vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-11 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX criminal trespassing XXXX  XXXX XXXX XXXX attacking Homeowners Homeownership At XXXX XXXX XXXX. XXXX, Louisiana XXXX XXXX office of Public Affidavits And XXXX XXXX XXXX And Boarder protection Fraud Alerts Serving Federal Civil Rights Notice Lawsuit to XXXX XXXX, XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX . Louisiana XXXX eviction notice verification of Family Administrators funding XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX impacted XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX Company 's Response We have confirmed that we are not responsible for the actions of XXXX XXXX XXXX XXXX and the XXXX XXXX Soft Mortgage program, therefore we can not respond to the issue regarding the advertising of XXXX XXXX in order to profit from the home ownership program. Chase was not involved in the application, processing, underwriting, or closing of your loan. The original lender was XXXX XXXX XXXX XXXX and the loan originated on XX/XX/XXXX. On XX/XX/XXXX, we acquired the servicing of your loan in good faith, and we relied on the loan documents as proof that you understood and agreed to the terms presented. Also, we never serviced the loan for the address of XXXX XXXX XXXX, XXXX, LA XXXX, so we can not respond to the allegations of illegally being evicted. Weve enclosed the following documents : Note Mortgage Good Faith Estimate Loan application HUD-1 Settlement Statement Truth-in-Lending Disclosure The servicing of your loan transferred to XXXX , IXXXX, on XX/XX/XXXX. Weve enclosed a reprinted version of the letter we sent to you on XX/XX/XXXX, to explain this. Your new servicer will answer any questions you have about the current status of the loan. You can contact the servicer at : Mail : XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : XXXX Weve carefully reviewed the history of your loan and we have confirmed that we were consistent with our lending guidelines. We didnt find any instances of unfair tactics or attempts to deceive you regarding your loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 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:
We purchased items from XXXX XXXX XXXX and took advantage of the offer of free financing for a period of years. This required us to get a branded XXXX XXXX XXXX credit card issued by XXXX XXXX. We immediately set up automatic bank drafts to make the required monthly payments. We even made the payments two weeks before the deadline. After the 1st payment was made, we received multiple phone calls from XXXX XXXX indicating we were late in payment. We ignored the first month 's phone calls thinking that they had made a mistake. We then made our 2nd required payment and despite that, received a new set of phone calls the next month. We then spoke with representatives at XXXX XXXX who advised that they had made a mistake and that our account was, in fact, current and up to date. They removed the interest fees and late charges that were incorrectly placed on our account at that time. A few months later, we started getting more calls about how we were late with payment again. Once again, we spoke with Synchrony 's customer service people and were told the messages were in error. 

In an attempt to stop this from happening again, we made two extra installments on the account so that even if their system did not reflect a payment from us ( despite us sending it to them at least a couple of days before it was due ), they would then apply one of those payments. Needless to say, that hasn't happened. 

Just last week, i received another notification from XXXX XXXX that our account is delinquent and that I owe all of these additional charges to include late fees and interest payments. I can provide you a record of all the payments that have been made to XXXX XXXX which will show how the bank has accepted all of these payments well before the payment deadline and in amounts greater than what was required. 

It is our opinion that Synchrony does not want us to pay the item off in the allotted time with no interest in that they will make much more money if the account is not paid on time. Clearly, there is fraudulent misrepresentations and intentional and material fraudulent accounting. Looking at other complaints on the Internet, this is clearly a pattern of fraudulent activity on behalf of Synchrony to illegally generate fraudulent fees and revenues from consumers who pay their bills on time.

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 2018-11-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
We were on a second payment plan with Wells Fargo Home Mortgage. Our first one we had a problem with someone hacking our bank account and causing our final payment to bounce. Our home preservation specialist at the time a gal by the name of XXXX XXXX was not able to get her manager to extend that final payment and we started another payment plan for three months starting in XXXX. We then had to be transferred to a new home preservationist by the name of XXXX XXXX XXXX. XXXX is a far cry from XXXX in that XXXX will not get in touch with us if a problem arises that we could have fixed. After we made the final payment on the plan on XX/XX/XXXX, we received an email asking for a call. Called her back on the XX/XX/XXXX, and this was one of the few times that were able to speak directly with her. On other occasions could not get in touch until sent a bit of an angry email to her regarding how the payment plan was going to be paid each Friday at a branch. Feel like that Wells Fargo put us with a home preservationist to only have us fail in our attempts on the payment plan. On XX/XX/XXXX gave Ms. XXXX a payment of {$20.00} and at that time was told to expect paperwork for what happens next. Said paperwork was not received and then get email from her stating Wells Fargo had denied our request. Email made no sense and in that we never made any request for assistance. Explained that no paperwork had been sent back in an email that no paperwork was ever received and to explain. Still have not received paperwork or new paperwork about being denied either. Can provide all receipts that show that the payment plan was paid in full and that the {$20.00} was also paid. This is a second complaint have filed over this problem and no one at Wells Fargo will address our concerns only send letters stating need more time. They are setting us up for a fail in our minds.

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 2018-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
back on XX/XX/XXXX we discontinued our cell phone service with XXXX  and from XX/XX/XXXX to XX/XX/XXXX i made payments to pay off the bill.i should of owed {$110.00} according to my records and attempted to pay them at the end of XX/XX/XXXX.talked to several people to try and make a payment but no one could find me in the system. finally using my social a guy was able to open up my account. he told me that my balance was paid and thats why i wasnt in the system.i told him i thought i still had a balance and he said if he finds anything other then what he told me, he will call or mail me.so now 4 months later out of the blue i get a collection notice from a place called XXXX.i called them right away on a friday evening and explained to them the above. they said send them a dispute letter, you have 30 days. i sent out the dispute letter 2 days later.maybe even one day later. i also called the 3 credit bureaus and asked if they had anything with XXXX, either opened, closed, late.they said absolutely no.i then called XXXX. i was transferred at least 6 to 8 times. no one would address this. finally a woman in the retention dept told me that its hard to find anything because someone sent it to XXXX.she did say however she is showing 4 lines were paid up and that the other has a {$100.00} to {$140.00} balance.i told her thats what i had but was told i owed nothing. i asked another manager for a copy of the phone conversation i had in november and he said hed call me back.never did.so now 7 months later, without even any notice a place called dci consultants puts a derogatory remark that i owe them {$630.00} for XXXX.i got an alert and my score drops 45 points. XXXX never called me back to tell me if they disputed my dispute. since 7 months went by i assumed they and XXXX were satisfied with my dispute.dci never once contacted me to see what was going on.they must of known they were the second ones trying to collect a paid debt but didnt seem to care.either that or XXXX lied to them.never sent me a letter or call to explain to them or dispute this once again which i shouldnt have had to.they just went ahead and blatantly puts this on my reports. i have disputed this with 2 credit bureaus, XXXX XXXX, and also a dispute letter to dci was mailed onXX/XX/XXXX.im including the XXXX notice from them and my last statement i ever received from XXXX. it might be hard to read because i put all my confirmation payment numbers on it since it was all i had. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I believe that someone went into my locker and stole my credit card. I have charges on my card that sum up to {$960.00} which I there is no way they should be able bill me for because it wasn't me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-11 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: CITIBANK, N.A.

Complaint narrative:
I have had numerous issues with Citibank failing to apply my payments to my credit card. As I live in XXXX at present, they have only one mechanism for accepting my payments -- XXXX XXXX XXXX XXXX. Most recently, I sent a XXXX XXXX XXXX XXXX Payment on Friday, XX/XX/XXXX. These payments take 15 minutes or less to send from XXXX to Citibank. However, Citibank regularly fails to promptly apply these payments. This has resulted in late fees that I have had to fight on numerous occasions in the past, when my payment is sent and received, but never applied by CitiBank. 

I contacted Citibank again today regarding Friday 's payment, and they stated that have " no record '' of a pending payment. They have made notes in my account, but I am not confident that this will be the end of the problem. 

I am exhausted from dealing with this issue. I do not want to ruin my credit score, but I am not feeling safe sending them money when they so regularly try to claim I did not send it. Each time, after hours of fighting with them and mountains of evidence that I have to collect and send them, they finally admit that it was an error on their end. I should feel safe sending money to a credit card company ; what is happening right now is no less than attempted theft.

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 2018-11-11 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Chase XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   criminal trespassing XXXX XXXX XXXX XXXX attacking Homeowners Homeownership At XXXX XXXX XXXX. XXXX, Louisiana XXXX XXXX office of Public Affidavits And XXXX XXXX XXXX And Boarder protection Fraud Alerts Serving Federal Civil Rights Notice Lawsuit to XXXX XXXX, XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Louisiana XXXX eviction notice verification of Family Administrators funding XXXX in the oaks of the XXXX XXXX XXXX and XXXX XXXX XXXX impacted XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX Company 's Response We have confirmed that we are not responsible for the actions of XXXX XXXX XXXX XXXX and the XXXX XXXX Soft Mortgage program, therefore we can not respond to the issue regarding the advertising of XXXX XXXX in order to profit from the home ownership program. Chase was not involved in the application, processing, underwriting, or closing of your loan. The original lender was Chase XXXX XXXX XXXX and the loan originated on XX/XX/XXXX. On XX/XX/XXXX, we acquired the servicing of your loan in good faith, and we relied on the loan documents as proof that you understood and agreed to the terms presented. Also, we never serviced the loan for the address of XXXX XXXX XXXX, XXXX, LA XXXX, so we can not respond to the allegations of illegally being evicted. XXXX enclosed the following documents : Note Mortgage Good Faith Estimate Loan application HUD-1 Settlement Statement Truth-in-Lending Disclosure The servicing of your loan transferred to XXXX XXXX XXXX, on XX/XX/XXXX. Weve enclosed a reprinted version of the letter we sent to you on XX/XX/XXXX, to explain this. Your new servicer will answer any questions you have about the current status of the loan. You can contact the servicer at : Mail : XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : XXXX Weve carefully reviewed the history of your loan and we have confirmed that we were consistent with our lending guidelines. We didnt find any instances of unfair tactics or attempts to deceive you regarding your loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.

Complaint narrative:
I contacted Citibank regarding my credit card today, XX/XX/2018 to resolve a payment issue. 

The customer service representative told me that he noticed I had not used my card in quite some time, and that I would need to use it or they would have to close my account. I explained that I have had numerous payment issues and disputes, and that because it is so difficult to make my payments from XXXX ( where I now live ), that I would not be using my card. He again stated that he was encouraging me to do so to prevent the card from being closed. I stated that I felt he was being dishonest, and told him that I did not believe it was true that my account would be closed if I did not use the card. When he did not respond at all, I then asked if it was true. He quickly changed the subject and refused to return to a discussion about his earlier statement. I let him know that it is highly unethical to pressure someone into using their credit card when all they want to do is pay it off, and asked if he felt that was ethical. He refused to answer the question, and again changed the subject and avoided the topic. 

I am highly concerned about practices like this. I have a high balance that I have been paying double the required payment on for quite some time. It is obvious that I am working hard to pay off my balance. Pressuring me to add to that balance, and lying in order to try to convince me, is highly unethical.

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 2018-11-11 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: FL

Complaint narrative:
I opened accounts with XXXX XXXX XXXX XXXX XXXX in XX/XX/2018 to help increase my available credit and lower my utilization on my credit reports as I am trying to repair my credit. I pay a monthly fee for both in exchange for on time payments being reported to the credit bureaus. Both companies operate from the same address and phone number and report their accounts under the name of XXXX XXXX XXXX. The account numbers on their websites do not match the account number listed on my credit report. I have not had any late payments of 30 days or more on either account, only 3 and 5 days late. I received a notification from my credit monitoring service on XX/XX/2018 that my XXXX XXXX account had late payments reported and that I owed a balance of {$60.00}. I paid off this account on XX/XX/2018 and had a XXXX balance showing on my online account. I did not have any other charges until I called customer service on XX/XX/XXXX to renew my account for {$150.00} and discuss the late payment. I talked to XXXX XXXX who verified that their accounts are reported under XXXX and told me that they had a glitch in their system that was reporting false late payments and I was not the first person to call about it that day. She advised me to send her an email to XXXX with proof of the late payment and she would forward it to tech support to correct the issue. I sent the email but did not receive a response so I called customer service again on XX/XX/2018 and was told to send an email again to XXXX XXXX  XXXX and the issue would be corrected for the next reporting date at the end of the month. When it did update, they only changed the status to pays as agreed but did not remove the late payment or update my balance. I filed a dispute with Equifax on XX/XX/2018 for the late payment and incorrect balance and received the results on XX/XX/2018. According to Equifax, everything was verified on the XXXX and they did not remove the late payment or update the balance to {$72.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Upon checking my credit report, I found a collection account from Phoenix Financial Services. 

I have not received any contact from PFS in reference to this matter, either my phone, email, or US Mail. I do not owe any debt, and have no knowledge of ever doing business with PFS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I recently filed Complaint No. XXXX. The response received from PennyMac was inaccurate. The response suggested that I did not provide instructions as to how additional monies should be applied to my account. This statement is untrue. I have spoken with multiple representatives throughout the duration of my loan and it has been suggested that a code would be applied to my account. Furthermore, the representative who responded to Complaint No. XXXX also suggested that she would speak with her Billing department to ensure that all payment overages were applied to the principal mortgage balance. 

Notably, I recently remitted a payment and the overage in the amount of {$88.00} was not applied to the principal balance. Please review the attached screenshot for confirmation. This is becoming extremely annoying always having to follow-up and ensue that my payments are applied to my loan properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XX/XX/2018 XXXX reported my account as delinquent for a mistake in the system regarding a typo of my bank checking account number. I was not aware of delinquency until it became late. I called XXXX   and was guaranteed by representative that the account would be corrected and no negative information would show. I made a large payment of {$250.00} in an agreement to bring account current. I was told that my account was current and in good standings. I have never been late with any of my account and I have paid off three vehicle loans. My credit was perfect until XXXX  went against our agreement, to remove all negative reporting, due to a computer error. My credit history shows that I am a worthy responsible customer with an impressive credit history .I have disputed the error with XXXX on two occasions, both times denied correction. I have disputed with XXXX three times, and each time XXXX completes the dispute within a few days. XXXX also does not delete the negative remarks, I find it difficult to believe that my dispute was handled correctly in a fair fashion. I submitted documents, that I believe were not reviewed, it seems like my dispute was handled by an automated system, that just denies the consumer AUTOMATICALLY. I asked for deletion of negative reporting with all three bureaus. I am reaching out for assistance as I believe I was treated unjustly and unfairly and basically lied to. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
Waypoint resource group put a negative on my credit without sending me a bill for the correct amount owed How can I pay a bill if I do not know what the amount I owe is

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My card was used to withdrawal funds without my authorization.

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