vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Home Mortgage in there reply on XX/XX/18 about the California All purpose Certificate as there response I sign the document is not my signature as claim by Wells Fargo Home Mortgage Power of attorney is not my signature nor my printed signing. Futher more Wells Fargo Home Mortgage has yet to produce the proof of my signature to that document nor does Wells Fargo Home Mortgage been able to justify my signature. The document was sign by the Notary. I did not sign nor give consent to the Notary and was not ever giving or mail any copy of no California All purpose document. Wells fargo Home Mortgage wants to blame the media in which has nothing to do with my signature or documents forge by there notary as there agent. wells fargo home mortgage acted wreckless and has yey to prove by any legal means that is my signature in any way. all wells fargo home mortgage does is reply back with some lam excuse or blame game on some one else.

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 2018-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
XX/XX/2018 XXXX dollars XX/XX/XXXX, I was going to buy a item. Later, one man named XXXX XXXX added my social media account. He said he have the item. He wants to transfer money by XXXX. I said OK. That's fine. Then I transferred XXXX dollars to him. His email address is XXXX. I realized I was scammed by him after two hours later because he didn't reply me anymore.

This morning, I called Bank Of America. The officer just told me they can do nothing even though the order is still in processing. They suggested me to call the police. I'm a XXXX of University XXXX XXXX. XXXX XXXX dollars is a huge amount of money to me. I need to work a lot to earn XXXX dollars. I will suffer financial difficulty if I can't get the money back. Please help me!!!

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 2018-09-14 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: ZIONS BANCORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX using my credit information improperly having XXXX plus dti less than 10 % fcra violation company should be audit or check if they are treating customers fairly XXXX was sued b/c of giving other race credit please have them reconsider or look at if these company are using unfair practices

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 2018-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Optimum Outcomes, Inc.
State: GA

Complaint narrative:
Calls about a debt that was covered by Georgia Medicaid for a XXXX ( XXXX hospital ) stay for my daughter over two years ago. I have no idea who this company is.It was XXXX XXXX in XXXX. Called them about twelve times and told them I am not responsible for this bill then they sent it to Optimum Outcomes at phone number XXXX XXXX XXXX which has been harassing me for over two years during which time I have had XXXX. My daughter is XXXX now. 
called XX/XX/2018 XX/XX/2018, XX/XX/2018 XXXX XXXX ,XX/XX/2018 XXXX XXXX,XX/XX/2018 XXXX XXXX,XX/XX/2018XXXX XXXX,XX/XX/2018XXXX XXXX,XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX, so many more over two years. The phone rings when I am at work and is harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: LA

Complaint narrative:
XXXX XXXX is reporting inaccurate information on my credit report. I agreed to pay a settlement amount on a past due balance for deletion or positive reporting. However, it has been 4 months since I have paid off the account, and it is being reported negatively on my credit reports. The status shows delinquent and is reporting as " failed to pay '' during the months I actively paid off the balance. I paid XXXX weekly from XX/XX/2018 to XX/XX/2018 to collection agency XXXX XXXX on behalf of 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 2018-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2018 a refund of {$20000.00} was issued to me from a travel tour company when I cancelled the trip. I asked mastercard to transfer the funds to my personal check ing account on XX/XX/XXXX.. they agreed and said it would require between 3 to 5 business days to make the transfer. Yesterday XX/XX/XXXX was the fifth day. The funds have not been transferred as of XX/XX/XXXX. Yesterday I called Mastercard and spoke with a supervisor named XXXX. When I demanded that the funds be transferred immediately and without delay she apologized and said a " team '' was reviewing the request because of the amount of the credit. when I demanded to know why she could not offer an explanation. In the meantime Mastercard continues to deduct charges from the balance.

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 2018-09-14 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: CORELOGIC INC
State: TX

Complaint narrative:
XXXX XXXX XXXX using my credit information improperly having XXXX plus dti less than 10 % fcra violation company should be audit or check if they are treating customers fairly XXXX was sued b/c of giving other race credit please have them reconsider or look at if these company are using unfair practices

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 2018-09-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I was given a charge that was not valid on my capital one account, and it was reported that the charge was late, and I was never notified of the late charge, and said charge was then listed on my credit report. When I notified Capital One that the charge on my account was not my fault and a mistake, they corrected it and even credited my account the late charge they charged me, that I paid, but refused to report their mistake to the credit agencies stating that I was still at fault. Which confused me, because they reversed the late charge and credited my account. I want the late status removed from my credit report, because I'm trying to buy a home and this blemish is hindering my credit rating. 

Please help with this dispute, thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-14 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: AES/PHEAA
State: OR

Complaint narrative:
I have contacted all the credit bureaus and XXXX XXXX to update the months of XXXX, XXXX, XXXX and XX/XX/2015 to ok/current on my 23 closed student loan accounts. I have documentation showing there were 0 days delinquent on all 23 closed accounts but they are all reporting 4 months late making there be 92 delinquent marks on my credit reports. This is causing my credit scores to be significantly lower than they should be causing a barrier for me financially while I am trying to purchase a home for my XXXX XXXX son and I. I have consolidated all the accounts at the XX/XX/2015 and have maintained them as current and kept communication with the company. Please grant my request and adjust the late payment status to ok/current for the months XXXX, XXXX, XXXX and XX/XX/2015 on all the credit bureaus. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AC AutoPay LLC, Denver, CO Branch
State: OH

Complaint narrative:
I keep getting numerous calls a day from this same company, I answered today and the person was very rude when I was asking her what debt this was for. She said for me to be quiet and that's probably why I don't know what's going on. She said I owed a XXXX XXXX XXXX, XXXX XXXX, which I don't and never had anything to do with either of those entity 's. I told her to send me correspondence and she hung up. I call back to ask what this was for again to find out what is going on and the female was again rude and I said she was real ghetto and she says, Your mama and hung up. I received a voice mail saying something about a check and calling my employer and garnishing my wages for recovery. So, now I am receiving numerous hang up calls from that number, no one saying anything and repeatedly calling. I have had 9 phone calls just today. They said they are with XXXX XXXX XXXX. XXXX. She also said they sent me a letter and I asked when and she said stop acting XXXX. I have no clue what this is for. I have other creditors but not what she is stating. Phone number is XXXX. Sending cease communications letter today.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-14 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: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX are not responding to any of my numerous requests to investigate, verify and remove accounts from my credit reports/files.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Fraudulent account : XXXX XXXX XXXX. 
# XXXX XX/XX/XXXX18 Fraudulent inquires : XXXX XXXX /XXXX XXXX/XXXX/XXXX XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/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 2018-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I applied for a Guitar Center Credit Card XXXX XXXX XXXX XXXX Mailing Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX and Syncrony, XXXX XXXX / Syncrony Financial processed the credit application. 

I was denied credit based upon " Address of record did not match .... '' Yet I was denied because I wrote home address `` Drive '' on the Guitar Center credit application and not dr or DR . 
Syncrony, XXXX XXXX  /Syncrony financial ( processed & delivered ) to guitar center XXXX XXXX , California a ( defective / flawed ) credit report. 
-Map of my home address attached - My credit scores are attached. 
I spoke with XXXX, a customer service agent with XXXX. 
on Thursday XX/XX/2018 between XXXX and XXXX XXXX time to inquiry specifically about acceptable vs. non-acceptable ABBREVIATION ( s ) on FICO applications and documents, that might or could affect or have a impact on a credit report. 
" It is outside of FICO scoring ", DENIAL OF CREDIT FOR USE OF AN ABBREVIATION, AS PART OF MY HOME ADDRESS IS OUTSIDE OF THE " score ' AND FICO SCORING. " formula " It is my position Syncrony, XXXX XXXX /Syncrony financial did not deliver a Factual " FICO CREDIT REPORT and any and all documentation sent to Guitar Center are defective & flawed, and not a accurate or true reflection OR representation of my current Credit or Factual Credit History, on file with : XXXX , XXXX and XXXX References, U.S . Department of Commerce California Chamber of Commerce, Utah Department of Commerce and other State & federal, CALIFORNIA & UTAH, regulatory agencies. ( drive ; dr dr. acceptable substitutions for `` Drive " ) United States Postal Service It seems like the logic of Syncrony is you can NOT use the root form of the word ONLY THE substituted?

Syncrony is thus, in my opinion operating, delivering a product " predictive analytics, or opinion outside of accepted FICO Fair Isaac Corporation, protocols.

- attachment MAP of my home address -attachments XXXX XXXX 2018 snapshots. 

Under penalty of perjury the above statements are true and accurate. 
signed :

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 2018-09-14 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
XX/XX/2018- I purchase office equipment in the amount of {$1700.00} with my XXXX store card. Items on this order were returned by to XXXX on XX/XX/2018 credit for {$580.00} given on XX/XX/2018. Final part of order was returned around XX/XX/2018. XXXX issued a credit on XX/XX/2018 for the total amount of purchase {$1700.00}. I have reached out to company on XX/XX/2018, XX/XX/2018 and XX/XX/2018. and certify letter on XX/XX/2018. The company is stating the company I purchased from has not issued a credit. I have provided syncbank the issue of the credit card. 1 proof of return 2. proof of credit from XXXX and proof of credit for merchant

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 2018-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I took out student loans in XX/XX/XXXX / XX/XX/XXXX to attend XXXX College in XXXX XXXX, CA. The total of the two Sallie Mae loans I am writing about was {$15000.00}. 

As of today 's date I have made payments totaling {$47000.00} and have a balance of {$31000.00} with a 14.875 % APR. 

My only options when I have reached out to Navient is to defer or reduce payments by extending the term of the loan, this is not acceptable. 

I have paid 184 % of the original loan amount, when paid off in XX/XX/XXXX I will have paid nearly 370 % the original loan amount. I am XXXX years old and STILL in debt because I tried to make a better life for my child when I was younger. I have been paying consistently, they have their money, there is no need for them to continue preying upon me, yet I have zero recourse. I have no one to turn to and Navient is just allowed to continue their unscrupulous business practice of preying upon individuals that have tried to better their lives. 

Also worth mentioning is that I had XXXX XXXX at the same time as well that have been taken over several times by different organizations ( now owned by Navient as of earlier this year ). The APR was always lower and the loan owners were always much more eager to help the individual as opposed to creating financial hardship. One of those loans is paid off completely and the other two will be paid off in the next couple of months as they make up about {$1700.00} total balance. 

I think I have proven good will, I have paid much more than the original loan amount and at this point I need someone to do something about this. I am angry and the answers I receive from Navient are absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX XXXX claims they tried to call me regarding the matter. I have call them several times and ever time I call them they claim only 1 person can resolve the issue. I have proof 1 week I call them call after call the same response regarding the issue. They claim they call me. I work 12-14 hours shift at the XXXX and can not talk while at work XXXX XXXX call me 1 night at XXXX XXXX in which is to late considering I was at work. They had all day to call. There is nothing but games with them and there practices 1 person can take a payment or settle the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Fraudulent inquires : XXXX XXXX/XXXX/XXXX/XXXX XXXX/XXXX   XXXX/XXXX/XXXX/XXXX/XXXX/XXXX  XXXX/XXXX/XXXX   XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX   XXXX  XXXX/XXXX/XXXXXXXX/XXXX/XXXX/XXXX/XXXX/XXXX/XXXX   XXXX/XXXX  XXXX/XXXX/XXXX XXXX XXXX/ XXXX/XXXX/XXXX XXXX/ XXXX XXXX/XXXX  XXXX/XXXX/XXXX : : All this inquires on multiple occasions are fraudulent.

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 2018-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I just checked my Equifax credit report ( XX/XX/18 ) and it has dropped considerably and does not show my mortgage accounts through XXXX XXXX, which are paid as agreed. 
I have previously attempted to request corrections from Equifax and Equifax has been completely uncooperative, requiring me to send them documentation of the error by mail in violation of guidelines which has required me to file a complaint. For this reason I am filing a complaint to get the work started.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase encouraged me to add authorized users on the cards we use. I added contractors who work at our house and business. I also added my wife. We accumulated a good number of points. Then, without warning, chase closed all three of my cards. The explanation said I had too many inquiries. There were two inquiries over the past six months. I always paid my bills on time and had recently been given a credit limit increase. Chase 's sudden actions meant I missed bills that were on autopay through their cards as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 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: TX

Complaint narrative:
Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report of Account name XXXX XXXX XXXX Account 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 explanation
Consumer complaint received 2018-09-14 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Hi, I have a problem with XXXX XXXX XXXX XXXX.  Unfortunately, I do not know the exact dates of the incident but here 's what happened : I had American Express gold card for years and used it until I realized that I'm paying {$180.00} annual fee, which for me and what I was using a credit card was too much so I decided to cancel that card but their representative, after several offers, finally offered to waive annual fee. I accepted and continued to use that card until I realized that after few months they still charged me {$180.00} annual fee. I called, they said that fee will be removed but never did. After several calls, their supervisor explained me that because I used their membership reward program ( I got {$20.00} GAP gift card ) I must pay annual fee. They never told me about that and if they did I will definitely denied the offer and cancel the account like I wanted too. I payed for all of my purchases and fees excluding {$180.00} annual fee and called AMEX and asked to cancel my card but they never did and although I did not used the card, charged for late fees etc. pumping that account to over {$400.00}. They also send debt information to credit report companies resulting in my credit score decreasing. Now they sending me offers to settle for 60 % of my " debt '' - {$240.00}. I tried stating my case to American Express customer service but without any understanding from their side. 
If you can help me on this matter, I would appreciate it. 
Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief