vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
In 2012, I discovered that someone had used my name and personal information to open a Wal-Mart credit card in my name, without my knowledge. Since that time, I have filed complaints, disputed the account at the three credit bureaus, and also requesting a fraud investigation from Sychrony Bank. To date, Synchrony  Bank has done nothing to initiate a fraud investigation.

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 2017-10-25 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: GA

Complaint narrative:
This is from a previous complaint, which was escalated to the Federal Reserve on the acct, XXXX XXXX XXXX XXXX XXXX XXXX, showing on my credit report. It was resolved via the Federal Reserve,  however Equifax is continuing to show this account after XXXX XXXX XXXX XXXX XXXX conceded and told the Federal Reserve that an ( AUD ) Automated Universal Data form would be sent to the 3 CB 's. Well, both XXXX and XXXX have already deleted/removed the account, but Equifax has not. I spoke to an Equifax customer service representative last week and was told that they had not received the form. I reached out to the Federal Reserve agent and she told me that XXXX XXXX XXXX indeed sent the AUD. It is my contention that Equifax is ignoring the request to have the account deleted from my report. I believe the AUD went out to all 3 at the same time, therefore Equifax should 've already deleted the account. ( I am attaching a copy of the letter from the Federal Reserve for your review )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-25 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TD BANK US HOLDING COMPANY
State: MS

Complaint narrative:
I received a call from TD Auto Finance at my place of employment ( the number referenced ) and asked the operator to note that I am unable to receive personal calls at work. The operator said she would note my account that the number was not to be used for collection purposes. Yesterday, I received another call at my place of employment. I was away from my desk but saw the number on the caller ID. I sent a complaint through their communications system on the TD Auto Finance website with the following response : " Thank you for reaching out to TD Auto Finance to share your payment intentions. To have your payment intentions noted on your account, please call us at XXXX Monday through Friday XXXX XXXX to XXXX XXXX Eastern Time, Saturday XXXX XXXX to XXXX XXXX. Eastern Time, and Sunday XXXX XXXX. to XXXX XXXX. Eastern Time. If you have any other questions or need further help, please let us know. We value you as a Customer and are here to serve you. Thank you for choosing TD Auto Finance. Sincerely, XXXX XXXX Problem Resolution Specialist TD Auto Finance. '' Less than 24 hours later I received ANOTHER call at my place of employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-25 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: OH

Complaint narrative:
All of a sudden on XXXX XXXX, XXXX Equifax STOPPED reporting to XXXX XXXX therefore preventing me from accessing my credit score. I reached out to XXXX XXXX and this is what I was told ... XXXX '' I can see that we are receiving an error when your account attempts to receive updated information from Equifax XXXX Unfortunately since this is an error generated by the Bureau we are unable to bypass it on our end and have limited insight to it, please contact Equifax. '' Bc of Equifax throwing that security freeze on my account numerous times w/o my permission this is what I have to go through. I never asked for it and when she said its one of the two either information updated or a freeze was placed I knew exactly it was bc you kept throwing that freeze. PLEASE DONT RESPOND AND SAY THERE IS NO FREEZE BC I AM AWARE OF THAT. Just please get with XXXX XXXX and resolve this. 

Thats what I was told. I was told it could be bc my information has changed or there was a security freeze on my account. I advised as of today there are no freezes or alerts and information is the same. Even contacted Equifax spoke to Supervisors was on phone for 45 minutes TO NO AVAIL. They had no clue what I was talking about and kept saying " we dont do anything with XXXX XXXX '' um DUH I know that they are just lazy. Please get this corrected so that my information can get sent to XXXX XXXX and I can receive my score. I ', m done calling Equifax I called 12 different numbers I AM DONE WITH EQUIFAX. XXXX updates fine its only Equifax. XXXX XXXX cant to anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
My Boat loan is through Citizens Bank of XXXX XXXX and had extensive damage during hurricane Irma. My insurance company immediately issued a check for the repairs on XX/XX/XXXX for  {$22000.00} dollars. Because of the lien on the boat I sent it directly to the Citizens bank of XXXX XXXX explaining the status of the boat and how important it was for immediate repair and requested that the check be be returned to me as soon as possible. I followed up on the the status of the check a week later and was told that they could not tell me the status even though I provided the USPS tracking number. I called again numerous times and was never given the status. Finally, after 6 phone calls on XX/XX/XXXX I reached a loan officer that told me I would not know when the check would be returned until the bank chairmen 's meeting. The bank has now had the insurance companies check since XX/XX/XXXX  The supervisor could not tell me when the meeting would be and not to call the bank again .... the bank would call me. Meanwhile I have a boat in XXXX XXXX that has only temporary repairs and could be severely damaged and possibly lost with even a moderate storm.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I am devastated by the response I received from CFPB. I submitted a complaint, complaint # XXXX. I stated that the person trying to collect may not be a real party of interest. The servicer wrote you all letter and you closed the complaint. Did you even read the letter. I will attach it here. The letter states the loan when in default in XX/XX/XXXX. How can they be foreclosing on a property that is not even 30 days late. 

In order to say yes I am late I would have to believe a debt is owed to the person attempting to collect and I do n't believe a debt is owed to them by me. 

I need you all to really look into this for me. The assignment that they submitted to a trust that closed in XX/XX/XXXX. Please see the attached PSA. If you go to the definition of cut-off you will see the Trust cut off XX/XX/XXXX. No non performing loan can go into a trust after that cut off date as it is a violation of IRS code 860 A-J. That could possibly be criminal behavior. 

Please investigate this. I am contacting the IRS and the FBI on this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint Mortgage Servicing Company is inaccurately applying payments on my mortgage. They have also sent me conflicting payment notices as well as payoff notices. Their Bankruptcy department sent me a ledger which is in conflict with the payment history from the servicing side of the company. Over the last 2 years, they have taken payments and rejected others without explanation. They have even sent back payments to me that belong to other account holders. Based on the above, I can not determine what is due. I wrote them a letter on XX/XX/XXXX and XX/XX/XXXX outlining the errors and attached copies of my bank statement showing payments made. I also included a XX/XX/XXXX notice from the Bankruptcy Trustee that was filed with the court which indicates that there were no objections to the Trustee 's final report, essentially meaning that I paid everything to cure the default. In my letters to Shellpoint, I indicated that I wanted to have the information corrected so that I could apply for loan modification. They have failed to provide a detailed response addressing my concerns or make corrections. Instead, they have rejected my payments and on XX/XX/XXXX referred my loan to XXXX XXXX XXXX law firm to start the foreclosure process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ROYAL UNITED MORTGAGE LLC
State: NJ

Complaint narrative:
I applied for a mortgage refi. With ROYAL UNITED MORTGAGE. We are currently in a adjustable rate mortgage. And wanted to refinance to get locked in. My credit score is a XXXX my income is over 100,000. we have about {$90000.00} of equity in our home. However I was steered into applying for an FHA loan. I paid {$500.00} for a home appraisal FHA.My wife happened to look over this loan application and realized that we qualify for a conventional loan, and paying almost 11,000 for points. We feel we were pushed into this loan so they could reap more monetary benefit from the government loan. Also I consider this predatory lending. If my wife did n't look into this loan it would 've cost us thousands of dollars and years to even get back the money that we put into it.The fees were astronomical, they were charging us for almost 3 1/2 points.

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 2017-10-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
I took out a payday loan several years ago through XXXX XXXX XXXX. During that time, things were fine, until I needed to change to a different bank account because I changed where my direct deposit was going. They told me that there was n't a problem, then they tried to take it out of the wrong bank! When that happened, everything went nuts and I had bounced checks going crazy on that account. This put me in a financial bind and I was not able to pay them, and I had to close out that account. That had to be at least 2-3 years ago. 

I received a phone call today at WORK ( I have told XXXX XXXX that they may NEVER call me there ) from XXXX at XXXX telling me that they were in the process of having me charged with defrauding the state of Florida and writing bad checks. Once this happened, I would be arrested at my place of employment! I told them that they could not call me there, but I would have my wife call them back. When she called them, they would n't give her any information. She wanted their correct name, mailing address, and fax number, but they refused to give it to her or even verify their correct business name. ( They answered the phone as XXXX, XXXX, and XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I was shocked when I reviewed my credit report and found a late payments for these two dates : XXXX 2014, XXXX 2014 I am not sure how this happened. I believed that I had made my payments to you when I received my statement. My only thought is that my monthly statements did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
This letter is to notify you that I no longer am disputing this account and that the balance of this account should reflect a zero balance on my credit report. 

I paid this account directly to XXXX XXXX over a month ago. I am in the process of getting a mortgage and this account is holding me back from getting approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
This letter is to notify you that I no longer am disputing this account. 

Please remove all consumer dispute statements from my credit profile as reported to the credit reporting agencies by your company upon receipt of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to update/correct my following personal information below on file with the way you are reporting it. 

Incorrect Name : XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX Incorrect Social Security Number : XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this SSN and any accounts associated with it for violating the FCRA. 

Incorrect Address : ( These addresses are incorrect and are not an accurate address for me. Delete these addresses for violating the FCRA. ) XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , PR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXY XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PR 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 2017-10-25 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: TX

Complaint narrative:
wrote letters to all 3 credit bureaus ... accounts on that are not mine ... was told these were verified ....

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 2017-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
There was fraudulent activity that took place on some accountsthat were not at my discretion which resulted in them closing

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I got a Home Depot credit card with {$500.00} limit, passed through XXXX credit system. The bank for the home depot is Citibank. During the application process, the store clerk typed my address and phone number wrong. I was never been able to correct my address and phone number with Citi after talking 20 times. They asked me to call from " that number ''. I do not know what the number the store clerk put in by mistake. 

They put also address WRONG. 
Wrong address is XXXX XXXX  XXXX. XXXX. XXXX, XXXX XXXX, CA XXXX. 

" The CORRECT address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. '' I purchase {$300.00} worth the stuff USING THE DATE OF APPROVAL and I paid promptly. Citi is hassing me to the infinity TO CORRECT THIS STUFF. CARD IS NOW FROZEN/INACTIVE Either they correct my address and they can reach me at ( XXXX ) XXXX. 

Also I have the possesion of the card. Citi is a crooked and unethical bank. I even went to Home depot and showed my driving license and I paid through my personal check.

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 2017-10-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Big Picture Loans, LLC
State: IN

Complaint narrative:
Called Big Picture loans on XX/XX/XXXX to pay off loan in full. Principal Balance on account page states {$540.00}. However, The amount to pay the loan in full was {$810.00}. This loan was taken out inn XX/XX/XXXX. The account that they have on file for me to pay my payments with had to be closed due to possible fraudulent activity. I opened a new account and requested that they update my banking information, They said that they would have to email me a ACH Authorization form. That request was made at XXXX XXXX today XX/XX/XXXX. Still have yet to receive the form. I had previously requested this form and it had gone to my spam folder. I completed the form with my new banking information and sent it back at XXXX XX/XX/XXXX and they sent a confirmation back stating that they had received the form. I called them again at XXXX XXXX and requested to pay off my loan and once again they claim they have not received the updated banking information. Said they would contact their email support department and call me back. Still have not heard from them. It is now XXXX. XX/XX/XXXX. This loan accrues {$10.00} per day in interest charges. They purposely delay and have stall tactics to get more interest on the loan. I refuse to pay them one more day interest due to their slow and deliberate delay to accept my payment in full for my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: FL

Complaint narrative:
I am in the process of trying to purchase a home, I spoke with a mortgage representative on XX/XX/XXXX and they pulled my credit, on XX/XX/XXXX, I spoke with a credit repair specialist that deals with the mortgage company, after looking at all of my credit reports advised me of what I would need to take care off. On XX/XX/XXXX, I received a notification that Hunter Warfield, Inc had been added to my credit profile for a collections of {$1500.00} and that the credit file had been opened on XX/XX/XXXX.  Since XX/XX/XXXX, I have been diligently working on my credit to attempt to correct it and I have been keeping a watch on my credit report since, not one time, was this ever placed on my credit report, I never received any telephone calls, emails or mail from this place. I was actually disputing the charges with XXXX XXXX XXXX ( this is who the original company is ) as I do not feel that the charges are valid. I lived in their apartment complex for 2 months, gave noticed to vacate, ( this was a month to month lease ) and handed over the keys. I also requested to be present for the walk thru and was told that I would receive a date, that never happened. Months later, I received a notice from XXXX XXXX XXXX, advising that I owed for damages and cleaning, I attempted to call and received no communications from this company until XX/XX/XXXX, when it showed up on my credit report from Hunter Warfield.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation