vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This collection agency is on my credit report ruining my good name for debt that was never mine that i do not owe and they refuse to remove themselves.I have explained it wasnt my debt but they ignore me and keep reporting it after many attempts to have this removed. I did not have a credit card or anything. 
account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$800.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: National Credit Services, Inc.
State: NY

Complaint narrative:
I called National Credit Services everyday because I am trying to get in a loan rehab. They keep telling me that they no longer have my account and that the board of Ed do. Call the board of Ed and they keep telling me that they dont have it and that NCS has it. Overall no one seems to help and cant find me and its ridiculous

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 2019-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MN

Complaint narrative:
I didnt not give permission to view or know my personal information to pursue a debt. 

Both debts opened on XX/XX/XXXX. For XXXX and XXXX for st.joseph hospital. Have not lived in florida since XXXX. Which is where the hospital is located.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
The XXXX XXXX XXXX, ( PHEAA ), who use to be my loan servicer for my daughter 's parent or/ & direct plus loan, ( which is my name ), has ordered or hmade my new loan servicer, XXXX XXXX to add the direct plus loans from XXXX XXXX  XXXX XXXX XXXX XXXX added in with the other loans I had consolidated. Problem is that I requested in writing for this not to be done to the XXXX XXXX as well as XXXX XXXX. XXXX XXXX stated via phone conversation that they aren't allow to go against the XXXX   XXXX XXXX  ; however, the XXXX XXXX XXXX  keeps locking me out of my login account with them. This is making it so I am unable to sign in to send them a letter, asking why are they having loans that are in dispute & under investigation, consolidated? 
According to the written instructions even of the " borrower defense refund cancellation form '' dept, they have up to one yea to do an investigation on any case they take Then they any loan amounts in dispute, must be put on freeze! I already contacted the XXXX XXXX XXXX. about this already. Why did they still do anyway .... Oh, sreset my login infor. uso I can request & order for new login ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo contacted me about fraudulent charges on my card. They then cancelled my card and told me they would send a new one. They have not sent a new one and I can not access my account online. I waited for my card as instructed for approximately a month before they called and said I was late on my payment. I paid and complained that they had not sent a card and had not given me online access. They also filed a credit report and hurt my credit and charged a late fee. I paid the owed payments including the late fee even though I felt it was unfair. I have been unable to pay because they changed my account number and have not sent me any information on my amended account. It has been a month or so since and they have still not sent a card and have not given me any online access. They have stopped being helpful on the phone and they are now hurting my credit more.

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 2019-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I never sign a contract with this company I need a legal document that I sign with this collectors. I stated to send me a copy of a contract that I sign and they get mad and use verbal abuse. By law I need them to send me a contract that I sign with this collection company. If they cant provie me with the contract I expect tonremoven feon my credit by law and my right as a consumer.

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 2019-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I was owe Bank of America credit card {$5800.00} I paid off everything before closing date and they charge me interest of {$98.00} but I paid off all the money I owed.

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 2019-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: AK

Complaint narrative:
My husband and I purchased our home located in XXXX, AK for {$230000.00} in XXXX with a {$40000.00} down payment with XXXX XXXX. 
My husband left in XXXX of XXXX. Being a single mother of XXXX children made it impossible to pay the mortgage. XXXX XXXX informs me that they will foreclose on XX/XX/XXXX. 
I filed chapter XXXX bankruptcy in XXXX of XXXX in hopes to keep the house until my children graduated high school. The mortgage was sold to Fay Servicing. 
Fay Servicing modified the loan with promises of making payments affordable on my single parent income. The amount owed on the house at the time was {$240000.00}. The modification rose this balance to {$320000.00}, with no explanation on the {$80000.00} increase. To stay in my home, I made the payments. I have be transferred to 10 account managers in the process, all unable to find documents I had sent many times over. 
My husbands passing, XXXX, gave me the ability to collect social security benefits on my children. This income made it possible to pay the $ XXXX   monthly mortgage payment, otherwise unaffordable. Chapter XXXX was paid in full in the year XXXX. I made payments to Fay Servicing through XX/XX/XXXX. I was unable to afford the {$2100.00} payment each month on a income of {$2000.00} per month. Social Security stopped after my childrens graduation and I was forced to leave the home and live with family. Foreclosure was imminent and I gave up the keys. 
Fay Servicing holds the houses worth at over {$320000.00} not allowing me to sell the home at a reasonable price. This house has been on the market for 7 months without an offer. Fay Servicings service has caused my otherwise very strong credit scores to suffer, making me ineligible to finance a residence for myself. 

Fay Servicing only shows up on one of my three credit scores and there is no reasonable cause for my loan modification to increase by XXXX with the money I had already put towards the home. At the time, though suspicious, it seemed this was the only way to stay in my home. 

I would like to know why there was an {$80000.00} increase, my home to be sold at a reasonable rate, and most importantly my credit score to be edited to reflect Fay ServicingXXXX errors, allowing me to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/XXXX I had my mother make a payment in store but she couldnt make it so I made a payment through my account. So it was a double payment. I called to see how can I get it reversed. One of the Representative told me to call my bank and make a stop payment to get my money back. So I did thats. XX/XX/XXXX I made a payment with my bank account. XX/XX/XXXX I got an email stating thats the payment didnt go through. I called right away to see what happen. Called my bank to remove it then called right back and made the payment again. The representative told me I should be fine I should get a fee or anything should happen to me. On XX/XX/XXXX I get my statement with a late fee as well with another letter saying my account is being closed due to number of dishonored payment on this account. I called down XX/XX/XXXX to explain to them thats this was something one of there employees told me to do and now Im getting my account closed and its going to affect my credit score and my history for something they explain to me to do. This is for Walmart credit card with synchrony bank

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 2019-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I was a victim of identity theft and I had someone open up a fraudulent credit card in my name and it cause my credit score to drop down to XXXX from XXXX  and I contacted TD bank about this and they told me to take it up with XXXX  and I explain to TD bank that I was a victim of identify theft and they wont assist me much further and decrease my credit limit to XXXX from XXXX Ive been making my payments on time with TD bank and never been late and I dont deserve to be punish for theft mistakes I currently have a open dispute with XXXX because someone open up a XXXX credit card in my name and they are taking too long with the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES
State: FL

Complaint narrative:
My student loan debt has tripled. The payments I have made feel like im throwimg money away because of the interest and fees. I dont feel the amount owed is correct. Ive tried to argue this but XXXX took me on an emotional roller coaster on these fees. Im trying to understsnd how i borrowed XXXX and now owe over XXXX??? Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have a loan with CAPITAL ONE BANK USA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and CAPITAL ONE BANK USA with no successful resolution. CAPITAL ONE BANK USA O only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX/ XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have a loan with FIFTH THIRD BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and FIFTH THIRD BANK with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Diversified Consultant # XXXX is using an INTIMIDATION tactic by placing this account on my credit reports, I do NOT have any signed contracts with DIVERSIFIED CONSULTANTS OR their client ( XXXX XXXX I do NOT owe {$620.00} and I do NOT have 1 month terms with them OR their client. This intimidation tactic is ILLEGAL and the last time I checked, they WERE NOT allowed to place anything on ANYBODY 'S credit report. This needs to be DELETED immediately before I file my lawsuit!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
I have a loan with GMFNANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and GMFNANCIAL with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
I have a loan with NISSAN-XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and NISSAN-XXXX XXXX  with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX # XXXX is using an INTIMIDATION tactic by placing this account on my credit reports, I do NOT have any signed contracts with XXXX XXXX OR their client ( XXXX ) I do NOT owe {$620.00} and I do NOT have 1 month terms with them OR their client. This information is FALSE and DOES NOT belong on my credit report

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 2019-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
Ditech Financial has a date of opened on XX/XX/XXXX. This is not true my mortgage was with XXXX XXXX XXXX and was transfured to XXXX on XX/XX/XXXX now XXXX XXXX XXXX shows i had no morgage. I have all my payment to show .that means the bal of my morgage is still the same as it was in XXXX. {$52000.00}. that is not being showed. I am XXXX years old and dont know what to do i can not paid a XXXX   i am on ss only. 
please help XXXX XXXX Thank You.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: NY

Complaint narrative:
My credit was pulled from companies I did not authorize. 

Credco Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/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 2019-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
My credit was pulled from companies I did not authorize. 

XXXX Date : XX/XX/XXXX Barclays Bank DE Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/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 2019-03-20 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: KY

Complaint narrative:
I purchase some parts off the internet through XXXX XXXX. I never received the parts. XXXX XXXX did nothing and told me to contact my card company. Before I made the purchase, in a recorded conversation, I asked my rep if I Pay and dont receive my item was I covered? She without hesitation said if I do not get what I pay for Discover will refund the item. Discover turned it into and XXXX issue that they say I sent the money and that its kver. The issue wasnt did I send the money? The issue is I was defrauded, which they said I was covered. Had they said no in our conversation then I would have never used XXXX, which I will never use again. I feel as though XXXX has bullied them into keeping my money and not protecting me, their client. 
fraud /frd/Submit Learn to pronounce noun wrongful or criminal deception intended to result in financial or personal gain.

" he was convicted of fraud '' synonyms : fraudulence, sharp practice, cheating, swindling, trickery, artifice, deceit, deception, double-dealing, duplicity, treachery, chicanery, skulduggery, imposture, embezzlement ; More a person or thing intended to deceive others, typically by unjustifiably claiming or being credited with accomplishments or qualities.

" mediums exposed as tricksters and frauds '' synonyms : impostor, fake, sham, pretender, hoodwinker, masquerader, charlatan, quack, mountebank ; More

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am an authorized user on this account and the card holders high balances and pay history is affecting my credit score and employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I tried to use my Citibank double cash card to make a purchase on XX/XX/XXXX and XX/XX/XXXX. It was declined on both occasions. When I called to ask why the representatives gave me false information and refused to help me further. I was ask to verify my identity 4 times over almost 30 minutes and transferred from agent to agent. I believe that this is a deliberate attempt to harass the customer to make them get off the phone in order to reduce customer service costs. This is a terrible way to treat a customer.

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 2019-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/18 my wife and I went to the Bank of America teller to make several deposits into our checking account from savings bonds ( around {$2600.00} ). When we returned home I logged into the mobile banking app and saw that there was a withdrawal for {$1200.00} cash in the account made at the BOA teller window. 
Bank of America directed me to open a check fraud claim- which i did. 
In the days that followed I also filed a police report with the local PD. 
The bank said it would take 60 days to investigate. at the end of that 60 days they denied my claim stating that my wife authorized the withdrawal. ( she was logged into our account making the deposits ). 
I asked that the Bank elevate and review the investigation because i can grantee that my wife did not get any cash that day and the security cameras at the bank will prove that. 

Police report attached.

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 2019-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am an authorized user on this account and the card holders high balances and pay history is affecting my credit score and employment.

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