to their credit card site. I asked XXXX to enable paper statements so that I would know my balance and payment information. XX/XX/XXXX - I received a payment reminder with my balance and minimum amount due. No paper statement was received as requested. My attempt to login to the site was unsuccessful, I did not have time to call Customer Service again. XX/XX/XXXX - I am within 4 days of my payment date and tried to login to the site to make my payment. Login failed, I received a message to call Customer Service. I called Customer Service, after going through their very long automated system, I was connected to XXXX who listened to my complaint and put me back into the automated phone system. I then spoke with XXXX who had me change my password, but I could still not login to the site. When I asked her what to do next, she said wait 1 - 2 hours. she told me I was luck to have gotten to the point where I could change my password. others were not so lucky. I still can not login, I have not yet made my payment. Total time on the phone 20 minutes, 8 seconds without a resolution.

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