vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MA

Complaint narrative:
XXXX, i spoke with a representative on XX/XX/2017 regarding an old account. Th I asked how much was the equipment fee. I was told the equimpment fee was XXXX ; i said i no longer use the equipment and would like to return it. XXXX XXXX of IC Systems instructed me to contact XXXX XXXX directly. Upon contact the XXXX XXXX representative XXXX XXXX, looked into my account and stated " the equipment was outdated and would not be accepted '', however my account would be credited the XXXX equipment return fee '' and the account would be updated to reflect the fee - over the weekend. On XX/XX/2017 i called XXXX XXXX back, as i did not see the credit on the account, i was then told - the return date had passed and i would be responsible for the XXXX - the previous representative had given me misinformation. I then quoted the recording which states all calls are recorded for customer service and quality assurance.. they told me they could not honor the misinformation provided by their representative.

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 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
The TransUnion credit reporting agency incorrectly deleted my XXXX credit account in the year XX/XX/XXXX. I have been trying since XX/XX/XXXX to have the account re-opened. XXXX has sent three separate requests to TransUnion to report the account, but TransUnion has taken no action to re-open the account. 

The account was being reported on my wife 's TransUnion credit report as recently as the year XX/XX/XXXX ( TransUnion file number XXXX dated XX/XX/XXXX ), and so we submitted an online dispute on XX/XX/XXXX asking to have the account reported on my credit report. The TransUnion investigation results listed the account as " Deleted '' ( file number XXXX dated XX/XX/XXXX ), and we later discovered TransUnion had deleted the account from my wife 's credit report ( file number XXXX dated XX/XX/XXXX ). 

XXXX submitted their first request to the XXXX major credit bureaus to report the account in XX/XX/XXXX, and discovered both TransUnion and XXXX were not reporting the account. XXXX has always reported the account. XXXX sent a second request on XX/XX/XXXX to have the account reported by TransUnion and XXXX. XXXX is now reporting the account per their Report Confirmation number XXXX dated XX/XX/XXXX, but TransUnion is still not reporting the account ( TransUnion file number XXXX dated XX/XX/XXXX ). I contacted XXXX again on XX/XX/XXXX about this issue. Their investigation dated XX/XX/XXXX revealed the account ending in XXXX is being reported by both XXXX and XXXX, but not TransUnion. 

I sent another dispute letter to Transunion on XX/XX/XXXX asking them to re-open the account in question and provided the above details. They responded with a form letter dated XX/XX/XXXX indicating the information I am disputing " does not currently appear on [ my ] TransUnion credit report. '' The XXXX account is our second oldest credit account, having been opened on XX/XX/XXXX per my wife 's TransUnion file number XXXX dated XX/XX/XXXX. TransUnion 's continued refusal to fully investigate and report this account is causing my wife and I potential harm by not accurately reflecting our current credit history. I have made a good faith effort over several years to resolve this dispute, but am now asking you to intervene on our behalf. I believe TransUnion needs to speak directly to XXXX to understand which account should be reported. XXXX has tried to have the account reported through conventional means ( and succeeded with XXXX ) ; and our attempts to have the account reported only resulted in TransUnion deleting the account from my wife 's credit report. 

Thank you for your time and attention to this matter. If you need any additional information, please let me know.

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 2017-04-13 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I requested a credit increase on my Lowes Business Account in the month of XXXX, 2017, online using Lowes Request Increase function on their website. The request was denied. I received a letter ( will upload as an attachment ) stating : Synchrony Bank has reviewed your request to increase the credit line on your business account with Lowe 's Business. Due to the following reasons ( s ) we are able to approve your request : Low payments to balance in the last 2 months on this account Low payments made in the last 3 months on this account. 
Low payments made in the last billing period on this account Recent delinquency on this account The letter does not state where they pulled any credit information. It does not state XXXX, etc. 
The letter merely states the reasons were based upon 'on this account ' referencing that they used by Lowe 's credit history in determining the denial of request of a credit increase. 
I called Synchrony Bank ( Lowe 's ) regarding the letter, stating to them that none of the 4 reasons were true. At no time did any of the 4 reasons listed in the letter were true, or factual. They stated that I should contact the credit bureaus and file a credit report request and dispute with the credit bureaus. I stated to them that the letter did not have who they used as a credit inquiry bureau source. They still stated I was to dispute the issued based upon : 'We came to our decision based upon information supply by the credit bureaus '. I called all XXXX credit bureaus and none of them have any requests for information from Lowes, or Synchrony bank within the last 3 months. 
The reasons for the credit increase denial are incorrect. 
I believe I was not treated fairly. 
I believe they ( Synchrony Bank ) aka Lowe 's used incorrect information on assessing my credit worthiness.

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 2017-04-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
I was renting an apartment from XXXX over 2 years ago. And am now just seeing I have a XXXX dollar past due bill sent to the collection agency IQ Data int'l. My roommate at the time already paid what was due on the apartment after we moved out. And I am currently trying to track down proof of that transaction.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MIDLAND FUNDING REFUSES TO REMOVE DEBT COLLECTION FROM MY CREDIT REPORT, ALTHOUGH THE DEBT COLLECTION ACTION WAS DISMISSED BY THE SUPERIOR COURT OVER 2 YEARS AGO. 

THEY ALSO REFUSE TO PAY THE ASSOCIATED COURTS PER THE COURT DISMISSAL

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One initiated another account in my name and did not tell me or send a bill that this count existed resulting in a 30 late reporting to the XXXX credit bureaus, XXXX, XXXX and XXXX XXXX. I have since closed out the account, but it is still showing 30 days late and affecting my ability to secure credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have called TransUnion several times to have them remove unauthorized inquiries from my credit report. I have a right to dispute and have removed any unauthorized information from my credit report. XXXX and another rep stated that they do n't dispute inquiries and asked that I call the company who placed the inquiries on my credit. I have been unable to identify who these companies are and the ones who I was able to successful reached stated that I need to contact the credit bureau directly. XXXX, XXXX, XXXX, XXXX. Please remove thses unauthorized inquiries.

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 2017-04-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I had been late a few times on my mortgage and even after catching up I have still been charged late fees, property inspection fees, and nsf fees. I use my banks website to pay through Web bill pay and they can not explain how or why I am being charged extra charges. I have been spoken to in a demeaning and rude manner. I do not want to remain with this company and I am currently looking for a different company. My loan was sold to these people from another loan provider. Freedom mortgage has been the worst company I have had the displeasure of dealing with.

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 2017-04-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX, I executed a HAMP modification to the original mortgage which increased the principal balance from {$230000.00} to {$270000.00}, a difference of {$41000.00}. Based on simple interest calculation of the principal balance pursuant to the terms of the promissory note - including provisions for escrow - only {$21000.00} of the {>= $1,000,000} increase was necessitated to bring the escrow and the loan interest accrual back into good standing. We have yet to receive any indication of who at Chase received the {$19000.00} or how it was applied, only that it increased the principal balance. With a principal balance that was inflated due to the {$19000.00} unsubstantiated increase to the principal balance effective XX/XX/XXXX ( the effective date of the HAMP modification ), borrower overpaid interest through XX/XX/XXXX. On XX/XX/XXXX ( effective date of the XXXX transaction ), XXXX XXXX closed a XXXX deferred loan for an amount totaling {$42000.00}, of which {$4800.00} went to bring interest current on the correct principal balance and {$15000.00} was applied to PITI monthly payments of {$1700.00} over the period XX/XX/XXXX to XX/XX/XXXX. Had the proceeds been correctly applied, {$17000.00} would have been applied to principal on a principal balance of {$240000.00} or those funds would have been available to make PITI payments using XXXX XXXX funds to XX/XX/XXXX ( vs. the end date of these payments on XX/XX/XXXX ). During XX/XX/XXXX, based on the erroneous internal accounting, XXXX initiated foreclosure. Borrower was charged legal fees and late fees which should not have been charged due to the incorrect representation of the balance due and other amounts due. Borrower in XX/XX/XXXX reached an arrangement with Chase to allow her to deploy approximately {$4000.00} she had borrowed from a family member to complete replacement of her roof. She had already expended {$5000.00} for this purpose and needed to spend the additional {$4000.00} to finish the roof. Chase agreed to allow her to do this inclusive of a 90-day payment moratorium, as they desired these improvements be made to the loan collateral. When the servicing rights were transferred to XXXX from Chase in XX/XX/XXXX, XXXX 's representatives in XX/XX/XXXX refused to acknowledge the payment moratorium and thus the dispute between borrower and XXXX, as it related to the balances due in principal, interest, escrow and the payment moratorium, began in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Allied Collection Services, Inc. (Nevada)
State: TX

Complaint narrative:
I reached out to this company on several occasions with reference to the said account advising that this is NOT my account and if it is indeed my account the please validate and send me supporting information. This was not done. It shows on my credit reports and is adversely affecting me. While the account was updated as being PAID it was not removed. I told this Collections Company that this is not my account and I never received a call, mail or any notification that this was an attempt to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I joined a gym on a monthly payment plan. When I put my gym membership on hold, they still continued to charge me. They have refused refund so when i disputed the charges with my CC company they said they would n't cancel the charges because the gym putting the account on hold was done as a favor. This was n't a favor though, since it was in my contract. I 've tried multiple avenues with the gym and with the CC company and do n't know where else to go for this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I have been making monthly payments of {$660.00} since XX/XX/XXXX. I wrote down my balance due on my student loans on XX/XX/XXXX and some have increased over the past ten months. 
XX/XX/XXXX XX/XX/XXXX balance due {$79000.00} {$78000.00} {$1500.00} {$1100.00} {$1300.00} {$1600.00} {$780.00} {$1000.00} I have XXXX more loans but this is a representation of what is happening to my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Statebridge Company
State: FL

Complaint narrative:
Statebridge Company has reported my account past due to credit reporting agencies and I have paid as agreed consistently. I have emailed them requesting a full accounting of all payment and interest and they have ignore my request and requested a payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This XXXX and XXXX account is not mines and has been deleted by XXXX. The XXXX account appear to be the same debt, so how can it be posted two times? XXXX not mines. 

1. XXXX XX/XX/XXXX Open {$5900.00} 2. XXXX Other XX/XX/XXXX Closed XXXX Missed Payment {$1400.00} 3.XXXX Other XX/XX/XXXX Closed {$0.00} 4.XXXX XX/XX/XXXX Closed {$1000.00} This account is paid in full. 
XXXX XX/XX/XXXX Open - Current {$45000.00} These XXXX accounts are not mines.

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 2017-04-13 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I had a debt with XXXX that is showing on my credit report. I had to contact midland funding LLC to settle this debt. I have been paying on this debt since XX/XX/XXXX at XXXX a week. They now will not talk to me or return my calls in regards to this debt. I am trying to clean up my credit report and need this debt resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In XX/XX/2013 my wife and I went to the local Wells Fargo bank to open a checking account after moving back into the area.After going thru the registration process with the checking acc., the young lady representing the bank mentioned their crediet card set up and its benefits, one of which was overdraft protection and a 0 % promotion rate. We agreed to add that on mainly for the overdraft protection. As i mentioned we had moved back to the area after purchasing my parents home. this was done 3 months prior to the Wells Fargo bank visit.It should be noted that we purchased the home with a 15 yr. fixed mortgage at 2.62 %. My wife handles all the bill paying online. About 5 months after initial checking sign up, my wife developed health issues ( on XXXX now ) and our focus was somewhat divided. It was not till the following XXXX that I opened a billing from Wells Fargo and noticed that we were being charged 26 % interest on our credit card. My credit score during this time span has been in the XXXX-XXXX range.Over the last cpl. yrs I have contacted numerous departments, talked to different levels of employee ranks and have never been able to get a clear or definitive answer as to why a rate that high was applied to our account.I have asked what criteria was used to determine rate, again no clear cut responce. I also have another credit card ( XXXX XXXX ) with a rate half the Wells Fargo rate.After reading all the articles over the last 6-9 months regarding Wells Fargo banks practices I decided to file this complaint to hopefully get some action on this matter. 

Thank You, XXXX P.S. I have asked them to lower the rate to the level it should be each time without any results

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 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The accounts below are not mines? 
XXXX Account number XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX .... 

XXXX Account number 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 non-monetary relief
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion customer service would not help taking care of the negative inquiries reporting to my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2017-04-16 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Velocity Portfolio Group
State: PA

Complaint narrative:
The company Velocity Investments , LLC has acknowledged that they have closed the account for this debt. Because of this closure I would like this information communicated to the Prothonotary of both XXXX and XXXX counties, both in Pennsylvania so the judgments can be removed and my credit restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have had a 10+ year realationship with WELLS FARGO. I also in the past have taken out Unsecured Personal Loans and had no issue with approval. Actually, the last time I applied I was approved in under 20 minutes. 

This time however, I put my roommate on the loan who has bad credit. I was told that the leading applicant who makes the most money ( me ) would be the primary on the loan and that there should be no problem in applying. 

They declined my loan because my co applicant has bad credit. HOWEVER, I was told that he should not have an effect on this loan other than being able to build credit by being a co applicant. 

My issue is this- How the XXXX can I apply for a loan and no one calls me to follow up and tell me WHY I got declined. Provide me with NO NUMBER to call in and find out more information. No link to see reasons of a decline. Nothing but a pointless hit on my credit and my co applicants, who clearly has bad credit so why not hurt it more by applying. 

Wells Fargo is nothing but a bunch of rich XXXX who give XXXX wages to their emplyoees and rip people off. How is a RELATIONSHIP lender not going to loan me money at the MINIMUM amount when I have over 9k+ in savings and a credit score over XXXX. 

They need to be fined for more than chump change. They need to change their processes. If you really are the CFPB DO something rather than give a tiny fine and then take the money to your own pockets. 


Feel free to look up my loan Unsecured : XXXX - 36 MONTHS 8.747 % - {$95.00} a month XXXX XXXX one of the managers of lending needs to be fired.

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