vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-07 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am complaining about an XXXX XXXX  Mastercard In XX/XX/XXXX I was charged {$69.00} without my permission for a service I did not ask for. 
I immediately contacted the credit card and informed them. They cancelled the card and sent out another with a new number, and they said that they would initiate a dispute. 
Two months went by and I was not contacted at all by phone or by mail despite them having assured me that I would be, so in late XX/XX/XXXX I called them again to inquire about the progress of the dispute. 
At first the representative said that they saw no evidence that a dispute had been initiated but after I insisted on speaking to a manager they found the dispute and said that no one had begun to work on it yet but that it would be initiated at that moment. They said to call back in two weeks. When I asked them for some type of confirmation number for proof that the dispute has indeed been initiated they said that they have NO confirmation number, but that I would be receiving a letter from them within ten ( 10 ) days confirming the dispute. 

Today, XX/XX/XXXX I called back again to check and see what's going on because I had not yet received any letter about the dispute. 
At first I was told once again by the representative that they could not see where a dispute had been initiated, so after requesting to speak to a manager they were finally able to see the dispute.

They said ( once again ) that they would be sending a letter about it's progress and that I would receive it within ten days. 
They also said that I DON'T have to make payments on the disputed amount while it's under dispute, but that on the credit card 's website it might show as late payments when the due date, which is the XX/XX/XXXX of every month, passes, but that I should not worry about it because they would " take care of it ''. 
Why can't they freeze the payments so that during the dispute they don't get reported as late like EVERY OTHER competent credit card company does?? 
Their inability to see the dispute at first every time I call makes them appear very incompetent and is to me a reason for concern, as I have IMPECABLE credit that can easily be verified. 
Since they HAVE NOT sent me any letters pertaining to this dispute as they promised more than once that they would the only document that I have to upload is a " Summary Of Account Activity '' that shows as the balance the disputed amount

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 2019-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Credit card company is holding me responsible for spousal identity theft committed by my ( now ) ex-spouse. Spouse got a Barclay 's Visa XXXX Rewards card on XX/XX/XXXX, without my knowledge or consent, a month after I filed for divorce and fled our abusive home. I initially noticed the card I didn't recognize when I looked at my credit report in early XX/XX/XXXX. I immediately contacted Barclays and the said they would get back to me. They never did. Purchases to the account were made during this time and after, but I never received bills or statements or were aware of them in any way. The divorce was final XX/XX/XXXX. 

In the midst of a difficult divorce, I did not follow up until XX/XX/XXXX when I received a letter in the mail from Barclays stating what they did with my information. I called them immediately, stating this was identity theft ; it was not my card and I have never had an account of any kind with them ; they opened a fraud investigation. Despite sending them police and FTC reports, Barclays ended the fraud investigation once I said I recognized the name of my spouse. However, he had never been an authorized user or in any way listed on the account ; I was the only name on the account. Despite this, all the contact information they had ( email, phone number ) was his. Prior to my contacting them in XX/XX/XXXX, I had never received a statement -- they were paperless, sent to the thief 's email. This violates the Fair Credit Billing Act.

Since we were still married at the time the card was opened, they are holding me responsible for everything. Barclay 's says no signature was required to open the account so I can't claim he forged my signature. What about all the fraudulent purchases made, was my forged signature required then? While I think my ex should be held responsible, I also am in no way responsible for this identity theft. I have closed the account but I know that fees and interest are building and threaten to negatively impact my 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 2019-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Innovis
State: OH

Complaint narrative:
In XX/XX/2018 I was in the market to purchase a home. I shopped around and purchased my home in XX/XX/2018. A credit company known as CBCinnovis ran a hard inquiry on XX/XX/2018 without my consent. I want this removed off of my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BB&T CORPORATION
State: NC

Complaint narrative:
There was a settlement for this credit card account. This account has been paid and it is closed now. Please remove from the all 3 credit reports immediately.

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 2019-01-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc
State: CO

Complaint narrative:
I had a gym membership with XXXX XXXX and paid the year in full ( including annual fee. ) In XX/XX/XXXX, with no prior notice, the gym closed their doors and emailed the members about having to go to one of their other locations in person in order to cancel. I went to the other location and submitted a cancellation document which stated that we will NOT owe any cancellation fee as they have closed the location. I contacted corporate about the funds due back to me for the months pre-paid - after months of calling and emailing, I finally received a refund of LESS than what was owed to me. I decided to cut my losses and move on - however, today, I received a phone call from XXXX XXXX 's financial services stating that I owe {$49.00} for the XX/XX/XXXXannual fee. I advised them that my membership has been canceled, but after researching, the representative stated that I am still showing as active and that they will send me to collections if it is not paid. I attempted to call the gym, but they have continued to hang up on me. Finally, one of the employees by the name of XXXX advised that she will leave a message for corporate ( a representative from corporate named Dris ) to call me back. She also advised that they are no longer XXXX XXXX as they have been bought out by XXXX XXXX XXXX, so they can not promise to help me any way. 
1. If cancellation was not successful, why was a refund issued to me? ( although it was less than what is owed to me ) 2. It is nearly impossible to ever speak with anyone. They usually will not answer the phone, or if they do, they will hang up immediately, and they never respond to emails. 
3. If they are no longer XXXX, why are they collecting an annual fee for a gym that does not exist? 
4. Per the internet reviews on this gym ( all locations ), it appears that there are SEVERAL people going through the same scenario as I am - including their employees and other contract workers who have completed jobs for their gyms.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The issue is whether Wells Fargo Mortgage has knowingly violated Regulation X with regard to requiring monthly payments to a property tax escrow account, when the relevant property tax has been paid in full for the ensuing twelve-month period.

Relevant law A lender may not require the borrower to deposit in any escrow accountfor the purpose of assuring payment of taxesin excess of a sum that will be sufficient to pay such taxesduring the ensuing twelve-month period ..., 12 USC 2609 ( a ) ( 1 ).

any person that knowingly violates a Federal consumer financial law, a civil penalty may not exceed {>= $1,000,000} per day during which such violation continues. 12 USC 5565 ( c ) ( 2 ( C ).

Facts The facts are established by clear and convincing evidence and can not be reasonably disputed : 1. On XX/XX/XXXX, the borrower requested removal of the property tax escrow, because the property tax for the subject property was paid a year in advance, with no amount due until XX/XX/XXXX.

2. On XX/XX/XXXX, Wells Fargo Home Mortgage received {$2100.00} as payment in full for all amounts due for the property tax escrow account.

3. On XX/XX/XXXX, by letter Wells Fargo Home Mortgage stated We want to fully address your concerns.We now expect to complete our work by XX/XX/XXXX 4. On XX/XX/XXXX, Wells Fargo still requires {$4400.00} with tax escrow instead of {$2900.00}.

Conclusion The facts show that Wells Fargo intentionally and knowingly failed to remove the tax escrow payment due on XX/XX/XXXX, in clear violation of relevant law which prevents requiring the borrower to pay a excess if the property tax due the next 12 months, 12 USC 2609 ( a ) ( 1 ). The applicable civil penalty is {>= $1,000,000} per day of delay, based on the XX/XX/XXXX increase. If Wells Fargo fails to promptly cancel any future property tax escrow payments for our mortgage loan, Consumer Financial Protection Bureau is authorized to impose the maximum civil penalty.

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 2019-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There was a settlement for this credit card account. This account has been paid and it is closed now. Please remove from the all 3 credit reports immediately.

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 2019-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There was a settlement for this credit card account. This account has been paid and it is closed now. Please remove from the all 3 credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There was a settlement for this credit card account. This account has been paid and it is closed now. Please remove from the all 3 credit reports immediately.

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 2019-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
XX/XX/XXXX I checked XXXX XXXX on XXXX  and my score dropped from XXXX to XXXX. It erroneously shows XXXX XXXX  updating a XX/XX/XXXX vehicle showing it was repossed. false it was voluntarily surrendered by me. my credit took an unnessary hit. my credit should be going up not down. i currently lease a XXXX XXXX XXXX with no late payments. Please clear up this unnnecessary confusion and bring my score up to date. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I have been in contact with XXXX XXXX since XX/XX/XXXX when I discovered that my account was listed on closed/charged-off on my credit report and not reflecting monthly payments and the account being open and paid on time. I have spoken to multiple customer service representatives starting in XX/XX/XXXX and most recently on XX/XX/XXXX, in which they have been unable to assist. All of the customer service representatives have stated that my account is current, paid, open, and never been a charge off or repossessed ; even when I escalate it to customer service management. I sent a letter via certified mail to XXXX XXXX in XX/XX/XXXX requesting for the account to be updated on my credit report. On a letter dated XX/XX/XXXX, I received a letter from XXXX XXXX in response to my certified letter apologizing for the mistake and that the account payment history and status would be updated to reflect Current/Open and paid on time ; however, this issue has been yet to be corrected. Most recently upon reviewing my credit report in XX/XX/XXXX, they have shown the account as being closed as of XX/XX/XXXX, which is not true. The account is open and paid as agreed, in which most months I have overpaid to pay down my balance so that I can get rid of XXXX XXXX   altogether and have the vehicle paid off. As the customer service representatives have all stated, this vehicle and my account has never been repossessed nor charged off and the account is open and current. XXXX XXXX is taking advantage of consumers and refuses to correct their errors, only wanting to collect money and not be of any assistance. I also know that I am not the only consumer that has had this error from them, as I have spoken to 25 other individuals that are experiencing the same issues with XXXX XXXX incorrectly reporting to the credit bureaus while their internal systems say otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
On XX/XX/2018 I sent a dispute to XXXX concerning my credit report. The dispute was : 1 ) The personal information reported by this creditor/Debt collector is incorrect.

2 ) The amount allegedly owed of a debt appearing on my credit score is fraudulently incorrect and reported incorrectly.

3 ) My lease was month to month and I had no balance when I moved. This is a retaliation tool used by this debt collector and landlords, to scare renters and block the ability for future rental. This fraudulent amount reports on my credit score for seven years blocking my ability for housing. 

On XX/XX/2018, I called XXXX as I had not been informed of any result of my dispute. XXXX attempted numerous times to get me to say my name was different. XXXX then informed me that they had made a decision to leave the information on my credit score on XX/XX/2018. I asked XXXX if they were going to inform me of their decision. The reply was, " we sent you an email. '' As I had not received any email or letter in the mail, I asked what Government agency I needed to contact for a review of their practices. XXXX informed me, " Consumer Reporting Agency. '' This information was incorrect. I called my local credit union and they assisted me in contacting Consumer Finance. 

I later discovered XXXX give the debt collection company any new information concerning me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-07 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: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/2018 I sent a dispute to Eqiufax concerning my credit report. The dispute was : 1 ) The personal information reported by this creditor/Debt collector is incorrect. 

2 ) The amount allegedly owed of a debt appearing on my credit score is fraudulently incorrect and reported incorrectly. 

3 ) My lease was month to month and I had no balance when I moved. This is a retaliation tool used by this debt collector and landlords, to scare renters and block the ability for future rental. This fraudulent amount reports on my credit score for seven years blocking my ability for housing. 

On XX/XX/2018, I called Equafax as I had not been informed of any result of my dispute. Equafax attempted numerous times to get me to say my name was different. Equafax then informed me that they had made a decision to leave the information on my credit score on XX/XX/2018. I asked Equafax if they were going to inform me of their decision. The reply was, " we sent you an email. '' As I had not received any email or letter in the mail, I asked what Government agency I needed to contact for a review of their practices. Equafax informed me, " Consumer Reporting Agency. ''  This information was incorrect. I called my local credit union and they assisted me in contacting Consumer Finance. 

I later discovered Equafax give the debt collection company any new information concerning me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I closed a USAA credit card account on XX/XX/XXXX after I received the XXXX statement which closed on XXXX/XXXX. This statement included the following : " ... ACCOUNT RENEWAL NOTICE. YOUR ANNUAL FEE OF {$40.00} WILL BE BILLED ON YOUR NEXT STATEMENT. YOU MAY AVOID THE FEE BY CALLING US AT XXXX XXXX XXXX AND CANCELLING YOUR ACCOUNT .... '' I called the number and cancelled the account on XX/XX/XXXX. In early XX/XX/XXXX, I received the XXXX statement which closed on XX/XX/XXXX and which included the {$40.00} which was posted on XX/XX/XXXX. 


On XX/XX/XXXX I spoke with a USAA credit card representative who stated that the {$40.00} fee was unavoidable since I had closed the account 5 days after the fee was posted. 

So it seems I paid a yearly XXXX fee for a USAA rewards credit card, even though I cancelled it in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report from all 3 of the major reporting agencies are being pulled by XXXX XXXX XXXX. Address of the company is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, Phone Number XXXX Per my conversation with them they indicated that XXXX XXXX XXXX requested it and they are just the contracted agency and they work for XXXX. I explained to Mr. XXXX XXXX and others from XXXX XXXX XXXX that neither XXXX nor they had my permission to pull my credit report. 

I have had 4 hard inquires now and it is affecting my credit.

This is FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PlusFour, Inc
State: NV

Complaint narrative:
There is a {$15.00} collection listed through Plus Four, I have never heard of this company, never received anything from them, nor have done business with them nor owe {$15.00} This is a mistake listed on my credit file.

Please help Plus Four XXXX {$15.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I am refinancing my mortgage and Ditech gave a payoff that was good until XX/XX/XXXX which was the day it was funded to them. On today XX/XX/XXXX, they have emailed the Title company stating the payoff was short and by looking at the info they provided and the website with my mortgage information, myself or XXXX XXXX do not understand where the shortfall Ditech is stating came from and we can not get a direct answer from Ditech. 

The Hazard insurance in my Escrow was listed as {$2500.00} which they stated they paid XX/XX/18 and the XXXX XXXX paid the Hazard insurance also but sent a check back to me so it would not be paid twice. 

Do not understand the shortfall they are stating to the Title company of {$1700.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
I received a collection notice from Franklin collections in XXXX Mississippi for an XXXX XXXX XXXX bill that I had disputed. I asked them to turn my phone off and they billed me for two more months. I agreed to pay Franklin collections {$100.00} to settle the debt, {$40.00} on XX/XX/XXXX and {$60.00} on XX/XX/XXXX and they agreed not to report it. No sooner than they got my money they reported it anyway. I held my end of the agreement but they didn't.

Company response to consumer: Closed with explanation