vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I had file a complain XXXX against SYNCHRONY FINANCIAL a month ago. After that complain, the office of the president sent me an email through its senior customer relationship in the name of XXXX. They agreed to reimburse the over charged they put on my credit card and said they have mailed me the refund check of {$530.00}. They also said I will receive the check within 5 to 10 days. After 3 weeks of not receiving my money, I called many times to know the status of my check and finally, XXXX picked up the phone and said she will look into that. I still have not heard from her. I left her 4 voice messages and an email but she never returned my call or reply to my email. I understand {$530.00} is not a lot money for her but for me, that's a lot. It a money I can use to help pay my daugther 's daycare, it's a money I can use to help pay my mortgage among other thing. I am not looking for any charity from SYNCHRONY FINANCIAL. I want my money back. That's all.

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 2018-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I would like to re-open the complaint XXXX for it has not been properly resolved. I have asked XXXX XXXX  to verify this debt with all of the following proper debt validation : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service They have failed to provide me with all of the above documentation. XXXX XXXX has responded to this complaint stating that the account was charged off, and sold to XXXX XXXX. I have also requested XXXX XXXX to provide me with the above debt validation, they were unable to, and as a result ceased all collections on this account and removed it from my credit file ( see the attached response letter from XXXX XXXX ) because the account is not verifiable. Being that this account is no longer owned by XXXX XXXX, and they're unable to properly verify the debt, then they should not illegaly be reporting this account on my credit file.

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 2018-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I am getting ready to pay my last car note but they're trying to charge me like {$1200.00} extra in late fees. I've tried to negotiate with them but they have zero tolerance when I tried to negotiate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-19 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: MI

Complaint narrative:
I have disputed multiple times with Transunion, XXXX and XXXX regarding the inaccurate reporting of XXXX. 
These inaccurate accounts continue to be reported and they are not mine. 

XXXX Opened XX/XX/XXXX {$270.00} Original creditor : XXXX XXXX Opened XX/XX/XXXX {$1000.00} Original creditor : 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 2018-03-19 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: MI

Complaint narrative:
I have disputed multiple times with XXXX, Equifax and XXXX regarding the inaccurate reporting of XXXX. 
These inaccurate accounts continue to be reported and they are not mine. 

XXXX Opened XX/XX/XXXX {$270.00} Original creditor : XXXX XXXX Opened XX/XX/XXXX {$1000.00} Original creditor : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: WI

Complaint narrative:
I called Discover Payment Protection, XX/XX/XXXX, to cancel the plan and get a full refund the fees as I am not aware nor do I remember enrolling in the plan. I talked to XXXX XXXX and she said I enrolled when I applied for the card on XX/XX/XXXX. However, I asked for proof of my enrollment and she said it was not possible as it was so far back. 

Upon calculating the Fees paid between XX/XX/XXXX, the payment protection fee total is {$400.00}. This fee does not include from XX/XX/XXXX. I asked to get the full amount back, but she stated something along the line of 'we ' believe we notify our customers enough about the payment protection fee and our policy only allows for 6 months refund. She first offered to refund me last months fee, but then later offered to refund 6 months totaling {$65.00}. I agreed to canceling the plan and refund of the 6 months. However, please refund me the FULL amount, including from XX/XX/XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
We purchased our home insurance since XXXX to avoid continually paying forced placed insurance through our escrow. I have called many times to get my mortgage reanalyzed since the policy was paid in full. I have paid the regular amount each month and they continue to include the home insurance payment. I've been asking them to just lower my payment since my policy has been paid in full and I keep getting the run around.

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 2018-03-19 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX   and XXXX with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX deleted this account how did they delete it if you verified it with XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: MI

Complaint narrative:
I have disputed Inaccurate reporting of XXXX/DEPT OF ED multiple times with Transunion, XXXX   and XXXX with no help. These are not my account. 

XXXX/DEPT OF ED  Last reported : XX/XX/XXXX {$3900.00} 120+ Days Late XXXX/DEPT OF ED Last reported : XX/XX/XXXX {$2900.00} 120+ Days Late

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 2018-03-19 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: MI

Complaint narrative:
I have disputed Inaccurate reporting of XXXX/XXXX XXXX XXXX multiple times with XXXX, Equifax and XXXX with no help. These are not my account. 

XXXXXXXX XXXX XXXX Last reported : XX/XX/XXXX {$3900.00} 120+ Days Late XXXXXXXX XXXX XXXX Last reported : XX/XX/XXXX {$2900.00} 120+ Days Late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19 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: MOHELA
State: MI

Complaint narrative:
I have disputed Inaccurate reporting of MOHELAXXXX XXXX XXXX   multiple times with XXXX, XXXX and XXXX with no help. These are not my account. 

MOHELA/XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3900.00} 120+ Days Late MOHELA/XXXX XXXX XXXX Last reported : XX/XX/XXXX {$2900.00} 120+ Days Late

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I contacted AD ASTRA RECOVERY on XX/XX/2018 in regards to a collection on my credit report that does not belong to me. I have been a victim of identity theft and I'm requesting for this collection to be removed from my account as it was not me. The company stated I need to file a FTC dispute and then fax them over the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
I was in a position of being evicted. I searched online but never really wanted to do one of these loans. I received an email from XXXX  and I was so desperate and they were very persuasive and I ended up borrowing $ 900.in XX/XX/XXXX. I thought I would be able to pay it off within a few weeks. I thought it was a monthly payment. It is {$280.00} every two weeks. I lost my job in XX/XX/XXXX and if I paid it off it will be {$1000.00}. I have already paid {$1100.00}. I see now that the interest rate is $ 740.21 %. I have notified them that I no longer would authorize ACH withdrawls, I have not heard any response from them. I know that if they attempt to withdraw funds onXX/XX/XXXX, I will get charged for an NSF charge. I was involved in an accident on XX/XX/XXXX suffering a concussion. I am now having to look at going back on XXXX XXXX.

I can not fathom it being legal to charge the percentage rate they are charging. I don't know if there's anything that can be done. This should be illegal. I at least needed to file a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX   and XXXX with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX deleted this account how did they delete it if you verified it with XXXX  and 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 2018-03-19 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I have been disputing this account for 6 months with XXXX XXXX, XXXX, XXXX and XXXX. This account still remains. 

XXXX XXXX XXXX Last reported : XX/XX/2018 {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: American Student Assistance
State: TX

Complaint narrative:
In XX/XX/XXXX, I was told that I had completed my rehab by a representative at American Student Assistance or it's representative. 

I documented the balance due and date. It's below. I waited and called a while after and was told that the loan was sent to XXXX XXXX and the amount was about $ 58K and that I was not out of rehab. I called onXX/XX/XXXX and was told I need to start over my rehab since I asked for proof of amount. They added {$8000.00} to my loan when it was transferred which is what I complained about in XX/XX/XXXX. 

I want help with getting the phone records from my conversation in XXXX. I called on XX/XX/XXXX again and got got a supervisor named XXXX XXXX. ( XXXX XXXX - XXXX ) She says she will find out who the original college rehab was through. I plan to then ask that provider to review the phone call record from the data below where my balance was given and get my rehab payment record. 

I need help to make sure this happens as when I call XXXX XXXX, they tell me I need to restart the nine months over again. 

Monday, XX/XX/XXXX XXXX PM I am to receive letter or email Rehab is done Loan will be in good standard Agency Relations - XXXX Option 2 ASA is the Guarantor of the loan Balance {$49000.00}

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 2018-03-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I contacted XXXX XXXX XXXX on XX/XX/2018 in regards to a collection on my credit report that does not belong to me. I have been a victim of identity theft and I'm requesting for this collection to be removed from my account as it was not me. The company stated I need to file a FTC dispute and then fax them over the documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX  and XXXX with supporting documentation showing that you guys are reporting differently to from XXXX  to XXXX  and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX   deleted this account how did they delete it if you verified it with XXXX   and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXXa purchase was made at XXXX XXXX XXXX XXXX XXXX  NY fo {$49.00}. the clerk typed {$79.00} and refused to make good, refused to print a receipt and copied signature from the back of the card, Owner was contacted following Monday Tuesday and Thursday and refused to make good, credit card issuer was advised, via internet site, and failed to respond, on XX/XX/XXXX I contacted the credit card billing to dispute charges, I held over an hour from agent to another who they refuse to dispute, upon threatening to close the account they took the dispute, which clearly stated the wrong charge and the merchant refusal to provide a copy.

TDbank opened a case XXXX, sent me a letter asking for the receipt which I told them clearly that the merchant refused to provide, while calling them they have in hold again for over 30 minutes, because I disputing a charge, and still refuse to make good.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-19 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX  and XXXX with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX  and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
XX/XX/2018 made contact with creditor that this account is not my and I have never requested such loan and was referred to make a complaint on line with the FTC and they do not want to take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX  collecting debt for XXXX XXXX XXXX that I never opened or knew about, have asked for a copy of where I signed up for this card and nobody is able to provide information. I have contacted XXXX XXXX to be told contact XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: MI

Complaint narrative:
I have been disputing this account for 6 months with XXXX XXXX, Transunion, XXXX and XXXX. This account still remains. 

XXXX XXXX XXXX Last reported : XX/XX/2018 {$410.00}

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 2018-03-19 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: MI

Complaint narrative:
I have been disputing this account for 6 months with XXXX XXXX, XXXX, Equifax and XXXX. This account still remains. 

XXXX XXXX XXXX Last reported : XX/XX/2018 {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: Mid-Michigan Collection Bureau
State: MI

Complaint narrative:
I have disputed inaccurate information with MID MICH and XXXX for 3 months regarding accounts that are not mine. 

Midmichcb Opened XX/XX/2014 {$25.00} Original creditor : XXXX XXXXXXXX XXXX Midmichcb Opened XX/XX/2014 {$25.00} Original creditor : 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 2018-03-19 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: CITIBANK, N.A.
State: NY

Complaint narrative:
i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX and XXXX  with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX  and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX   deleted this account how did they delete it if you verified it with XXXX   and 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