vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-10 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 — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/XXXX I placed an order for new XXXX XXXX with XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX, NY XXXX. I did provide frames, everything else was going to be provided by them : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX. The total amount charged was {$610.00} including 20 % store discount. The credit card used was CareCredit XXXX XXXX, telephone number ( XXXX ) XXXX. Few weeks later I picked up my new eyeglassess and immediately noticed they did not work well for my eyes. I did give them a try for a few days but it just didnt work. On XX/XX/XXXX I asked the optical place to correct the issues and the new order was placed. It included the following : 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX. I was told that XXXX brand will work better for my eyes. I was not charged additional amount of money. While waiting for my new eyeglasses, I did my own research on XXXX brand and also talked to few well respected optical places in XXXX just to find out that XXXX brand is outdated and more importantly {$300.00} cheaper then XXXX. I went back to XXXX XXXX and ask if there will be a price adjustment considering the {$300.00} price difference between XXXX and XXXX XXXX XXXX. Their answer was no. On XX/XX/XXXX my new eyeglasses were ready and they worked better then the first pair. I asked the store manager about the price adjustment again and the answer was the same. Few days later I started a dispute through XXXX XXXX. I was never contacted by the bank to provide them with my evidence. On XX/XX/XXXX I received a letter from the bank notifying me that they released the dispute in the providers favor ( XXXX XXXX ) and leaving me with an option of reopening the dispute. On XX/XX/XXXX visited few more optical places in XXXX asking for their help in identifying my new lenses. The all agreed that this is not a XXXX brand and also they could not identify any brand name. They all suggested that something very strange was done to my new lenses. At this point Im very much concern about my vision and whether I should continue wearing my new glasses or not. On top of that, I feel strongly that I was cheated or even robbed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: GA

Complaint narrative:
on Monday of last week the home owner XXXX XXXX requested that the mortgage company 21st mortgage send another draw because XXXX XXXX has completed everything except the flooring her home. they requested that photos be taken and sent in. they was done so the Thursday. After speaking with the handler of the file it was noted that the check was not sent out to XXXX XXXX, however XXXX XXXX XXXX XXXX the owner of XXXX XXXX purchased a overnight XXXX shipping label in a attempt to avoid the home owner to have to pay a late fee. At XXXX and XXXX XXXX XXXX received a email from XXXX XXXX stating that she received the labels and was about to send it off. After not receiving the check at the time of XXXX XXXX XXXX contacted the XXXX XXXX at Ext XXXX ( supervisor ) for 21st mortgage. XXXX XXXX was advised by XXXX XXXX that the check was placed into a drop box after the pickup time that was allowed by XXXX. Now they knew that the label was a next day air and at the time they received the label they could have placed it into the drop box in time for it to be picked up by XXXX. Now a late fee has be added to this account which is {$490.00}, and the home owner stated that she was n't going to pay it because she is not in control of the claims funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have a collection account listed on my credit reports by a debt collection agency, Account resolution services collecting on behalf of XXXX XXXX XXXX XXXX Account resolution services is not licensed to collect in the state of Florida and therefore I am disputing this collection account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I called Transunion to ask for the inquiries to be removed from my credit report and was told I have to file a dispute. I was also told that they can not remove credit inquiries. I have already submitted 2 different dispute letters due to noticing inquiries that had once been removed and are now showing on my most recent report again and nothing has been done. Here are the following inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX , XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX-XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/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 2017-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I 've been attempting to close my account and have plenty of issues with closing the account by phone. I am not able to visit a branch location to close the account because I am out of the country currently. They continue to charge me a monthly maintenance fee and this is a result of not being able to close the account on time. Bank Of America will not waive those fee 's even though they ca n't close my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
In XX/XX/XXXX-XX/XX/XXXX I requested a HAMP modification from Wells Fargo having a XXXX XXXX loan. What I was given was not the HAMP and the modification I was given was something similar but not the HAMP. For 8 years, I have been arguing with WF to correct my modification and they of course refused. Now, in XX/XX/XXXX finally, they agree that I should have been granted the HAMP and they made an error in denying me such. However, since, they refuse to correct and and provided an accurate HAMP modification for me. Today, finally, XX/XX/XXXX I receive a recasted agreement from WF and it is not correct. They have given me a deadline of XX/XX/XXXX - one week- to review this and sign and return it. This is nonsense when they have taken so very long to do it and now they give me one week. The figures are all off and I have NO documents to check and audit it prior to me signing and agreeing to these terms and my balance ( which has been changed several times ) Just on the paperwork mailed to me, I see accounting errors not adding up correctly. They are threatening me " to take action '' whatever that means, if I do not sign and return by XX/XX/XXXX. I want to state again : I am current on my loan and have always been The loan I have now benefits WF more so what is their issue with this deadline The modification they recasted is NOT correct WF refuses to provide me with the requested documents for review and my file contents WF forcing me into signing this agreement as they did back in XX/XX/XXXX. This is bullying, fraud, corruption, It is awful they way I was spoken to when I informed them I need the deadline of XX/XX/XXXX extended. XXXX 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 monetary relief
Consumer complaint received 2017-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I am currently try to purchase my first house. When my credit report was pulled it states that I have a judgment for XXXX XXXX XXXX XXXX. I have traced it back to the county that it was filed in and they have nothing showing at this time about a judgement from them. In XX/XX/XXXX I consolidated all my student loans but some how I have this one lingering around. We are unable to find any information on it, who it is threw originally, and how to get it removed if it still exist. Please Help!! 
Amount : {$2700.00} Reported XXXX Filed XXXX XXXX County Superior Court

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MB FINANCIAL, INC.
State: NY

Complaint narrative:
Back in XXXX of 2017 I was denied XXXX XXXX XXXXXXXX so lost 6 weeks of pay. MB Financial said I could modify my mortgage to a 30 year mortgage. No one returns my calls. I have left over 5 messages since X/XX/17 including another one today X/XX/17. I work in the financial industry & it should only take 30 days at most to modify a mortgage. I am getting the run around & continue to rack up fees because they do n't call me back nor have started the next steps to modify my mortgage. They give me fake phone numbers too. I have names & direct phone numbers in their loss mitigation department & either it rings and rings or numbers not in service. I do n't want to lose my home. I 've been a single XXXX mother for 17 years. No one calls me back or has started the mortgage modification process. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I was modified in 2014 under the MAKING HOMES AFFORDABLE plan with XXXX XXXX XXXX. I also have a 2nd mortgage with PNC. This is a toxic mortgage that is interest only that I Have paid for 13 years already, never any principal going down. Since I was modified under the government program, MAKING HOMES AFFORDABLE in 2014,  PNC was to offer me a XXXX loan modification. They never offered this to me. I am stuck with this toxic loan. They make excuses that about match lists. I am enclosing a copy of my HAMP modification and I want PNC to offer me a XXXX with the 1 percent interest rate for 5 years and the XXXX bonus for 5 years of good payments. Please help me. I am XXXX and living on a fixed income. XXXX XXXX helped me very much and this lender is not working with clients the way the rules state. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, TX. The cash price of the car was {$17000.00}. I put {$200.00} down. The dealer convinced me I needed debt cancellation for an additional {$790.00}. I was also sold a preferred protection plan for 72mos or 70k miles for an additional {$2800.00}. Total financed at 12.54 % interest was {$21000.00}. my monthy payment is {$420.00}.
1 ) Dealer overcharged on price of car and products.
2 ) Single divorced parent of XXXX children with no knowledge of auto sales, taken advantage of by dealer and lender.
3 ) Ally Financial paperwork requesting extension and deferral of two payments to make loan current was approved on XX/XX/XXXX. Approval and proof of transmission of paperwork in hand.
4 ) Ally Financial in process of repossessing vehicle.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had {$350.00} deposited in account on XXXX/XXXX/17. I made a debit card transaction at XXXX for {$350.00} around XXXX.. I had another {$340.00} deposited into my account that same day but in smaller amounts that I withdrew out of an atm for {$300.00}. Some how the deposits got disputed by someone at Bank of America or whoever deposited this money in my account. ( Witch the party that deposited the money into my account had everything on my account because of a loan that turned out to be a scam ) Along with a payment i made to ( myfloridacounty ) on XXXX/XXXX/17 for {$160.00} for a speeding ticket. It turned them into temporary credit adjustments. I did n't file a claim or call fraud department. They have all that recorded when u call. I had a pay check deposited from XXXX XXXX on XXXX/XXXX/17 like I always do every week on Thursdays morning. I was -XXXX when I went to the atm. I called Bank of America a bunch of times and called claims department. I went to XXXX Florida branch and Got treated like trash on the bottom of there shoes. The manager at that branch said that the temporary adjustments were n't there to withdraw. I said I did n't make those claims and did n't care about them cause they were deposits that i used my debit card on. Not credit!!!! Until she pointed out the one about my ticket that i did n't notice. Money was n't available for withdraw or to spend. When she got tired of me telling her how can I use my debit card on something that is n't there. She said I ca n't help you!! I got told why would I spend some one else 's money that was n't mine as I was leaveing. Called claims back and i thought I was getting some where but did n't so I closed my checking and saveings account. I got some emails where they bounced them deposits after closing account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted Transunion, spoke with XXXX XXXX ( Special Handling Supervisor ) to dispute the three US Bankruptcy items on my credit report. I asked XXXX to verify and validate where he received his information about the US Bankruptcy files. XXXX stated, " we verified this information straight from the US Bankruptcy courts. I then asked if he could send me a letter validating the information in regards to the US Bankruptcy items on my credit report. XXXX stated, : I would need a subpoena to validate that information. I then advised XXXX, that I contacted the courts whom stated they do not give out any information pertaining to any bankruptcy cases. I then asked to speak with his supervisor. I spoke with XXXX XXXX whom stated, " they verified this information with a third party vendor and then turned around an stated that they verified this information straight from the courts. I submitted 609 letter asking for this information to be validated and a letter sent out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Ad Astra Recovery failed to validate or send proof of contracts that I have with Ad Astra Recovery. If Ad Astra Recovery does not send a copy of this contract within 30 days, The only resolution i will accept is to delete the said debt from all credit reporting agencies, as it is a fraudulent account. The FCRA requires you to verify the validation of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here and i urge you to remove this item before i am forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
experian placed a fraud alert without my authorization

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-10 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: FL

Complaint narrative:
Hello Consumer Financial Protection Bureau, The following letter is to inform the outcome of a dispute I had with Equifax which started on the telephone on XXXX XXXX 2016 and ended up being submitted by mail on the same date ; regarding a collection account still open ( XXXX and XXXX ) when the same had been closed in 2016 as notified by XXXX and XXXX in a telephone conversation. Also, the full payment to another collection agency ( XXXX XXXX and XXXX ) collecting the same debt. As it turns out, Equifax removed the XXXX and XXXX account from my credit report. However, it failed to add XXXX XXXX and XXXX with a {$0.00} balance and paid in full status. Furthermore, Equifax also had the audacity to removed a non associated account ( XXXX ) in favorable standing dropping my fico score 16 points instead of raising it. The difference between my XXXX and Equifax score is 48 points and this is disturbing. In conclusion, Im trying to improve my credit, but this stunt is hindering me. Can you please help me resolve? Thank you. XXXX XXXX 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am currently try to purchase my first house. When my credit report was pulled it states that I have a judgment for XXXX XXXX XXXX XXXX. I have traced it back to the county that it was filed in and they have nothing showing at this time about a judgement from them. In XX/XX/XXXX 2014 I consolidated all my student loans but some how I have this one lingering around. We are unable to find any information on it, who it is threw originally, and how to get it removed if it still exist. Please Help!! Amount : {$2700.00} Reported XX/XX/XXXX Filed 1XX/XX/XXXX XXXX County Superior Court

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am currently try to purchase my first house. When my credit report was pulled it states that I have a judgment for XXXX XXXX XXXX XXXX. I have traced it back to the county that it was filed in and they have nothing showing at this time about a judgement from them. In XX/XX/XXXX 2014 I consolidated all my student loans but some how I have this one lingering around. We are unable to find any information on it, who it is threw originally, and how to get it removed if it still exist. Please Help!!
Amount : {$2700.00} Reported XX/XX/XXXX Filed XX/XX/XXXX XXXX County Superior Court

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
please help me consumer financial protection bureau, it is now 3 years asking Chase home finance to help me avoid foreclosure and all they keep doing is playing games with my home. the last application submitted for a short sale was at the beginning of the year and it took them 8 months for them to review my application and tell me that I was denied for a short sale because they can not verify my identity. I asked chase what information they are requesting from me to verify my identity, they never call me back to tell me whats needed. now they have placed a foreclosure sale date on my home and I am very scared and I do n't want to loose my home. please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgement listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Experian was able to gain access to my inaccessible information? According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the judgement from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.

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