vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MD

Complaint narrative:
After I received the loan there were additional fees add on as well as it feels like the interest rate increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I disputed a incorrect item on my credit report with Equifax, XXXX and XXXX and EQUIFAX now has blocked me from seeing my credit report. And has failed to respond to no less than SIX letters regarding my disputes. Now I ca n't even see my Equifax report NOR can I see if they deleted the incorrect item on my report. Why is Equifax that only bureaus that XXXX with consumers credit reports when they dispute an item by blocking them from seeing their reports and THEN adding insult to injury not responding to any further letters??????? INVESTIGATE THEM!!!!! This is outrageous!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I received notification ( a letter and bank statement through the US Postal Service ) from Bank of America about a new Core Checking account that was opened for me. I did not open the account. I only have a credit card, which I have had for many years, with Bank of America. 

I called on XX/XX/XXXX to inquire about the account and to close it. I was told by a customer service representative that the account was opened online on XX/XX/XXXX. The representative transferred me to the Check Fraud Unit and I filed a claim and requested information on how the account was opened without my permission. I was told an investigation would take place and someone would get back to me. I did not hear back from the bank and the account remained open with a XXXX balance. On XX/XX/XXXX at XXXX XXXX, I called again and spoke with XXXX from Customer Service. She reviewed the notes on the account and said the fraud department was working on my claim. I called again on XX/XX/XXXX at XXXX XXXX and spoke with XXXX. She reviewed the notes on the account and informed me that a claim was open and assigned to an analyst. She took additional information from me and said she would ask the fraud department to respond with an update ( the fraud department was closed at the time of our conversation ). XXXX also advised me to file a police report, stated she would place a freeze on the account and informed me that I would not be liable for any account activity. She advised me not to close the account because it would limit the fraud analysts ability to research how the account was opened. 

As of today, I have not heard back from Bank of America and the account remains open. I would like to know who open the account, how it was opened without my permission and, lastly I want the account closed. I believe Bank of America has had ample time to conduct an investigation and owes me an explanation. 

Thank you in advance for your assistance with this matter.

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 2018-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been trying to dispute transactions I made over product that was not received and/or not as described. I went to Chase to dispute these transactions, but they keep telling me I need to prove that I have not received the product. I am perplexed as to how they expect me to prove this and even more so as to why they have not so much as tried going to the company that has n't sent me my product and asked them for tracking numbers, which the company has refused to provide me. I have been with Chase and never have they done such an outlandish thing. I paid for product that has not been sent out for months now, how is there a question about my charge back? And also, why is my dispute circling around Chase and not being brought to the company of which I am disputing charges?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I opened the account with Coinbase.com in XX/XX/XXXX. I wire transfered money to that account in order to purchase Bitcoin. I stored purchased Bitcoin in digital wallet based on their website, Coinbase.com. I forgot my password and tried to reset it, they asked to do it from the same device I used to open the account, but I do not have that device which was my old laptop. Now I spoke with Coinbase on the phone 3 times since I initially contacted them to reset the password, which was in begining of XX/XX/XXXX. They informed me that my request will be handled by specialist and they will send me an email with link to reset the password. It 's been over month and a half and I called again only to hear the same thing. I wanted to invest money into bitcoins and lost good opportunities since that time, now I am afraid they just wo n't ever answer. Please let me know if you can help me to gain access to my account, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX was sold an account from XXXX XXXX and has been reporting Account number XXXX with a amount due of {$3400.00} on my credit report. In XX/XX/XXXX and XX/XX/XXXX, I sent XXXX XXXX numerous debt validation letters via certified mail and they have not followed the FDCPA and provide me with the following : Validation of Debt Request, Proof of you right to/collect this alleged debt, balance claimed including all fees, interest and penalties, contract being my personal signature, license proof to collect debts in my state. I sent all three credit bureaus a copy of the debt validation letters I sent to XXXX XXXX and they removed them from my credit report, however, within days XXXX XXXX was added back to my credit report. On XX/XX/XXXX, XXXX XXXX XXXX XXXX sent me a letter, on behalf of XXXX XXXX, trying to collect the debt of {$3400.00}. In the letter it states " because of the of the age of your debt, XXXX XXXX will not sue you for it. '' I sent debt validation letters via certified mail to XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. However, they have not followed the FDCPA and provide me with the aforementioned documentation. I sent all three credit bureaus a copy of the debt validation letters I sent to XXXX XXXX XXXX XXXX and they removed XXXX Funding from my credit report, however, within days XXXX XXXX was added back to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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: TX

Complaint narrative:
Starting XX/XX/XXXX, I have been in contact with Equifax regarding a series of fraudulent accounts being opened, or attempted to be opened, in my name. Five of the fraudulent accounts were opened under XXXX XXXX through a series of in-store credit lines such as XXXX or XXXX XXXX. The sixth was from XXXX. 

I requested the removal of one of the accounts and it was deleted on XX/XX/XXXX. The dispute was filed on XX/XX/XXXX. I also requested the removal of another fraudulent account on XX/XX/XXXX. This item was not removed, despite my notification to Equifax that I have not opened any new credit accounts in the past two years. I had also requested a security freeze and fraud alert to be placed on my account, though these were apparently ineffective in stopping further credit accounts from being opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I contacted Synchrony Financial to inquire about application of payments to promotional offers with different expiration dates. My contact correspondence is below:

--- Original Message ---
From: "XXXX XXXX XXXX" 
Received: XX/XX/17 XXXX XXXX MST
To: XXXX
Subject: Other Inquiries

I have two balances with different expiration dates. One expires in twelve months. The other expires in six months. How will my payments be applied to the two different balances with different expiration dates? Thank you.

--- End of Original Message ---

Synchrony Finanacial responded with:

Thank you for your recent inquiry regarding your Synchrony Bank account, and the opportunity to be of service to you.
If you would like the specifics how your payment is allocated or for additional information regarding multiple plans and/or promotions, please call customer service at XXXX.

--- End of Response ---

When I called the number I found it was unavailable during the times available to me.

I responded using the Synchrony Financial website mail form indicating I was requesting the Comptroller of Currency investigate why Synchrony Financial does not provide information on its web site describing how payments are applied to promotional balances due with different expiration dates.

The Office of the Comptroller of the Currency responded advising me to contact the Consumer Financial Protection Bureau.

Since my initial complaint to Synchrony Financial, I received in the mail a written response from Synchrony Financial stating "We will apply the required totalminimum payment to balances on your account using any method we choose."

This payment application strategy allows Synchrony Financial to apply all payments to balances with a greater expiration date while balances with earlier expiration dates go into default thus incurring non-payment penalties and a significantly higher interest rate.

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 2018-01-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
Hunter Warfield provided '' proof '' that was falsified. I never signed that last page and it 's clearly copied and pasted the signature from a previous page.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: LendKey Technologies, Inc.
State: CA

Complaint narrative:
On a few different occasions my direct pymt for my loan had insufficient funds due to the timing of my deposits which I have since fixed. My complaint is that on the first of the month, Lendkey auto deducts from my acct. When there is insufficient funds, they say they will make a second attempt. The funds have been immediately available once I have received a notice of insufficient funds. However, their second attempt is not made until it is past the due date and they then charge me a late fee. I am struggling enough to make ends meet and I find this practice immoral and not sure if it is even legal. If I do a manual one time pymt, they end up going into my account for the second attempt ( which is always at the time where they can then charge a late fee ) and take the money anyway and XXXX up my account even further.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
I opened an XXXX account and a bank that I am not famaliar with is listed on my account. I contacted the BBB and this bank is not accredited. I have a block on my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The J. G. Wentworth Company
State: FL

Complaint narrative:
This is a response to what is happening with my previous complaints about JG Wentworth. 
On XX/XX/XXXX after XXXX hr XXXX min on hold we finally got a JG Wentworth representative. We were told our Cap and Extend was denied and were pressured to do a regular loan modification. We told her we were in a Federal Disaster Area and were eligible for the Cap and Trade that they told us they would process in XXXX We asked for a manager. We were transferred to employee # XXXX and she also told us we were denied for the Cap and Extend, but eligible for a reg. mod. We told her no We were eligible for a cap and extend and were in a Federal Disaster Area. She told me that she had to tell us that. She then looked into my file and said that '' the system does not actually show a denial '' and called it XXXX XXXX going on here. Then, I also told her that there was a charge for an inspection on my bill, which XXXX XXXX was supposed to pay. She agreed and said it was not supposed to be there. She said she would take care of it. She took my regular payment for the month of XXXX ( confirmation # XXXX ) and that she was putting in our request for Cap and Extend again as a priority. A person from the refinance dept. was supposed to call me back in the next 24 hours. NO ONE HAS CONTACTED ME. They have sent me several online correspondence since XX/XX/XXXX that they are foreclosing on me, even though I made my XXXX payment like I was supposed to for the Cap and Extend. They are attempting to illegally steal my house and get my {$150000.00} in equity. This is overt FRAUD and misleading tactics. They are taking advantage of hundreds of thousands of people affected by natural disasters in FL, TX and CA by telling them they were denied for Cap and Extend even though they really did n't process it. In a regular loan modification, they can raise our interest rate and this is negatively affecting my credit score which was really high. They are not answering their calls or emails. The Federal Government needs to fine and prosecute XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX was sold an account from XXXX XXXX and has been reporting Account number XXXX with a amount due of {$3400.00} on my credit report. In XX/XX/XXXX and XX/XX/XXXX, I sent XXXX XXXX numerous debt validation letters via certified mail and they have not followed the FDCPA and provide me with the following : Validation of Debt Request, Proof of you right to/collect this alleged debt, balance claimed including all fees, interest and penalties, contract being my personal signature, license proof to collect debts in my state. I sent all three credit bureaus a copy of the debt validation letters I sent to XXXX XXXX and they removed them from my credit report, however, within days XXXX XXXX was added back to my credit report. On XX/XX/XXXX, XXXX XXXX XXXX XXXX sent me a letter, on behalf of XXXX XXXX, trying to collect the debt of {$3400.00}. In the letter it states " because of the of the age of your debt, XXXX XXXX will not sue you for it. '' I sent debt validation letters via certified mail to XXXX XXXX XXXX XXXX on XXXX, XXXX, XXXX and XX/XX/XXXX. However, they have not followed the FDCPA and provide me with the aforementioned documentation. I sent all three credit bureaus a copy of the debt validation letters I sent to XXXX XXXX XXXX XXXX and they removed XXXX XXXX from my credit report, however, within days XXXX XXXX   was added back to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I had my identity stolen by someone I knew back in XX/XX/XXXX and several accounts were opened with my social but a slight change in my name. I had to go to the police station back then and fill out an affidavit to report the fraud. It is now XX/XX/XXXX, XXXX and XXXX has my correct name, address and date of birth, but for some reason Transunion still has the name the person used in XX/XX/XXXX, along with their address and date of birth they used even though this information does not match my social. I 've also noticed that my Transunion score is around 30 points lower than the other 2 bureaus. Transunion also has my former employer 's information listed, and collection notices were sent to the corporate office of that employer with out my consent.

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 2018-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Spoke to XXXX rep in XXXX - regarding my account and asked her to give me a better explanation regarding my account and the int rate that was getting for XXXX per month and asked her very kindly to remove or adjust it but she refused and told me that stay there and say : we do n't adjust rates ", I made my very best to communicate nicely with representatives from Citi but they just told not to help anyone. 


Fair lending act say : consumer have the right to ask CC companies for a breakdown of payments and better explanation of int rates on which i 'm not very knowledgeable about it and i fell i was set up on a predatory interest rate credit card. 


FYI - Citi has not responded and chose to ignored my previous request

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 2018-01-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
Received letterXX/XX/XXXX/18 indicating a debt on a XXXX account. Does not indicate XXXX account information, SSN, or any other details to validate the debt. I checked my XXXX account, and there is no problem as it is linked to my bank account. 

XXXX XXXX XXXX XXXX . 
Creditor : XXXX, 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 explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have desperately tried to get help with this account but this company they are continuing to report information on my credit wrong I have circled the XXXX XXXX XXXX XXXX Account # XXXX high balance missing, This listing is incomplete, please delete the entire item. 
I am writing to dispute the following account : XXXX/XXXX Account # XXXX. This listing is missing the hgh balance. Please delete the item. 
I am also disputing the following account : XXXX/XXXX Account # XXXX. This listing is missing the hgh balance. Please delete the item. 
You are reporting a late pay on the following account : XXXX/XXXX Account # XXXX this acount is reporting 120 days late for 6 months in a row this is mathematically impossible, You are reporting a late pay on the following account : XXXX/XXXX Account # XXXX this acount is reporting 120 days late for 6 months in a row this is mathematically impossible, I have circled the high balance missing in XXXX/XXXX XXXX XXXX Account # XXXX, This listing is incomplete, please delete the entire item.

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 2018-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NH

Complaint narrative:
Pennymac Loan services has been charging my loan account " home inspection fee '' since 2015. In XX/XX/XXXX, Pennymac hired XXXX to go to my property and change locks on my residence. As a result, I was unable to enter my residence. I have been living outside my residence since.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX a certified letters was sent to XXXX XXXX XXXX XXXX for accounts XXXX in the amount of {$570.00}. Attempts to acquire proper validation for this debt has not been met.

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 2018-01-20 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: Ditech Financial LLC
State: WI

Complaint narrative:
Ditech Financial LLC is still showing my XXXX mortgage loan as a charge off on the credit bureau. This account was started with XXXX XXXX XXXX and was transferred over to Ditech Financial LLC. Ditech is showing this was last reported in XXXX, however this account was paid in full in XXXX when my house was sold. There was a full payoff at that time and nothing was charged off. 
Ditech has been near impossible to contact and get any information from. There are well over XXXX attempts at resolving this with them with no contact back. When I did talk to someone, they just keep transferring you elsewhere ... horrible customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation