vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I checked my balance to confirm my payment and saw the minimum was much higher due to a late fee. Upon checking I saw my normal electronic payment went through a day late, and I am not sure why. Either way, I called as having great credit history and the card for over a year, I requested they reverse the fee. They refused. I asked why, they said the statement was already generated. I told them their interest rates were already among the highest in the market to show some courtesy to a good customer, they said " no ''. I am stuck with a higher payment, my balance has barely gone done in over a year even paying more than the minimum and I can't this albatross out of my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: NJ

Complaint narrative:
I went to the car dealership on yesterday and they denied me. I really thought they were just hassling me around so I went to my bank to apply for a car loan and they denied me as well. I pulled a copy of my credit and there are some items on there thats not mine. I've contacted the FTC and the police. I'm doing this on my own behalf. XXXX XXXX, XXXX and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I am writing about an account from Midland Founding, account XXXX opened on XX/XX/XXXX claiming a balance of {$1100.00}. Midland is a debt buyer, they claim this money was owed from an old XXXX XXXX credit card. 

On XX/XX/XXXX Midland funded attempted to sue me in XXXX Municipal Court, case XXXX, but the case was dismissed on XX/XX/XXXX when they could not prove to the court that I owed the debt. This can be verified by looking up the case at XXXX XXXX XXXXXXXX I notified both credit bureaus in writing of the dismissal. XXXX removed the account from my file right away, but XXXX would not because they say that Midland confirmed to them that I still owed the debt even after I showed them proof that their claim had been dismissed in XXXX Municipal Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I received a garnishment summons around the XX/XX/XXXX from ASSET ACCEPTANCE LLC   COURT FILE NUMBER XXXX XXXX Virginia Court. for {$860.00}. I called this company before my first payroll check was to be garnished on XX/XX/19. I was told I didn't owe that amount instead I was told I owed {$490.00} which I paid the full amount that day with debit card XX/XX/2019 Withdrawal Debit Card MIDLANDCREDITMANAGEMNT - XXXX CA DateXX/XX/19 XXXX XXXX XXXX XXXX {$490.00}. I asked how long it would take for them to send a release to the court so my check wouldn't be garnished and was told they didn't know. My usual take home pay isXXXX. On XX/XX/19 my payroll check was for the amount of {$930.00}, {$350.00} garnished. My next payroll check XX/XX/19 {$930.00}. So far {$700.00} mind you I paid this debt off on XX/XX/19. As of today XX/XX/19 my payroll department has not received a release from the court to stop garnishing my checks. My next payday is XX/XX/19 and if nothing is done they will garnish that check to. 
The wonderful people at MIDLANDCREDITMANAGEMNT told me I would be reimbursed for the amount taken out of my check after debt was paid. I don't belive they will reimburse me unless some type of legal action is taken against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: NJ

Complaint narrative:
I went to the car dealership on yesterday and they denied me. I really thought they were just hassling me around so I went to my bank to apply for a car loan and they denied me as well. I pulled a copy of my credit and there are some items on there thats not mine. I've contacted the FTC and the police. I'm doing this on my own behalf. XXXX XXXX, XXXX and 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 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I got a phone call from XXXX from this number ( XXXX ) -XXXX-XXXX on XX/XX/2019 he  would not tell me his business and kept on asking me to verify my social an birthday and he had already knew my information without me even sayin so he asled if it was correct and i said his information was incorrect not to call me ill report him.Than i wake up to my credit karma being XXXX in collections. Im applying for home today i had XXXX credit yesterday and now i have bad credit i want them investigated for fraud. i havent been able to even start my own credit and now i cant even get accepted into a home for my children because of this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It is my understanding there are heavy storms and even possible Tornadoes in the Texas area so I understand there might be a delay in getting a response to my credit disputes ... but I have been disputing the information with Experian for the past 6 months. I am a little flustered that I have submitted in documentation to Experian such as a police report and a fraud affidavit and they continue to report unknown account entries in my file ... .. some accounts say they have been written off but fail to show the amount they have supposedly been written off for. I have several names and social security numbers in my file and I have provided them with my DL, social security card, passport and birth certificate and the fraudulent/unknown information remains. I don't understand the point in disputing information if no one is going to assist you. I will be filing a law suit if the following accounts are not removed by XX/XX/XXXX. I have given them apple enough time to correct the errors. XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX Experian Report Number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Recently it has come to our attention that our student loan through Wells Fargo has been increasing the amount of our remaining loan principal despite making payments monthly. The initial loan amount for one of the loans was {$17000.00} and that went into repayment on XX/XX/XXXX. The interest rate on this loan is a variable interest rate and is currently at 11.24 % interest. However, in nearly 7 years of making payments the balance on the loan as of the last statement for XX/XX/XXXX is {$17000.00}. We believe that this is a result of predatory lending. On the statement it even shows that we have paid a total of {$20000.00} with {$6000.00} of that supposedly going towards principal. 
Our second loan also went into repayment on XX/XX/XXXX but that initial loan amount was for {$8000.00}. The variable interest rate on this loan is currently 5.25 %. As of the XX/XX/XXXX statement it has said that we have paid a total of {$5800.00} with {$3300.00} of that being principal. However the remaining loan principal on this account is {$6100.00}. 

We believe that both of these loans were included in the XXXX predatory lending case, but were never sent any information about a class action. 
Wells Fargo will not talk to us as the primary acou t holders and ONLY contact the co-signers. 
Just going off of simple math, we shouldnt still have balances that high.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: CA

Complaint narrative:
Good Afternoon, i first noticed that i had a collection open with Hunter Warfield, i contacted them what it was about and i was told that it was from a broken lease, and i replayed that i didnt terminate a lease with XXXX XXXX, and didnt renew my lease. i requested a copy of the claimed lease and they couldnt provide it. i asked if paying this would delete the collection from my account several times and every response was a blank message. can you please assist me with this, when i moved out of my apartment at XXXX XXXX XXXX, i was served with an evition notice either pay in 3 days or return keys. i returned my keys to the office in the drop box. i have attached a communication log from hunterand warfield i have attached the resaults of the dispute that says it was sent to the credit beaus for deletion and the communications with the company that states they dont have a copy of the lease. they also claim they sent a notice if they did i didnt recieve it to dispute this. and oboviously it wasnt certified letter so they cant prove it was signed for upon reciept

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
This account is a credit card that belongs to my mother in law. Sometimes i handle her affairs on my own credit card but she offered to add me as an authorized so she wouldn't have to reimburse me. I asked her if the balance was below 30 % ans she said yes as she just paid it down. Upon her adding me a return check was issued which took the balance over 30 %. Shes elderly and forgot to change the bank. once she noticed that she immediately paid back what was returned for the payment that didn't go through. Unfortunately the account is now showing on my report as high usage and my mortgage broker is having a fit because i settle on my home next week. I sent over a request via all three credit bureaus but no one is responding. Please do not ignore my request as this urgent to fix the balance as a courtesy. Shes elderly and didn't mean to do this as this was her first time making this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
In XX/XX/2019 I applied for a mortgage modification due to storm damage and negative equity ( the mortgage is {$170000.00} and the accessed value is {$74000.00} ). 
I have been unable to rent the property to cover the mortgage amount due to the falling values of property in my area. 
I requested an exception for a forth modification but it was denied. 
A principle reduction and modification would enable me to keep the home I have had for 25 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2019 I reported 16 fraudulent debit card transactions made using my Debit Card to Citibank. I was provided Dispute ID # XXXX. On XX/XX/2019, I received provisional credit for 16 of the 18 transactions. I also received a letter in the mail on or about XX/XX/2019 advising me that the transaction for {$540.00} was provisionally credited to my account pending final disposition of the investigation. However, I never received any such provisional credit for {$540.00} despite what the letter from Citibank stated. I have followed up multiple times with the Citibank Disputes Department and have requested to speak with a US-based supervisor on three separate occasions. On all three occasions, the supervisors stated they would send an email to the back office requesting that this error be corrected and that the credit be applied to my account. As of todays date, this has not occurred. Citibank has represented to me information that is false and misleading. Moreover, Citibank has passed the 10 business day deadline to apply the credit to my account. While provisional credits are at a banks discretion, it is noteworthy that Citibank did apply credit for 16 of the 18 transactions, sent a letter advising that the transaction for {$540.00} was credited, and subsequent follow up has failed to remedy this error. 

It is completely unacceptable for a bank to advise of an action that has not occurred and then fail to perform the action stated therein.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: Ocwen Financial Corporation
State: NY

Complaint narrative:
Owcen mortgage continue to report information to credit bureaus past legal reporting period as per New York State.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I applied and was approved for a Barclays Aviator Business credit card on XX/XX/2019. The account was approved and I received and activated the card. The card was locked due to business verification purposes upon receiving the card, and I have not been able to use the card. I called Barclays 's Fraud Department, who requested business verification documents for the card. I would have no issue with this if this business verification was performed before the account was approved. However, the account has been approved, the annual fee has been charged, and the promotional sign up bonus time period ( spending a certain amount within the first 3 months of account opening ) has begun, all while I am unable to use my card. Over a week ago, I faxed in an IRS form for my business to verify my business. However, it is now XX/XX/2019 and the Fraud Department has stated that the document is still being reviewed and they have no idea when the review process will be completed. 

My issue is that this business verification process should have been completed prior to approving my application for a credit card. Instead, it is being requested after Barclays approved the account and are charging the annual fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
The company is trying to collect on a debt from XXXX XXXX. The account in question was terminated years ago due to the service being extremely poor and not being able to make calls in my area or really have in service at all. XXXX was communicated with several times to fix the issue and it went on for months and they still didn't fix it. I had no choice but to end my service I wasn't able to use my phone without calls dropping. I told them if they didn't fix the issue that I would be terminating my contract. Now they are trying to collect on early termination fees and for a service I couldn't use. This isn't fair and I would like this off my credit immediately. I am searching my emails to find the old chats between me and customer service filled with complaints for the horrible service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Conn's, Inc.
State: TX

Complaint narrative:
company keeps increasing the balance on the account causing my credit score to decrease, stating that interest is applied monthly, daily, and once over the course of the loan. 
ive attempted to call and ask why this happens but no-one can provide an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This refers to the IDnotify service provided to me by Experian after the recent XXXX security breach. They advertise on their website that they will provide up to {$1.00} XXXX in identity theft coverage if necessary. I phoned them earlier today and was told that this coverage is not provided. I mentioned that is is clearly advertised on their website and not offering it is an act of internet fraud. I attempted to obtain help with this after XXXX XXXX XXXX filed a lawsuit against me as an act of debt collection, which is not only a violation of my rights as a consumer, but it was also filed using a mailing address which I attempted to remove from my credit files 2 years ago and longer. I tried in good faith to resolve my debt issues with XXXX XXXX XXXX several times and was told this address was part of an investigation by one of their service people. Using an illegal address to attempt to collect a debt is not only an illegal act of identity theft, but not being able to resolve it through one of the major credit reporting services leaves me with no option but to report it in this manner. XXXX XXXX XXXX closed both of my credit accounts after an attempt to repay the debt through a debt consolidation service failed to get them the money I had paid on time. I canceled the debt repayment plan and they closed my accounts as a result. I am still unable to repay the debt at this time and using a false identity to collect it is clearly wrong. After more than 30 attempts to get legal assistance with this over a period of five years, all of which failed, I have no other option to file this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Professional Finance Company, Inc.
State: NM

Complaint narrative:
( from XX/XX/XXXX to today ) XXXX XXXX XXXX did not have all of my invoice covered by insurance. Apparently, they tried to bill me but kept sending the bill to the incorrect address even though they had my mailing address on file. They did not email nor call me to inform me that an amount was outstanding rather they turned it over to a collection agent Professional Finance Company. They have my phone number and email, they just chose not to use it or the correct address. I have applied for a mortgage and this small charge of {$150.00} has reduced my credit score from the 800s to the 600 's which will end up costing me tens of thousands in additional interest. 
The actions were negligent, irresponsible and uncaring and I have to pay the price. As soon as I learned of the bill I paid it immediately ( today XX/XX/XXXX ) but they should be responsible for the unfair and bad trade practice and to pay for the additional funds that I will have to pay on my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief