vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
My husband and I applied for modification. We went thru the process several times because our note was sold before we got a result. We then had to start over and over. Finally, I was told that we qualified. I explained my husband had XXXX and was told I had to start over for the modification. I reached out to Fay Servicing and someone told me that if I wanted to I could hire a Realtor and do a Fast ( Quick ) Sale and it would not effect my credit. I did as I was told and Fay Servicing sold my house in XX/XX/2016 without notifying me or my Realtor. I have no idea what they sold it for but they say I pd. 100 % of my Loan. Now that I am trying to start my life over without my husband ; I find out that I have a Foreclosure. Why? I hired a Realtor as instructed. Can someone please explain this to me. After my Husband XXXX  I had a XXXX. Although I was not 100 % well, I do remember hiring a Realtor. 

Modification Reasons : 1. My Husband had 2 XXXX   XXXX and one XXXX XXXX within 2 months 2. He had his third XXXX XXXX and 2 XXXX within a month 3. He had Multiple XXXX ( XXXX ) for 4 years. 
4.I have had XXXX most of my life 5. I suffered from clinical XXXX : especially after my husband XXXX. 
XXXX. I had a XXXX. 

I can prove all of this with our medical records if you need them. 

It took along time for me to be able to function. This is the reason I had never asked before.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX treadmill from the online XXXX and XXXX XXXX Exchange store and it was shipped off and delivered broken XX/XX/XXXX. Icon customer service sold me an assembly in my room of choice with XXXX XXXX in XXXX XXXX XXXX, Arkansas to come out to my duplex in XXXX, Arkansas XX/XX/XXXX. XXXX could not complete the job or come back because the treadmill was broken. Icon in Utah kept sending me the treadmill piece by piece. Finally, XXXX refunded me the treadmill, the treadmill mat, and the treadmill maintenance kit a week after XXXX  and XXXX XXXX in XXXX XXXX came back out to my duplex at no cost to me to pick up the broken XXXX after I used my own boxes and blankets to attempt to pack up the pieces. I attached a file of all the dockets. I spoke to a XXXX XX/XX/XXXX and XX/XX/XXXX to close the contract.

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 2018-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX I got a loan for the equity of my home with Citibank. They asked me to have a Flood insurance policy and I got it with XXXX insurance. On XX/XX/XXXX I made the full payment to Citibank, and I asked them to close the account, an according to the contract if I do not owe anything they shouldn't charge me anything, but I kept receiving letters from them regarding to pay the Flood Insurance. 
You should know that my home is not in Flood area since XX/XX/XXXX and I do not owe anything to Citibank since XX/XX/XXXX.I kept receiving letters I called them and they did not help me on anything.they kept transferring me to different people, departments and at the end they should hang up on me. 
I went to talk to the manager of the bank in XXXX where i got the loan " XXXX XXXX '' and she called and talk to different people and finally she cant do anything. I went to the insurance company and the representative XXXX XXXX called the Citibank and talked to a lady her name is XXXX and she told her i had to pay {$410.00} as an overlap I do not know why, I always had coverage, and I always paid everything on time, even though I paid the amount waiting do not receive more letters. They required me to close the account the following : a money order for {$64.00} letter of authorization to close the account again, I did everything and they never close the account. 
I had been receiving bills and letters, now they want to charge {$1700.00}. They continue purchase Insurance for me for a loan that I do not have. 
I called again and they kept me on the line transferring me with different people. I am completely frustrate, I do not know what can I do. nobody seems to understand why they have not closed my account but nobody helps me either.

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 2018-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian is missing my Department of Education Student Loan account which was opened on XX/XX/XXXX through XX/XX/XXXX. This information needs to be added to my credit file as it's positive credit history that I never deleted from my credit file and it's on the other two credit reporting bureau 's credit history.

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 2018-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
This complaint is in connection with complaint # XXXX. I have since received paperwork from Ocwen and XXXX Bank that they are trying to foreclose on my house at XXXX XXXX XXXX XXXX XXXX In. The last time I had spoken with XXXX XXXX in Ocwen 's Ombudsman Office, she had said that she was going to check with her superiors to find out what could be done about the {$1300.00} they were saying that I had to come up with before they would start a NEW modification on my mortgage. I was never told or warned about any foreclosure until I got home from work XX/XX/XXXX and found the paperwork! There is also an open case against Ocwen since XX/XX/XXXXof XX/XX/XXXX that I would like to be a part of. Once my case is looked into further, you will find that I qualify and could help the case. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Riverwalk Financial Corporation
State: MD

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX reported fraudulent information to XXXX, XXXX, and XXXX   credit bureaus regarding an account they claimed to have purchased from XXXX XXXX. XXXX XXXX and XXXX XXXX XXXX committed fraudulent acts and deceptive trade practices against me by 1. selling the closed account to XXXX XXXX XXXX , after the account was discharged through bankruptcy in XX/XX/XXXX ) 2. XXXX XXXX XXXX   reported the account as being opened in XX/XX/XXXX, which is also false. The mentioned account was closed and discharged in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN ADVISORS GROUP
State: FL

Complaint narrative:
I had 4 hard credit inquires in 4 months for the same refinance Some of these we less than 30 days apart for only 1 refinance XXXX. The company is XXXX XXXX   FOR ONLY 1 REFINANCE!! XXXX XXXX  XXXX, MD XXXX ( XXXX ) XXXX 1 max for 1 loan is OK but I didn't agree to any. I wand these excessive remove from my credit reports..it 's killing my XXXX SCORE!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I was attempting to buy concert tickets via my bank Chase and a transfer service XXXX. I was purchasing 2 tickets at XXXX $ each for a total of XXXX XXXX I did the initial transfer and then was told by the scammer that he accidentally declined it. I requested to see confirmation but he said it was a " pop up '' and he didn't have it. 

Reluctantly I sent another XXXX XXXX he stopped responding, and I have since tried to get any sort of identifying information from both chase and XXXX. Both have said there is nothing they can do for me. They initiated a claim and said they could send out a letter. 

There is identifying information about this individual that they have available to them but refuse to provide to me based on company policy in turn protecting the thief who stole from me when, within their power, they have the ability to find out what bank account this was transferred to and then the name associated with that account. In other words they can find out who stole from me but are withholding this information as well as declining to reimburse me for the money that was stolen. 

Chase Claim Number : XXXX This person who stole from me has identified themselves as " XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: FL

Complaint narrative:
XXXX dollars for a XXXX dollar loan 780 percent interest

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Hi I have been paying my walmart credit card for the last 7 months. I have been paying it on time never late and the minimum balance or over. I recently was able to pay it in full and thats what I did. I went to check to make sure everything was ok but noticed my balance was low by like {$500.00} so I called them. They informed me they did a random evaluation on me the day after beening paid out and made this choice. But all of this only happened after they were paid out they then told me when my credit up dates then I can ask about a credit increase to my original limit. Oh and when i had to change my address the first time before I received the card they closed the account then opened another one under my name which is the one that is active now. They also tacked on a {$10.00} interest charge to it with know real reason I have never had one in the 7 months of having them. This is a first this has ever happened and it makes no sense my mother has had them for 2 years and has reached her limit multiple times and she has had no decrease to her credit line. But then again she has never paid them in full either.

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 2018-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I had a revolving debt with Capital One that was in their collections unit. I was told if I paid the debt it would be deleted off the bureau 's. I recently paid the debt and was told that they now can't do it and it will stay on my credit report for the next 7-10 years. I was recently denied for a business loan because of this situation. I feel I was lied to about the whole situation and that's disingenuous to tell a consumer it'll be handled and nothing is taking of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
A fraudulent retail card was opened up on my behalf over a month ago with XXXX jeweler without my consent. The bank that issues this card is XXXX I have never made this transaction nor do i recognize this activity on my credit report. I do not know the exact day it was open but i know it was some time during the end of XX/XX/XXXX. This account has caused my scores to decreased rapidly due to high credit utilization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
On or about XX/XX/2018, I XXXX XXXX received a letter from Diversified Consultants , Inc. a debt collector ; It was my understanding that the debt would be deleted from the three ( 3 ) credit companies. Based upon the correspondence with Diversified Consultants the out come was what had not been agreed to ; I were under an understanding that the debt would be deleted ; however, after releasing the funds, I was further told to check my email for a correspondence letter. Please see : Creditor : XXXX Agency Reference Number : XXXX ; Account Number : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Money sent to : Sent to XXXX XXXXXXXX EUR {$24.00} FeeXXXX EUR {$4.00} TotalXXXX EUR {$29.00} No product delivered. Would like full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
After opening an account with Capital One to help build my credit. My account number ( not card ) was compromised and charges were ran up on my account. A nice rep assisted me in helping to remove the inaccurately reporting XX/XX/2017 60 day late payment to a current status. However this update still hasn't became effective on my credit reports. This 60 day late payments is costing me terribly. I have been dealing with this well over a year. I would like to believe that the domino effect created with identity theft will not be tolerated at CapitalOne and all opitions to help EVERYONE not just those effected on a grand scale but also small scales can get justice also.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Hi, i recently start to notice unusual activity on my account for example i have ( XXXX  credit account ) which is still open however in equifax report it said its closed!!!, also i found some disputes & remarks have been added lately which i never did, also it said that ( XXXX credit ) increased by XXXX $ which is not true because it didn't increase and i didn't use it for months, someone is using my equifax credit, kindly investigate it Regards XXXX XXXX XXXX Or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC
State: WA

Complaint narrative:
Last fall, XX/XX/XXXX, I was contacted by Cedar Financial agency about a debt for the office of XXXX XXXX XXXX  for {$800.00}. This was for a debt incurred circa XX/XX/XXXX-XX/XX/XXXX. My bankruptcy was discharged in XX/XX/XXXX. But XXXX XXXX 's office located at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, XXXX claimed the debt was from XX/XX/XXXX ... they created an " new '' invoice for the old debt from XX/XX/XXXX/XX/XX/XXXX dated XX/XX/XXXX. I have not been to his office since XX/XX/XXXX. 

Per their invoice, this is for XXXX storage annual fee. However, when they tried to collect this debt from me during my bankruptcy in XX/XX/XXXX, I told them to destroy it, that I was no longer interested in the storage service. Yet, somehow, suddenly in XX/XX/XXXX, the storage has been " resumed '' even though it had not been charged, nor billed since XX/XX/XXXX. 

XXXX XXXX 's office is lying about the date of the invoice and the credit collection agency has not properly validated the debt with some proof of service with my signature ( which obviously does not exist since I haven't been there since XX/XX/XXXX ). 

Further, it states specifically on the invoice ( attached ) that per our contract, if they had not heard from me within 90 days, the contract states that the XXXX would be destroyed. I had not been to their office since XX/XX/XXXX, nor paid any bill, so per the contract, they would have had to destroy the XXXX in XX/XX/XXXX. 

I contacted Cedar Financial at XXXX XXXX XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX and informed them of the above. I did not hear from them again. Now, I just checked my credit as I'm about apply for a home refinance and there is a collection on it. I spoke with them on multiple occasions last fall requesting proof of service on the invoice date. They did not ( could not because it did not happen ) provide it, yet placed my account for collection anyway. 

I have disputed this with the credit bureaus, XXXX & XXXX, but have not received a response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
AS PER MY LAST COMPLAINT IF YOU GUYS DO NOT FULLY INVESTIGATE OR SHOW ME PROOF THAT I HAVE AUTHORIZED THIS INQUIRY MY NEXT STEP IS TO TAKE LEGAL ACTION. I IN NO WAY SHAPE OR FORM GAVE ANY AUTHORIZATION FOR THIS COMPANY TO CHECK MY CREDIT OR LEAVE A INQUIRY ON MY CREDIT REPORT, THIS INQUIRY SHOULD OF NEVER HAPPEND. AS I DO HAVE A FRAUD ALERT NOW ON MY ACCOUNT. YOU DENYING MY REQUEST IS ILLEGAL AND IS YOUR DUTY AS A CREDIT REPORTING AGENCY TO SEEK OUT A FULL INVESTIGATION WITHIN 15 DAYS OF THIS COMPLAINT. I HAVE ALSO CONTACTED THE INQUIRING COMPANY AND THEY SAY THEY HAVE TO APPLICATION OR ANYTHING IN MY NAME If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. WITHIN 15 DAYS OF MY COMPLAINT. MY NEXT STEP IS TO BRING LEGAL ACTION AGAINST YOU COMPANY FOR NOT ACTING ON MY REQUEST FOR AN INVESTIGATION AND NOT PROVIDING ME ANY DETAIL. ONCE AGAIN I DID NOT AUTHORIZE THIS INQUIRIY IS EITHER FRAUDULENT OR UN AUTHORIZED OR A ERROR IN YOUR SYSTEM I would like to be provided proof I consented to this inquiry via FCRA section XXXX and XXXX as well as the accuracy of this inquiry via FCRA section XXXX. If you have no proof immediately of any or one,  I would like it removed immediately By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report I have summited the inquiry 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 2018-05-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
Synchrony Bank sent me a letter dated XX/XX/XXXX that they decreased my credit limit from {$510.00} to {$100.00} based off of a credit report they received on XX/XX/XXXX. Prior to this they dropped my credit limit from {$900.00} to {$510.00} in a letter they sent me dated XX/XX/XXXX based off of a credit report obtained on XX/XX/XXXX. Both times my credit limit was dropped to increase my credit utilization even when my account payment history with Synchrony Bank paying my account on time every time since I have opened my account. The reasons for them lowering my credit limit. They not only did this with my XXXX XXXX Card but they also did it to my XXXX XXXX Card as well. Other credit cards have increased my limit for excellent payment history. Synchrony Bank has punished me causing damage to my credit score by decreasing my credit limits close to my balance owed to show high credit utilization. Prior to this I had paid down my card under 30 % so my utilization was in a favorable status however they decreased my limit causing my utilization to increase and my score to decrease. I am filing a complaint because their practices are unethical and are hindering me from raising my credit score making my credit history unfavorable to other lenders.

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