vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have opened a XXXX 's XXXX Store Credit card with XXXX sometime in 2014. However, Lately. I lost my job and fell behind my payment for about 2 months. 
As the result of it. The card issuer started charging for late and over the limit fee 's. I called the and explained my situations. The Customer Service ask me atleast to come-up with {$120.00} and the next month payment of {$120.00} they will removed the all the late and over the limit fee 's they have imposed on my account. I have complied with the former agreement. However, I found out the latter never kept their words. And kept on raking me with more charges. Thereby, The Outstanding due payment still keep on going high with all the penalties they never remove as agreed. Despite, My limited cash. I tried to make a payments. But, My balance never gone down. And it is beyond my reach to pay them as the penalties keep on increasing. I am asking the said Card company to give me the chance to pay them back without adding more Interest and penalties to my account. Or I will be in default with when I can't afford the higher payment anymore. They can close my account and I will stop using their Credit Card and make a fixed monthly payment that will help me pay them back. Without causing a burden financially on my family

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 2018-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Business Factors
State: NV

Complaint narrative:
The statement for a medical bill says that I can pay though their website. The website is not set up therefore their statement is false. What if this was the only way I can pay? 
National business factors inc XXXX XXXX XXXX XXXX XXXX  NV XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I signed up for a Credit Monitoring system with Experian. The sign-up procedure took < 2 mins. In order to cancel, I have to call them. I have been on hold for more than 2 hours over the phone, no response.

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 2018-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: TX

Complaint narrative:
XXXX XXXX purchased a XXXX XXXX XXXX from XXXX XXXX on XX/XX/2016. 
We recently had a issue with the Finance company Westlake Financial in California. 
They actually repoed our vehicle becasue of a NSF, which was not the case, XXXX XXXX, can verify there was sufficient funds. We then decided to get rid of the car, and go with another finance company. Upon trying to find the value of the car, the car purchased according to paperwork, and Westlake Financial is not the car she has. My wife is paying for an XXXX XXXX XXXX XXXX XXXX XXXX XXXX, she was given a XXXX XXXX XXXX, the first is the high end model, hers is the base. The dealer provided which we have with their writing on it, a fake XXXX report which have discovered, thich has her VIN number, but the vehicle listed is not the same, total fraud, and scam. Claiming the car she purchwas valued at listed price.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony bank has several different credit cards for retailers like CareCredit, XXXX XXXX, Belk, And XXXX. I have all of these cards which I paid by mail for a long time. The trouble begin when I tired to pay online. One problem that was reconciled is an online payment to XXXX and CareCredit at the same time both payments were applied to XXXX so Care credit did not get any funds causing late charges. I called and this was taken care of. About two weeks ago I received a text message from Synchrony saying I had not paid my XXXX I never received a statement nor did I sign up for paperless, another late fee! Today I tried to go online to pay CareCredit was advised I had not registered my account. Tired to register account and then advised account was already registered. This is the kind of problems I continue to have with XXXX and they keep lowering my credit line, calling, sending letters then when you call it is to someone in XXXX who is very difficult to understand! Will you please check into their underhanded practices and help me I just want to get them paid off! Thank you, 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 monetary relief
Consumer complaint received 2018-03-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I submitted a dispute to Equifax with no response. I submitted a duplicate dispute XX/XX/XXXX. Equifax sent a regular credit report instead of an answer to my disputes. this places them in violation of the following FCRA regulation : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information * ( 1 ) Reinvestigation Required * ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

* ( C ) Limitations on extension of period to reinvestigate. Subpara- graph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
On XX/XX/17 XXXX XXXX XXXX, XXXX notified me by email that they were collecting balance due on credit card on behalf of American Express. 
We made a payment and said we would call back when we would know how much we could pay monthly. 

We are a XXXX XXXX XXXX by the XXXX. 
XXXX XXXX XXXX notified my XXXX XXXX of the balance due on the credit card and consequently we are facing termination of our contracts. Which we solely depend on to do business. 
XXXX overzealous collector XXXX and XXXX were very disrespectful to me. Calling the government ( XXXX XXXX XXXX XXXX ) to report our debt and purchases on the credit card was very unfair and lawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has asked several questions to confirm my identity but I have been failing them. I asked what company provides the questions and the answers. The questions they've asked me are answered correctly which makes me concerned about account opened in my name. I need access to the accounts that they are showing to ask questions. In the meantime, I froze my employment data with The Work Number but I am very concern about accounts they are asking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian placed a fraud alert on my credit report without my expressed permission in violation of the following FCRA regulation : 605A. Identity theft prevention ; fraud alerts and XXXX XXXX alerts [ 15 U.S.C. 1681c-1 ] ( a ) One-call Fraud Alerts ( 1 ) Initial alerts. Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, a consumer reporting agency described in section 603 ( p ) that maintains a file on the consumer and has received appropriate proof of the identity of the requester shall Without a phone number this alert is useless ...

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 2018-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is a released State Tax Lien reporting on my report in the amount of {$3700.00}, which I was never made aware a lien, issued an IRS Form XXXX ( XXXX  ) to tell me I had a lien nor a XXXX ( XXXX ) Release of Federal Tax Lien. This was reported in XX/XX/2016 and when I disputed the validity, it was marked released two months later -however it was not removed. XXXX and TransUnion are illegally reporting this State Tax Lien, after 3 dispute attempts.

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 2018-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We became delinquent on our account about the time XXXX XXXX hit Florida, where we live. We attempted to find out the specifics of our account balance such as how much of the total balance consisted of late fees, finance charges, penalties, interest, etc. The creditor would not tell us the breakdown of the amount due and said they could not access that info. I found that hard to believe since they are in the business of extending credit to consumers.

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 2018-03-15 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have a Wells Fargo Credit Card. High Balance was near credit limit of {$21000.00}. Trying to improve my credit score to buy a home - I paid {$10000.00} off of the balance in XX/XX/XXXX. Wells Fargo told me at the time it takes 30 days for them to report new balance of {$12000.00} to credit bureaus. It is now XX/XX/XXXX and my credit reports still reflect a {$21000.00} balance. I called Wells Fargo in XX/XX/XXXX to  inquire. They said they would send a letter reflecting accurate balance to credit bureaus. They have not. The false high balance is hurting my ability to obtain a mortgage at a competitive interest rate.

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 2018-03-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My co-signer passed away and I was informed my debt was now collectible. However not having the money I could not pay and instead of going after my co-signers estate the whole burden fell on me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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: IL

Complaint narrative:
I have a XXXX XXXX Credit Card. High Balance was near credit limit of {$21000.00}. Trying to improve my XXXX XXXX to buy a home - I paid {$10000.00} off of the balance in XX/XX/XXXX. XXXX XXXX told me at the time it takes 30 days for them to report new balance of {$12000.00} to credit bureaus. It is now XX/XX/XXXX and my credit reports still reflect a {$21000.00} balance. I called XXXX XXXX in XX/XX/XXXX to inquire. They said they would send a letter reflecting accurate balance to credit bureaus. They have not. The false high balance is hurting my ability to obtain a mortgage at a competitive interest rate.

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 2018-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I do not owe a debt to your company, Portfolio Recovery, of any kind. I have told your company thru the person calling not to call my phone number again but you continue seven days a week, anytime between morning and night. I am a XXXX person and your incessant phone calls are putting me at risk. I do not have any debt with you. You have been doing this for months so I am finally reporting you to the Consumer Financial Protection Bureau as you will not comply with my request not to call me. I am sorry it has come to this but you have left me no choice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I received a modification from XXXX who sold the loan to Select Portfolio Servicing Inc. on XX/XX/XXXX with last effective on XX/XX/XXXX rate 3.62 % payment amount {$1300.00} of however the services has which term payment amount to {$1400.00} effective XX/XX/XXXX wi4h a letter threating foreclosure on a debt that has been and discharge by bankruptcy and will not permanently modify the loan and continue to have the loan in an negative amortization attached as condition and after discharge it has not been modified prior to select portfolio services the loan and will not provide proof of modification contract, term and condition has changed with out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have an initial fraud alert on my Experian credit report. I have been trying to have it removed from my credit file for almost 100 days. I initially contacted Experian by phone, and their automated system advised me to end a letter. I did so on XX/XX/XXXX. After two weeks, I again checked my credit report to find that it was not removed. I sent a follow-up letter as instructed by Experian on XX/XX/XXXX.

Since then, I have tried to call Experian, but their phone system makes it literally impossible for me to speak to a human. The one time I got put in a phone queue to talk to a human the wait time quoted was " over 2 hours ''. Just today, on XX/XX/XXXX I was on hold from XXXX EST till now, XXXX EST waiting, all the time getting an endless loop of onhold phone music and company propaganda.

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 2018-03-15 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: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
We had a loan for a used XXXX XXXX XXXX with Wells Fargo Dealer Services. On XX/XX/XXXX WFDS wrote a letter that the entire balance on our loan was due and that we should call them asap to resolve the matter and that they wanted to work with us. The subject line of the letter stated " Payment options available for your account ending in XXXX - action requested. '' They " charged off '' the balance the same date as the letter. They gave us zero time to pay this balance, which we paid the entire amount of {$2800.00} in two payments, including their fees of {$940.00} within that month. ( See documentation ). It is true that we were behind on our payments, but my husband was in contact with Wells Fargo regularly to make arrangements to make payments. 

Our contention is that we were given no chance to remedy this before it was charged off, and a large part of the charge off is their fees, which we believe is illegal. Their correspondence clearly states they have payment options available and want to work with us. A few of the credit reporting bureaus are showing that this account is a charge off and we owe {$1800.00}. This is not true, we paid the balance in full including their fees by XX/XX/XXXX and have the title to the car in our possession. If any consolation, this was right around the busy holiday season and should be taken into consideration. 

In talking to XXXX in the office of the president at Wells Fargo Dealer Services, she informed me that calls were made to my husband or myself, in which we were notified that this account was going to be charged off. Neither my husband nor I, received any phone calls. I asked XXXX if she had proof of this and she said I would have to subpoena them for this information. We are not litigious and do not know how to do this, and should not have to do this. 

Attempts to remedy this dispute with the credit reporting bureaus and Wells Fargo, have proved futile. What Wells Fargo has done charging off their fees, we believe is illegal, and they gave us no time to actually take care of this obligation. 

We respectfully request a full investigation into this, and that they credit reporting bureaus be notified that this account has been paid in full and that the charge off be removed. There is no sufficient reason a charge off should continue to appear on our record for up to 7 years, when this was paid within a month of notice of acceleration. In addition, the months of XX/XX/XXXX and XX/XX/XXXX, at least one credit reporting agency shows a FP or failed to pay. This is incorrect and attempts to have this changed have not been corrected.

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 2018-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
An old XXXX account was closed in XX/XX/XXXX due to a prolonged period of inactivity. At some point long after, the credit card company allowed an unauthorized charge of {$390.00}. I contacted them several times to explain that, first, I had not authorized the purchase ; and more importantly, that account had already been long closed at the time they allowed the charge. Each time, they apologized and said that was the end of the matter. On XX/XX/XXXX, I had a conversation with a company representative that, I thought, had finally resolved the issue : they acknowledged that the account had already been closed and agreed to cancel the charge they had posted subsequently. They gave me a Reference Number : XXXX. In the past few months, I have received several notices from the credit card company offering to help me work out a payment plan. I ignored these. I have also been notified of a negative item on my credit report that I can only assume is related to this matter. Now I am getting repeated notices from a collection agency demanding {$720.00} on the credit card company 's behalf.

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