vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
My loan was sold to Shellpoint Mortgaging earlier in 2018 and my escrow included property taxes and home owners insurance. However, now that my annual XXXX payment for home owners is due, Shellpoint " has no record '' of that money. They tell me I am responsible. I checked with my previous loan servicer and they were able to prove that they transferred the loan and escrow correctly ( it is included in my monthly mortgage payment ). They admit fault but are " trying to get to the bottom of where the mistake is ''. In the meantime of them trying to figure out how they XXXX  up, my insurance goes unpaid. So it doesn't get cancelled, I pay. So now, I'm double paying in order to be safe and cover myself. They still have yet to pay my insurance and I absolutely can not get through to them via customer service line ( it just rings and then hangs up ... only when I'm not being sent through a survey / sweepstakes for XXXX XXXX XXXX is that??! ). I am so angry that they " lost '' {$1200.00} and I'm not having to double pay. This is absolutely fraudulent activity and I've been dealing with this issues since XXXX!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Called to have the bankruptcy removed from all three reports it should have been removed after one year it's been 2 years and it's effecting me negatively.

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 2018-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I opened my account with Care Credit/Synchhrony in XX/XX/XXXX. I used it to cover the cost of XXXX  I had the following month. I was given a brochure at my doctor 's office and applied on-line. It was as easy as could be. I applied for a line of credit totaling $ XXXX and to my surprise, I was notified immediately, after hitting send that I was approved. A credit card was later sent to my home. I was never required to talk to anyone from Care Credit at all. I enrolled in paperless billing and every month I received a notification that my bill was due. I paid the amount requested each and every month on time. I got my balance down to just over $ 10K, but this month, I got a notification, as I always did, but the current balance was back up over $ 12K. I called to inquire. The IVR is terrible and it takes forever to get to a representative. Even when you say representative, the IVR asks to describe why. When I would say something, the IVR would say that it wasn't enough information ... .terrible! I got a representative who advised that the two promotional periods on my account had expired without me paying the full amount owed, so all the deferred interest was added on. I had no idea what she was talking about. She stated that my doctor should've explained it to me. It is completely ABSURD that a healthcare provider would be required to go over any financing conditions with their patients, when the financing is with CareCredit, not the doctor. This is Care Credit 's responsibility, as I am entering into a contract with THEM!! I called the next day and spoke to a supervisor. I offered to pay the balance in full, if they took off the deferred interest, but she said there was nothing she could do. I did end up doing just that - paid $ XXXX last week. I found that XXXX Care Credit was ordered to pay {$34.00} XXXX back to customers for deceptive practices and the terms of that lawsuit back in XXXX. It states that any line of credit more than $ 1K, requires a Care Credit representative to talk to the consumer. A $ XXXX line of credit granted immediately on-line! Too good to be true! I never got any reminders or any notifications that the promotional periods were ending. NOTHING!! Again, I enrolled in paperless billing and listed on the email was current balance, minimum amount due and due date. There should be something in RED on that notice about the promotional period ending. It is deceptive and unfair. I am an accountable person, but this is sneaky business. I am requesting that the deferred interest be removed from my account. 

Thank you!

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 2018-08-28 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/2018 a charge appeared on my credit card from XXXX XXXX for purchase of 2 basketball tickets. I did not make this purchase nor did my husband. I contacted Chase to report the incident. They were helpful and removed the charges pending investigation. There was also an attempt at another unauthorized charge that Chase did deny. I checked my email and found the 2 basketball tickets in my inbox. I tried to contact XXXX XXXX  but was held on the line for too long. I deleted the tickets from my inbox without downloading them. 

In mid XXXX I was contacted by the fraud department at Chase for a conference call with XXXX XXXX. XXXX XXXX claimed the purchase was legitimate because the purchaser had used my correct address, phone number and email address and the tickets were sent to me. According to XXXX  XXXX the tickets were never used. I have no proof that I did not make this purchase but XXXX XXXX has no proof that I did. As I deleted the tickets I have no information on who I supposedly purchased them from. XXXX XXXX said they would contact me via email within 48 hours with additional information. I did not hear back from them.

Chase fraud department has decided that the charge was legitimate and is demanding payment and charging me late fees and interest. I have closed my Chase account that I have had for 15 years. This credit card I have used exclusively for internet shopping and keep in my home. I have had previous unauthorized purchases made but had no problem resolving the issue. 

I contacted XXXX XXXX in mid XXXX to find out if they had any additional information. I was told that the matter is still under investigation. 

I can not think of how anyone would benefit from this fraud other than the tickets may have been counterfeit or the motive was to access my other financial information. 

Do I have any recourse? am I liable for the {$160.00} charge for the tickets? am I liable for penalty and interest?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: Senex Services Corp.
State: LA

Complaint narrative:
I Sent several letters to Senex and XXXX stating that I did not owe Senex or XXXX   XXXX Hospital XXXX dollars. I disputed the debt and I requested that Senex and XXXX   investigate the matter and remove off my credit. I requested a copy of the application and any documents with my signature to validate the debt. I have sent letters but did not get any responses to my request. NOTHING. This has been going on for more the 5 months. 

1 ) They failed to respond within 30 days ( it has been more than 5 months ) 2 ) They failed to provide any documentation ; 3 ) Senex gave me at of Service date of XX/XX/XXXX ( 6 ) yrs old beyond the state of Louisiana ( 3 ) year statue of limitation 4 ) XXXX XXXX Parish Hospital is closed down since XXXX 5 ) Senex does not Respect the Law

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I received a letter about a debt from a CitiBank credit card, which I have never owned nor opened. It was called a XXXX Anywhere Card by Citi, and was used at a XXXX Maryland XXXX. 
The billing address I found out is a pizza place in XXXX, Va. I am quite upset that Citi allowed a card to be opened without my correct address in XXXX Va that I have been at for 6 years, and without letting me know that this card was approved. Upon calling Citi and asking what happened, they transfered me to a collection agency, XXXX XXXX XXXX , XXXX That agency immediatly strated trying to get payment, and would not listen to my explaination. When asked why I was transferred to them, they said Citi had sold them the debt. They are not pleasant and forcefully told me I was being recored and wanted payment. This is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28 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: ERC
State: VA

Complaint narrative:
while checking my credit report with XXXX i noticed an account that stated that i was derelict in the amount of {$640.00} but was a balance of {$0.00} as present.i have no knowledge as to where this comes from. i have never had any relationship with 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 2018-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
They called me last week and when I answered, I told them to do not call me anymore and to send something in the mail. I have yet to receive anything and they keep calling from multiple numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA

Complaint narrative:
Good Afternoon, I have a personal loan with One Main Financial. I stopped making payments for a couple of months due to my financial situation. Ever since then I they have been calling and harassing me at my job every single day! I have told them numerous times to call me on my cell phone if they need to reach me and they still keep harassing me at work! Our calls our monitored and if they keep calling I could be terminated. 

Thanks, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Its been brought to my attention, that theres been false allegations, debit collection practices that are now, known to be of a violation within the Fair Credit Reporting Act. Companies by the name listed ; XXXX XXXX XXXX, known as collections. Bank Of America, known as another creditor. All parties and credit bureaus were contacted, on several occasions, in regarding the alleged accounts listed. There was a noncooperative response from all parties, whom disregarded the request for validation, not verification ; letters which was delivered and received. XXXX XXXX XXXX, for the amount of {$500.00}, merchant XXXX XXXX and Bank Of America, for the amount of {$1400.00}. Theyve all been contacted, via certified mail, several times and failed to provide validation, only thing received was amounts that is claimed to be owned, which theres been a request to delete it off my credit report and name completely. These false marks has been negativilty impacting my life and kids, hurting my ability to not only gain credit but the credit ability to open 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 2018-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was put in collection around XX/XX/2017, by XXXX for the amount of {$69000.00} which XXXX XXXX issue payment for the amount of {$6500.00} and XXXX amount was {$2100.00} payment in full by XXXX, my ex- husband XXXX XXXX took the checks for his own personal use which he admitted taking the money, I had giving all divorce documentation to both doctor 's court order on XX/XX/2017 my ex-husband shall be solely responsible for repayment of both of these debts and shall indemnify and hold me harmless with regards to this debt I forwards this papers to XXXX XXXX XXXX, I tried to purchase a house and I cant because I'm in collection in the 3 bureau and my credit it getting damage because of this. Please see attached proof from the lawyers and court.

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 2018-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: MD

Complaint narrative:
Calls multiple times a day, never leaves a message, never names who they are looking for or what the debt is. Refuses to mail me proof a debt is owed, ( I have nothing in collections. ) Really just needs to stop. If something is in collections is owed, report it, and mail proof, not call XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: LA

Complaint narrative:
I Sent several letters to XXXX and Experian stating that I did not owe XXXX or XXXX XXXX Hospital XXXX dollars. I disputed the debt and I requested that XXXX and Experian investigate the matter and remove off my credit. I requested a copy of the application and any documents with my signature to validate the debt. I have sent letters but did not get any responses to my request. NOTHING. This has been going on for more the 5 months. 

1 ) They failed to respond within 30 days ( it has been more than 5 months ) 2 ) They failed to provide any documentation ; 3 ) XXXX gave me at of Service date of XX/XX/XXXX ( 6 ) yrs old beyond the state of Louisiana ( 3 ) year statue of limitation 4 ) XXXX XXXX XXXX Hospital is closed down since XXXX XXXX ) XXXX does not Respect the Law

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 2018-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MN

Complaint narrative:
I attended college and within a few years was working for the XXXX of MN. After several years of government employment it was made aware by the State that student loans could qualify for PSLF. I applied and was surprised to learn i really only had two option for repayment under this plan.. each option would increase my payment by 300 %?? I have been working for the XXXX for 10 years and repaying with standard repayment. I requested on several occasions a " credit '' of some sort for the past 10 years of public service from XXXX XXXX. The response was no credit and i needed to change my payment ot income based thus increasing my payment again by 300 % and not paying the loan off any sooner ... feeling scammed by a " public service '' for my public service ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below, which are inconsistently reported : 30 days late as of XX/XX/2016 on XXXX and 30 days late as of XX/XX/2016 on XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: PA

Complaint narrative:
I just learned that this is ILLEGAL in Pennsylvania. My interest rate is phenomenal and paying it off is killing me. Is there any recourse as it is ILLEGAL to recuperate the monies I have paid in to them over the past year+?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I mailed XXXX XXXX  a check for {$550.00} to cover the cost of my XXXX XXXX XXXX Credit card. The account # is XXXX. XXXX XXXX  processed by check and have yet to send me a receipt or send the 3 Credit reporting agencies this information. I have disputed this with the 3 Credit reporting agencies as well. Providing them with substantial documentation. Yet, all parties involved have updated this information for my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I HAVE SENT MULTIPLE LETTERS AND PROOFS TO EQUIFAX TO UPDATE MY CURRENT ADDRESS AND REMOVE OLD FRAUDULENT ADDRESSES THEY HAVE REFUSED TO DO SO. I HAVE NOTIFIED THEM THAT MY CURRENT ADDRESS IS XXXXXXXX XXXX XXXX XXXX MI. XXXX. I HAVE ASKED THEM TO REMOVE ALL OTHER ADDRESSES AS THEY ARE INVALID AND FRAUDULENT THEY HAVE REFUSED TO DO SO. THEY ARE LEAVING THIS INFORMATION ON MY RECORD LEAVING MY OPEN TO BECOME A VICTIM OF IDENTITY THEFT ONCE AGAIN

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My student loan was with Wells Fargo starting in XX/XX/XXXX. My story about dealing with Wells Fargo is long and troublesome, but in short, suffice it to say I could never get the same answer. 

At the time I was working full time ( and part time in the XXXX XXXX reserves ). In XX/XX/XXXX I lost 33 % of my income and had just discovered I owed back taxes. When deferment ran out I was unable to make full payments. Wells Fargo refused anything but full payment. The IRS and XXXX warned their payments take priority. 

Wells Fargo finally charged off the account, offering settlements. Since I gave ever last XXXX of savings to the IRS, I told them I just want to make partial payments for now and then payments in full when I can. Again, they refused and did so each time after. They demanded payment in full, around $ XXXX. 

Before I XXXX in XXXX and knowing I would have my security clearance renewal, which this would jam me up for, I contacted Wells Fargo and offered again to set up payments and told them I will seek tort relief if I lose my reserves job because they refused to set up a payment plan. They again refused. 

When I returned from XXXX I was one more tax return away from paying the IRS in full. Before I could call them they called me back and offered settlement. I told them all I ever wanted to do is meet my obligation to my original contract. I couldn't do that at first but then I could. It was early in XX/XX/XXXX. 

They accepted and I've been making those payments monthly ever since.However, my credit report doesn't show I'm making payments and merely continues to show charge off each month. Every time I do anything requiring a credit check - including employment ( which I was denied consequently ), I have to explain this. 

I contacted an attorney ( XXXX, XXXX and XXXX, XXXX ) and sent them a letter, and also challenged their reporting at the credit bureau. 

All I want is for my credit report to show I have been making payments never late since XX/XX/XXXX. Wells Fargo refuses.

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