vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have sent numerous certified letters t o Portfolio Recovery Associates LLC t o   XXXX   XXXX     XXXX   XXXX , VS  XXXX  requesting verification of debt. I request my contractual agreement bearing my signature. Letters was sent on  XXXX / XXXX / 2017 ,  XXXX / XXXX / 2017  and another certified letter on  XXXX / XXXX / 2017 . I have been a victim of fraud before this is why I have request my contractual agreement from this company to verify this debt belong to me. They refuse to send this agreement bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Recently became aware of a credit card with td bank that was opened in my name by my sister and her husband. The account is past due and affecting  credit score  because both my sister and her husband were killed in an auto accident so nobody is making payments on it anymore. This is how i became aware of the account by getting phone calls about a past due account. Spoke with banks fraud department and informed them that I knew the individuals that opened and were using the account but that I did not open or use the account and they requested a statement as well as the death certificate of my sister which I faxed to them. After 2 weeks never heard back from them and called them again to get the status and was put on hold for over 30 minutes and when the rep returned she simply told me that the account had been closed and when I asked what that meant I was not given any further information. I assume they are refusing to assist with this fraudulent account since they would not say anything more other than the account was closed and there was nothing they were obligated to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
A dr bill submit ted for collections from  XXXX ,  XXXX . I appealed this bill wit h   XXXX   si nce I do not owe this mone y.   XXXX   initial  response is that I owe the bill, but I have the right to appeal for further reconsideration which I did with  XXXX  on  XXXX   XXXX ,  XXXX . My reconsider was accepted and This bill is now under a reconsideration appeal with  XXXX  and until it is resolved, all collections must be halted. I notified IC that   XXXX   has accepted my reconsideration appeal and they are in process of making a determination as to whether I owe this bill. I Notified IC Systems many times about the appeal and asked them to please not file with credit bureau any negative information about this bill, until this bill is resolve d with     XXXX   as to whether I owe it. ( letter attached, sent in additio nal to all the phone calls ).  XXXX   XXXX ,  XXXX  I received a response to my many calls via letter continuing to threatening me and disregarding the fact that this bill is in reconsideration appeal wit h   XXXX  Please note what the letter states ( I have attached a copy ) : " IC Systems sends a weekly electronic file to credit reporting agencies listing debts that are unresolved and unpaid 45 days after IC began collection efforts. '' " Your dispute has been noted and information verifying the debt is attached to this letter ''. Also note that they attached a payment stub for me to pay this bill even though they have full knowledge of the appeal. I consider this letter a threat.   This company is deliberately disregarding my appeal information which was sent to them. They are threatening me with credit bureau even though at this point it is unresolved by   XXXX   as to whether I owe this bill.   I called IC on  XXXX   XXXX  to again state that this bill is under Appeal and I was told I would be faxed some information about what actions they will take, which has never been faxed.   The bill owed is {$110.00} and I am elderly o n   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 2017-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I signed up for a Care Credit card to help pay a   XXXX   bill and was told that it was interest free for 6 months. I was not made aware that my interest accumulated the whole 6 months and I would be charged a lump amou nt. Im young and I do nt know much about credit cards, I feel I was completely taken advantage of.

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 2017-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
On  XXXX / XXXX /   17  I spoke with a representative of the company who would not provide their name upon request. I simply asked to not be contacted as the debt in question is time barred and out of statute. The representative would not provide their name and indicated they would only honor a cease and desist request in writing. Upon my repeated requests to have my account marked cease and desist the representative transferred me to a supervisor. Upon speaking with the supervisor I was advised that the debt is indeed out of statute but that my verbal cease and desist request was insufficient and I would need to submit the same in writing. Additionally all other inquiries I made were met with a response that I can check online resources.     Prior communication had resulted in a hostile phone conversation wherein the representative refused to provide his name as well and became aggressive upon my advisement that I would be terminating the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hello, I am having a problem wi th Wells Fargo Dealer Services ( my  car loan ). Around  XXXX  of  2016  I became unemployed. Therefore, I was having problems making my payments. I calle d WellsFargo Dealer Servic es and explained to a representative that I was unemployed and needed help making my payments. The representative stated that they could set up a payment arrangement. I was told to make my  XXXX  payment in  XXXX  parts. My monthly payment is {$440.00}. Therefore, we agreed that I would pay {$220.00} in  XXXX  and {$220.00} in  XXXX . I made my payments accordingly. They, however reported me as " late '' to the credit reporting agencies. This is unfair because I was never advised that though they set up a payment arrangement, they would still report me " late '' to the credit agencies. I spoke with a Supervisor at  Wellsfargo Dealer Services and also sent them a letter asking that they correct the problem. They refused to do so.

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 2017-05-16 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:
Recently became aware of a credit card with   XXXX   XXXX    that was opened in my name by my sister and her husband. The account is past due and affecting  credit score  because both my sister and her husband were   XXXX   in an   XXXX   XXXX   so nobody is making payments on it anymore. This is how i became aware of the account by getting phone calls about a past due account. Spoke with banks fraud department and informed them that I knew the individuals that opened and were using the account but that I did not open or use the account and they requested a statement as well as the   XXXX   XXXX   of my sister which I faxed to them. After  2  weeks never heard back from them and called them again to get the status and was put on hold for over  30  minutes and when the rep returned she simply told me that the account had been closed and when I asked what that meant I was not given any further information. I assume they are refusing to assist with this fraudulent account since they would not say anything more other than the account was closed and there was nothing they were obligated to do.

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 2017-05-16 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: FL

Complaint narrative:
Recently became aware of a credit card with   XXXX   XXXX    that was opened in my name by my sister and her husband. The account is past due and affecting credit score because both my sister and her husband were   XXXX   in an   XXXX   XXXX   so nobody is making payments on it anymore. This is how i became aware of the account by getting phone calls about a past due account. Spoke with banks fraud department and informed them that I knew the individuals that opened and were using the account but that I did not open or use the account and they requested a statement as well as the   XXXX   XXXX   of my sister which I faxed to them. After  2  weeks never heard back from them and called them again to get the status and was put on hold for over 30 minutes and when the rep returned she simply told me that the account had been closed and when I asked what that meant I was not given any further information. I assume they are refusing to assist with this fraudulent account since they would not say anything more other than the account was closed and there was nothing they were obligated to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: FL

Complaint narrative:
Recently became aware of a credit card with   XXXX   XXXX   that was opened in my name by my sister and her husband. The account is past due and affe cting credit score because  both my sister and her husband were   XXXX   in an   XXXX   XXXX   so nobody is making payments on it anymore. This is how i became aware of the account by getting phone calls about a past due account. Spoke with banks fraud department and informed them that I knew the individuals that opened and were using the account but that I did not open or use the account and they requested a statement as well as the   XXXX   XXXX   of my sister which I faxed to them.  After 2 weeks never heard back from them and called them again to get the status and was put on hold for over 30 minutes and when the rep returned she simply told me that the account had been closed and when I a sked what that meant I was not given any further information. I assume they are refusing to assist with this fraudulent account since they would not say anything more other than the account was closed and there was nothing they were obligated to do.

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 2017-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consolidated Recovery Group, LLC
State: NV

Complaint narrative:
There is a collection on my credit that does n't belong to me How do I dispute/ prove that it 's not mine?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Hello, I am  XXXX  and receive  XXXX  from Social Security. Due to financial hardships as of late, I can no longer paymy car as I use. I am months behind. And I thought I would have been able to be done paying this car loan by now but I have not been able to. The car has developed lots of issues, in which I have been paying to get fix. My  XXXX  source of income is Social Security, in which I get {$1100.00} a month. I pay {$600.00} towards rent and take care of my grandson. I use to have {$260.00} saved every month to put towards my car but for the past month I have been having lots of issues. I have spend over {$3000.00} on fixes on the car, money I do not have but have been borrowing to get the car fixed. I have had to pay this debt. And it maybe in vain since this car payment is so far behind, it has been marked for repossession.     I wrote a complaint before about charges I did n't understand from  Santander an d trying to see where I am in my payments. I do not have acess to online to track my payments etc ... I would like access. I would like to figure out payments and work a deal. This is my only means of transportation. Being that I have no credit or means of getting another car. My birthday is  XXXX   XXXX  this month and I would like that as a gift if we could work something out and I get to keep my car as a gift. As of today, I am so far behind, I know I wo n't be ablt to catch up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: NE

Complaint narrative:
In  XXXX  of last year we were offered a " strea m Line  '' loan modification of our mortgage ; we had gotten behind on some of our payments because of some health issues my wife and daughter were having. They originally told us this would lower our monthly payment and would keep us from falling further behind. The agreement was we would pay {$890.00} fo r Three m onths then the loan modification would go though with our new payment. That would mean at the beginning of this year we should of had our new payment and been on a regular Mortgage. Unfortunately this has not been the case. I have had to call in my payments for the last 7 months which have caused me to inadvertently miss a payment . Ditech the  loan company has given me the run around for the last 5 months saying paperwork is on its way, or underwriting is behind or it was already mailed out. now the latest is well you missed a payment in   XXXX   so now we do n't know if you will get the modification, after we had been told for months the paperwork is already processed. I am so frustrated, the rep. even told me to just sell my house, I honestly do n't understand why they are treating us like this. We just want our modification done so it reflects right on our payments and then we can clean up our credit. I also wanted to mention that they sent a rep to our house at about  XXXX  at night while I was at work, when I confronted them about it they said it was n't them but it was   XXXX   XXXX   just checking to see if anyone was still living there, when would another lending company do that? so much miss representation.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FC HoldCo LLC
State: NJ

Complaint narrative:
Was a victim if fraud in our bank account and due to that had a returned payment. Left messages for the account  manager  and sent emails and no ine has gotten back to me. Everytime i call in they just tell me to pay in full or my car will be repossessed.

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 2017-05-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On  XXXX   XXXX ,  XXXX  I entered a grocery store that had an inside  Wells Fargo Branch.  I closed my WF HSA account, Ref. #  XXXX , and received the {$18.00} remaining balance.   As of  XXXX   XXXX ,  XXXX  I do not have an insurance plan that offers an  HSA, an d would not be making any further deposits.     On  XXXX   XXXX ,  XXXX  I received an overdraft notice of {$11.00} dated  XXXX   XXXX ,  XXXX  from  XXXX . When I spoke to  XXXX   XXXX   XXXX   on  XXXX / XXXX / XXXX ,  XXXX  stated that my account had been transferred to  XXXX  the next day or  XXXX   XXXX ,  XXXX . My first question is why would  WF t ransfer a closed account to a second bank? My second question is why did it take 7 months to let me know there was an overdraft issue?     When I take the next step to complete my complaint, the  HSA c hoice is not there to submit the problem to be addressed. Another banking shell game ... '' '' guess '' who is responsible and we 'll let them know they are in error ''.

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 2017-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
Although I have explained to   XXXX   XXXX   that I do not have an account  with Mariner Finance and s he should stop contacting me and is harassing me, she has failed to furnish me with proof of an account as required by law, conducted   XXXX   credit inquires of my credit report u nlawfully without my authorization, and continued to call me at least 23 times each one  unlawful.   XXXX   XXXX   works fo r Mariner Finance ,   XXXX    XXXX   XXXX   XXXX   XXXX ,  XXXX  PA  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 2017-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP
State: OH

Complaint narrative:
I purchased my home  XXXX  of  XXXX  for  XXXX . Due to my divorce in  XXXX  I discovered my ex wife did not make mortgage payments for 6 months. I filed a Chapter  XXXX  and caught up with my mortgage payments. Within the last 9 years my mortgage payment never been 30 days late. A few months back I asked  Keybank for a payment history since the life of the loan. Keybank charged me {$30.00} which is illegal! I recently asked KeyBank for a payoff of my home. Keybank sent me a payoff of approximately {$77000.00}! My problem is this, in 18 years of paying Keybank o nly {$3000.00} was applied to my home loan!! This is considered  Predatory Lending in the State  of Ohio. My payoff is {$37000.0 0}!! Keybank also refuses to acknowledge my excellent payment history with all   XXXX   credit reporting agencies. I am enclosing all proof to my claim against Keybank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: SC

Complaint narrative:
In  2013  a fraudulent account was opened in my name through  XXXX   XXXX . I have never had  XXXX   XXXX  service only  XXXX   XXXX   XXXX  I spoke with  XXXX   XXXX  and advised of the fraudulent this account was sold to  XXXX  different collection agencies all disputed and removed. Once again this fraudulent account is being reported on my file attached is my records of each removal. I am  XXXX   XXXX   XXXX   XXXX  not  XXXX   XXXX   XXXX  not any other  XXXX . This needs to be permanently deleted and not be able to be applied back to my credit reports over and over again this is damaging to my excellent credit history. I do not o this 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 2017-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On   XXXX   XXXX   XXXX     while reviewing my account with  Bluebird ( American Express )  I noticed a few transactions that I did n't authorize a ATM withdrawal of {$320.00}, an online purchase from  XXXX  of {$1.00} and an online purchase from  XXXX  for {$50.00} with all atm fees it totaled to be {$380.00} in unauthorized charges, I contacted  Bluebird via letter as in structed and immediately canceled my card. On   XXXX   XXXX   XXXX     at  XXXX  I recieved an email stating Hi  XXXX   XXXX   , We received your dispute for the transaction below and are currently investiga ting it. Well send you another email with in 10 business day s with more information, including whether or not were able to credit you for the charge.     Disputed Transaction Details : Transaction at  XXXX    XXXX   XXXX   Amount {$320.00} TransactionDate   XXXX     Questions? Call us at  XXXX  were available  24/7.      Thanks, The  Bluebird Team T han on   XXXX   XXXX   XXXX     at  XXXX  (  1 minute  later ) I received this email.   Hi  XXXX   XXXX , Recently you inquired about your charge  ( s ) from your American Express Prepaid Card in the total amount of {$380.00}. Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized. Therefore the transaction ( s ) is not eligible for credit to your Account.      You have the right to review any documents we relied upon in making our determination.      You may request this information by writing to us at the following address : American Express Attn : Account Protection Service MC  :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , UT  XXXX  Thanks, The  Bluebird Team Than on    XXXX   XXXX   XXXX     at  XXXX  Hi  XXXX   XXXX    ,   During a recent review of your Account, we noticed activity that was in violation of the  Bluebird Memb er Agreement, section :  22D Due to the violation  your Account has been locked and your Account privileges have been suspended.     If you have any questions, please call Account  Protection Services  at  XXXX .     Thanks, The  Bluebird Team They did n 't investigate in less than a minute, and would n't give me a reason as to why it was n't even looked into.

Company response to consumer: Closed with explanation