vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-12 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In early XXXX, due to the insufficient payment had been made to this credit card account. The company closed my credit card account, but I continue to make a payment every month. 

The interest of this credit card was getting higher and now is 26.99 %. I still own {$4300.00} on this card and I make a minimum payment of about {$140.00} per month which also included about {$100.00} of the interest. In XXXX, I have made {$1000.00} of interest to this card and It is 1/4 of the amount which I own on this card. 

I want to pay off this card ASAP, but the high interest makes it become forever. I don't wont to run into the debt collection program because it will also hurt my credit score. 

I was wondering if there is someone can deal with the bank and try to low my interest as the normal rate. Then it will extremely save my time to pay off this card. 

Thank you very much for your consideration, 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 2018-11-12 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: Merchants Adjustment Service, Inc.
State: FL

Complaint narrative:
An account appears twice on my XXXX report. I did not receive a 5 day notice as by law according to the F.C.R.A. which didn't allow me to let this company know I would dispute. This company is not licensed to collect in the state of Florida either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
Medical bill was paid in full ... XXXX.. $ XXXXwas paid to XXXX XXXX XXXX on XX/XX/18.. {$400.00} was paid to XXXX XXXX onXX/XX/18.. no idea why it went to collections..no idea why it was even put in collections, or even removed..it just showed up week of XXXX..no bills nothing..paid in full months ago ...

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 2018-11-12 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: NC

Complaint narrative:
My XXXX practice suggested Care Credit as a solution for a {$7000.00} XXXX  procedure. I signed up in the office and immediately had the funds available for the procedures. After paying on time every month {$220.00} for a year with my balance looking like {$5000.00}, I received a notice the introductory offer was over and I now owed {$7100.00}. More than I originally agreed and with a new monthly due of over {$430.00}. What???? Nearly {$2000.00} in interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I signed up for Paypal credit years ago and never had a problem adding a debit card or bank account to my paypal account so I could pay my bills but 2 months ago I attempted to add a debit card/bank account to my paypal account and it wouldn't let me I do not have phone service so I contacted support via their secure message center [ which they told me isn't secure despite it saying it is ] that kept giving me a never ending response that I have to call them despite no phone service. I would have been happy enough just to get an address to send a check too but they purposefully have been dragging this out to get more money from me as of right now they have charged me : XX/XX/XXXX {$2.00} Interest charge XX/XX/XXXX {$2.00} Interest Charge XX/XX/XXXX {$27.00} Late Fee Despite me contacting them directly telling them I just want to pay my bill and their making it impossible I don't understand why else a company would deny their customer the ability to pay their bill unless they were doing it on purpose

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 2018-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: MD

Complaint narrative:
The debt collector was not forthcoming in establishing the reason for the call and claimed to be recording the call for training purposes but the nature of the questions and desired answers were very suspicious. They seemed to want to corner me into saying certain phrases and words or as opposed to an organic question and answer conversation. The methods were similar to unorthodox methods used by fraudulent debt collection companies in the past that recorded strategic parts of a call to construct false narratives and claims in order to pursue unnecessary and exaggerated ( and often illegal ) actions. I told the debt collector that I had just returned to the United States and had reached out to the original company ( XXXX  ) earlier in the year to handle the debt. They were not satisfied with that answer, became insistent that I was stalling and I hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account WAYRESGRP which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that WAYRESGRP was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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: CA

Complaint narrative:
Equifax has been non-compliant with removing the unverified account Bankruptcy   which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that Bankruptcy was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account DIVERSIFIED ADJUSTMENTS which has been deleted by XXXX  and XXXX. XXXX   and XXXX have both completed their research and determined that DIVERSIFIED ADJUSTMENTS was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: CT

Complaint narrative:
I can not get a decision from underwriting on a refinance and modification of the existing mortgage loan. I am requesting reduction in the monthly mortgage payment from the current rate of approximately {$1200.00} a month to {$800.00} a month and amortization of the current arrears on the loan and a lower interest rate on the mortgage loan.

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 2018-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I get repeated phone calls from a company called PORTFOLIO RECOV ASSOC. They call repeatedly and have managed to contact and harass my girlfriends phone number. I don't know who they are and I have no debt with them. They have yet to provide any proof and again I do not have any type of debt with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-12 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: NCC Business Services, Inc.
State: SC

Complaint narrative:
Without informing a consumer/ customer, with a legit itemized reciept, proves the inaccuracy of debt. Fulfilling my 12 month lease, and cleaning my apartment beautifully after moving out, should have created less debt owed. This is a crime and it will not go unnoticed. NCC has ruined my reputation of credit and is causing me to take legal actions because of the unprofessional way the business chose to handle a loyal customer. I'm unhappy with the inaccurate information the company reported. Illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Keep increase credit limit to temptated me using the card. I finally overspent and couldn't even afford to pay the interest. Tried to talk to them nicely, but they refuse to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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: Nelnet, Inc.
State: LA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX/NELNET which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that XXXX XXXX XXXX/NELNET was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I had money transferred to my Paypal account, after which they locked/limited me and asked me to prove my identity and address. I uploaded those files on the link that I got, after which I got an email saying my proof of ID had to be reuploaded. Went back to the link and there was no option to reupload it. I emailed them every single day since, but only got an automated message back. I called them but gave up after waiting for an hour, tweeted them and got no reply there either. They are basically holding my money XXXX and I need it to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/29 I purchase 4 flight tickets totaling {$790.00}. Next day I called flight company to cancel one since this person couldn't make it to flight. Company refused to cancel. I contact American express to see which were my options. They said they would open a dispute for one ticket to be canceled. They didn't notify me of the findings days after. They just sent me a letter for a survey of the dispute that was already closed. I contacted amex to see the ending of dispute and they said it was on flight company 's favor. I called flight company and they said. They said my tickets were canceled due to amex saying transaction was not recognized ( I never said I did not recognize transaction [ i only wanted to cancel 1 ticket ] ) I called amex and they said they needed proof it was cancelled. Finally I got proof the whole transaction was canceled {$790.00} flight company sent me a letter. Amex made me write down additional letter with details. I did and included letter from flight company that states the transaction was canceled and still amex went ahead and charge me for that transaction that had been canceled. They are still charging me {$790.00} and they refused to solve my problem ignoring the fact that transaction was cancelled a month before " departure date '' and even flight company sent me a letter, Which was originally requested by amex and now still amex is charging me for a service that was completely cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: SC

Complaint narrative:
On XX/XX/2018 I received notice from XXXX, via credit alert, that Waypoint Resource Group had put an account in collections under XXXX XXXX ( which I have never had service ). I had not received written notification of this debt, nor my rights as a consumer, including the amount they alleged that I owed, who the original creditor was/is, or information about what I can do if I think I do not owe the debt. 

Subsequently, on XX/XX/2018, I sent them a letter notifying them that this lack of notification violated 15 U.S.C. 1681 ( 2 ) of the FCRA. I also asked for validation of the account pursuant to 15 USC 1692 ( g ).  The letter asked them to cease collection activity immediately. 

Waypoint did not cease collection activities. They did responded on XX/XX/2018 but did not respond with proper notification, nor any validation of the debt. 

They updated the account status as having been " disputed ''. However, this was delinquent. ( 30 days after receiving notification of dispute ). Waypoint acknowledged that they could not validate the debt, however collection efforts continue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: GA

Complaint narrative:
My late father 's house had a {$120.00} utility bill by XXXX XXXX. The bill was sent to the new owners and they did not forward the bill to me for payment. 
I sold the house and the bill was in limbo as to who owed the bill. 
I never received any notice from XXXX, or Helvy, ( collection agency ) until it was turned over to collection. I sent two letters to Helvy explaining the situation and that the bill was due / paid by the new homeowners. Zero response from Heavy. 
Finally when I saw the collection on my credit report, I called Helvy and explained that I would pay the bill but I needed the collection off of my report. They stated that they would show it paid, but not take off the report. 
I contacted XXXX XXXX and they stated if I paid them, ( XXXX ) they would notify Helvy that this was paid in full, and to mark paid and remove from my credit report. This was not done. 
I filed letters with the three credit agencies stating the dispute, and to remove. XXXX   removed it in 24 hours. The other two agencies have not. 
This gross mistake by Helvy is costing me a mortgage and poor credit score. 
Thank you in advance for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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: Westlake Services, LLC
State: WI

Complaint narrative:
I financed a vehical throught XXXX XXXX XX/XX/XXXX. The company was reporting all of my on time payments correctly until XX/XX/XXXX. I still have the vehicle and i still make my payments on time but for some unknown reason XXXX  XXXX turned over my account to a new financing company without my knowledge ( Westlake Profolio Management ). I've tried with no satisfaction to contact Westlake and also XXXX  to update and correct the deletion or missing information on my credit report. Because of this my credit scores have dropped drastically. XXXX, XXXX  and XXXX  have been alerted of this but all three claim there is nothing they can do. I've filed disputes and yet nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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: GA

Complaint narrative:
My late father 's house had a {$120.00} utility bill by XXXX XXXX. The bill was sent to the new owners and they did not forward the bill to me for payment. 
I sold the house and the bill was in limbo as to who owed the bill. 
I never received any notice from XXXX, or XXXX, ( collection agency ) until it was turned over to collection. I sent two letters to XXXX explaining the situation and that the bill was due / paid by the new homeowners. Zero response from XXXX. 
Finally when I saw the collection on my credit report, I called XXXX and explained that I would pay the bill but I needed the collection off of my report. They stated that they would show it paid, but not take off the report. 
I contacted XXXX XXXX and they stated if I paid them, ( XXXX ) they would notify XXXX that this was paid in full, and to mark paid and remove from my credit report. This was not done. 
I filed letters with the three credit agencies stating the dispute, and to remove. XXXX  removed it in 24 hours. The other two agencies have not. 
This gross mistake by XXXX is costing me a mortgage and poor credit score. 
Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
A derogatory item has appeared on my credit report with all major bureaus. It says it is for XXXX XXXX XXXX, but is being collected by an agency in Delaware. I have received no bills or written communications about such a bill being due or owed, let alone late or turned over to collections. 

Thus, they are simply reporting this to the credit bureaus, damaging my credit scores by over 100 points for a {$610.00} bill that I have never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My late father 's house had a {$120.00} utility bill by XXXX XXXX. The bill was sent to the new owners and they did not forward the bill to me for payment. 
I sold the house and the bill was in limbo as to who owed the bill. 
I never received any notice from XXXX, or XXXX, ( collection agency ) until it was turned over to collection. I sent two letters to XXXX explaining the situation and that the bill was due / paid by the new homeowners. Zero response from XXXX. 
Finally when I saw the collection on my credit report, I called XXXX and explained that I would pay the bill but I needed the collection off of my report. They stated that they would show it paid, but not take off the report. 
I contacted XXXX XXXX and they stated if I paid them, ( XXXX ) they would notify XXXX that this was paid in full, and to mark paid and remove from my credit report. This was not done. 
I filed letters with the three credit agencies stating the dispute, and to remove. XXXX   removed it in 24 hours. The other two agencies have not. 
This gross mistake by XXXX is costing me a mortgage and poor credit score. 
Thank you in advance for your help.

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