vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
Purchased home  XXXX / XXXX / XXXX  Escrow - {$490.00} monthly payment  XXXX  Escrow Annual amount analysis Escrow - {$490.00} Monthly  XXXX  Escrow Annual amount analysis Escrow - {$540.00} Amount that is being pulled on monthly statement {$600.00} Misappropriations of escrow transactions TILA Z Regs.     This increase for  XXXX  escrow was not calculated correctly or appropriately. They are miscalculating amount needed to pull for all monies due. There is no disclosure agreements of increased amounts. I will be disputing the amount of tax increase as well. Lender can not arbitrarily increase and pull escrow monies.     I called several times and wrote a letter to resolve this matter with no resolution. Their calculations are way off. I will agree to a mutual increase because of the tax increase however, the increase they are pulling is without agreement is out of reach and they are pulling more than they notified me of.     Your attention to this matter is going to be important as there will be a filing of a law suit complaint if there is no mutual agreement in amounts  and TILA Reg Z prot ections have been broken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX / XXXX /  XXXX    XXXX   XXXX   President and CEO  , Wal-Mart Stores , Inc.       XXXX   XXXX ,   XXXX    Wal-Mart/SYNCB   XXXX   XXXX   XXXX   XXXX , GA  XXXX  Attention : Credit Car d Services ,  XXXX   XXXX   XXXX   XXXX   XXXX , AL  XXXX   XXXX   XXXX   XXXX   President and CEO, Wal-Mart Stores , Inc.      Please be advised that I am reporting Wal-Mart/Synchrony Bank to the Better Business Bureau due to the claims of not receiving my payments that are received by Synchrony  Bank on behalf of Wal-Mart, and then the Wal-Mart account shows delinquent on my account, Synchrony Bank call center ( out of US juris diction and no one at this center answers the phone for months ) sends annoying calls to me ( when I have paid my account online ) stating that the my account is closed due to delinquent payments. This act on the part of  Walmart/Synchrony Bank represents a scam to confuse the customer ( s ) online who has paid on time and can not determine as to where the payments are received when paid online by the customer ( s ). My account is closed, but the Better Business Bureau needs to investigate matters of this type to stop the harassment made by Synchrony Bank on behalf of Wal-Mart or vise versa profiling and selecting zip codes to be sent out of the United States where the likelihood of reporting this profiteering by Wal-Mart/Synchrony B ank.     Thank you.    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 2017-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Business and Consumer Solutions.
State: TX

Complaint narrative:
I was contacted by this collection agency via telephone and I advised them this debt was disputed as it is not mine. I 've never had an account with XXXX XXXX XXXX, XXXX and this debt is not mine. I have sent them via certified mail the documents showing his debt was a result of identity theft, but they continue to attempt collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: DE

Complaint narrative:
Convergent attempting to collect a debt for {$5100.00} acct    XXXX  from a previous fraud account dating back over 10 years disputed with original creditor and violates my rights under Fcra and Fdcpa and the statute of Limitations and i request a  Cease and desis t on a collections from this Fraud 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 2017-05-20 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: NJ

Complaint narrative:
I have sent documents numerous times to Equifax, XXXX, and XXXX and they still refuse to correct my credit reports. The following Loans have been off since XX/XX/XXXX and the reporting agencies refuse to update my credit reports. The following loans appearing on my credit reports have been paid in full on XX/XX/XXXX : 1. XXXX - account numberXXXX amount paid {$2200.00} 2.  XXXX - account numberXXXX amount paid {$5400.00} 3.  XXXX - account number XXXX amount paid {$5500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 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: NJ

Complaint narrative:
I have sent documents numerous times to  XXXX , Experian, and  XXXX  and they still refuse to correct my credit reports. The following Loans have been off since  XXXX   XXXX ,    2017  and the reporting agencies refuse to update my credit reports. The following loans appearing on my credit reports have been paid in full on  XXXX   XXXX ,  2017 :  1.  XXXX  - acc ount number  XXXX  amount paid {$2200.00}  2.    XXXX  - accou nt number-  XXXX  amount paid {$5400.00}  3.    XXXX  - account number  XXXX  amount paid {$5500.00}

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 non-monetary relief
Consumer complaint received 2017-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: TX

Complaint narrative:
Enhanced Recovery Corp h as Re-aged original  XXXX  debt that is noti  e to  begin with.  XXXX  resold account after failure to verify account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In  XXXX   XXXX  the servicer increased my monthly mortgage payments. This created a financial hardship on me because prior to that the servicer increase my mortgage payment from {$1200.00} to {$1400.00} and then to {$1600.00} a month. The servicer claimed each time there were billing or escrow errors that caused the increase. The servicer now have filed for foreclosure on my home despite me requesting to have the loan reinstated. To date I have paid all of the money that is requested on the reinstatement calculation. In the reinstatement calculation the servicer added foreclosure fees, title fees and foreclosure attorney fees even though I have not be served with foreclosure documents nor have I been to court. I also received an incorrect payoff statement from the servicer and as a result on  XXXX / XXXX / XXXX  I sent a written request for a " Qualified Written Request '' stating that their  may  be errors in the handling of the servicing of my loan and calculations which have caused me to default on my mortgage. To date the lender has not responded or sent any acknowledgement that they are in receipt of my QWR. I have the tracking proof that they received it. I believe the servicer  may be in violation of the RESPA in regards to the Qualified Written Request rules.

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 2017-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Care Credit has  two accounts on my credit report listed as closed one showing sold for profit loss and one showing {$370.00} past due and {$710.0 0} is the current balance due. My credit report was pulled and it shows  XXXX  accounts open months within each other with a {$800.00} credit limit. I called care credit and asked for a layout and what all services was these accounts used for. They stated they was both sold to a third party so they can no longer communicate on that account. I sent a letter asking for validation for both accounts. Never received an answer. I then did a dispute with  XXXX   XXXX  on  XXXX   XXXX ,2017. On    XXXX   XXXX  2017      XXXX   XXXX  says my dispute is closed and the account is accurate and I am responsible. Now my credit report has been updated and now showing as a open account on my credit report with a past due balance and 87 % credit utilization and the last  three m onths with missed payments. I have created a second dispute which is now pending for another 30 days.

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 2017-05-20 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
On  XXXX   XXXX ,  2017  at  XXXX , central time, I sent a multiple inquiry dispute letter to Equif ax to  dispute  XXXX  hard inquiries that was being report. Equifax received the letter  XXXX   XXXX ,    2017  and complete the process on  XXXX   XXXX ,  2017 ! How can Equifax complete a thorough investigation by contacting all  XXXX  companies, getting their paperwork WITH MY signature, because I have n't applied for credit, employment, or insurance and make a decision  in ONE DAY? I received the same response for all  XXXX  hard inquires, which was, " inquiries are a factual record of files access.   If you believe it 's unauthorized contact the creditor. '' According to the FCRA rules, 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and must be investigated and if you do n't investigate and respond the credit reporting agency,  which is Equifax, must remove the disputed information from it 's files. The fact that Equifax came to a conclusion a day later, one can only assume that their was no investigation to any of these  XXXX  hard inquires. I will upload supporting documents below showing the date when the dispute was received and the letter from Equifax with the date the lack of investigation was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I got  Macy 's  store card in  XXXX  and made purchases on  XXXX   XXXX  and  XXXX . The credit card arrived late and I could n't make the payment. However, after lot of struggle, I was able to reach th e Macy 's   customer service personal who activated the card for me and then made the payment. This was on  XXXX   XXXX . I asked to pay all the bills in the account.     To my amazement  , i got another bill for  XXXX  and I tried several times but I could n't add my card. I reached out to Macy 's customer service via  XXXX  who promised me that someone will call and reach out to me but that never happened. When I tried calling their customer service, I was asked to create paybyphone account.
Now that I have crossed the deadline, I am getting charged late fee and it will hurt my credit score. I do n't need Macy 's credit card and all i want is to pay the fees and get done with it.
The coat I bought from Macy 's still has the security pin in it. When I reached out to them, they have said no for return. As I am traveling and in  XXXX  now for school, I am unable to go to my local store to get the pin removed. I do n't know if the actions are intentional because I am   XXXX   XXXX   or not. I have spent hours trying to resolve this issue.

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 2017-05-21 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: NY

Complaint narrative:
I have sent three certified letters to Equifax,  XXXX , and  XXXX  informing them that there are accounts reported on my credit file that belong to a person with a different name. Somehow my credit file got merged with someone with the last name  XXXX . My last name is and has always been  XXXX . I have called every week to all  XXXX  agencies and have removed  XXXX  addresses,  XXXX  phone numbers,  XXXX  social security variations and several employment references that were not mine. There were  XXXX  collection accounts reporting that belong to someone else and also a public record. There are student loans, accounts from  XXXX   XXXX   XXXX ,  XXXX   XXXX   ( w ho does not have a license to collect debts in N Y )  and  XXXX  which belong to another person. I have demanded that all these accounts be removed from my credit file immediately and the credit bureaus are not conducting independent investigations and are not removing these inquiries and accounts that are not mine.   How can a debt be verified as mine and it is not even my name nor referenced to my identifying info like my address? I have been diligently working on this sinc e  XX/XX/XXXX .      Equifax is refusing to remove the name  XXXX  from my credit files and has my real name listed as an alternative name. I have sent them a copy of my driver license, birth certificate and social security card proving that my last name is  XXXX  and I have asked them to remove  XXXX  and any references to that name and accounts under that name from my credit file and they have refused to do so. This has been ongoing fo r five mo nths and I am at a loss as to what to do. I have disputed these erroneous reports and information and they just do not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I went to Wells Fargo to refinance my debts because I had lost my job and my income had substantially decreased. Instead of consolidating my debts they convinced to take out a new credit card. They told me to put down my previous income ( I was unemployed ) and the loan officer said " Because your probably going to find a job soon ''. My debt continued to get worse and worse and then they gave my son a credit card saying I could use that too. All together I think I had 6 Wells  Fargo bank accounts and three credit cards. When my debt finally got to be more than I could handle, I could no longer pay. Then Wells Fargo sued me in court. I could n't afford an attorney so I attempted to represent myself. Now my credit is destroyed and I 'm starting all over again. <P/>I wish they had just helped me refinance my debt.

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 2017-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Express Recovery Services, Inc.
State: CA

Complaint narrative:
On or about  XXXX  I contacted _express recovery__. Regarding a debt I was told I had on my credit report. They said it was a medical bill I received while visiting utah, during  XXXX . I had insurance at that time that paid my medical expenses. I told the woman the report said I owed {$2.00}. She stated I owed due to interest. I told her I would pay the original amount only due to the fact I just became aware the insurance had not completed payment. She said she would settle for half the interest if I sent the check. I needed verification and did not receive any. Later on in  XXXX  I received a call stating I owed and I told her of the phone call and agreement I told her to speed the process send letter via email. The woman accused me of knowing about debt and i said ye s 2 week  's ago when i called. When I opened the email today  XXXX   XXXX  the payment agreement was not what was told to me. It did not disclose the original debtor, or the amount on my report.She had tried to say the payment plan was due the same day as the letter and I was to pay the balance of interest. NOT THE AGREEMENT I MADE! The letter does not state an account number.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-21 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: NY

Complaint narrative:
I have sent three certified letters to  XXXX , Experian, and  XXXX  informing them that there are accounts reported on my credit file that belong to a person with a different name. Somehow my credit file got merged with someone with the last name  XXXX . My last name is and has always been  XXXX . I have called every week to all  XXXX  agencies and have removed  XXXX  addresses,  XXXX  phone numbers,  XXXX  social security variations and several employment references that were not mine. There were  XXXX  collection accounts reporting that belong to someone else and also a public record. There are student loans, accounts from  XXXX   XXXX   XXXX ,  XXXX   XXXX  ( who does not have a license to collect debts in NY ) and   XXXX   which belong to another person. I have demanded that all these accounts be removed from my credit file immediately and the credit bureaus are not conducting independent investigations and are not removing these inquiries and accounts that are not mine.   How can a debt be verified as mine and it is not even my name nor referenced to my identifying info like my address? I have been diligently working on this sinc e  XX/XX/XXXX .       XXXX  is refusing to remove the name  XXXX  from my credit files and has my real name listed as an alternative name. I have sent them a copy of my driver license, birth certificate and social security card proving that my last name is  XXXX  and I have asked them to remove  XXXX  and any references to that name and accounts under that name from my credit file and they have refused to do so. This has been ongoing  for five mon ths and I am at a loss as to what to do. I have disputed these erroneous reports and information and they just do not care.

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 2017-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have sen t three certif ied letters to   XXXX   XXXX    and TransUnion informing them that there are accounts reported on my credit file that belong to a person with a different name.  Somehow my credit file got merged with someone with the last name  XXXX .  My last name is and has always been  XXXX   I have called every week to a ll three ag encies and have removed  20 addresses, 17 phone numbers, two social security variations and several employment   references that were not mine.  There w ere 39 collecti on accounts reporting that belong to someone else and also a public record.  There are student loans, accounts from   XXXX   XXXX   XXXX   XXXX   XXXX   (who does not have a license to collect debts in NY) and   XXXX   which belong to another person.  I have demanded that all these accounts be removed from my credit file immediately and the credit bureaus are not conducting independent investigations and are not removing these inquiries and accounts that are not mine.
  How can a debt be verified as mine and it is not even my name nor referenced to my identifying info like my address? I have been diligently working on this since  XXXX   
  
    XXXX   is refusing to remove the name   XXXX    from my credit files and has my real name listed as an alternative name.  I have sent them a copy of my driver license, birth certificate and social security card proving that my last name is  XXXX  and I have asked them to remove  XXXX  and any references to that name and accounts under that name from my credit file and they have refused to do so. This has been ongoing for five months and I am at a loss as to what to do. I have disputed these erroneous reports and information and they just do not care.

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 2017-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: UT

Complaint narrative:
I sent my regular payment of  XXXX  in which was not enough due to increase our on escrow. We did not recieve notification of what the new payment would be from the mortgage servicer. Af ter speaking to Ditech the mortgage servicer they would n ot reverse the late fee of  XXXX  and refuse to follow up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation