vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Well, you got 1/2 of our original complaint accomplishedthat of not receiving a statement. WE NEVER RECEIVED A STATEMENT and when we heard from them it was by way of a collection agency and the balance had increasing charges. WE NEVER RECEIVED A STATEMENT how can we pay a bill when WE NEVER RECEIVED A STATEMENT. 
I do not now know my original complaint number, but I am writing to tell you the solution of having the company send a years worth of past statements is NOT A RESOLUTION. 
We will be happy to pay the original charge sans accumulated interest. But not the interest because WE NEVER RECEIVED THE ORIGINAL STATEMENT. 
Looking forward to a proper response and resolution. 
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 2019-08-26 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: AR

Complaint narrative:
I'm having trouble removing these fraudulent items from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I'm having trouble removing these fraudulent items from my credit reports.

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 2019-08-26 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I submitted a dispute for two credit cards showing charged off on my credit history. XXXX XXXX XXXX claims I owe them {$400.00}, my original credit line {$400.00} and they are showing a charge amount of {$400.00} and charged off the account after only reporting one ( 1 ) 30 day late payment. The account shows being open in XX/XX/XXXX and current for XX/XX/XXXX and XX/XX/XXXX, 30 days late in XX/XX/XXXX and then charged off in XX/XX/XXXX. This is inaccurate. I contacted XXXX XXXX XXXX  and requesting copies of all documentation regarding my account and the sent me a letter stating they are not obligated to give me the information which is a violation of my FCRA rights. 

My second account with Wells Fargo Card Services, they state that they, charged off an account in my name for {$250.00}. I originally disputed this balance on XX/XX/XXXX and requested documentation to prove or validate this account. By law, if an creditor doesn't respond within 30 days, this account should be deleted from my credit report. Also the account was charged off in XX/XX/XXXX and in my state of Florida, a creditor may only attempt to collect a debt for up to four years. So this is past the statue of limitations and all collections should cease and be removed from my credit report.

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 2019-08-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a dispute for two credit cards showing charged off on my credit history. XXXX XXXX XXXX  claims I owe them {$400.00}, my original credit line {$400.00} and they are showing a charge amount of {$400.00} and charged off the account after only reporting one ( 1 ) 30 day late payment. The account shows being open in XX/XX/XXXX and current for XX/XX/XXXX and XX/XX/XXXX, 30 days late in XX/XX/XXXX and then charged off in XX/XX/XXXX. This is inaccurate. I contacted XXXX XXXX XXXX  and requesting copies of all documentation regarding my account and the sent me a letter stating they are not obligated to give me the information which is a violation of my FCRA rights. 

My second account with XXXX XXXX XXXX XXXX, they state that they, charged off an account in my name for {$250.00}. I originally disputed this balance on XX/XX/XXXX and requested documentation to prove or validate this account. By law, if an creditor doesn't respond within 30 days, this account should be deleted from my credit report. Also the account was charged off in XX/XX/XXXX and in my state of Florida, a creditor may only attempt to collect a debt for up to four years. So this is past the statue of limitations and all collections should cease and be removed from my credit report.

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 2019-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently applied for a credit card at XXXX and was turned down due to a bank closing my account. I called the bank in question which is XXXX XXXX but they told me that they did not report this to the credit bureau or have a record of this. I was referred to speak to the credit agency TransUnion. I spoke to them and they do not have a record of this. So there is no way to dispute something that supposedly doesnt exist.

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 2019-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
XX/XX/2020 : American Express Credit Cards : American Express XXXX XXXX, American Express Delta  Platinum,  American Express Platinum I tried to charge {$20.00} for a XXXX Metro Card to refill my card. I saw the transactions kept getting denied. I then used my XXXX XXXX Debit card and the transaction immediately went through. I then called American Express and inquired why the transactions on my Amex cards were denied. I was told that there was a late payment, my one day, on my business credit card. I said ok, well we did not receive a statement for that account, nor a bill, or any notice of past due or upcoming bill. I said to suspend my personal account is not acceptable as my company is a Corporation with it's one FEIN. It's an entirely separate entity and to suspend all of my personal cards with them, available credit in excess of $ 16K was absolutely because of a clerical error and ailing to notify me properly was obscene. They did not issue any late fees or penalties, I paid the amount on the company card needed to re-activate my personal cards. I only had my amex cards during this trip and my debit card, which put me in a very precarious position. This practice is utterly unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have tried to pay off my credit card in full for the balance amount I had left. However, both times the payment was reversed by the credit card lender, BBVA. Subsequently the BBVA dinged my credit score by claiming I had missed a payment. This is despite trying multiple times to pay off my credit card in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
FedLoan servicing is my current loan provider. I am participating in the public service loan forgiveness program and consolidated my student loans in XX/XX/2013. I have made payments every month, but due to interest accruing, my loans eventually split into multiple sequences ( 3 at the moment ). When the split occurred, the number of qualifying payments differed dramatically, despite making the same payment every month. I have been back and forth with this company for the past few years and everytime, I get told the same thing ... the case is under review and being recalculated. " There is nothing you can do but wait. '' I have spoken to multiple supervisors with no success. They all agree with me but nothing gets done about it. Last year, they did readjust my number of qualifying payments, but the numbers still differ. Sequence 1 ( direct subsidized -- XXXX ) has 65 qualifying payments, Sequence 2 ( direct unsubsidized -- XXXX ) has 59 payments and sequence 3 ( direct unsubsidized -- XXXX ) has 59 payments. All of my qualifying payments should match. I feel like i've called a million times and always get the same response. 

I also recently applied for the pay as you earn program which would give a lower monthly payment, but there has been a delay in processing on their end. I tried calling multiple times, but nothing has been done. Late payments have been accumulating because of this, which will not count towards my qualifying payments. Please help. Everytime I contact this company, I get nowhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I contacted Target RedCard services on XX/XX/XXXX due to my account being past due. The agent that I spoke with offered me an arrangement to avoid being 30 days late and also bringing my one payment current. I agreed at the time because I was unsure of my circumstances. I called back on XX/XX/XXXX to cancel the plan and was told that I could not be taken off of this payment plan until I paid the balance off. This was never told to me and had it been I would have never agreed to this plan. I spoke to a supervisor by the name of XXXX, who continued to interrupt me, and finally after being frustrated I just hung up. I also received an email about the terms and conditions and nowhere in it states that I must remain on this payment plan for 12 months and not have use of the card. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Date of activity : XX/XX/2019 Merchant : XXXX XXXX XXXX XXXX Original dispute filed : XX/XX/2019 Claims Dept : Chase Bank Case # XXXX My wife and I brought our family to XXXX XXXX for a day of excitement and fun but unfortunately services were never rendered due to severe weather which was totally unexpected. We requested rain checks from the merchant but they stated that they do not offer any type of rain checks or refunds for that matter. As a result, we are disputing the sum total of {$210.00} that was charged to us. 
We have been to this theme park several times and this have never been a problem. We request that this situation be resolved in all fairness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Pennymac the loan servicer was initially contacted on multiple occasions in regards to hardship on my mortgage as I will be permanently having a loss in come due to my employers commission structure. I spoke to the hardships team which couldn't help me until I fully defaulted on the loan they only option provided was short term forbearance. I was then transferred to the refinance team as an alternative and spoke to XXXX XXXX who provided a deceptive loan estimate with an estimated prop value of XXXX. All he was interested in was a sale and his commission not my hardship. He was asked multiple times how accurate that value was and how that would affect the loan and he assured me it wouldn't have so much an impact if the appraisal came back less.The appraisal came back less and jacked up the loan origination fees and cost of the rate by XXXX ( see pg 2 of support ). XXXX also falsely put a cash out refi on the loan estimate and the purpose of the loan was lower the payment and/or interest rate NOT to take cash out. He offered to give me XXXX cash out without me asking for it. I spoke to his manager XXXX XXXX XXXX on multiple occasions who advised me that the refi was not in my best interest and wanted me to bring XXXX in closing costs to the table which can not afford due to loss of income. I continued to get emails from XXXX XXXX about my refi that was still going through without my consent as nobody would speak to me about the loan as they were proceeding on their own terms. I would just get redirected to XXXX 's voicemail in hopes of a call back. Due to this pennymac has put multiple inquiries on my credit that I would like ALL of them removed, all my calls listened to, and would also like their deceptive sales practices looked into as they do not have the consumers interest at heart especially during times of hardship. LOAN ID XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-26 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: MD

Complaint narrative:
The accounts below do not belong to me. They must be removed immediately. I asked the credit bureaus to furnish proof, provide my signature on any of these loans and they still have not. By continuing to report this they are arresting my ability to maintain employment and conduct commerce. I will file a lawsuit if they do not remove these items IMMEDIATELY! 
XXXX XXXX XXXX XXXX XXXX - Balance : {$91.00} Opened : XX/XX/XXXX ; XXXX XXXX XXXX - Balance : {$53000.00} Opened : XX/XX/XXXX ; XXXX XXXX XXXX - Balance : {$3600.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - Balance : {$1300.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX - Balance : {$1600.00} Date Opened : XX/XX/XXXX ; XXXX/XXXX   XXXX - Balance : {$100.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX/XXXX - Balance : {$5000.00} Date Opened : XX/XX/XXXX ; XXXX/XXXX - Balance : {$250.00} Date Opened : XX/XX/XXXX ; XXXX XXXX - Balance : {$1100.00} Date Opened : XX/XX/XXXX ; Chapter XXXX Bankruptcy - REMOVE IMMEDIATELY Date Opened : 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 2019-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I contacted Capital One regarding the interest on a closed account. The agreement was for 93 a month, however the fees alone total half of that payment, It is simply too high. I will never get ahead. I contacted them to remove the late fee and also help me with the balance but they refused. I need assistance with this bill because at this rate I will owe them even when I die.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have open disputes with Transunion today XX/XX/19 make 30 days and my disputes still havent been resolved.

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 2019-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Hi, I just received A Copy from my credit report XXXX after placed fraud alert due to fraud activity on my credit and noticed that there two UNAUTHORIZED inquiry left by Wells Fargo Wells Farge Credit Services XXXX2019 XX/XX/2019 which i didn't apply for any kind of credit

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 2019-08-27 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: FL

Complaint narrative:
I Have been a victim Of Identity Theft Someone is Using My Identity Which has cause Damage to My Name. I did Not Authorize These Accounts.

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 2019-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AR

Complaint narrative:
In 2014, my now ex husband and I purchased a home in Arkansas with the knowledge of foundation work being done prior to us moving in and with the knowledge of there being a warranty. I found out that the warranty expired in XXXX of this year. The home is now sinking. We have multiple cracks, some wider than others. One end of the house has dropped almost 3 inches. The other end inside the garage has started to split in multiple places and also inside our laundry room located on that end as well. We have contacted multiple companies and received estimates on how much it would cost to repair and the amounts are in the thousands which we do not have. I have contacted my mortgage company to file for a lien release so we can give the home back and just move out but was told that they could not do that due to the company not wanting to take the loss. The damage to the home is slowly getting worse and the mortgage company doesnt care. My complaint is the mortgage company is refusing to work with us on this issue and as stated above its getting worse and my husband and I do not make enough to cover it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: MD

Complaint narrative:
The accounts below do not belong to me. They must be removed immediately. I asked the credit bureaus to furnish proof, provide my signature on any of these loans and they still have not. By continuing to report this they are arresting my ability to maintain employment and conduct commerce. I will file a lawsuit if they do not remove these items IMMEDIATELY! 
XXXX XXXX  XXXX XXXX XXXX - Balance : {$91.00} Opened : XX/XX/XXXX ; XXXX XXXX XXXX - Balance : {$53000.00} Opened : XX/XX/XXXX ; XXXX XXXX XXXX - Balance : {$3600.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX - Balance : {$1300.00} Date Opened : XX/XX/XXXX ; XXXX XXXXXXXX XXXX - Balance : {$1600.00} Date Opened : XX/XX/XXXX ; XXXX XXXX  - Balance : {$100.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX - Balance : {$5000.00} Date Opened : XX/XX/XXXX ; XXXX - Balance : {$250.00} Date Opened : XX/XX/XXXX ; XXXX XXXX - Balance : {$1100.00} Date Opened : XX/XX/XXXX ; Chapter XXXX Bankruptcy - REMOVE IMMEDIATELY Date Opened : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The accounts below do not belong to me. They must be removed immediately. I asked the credit bureaus to furnish proof, provide my signature on any of these loans and they still have not. By continuing to report this they are arresting my ability to maintain employment and conduct commerce. I will file a lawsuit if they do not remove these items IMMEDIATELY! 
XXXX XXXX  XXXX XXXX XXXX - Balance : {$91.00} Opened : XX/XX/XXXX ; XXXX XXXX XXXX - Balance : {$53000.00} Opened : XX/XX/XXXX ; XXXX XXXX XXXX - Balance : {$3600.00} Date Opened : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX - Balance : {$1300.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX XXXX - Balance : {$1600.00} Date Opened : XX/XX/XXXX ; XXXX XXXX - Balance : {$100.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX - Balance : {$5000.00} Date Opened : XX/XX/XXXX ; XXXX - Balance : {$250.00} Date Opened : XX/XX/XXXX ; XXXX XXXXXXXX - Balance : {$1100.00} Date Opened : XX/XX/XXXX ; Chapter XXXX Bankruptcy - REMOVE IMMEDIATELY Date Opened : 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 non-monetary relief