vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Williams, Rush & Associates, LLC
State: IN

Complaint narrative:
Received a phone call from debt collector who proceeded to threaten me that she would put a debt on my XXXX report about a debt that I explained to her was inaccurate and that I had the proof. She knows that putting that on my report as I am a XXXX XXXX  would prevent me from being able to find a job and jeopardize employment with my current employer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I have a Synchrony Bank " CareCredit Card. '' This card offers a deferred period where if paid by a certain date, you will not pay interest. If not paid by this date, interest will be accrued retroactively to the date of purchase. 

In this particular instance, I had 2 separate transactions on 2 separate dates. However, they both had the same promotional deadline of XX/XX/19. The oldest of the 2 was the largest and all payments made were applied to this transaction until the last two payment, Synchrony then applied the last 2 to the second purchase. This left a balance on the larger purchase ... effectively making me responsible for the retroactive interest that was the highest. 

After over an hour on the phone and having to exert much force, Synchrony rectified this. They told me that this was done for my benefit since it appeared that I would not have the larger balance paid off, it was better to at least pay off the smaller of the two. I don't buy this for a minute and feel that this is a very underhanded tactic to extract the most interest possible. I only caught this when I went on line to see the balance that was remaining on the larger purchase, as I have every intent to satisfy this balance by the deadline. 

I think the actions of Synchrony is criminal and should be investigated!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Ocwen Loan Servicing, LLC sent correspondence entitled " Friendly Reminder Notices '' to my wife and I dated XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ( see attached ) ; however, during this time, we were set up on direct withdrawal from our joint checking account in which two ( 2 ) payments each month ( in order to pay the Mortgage sooner ) were auto-deducted from our joint checking account and paid directly to Ocwen Loan Servicing, LLC.  Through correspondence dated XXXX and XXXX from a company called " XXXX '' offering to provide loss mitigation assistance ( see attached ), it appears that Ocwen Loan Servicing, LLC reported our mortgage loan as delinquent to this and or other companies. Again, our mortgage was paid twice per month through auto-deduction from our joint checking account. Ocwen Loan Servicing, LLC sent correspondence purporting to be a past due notice dated XXXX ; however, again, our mortgage was paid twice per month through auto-deduction from our joint checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: GA

Complaint narrative:
I was Evicted from my home in XX/XX/2017 I paid all my debt from the landlord and then a year later the name Hunter Warfield showed on my credit report. I was never given a notice about this charge, and what is it for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: FC HoldCo LLC
State: FL

Complaint narrative:
I have made multiple attempt to resolve this issue with XXXX. 100s of phone calls literally and I am ready to seek legal counsel on this. 

I settled an account with XXXX on XX/XX/XXXX. To date I am struggling to have the correct status reflected settled and closed. 

After months of struggle, XXXX is finally reporting settled XX/XX/XXXX and closed. XXXX and XXXX   are still showing DEROGATORY status and no closed date. In fact there is an " N '' for negative on XX/XX/XXXX in both bureaus. 

This is affecting my ability to seek home equity loan. I have put into this 5 months. I have been patient. These people do not care. Beyond taking the settlement they do not care to meet their end of the bargain, to report correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2018 a guy called XXXX XXXX who was working for me helping in a construction job, stole from my checking book that I kept in may car a BLANK check ( # XXXX ), and he filled with his letter and signed, coping my letter and sign from a check that a gave to him as a payment for his job. He cached a check in a bank call ( XXXX ) and my bank ( Bank of America ) pay the money from my checking account ( XXXX dollars ). When that happened I went to the bank and put a claim and I reported to the police. the first claim was denied and I do 2 more claims to the bank and they denied again, in the first claims they said that I gave the check, and in the last one they realized that it is a fraud but they said that somebody has access to the account. now the bank closet the case and dont refund my money that is the bank responsibility.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: FL

Complaint narrative:
Greetings, I have been fighting all three reporting bureaus in regards to them reporting on my credit file three accounts that has nothing to do with me whatsoever. They are reporting two accounts with first XXXX XXXX credit card, which I never applied for and also XXXX wireless which was discharged in my bankruptcy in 2013. I was not living in the country and I have submitted proof of my passport with visas stamped showing the month and year out of the country and returning in the country as well. This is getting very frustrated and unjust in the part of these reporting agencies that are abusing citizens. They are the main one allowing for customers to be scammed, being taken advantages of by selling our information and not protecting men and women. They also are reporting a bunch of inquiries on my account, however I was able to remove all from XXXX but XXXX and Equifax are the worst reporting inquiries that are fraudulent and when again I was not in the country for several years due to medical issues. I need your help please, even on making an action lawsuit against these companies please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
We were in a chapter XXXX bankruptcy and found that our lender had derogatory notations on our credit report. We reaffirmed our mortgage with XXXX XXXX after bankruptcy and they didn't report it to Trans Union because we had made a complaint. After over a year and a complaint to the CFPB they placed our mortgage back on my husbands credit report They will not place it back on to my credit report Please help me I just dint understand why-three of the credit reporting agency 's have fixed this but XXXX XXXX refuses to contact trans union and report my mortgage correctly Is their anything I can do Not reporting my mortgage is negatively affecting my ability to obtain credit and my credit score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01 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: NV

Complaint narrative:
Hello. My name is XXXX. I happened to check out what was going on with my credit report. I noticed several collection items placed on my report that do not belong to me. Please remove them from my report today I appreciate the help. Thanks so much.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01 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: FL

Complaint narrative:
I have made multiple attempt to resolve this issue with XXXX. 100s of phone calls literally and I am ready to seek legal counsel on this. 

I settled an account with XXXX  on XX/XX/XXXX. To date I am struggling to have the correct status reflected settled and closed. 

After months of struggle, XXXX  is finally reporting settled XX/XX/XXXX and closed. XXXX  and Equifax are still showing DEROGATORY status and no closed date. In fact there is an " N '' for negative on XX/XX/XXXX in both bureaus. 

This is affecting my ability to seek home equity loan. I have put into this 5 months. I have been patient. These people do not care. Beyond taking the settlement they do not care to meet their end of the bargain, to report correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Delta Management Associates, Inc.
State: AL

Complaint narrative:
XXXX XXXX began calling me and threating to contact my new Employer with Wage Garnishments! He said they would begin if I did not immediately. I told him I just got this job and he said that he had a program for me, he lied claiming to represent The Government had me sign up for some bogus service he led me to called XXXX   XXXX XXXX, I cant get him on the phone, this is racism! I had to spend money to print pay stubs and forms then he told i could upload them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: AZ

Complaint narrative:
Phoenix Financial Services has failed to provide legally required validation of an alleged debt within 30 days. The request of validation was received by Phoenix Financial Services on XX/XX/XXXX. This request was sent to them as a written request through USPS with delivery tracking and confirmation. Phoenix Financial Services has failed to respond in any way. In addition, they are incorrectly reporting dates on this alleged debt. They state this account opened in XX/XX/XXXX and are reporting this to the credit bureaus XXXX and XXXX. No such accounts could have come from me anytime in the last 5 or 6 years. I was denied credit due to this erroneous reporting due to this recent delinquent account. If this alleged debt is legitimate, they are required to report the original date of delinquency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
On XXXX XXXX I submitted a personal check representing a significant principal amortization on my mortgage to my servicer, Mr. Cooper : the amount was approximately 2,000 less than the total principal due, prior to sending the check, I researched the bill and website to determine if they would accept a personal check for this large of an amount, there was no indication it was prohibited, however payoffs require a certified check ( which this was not ). Susequently the check was returned to me indicating that it was not acceptable as payoffs require certified funds, the amount was not a payoff, i subsequently contacted Mr , Cooper for an explanation. They indicated they did not accept personal checks for more than 90 % of the principal due, I asked where on the bill or website this policy was stated. The complaint department indicated it was not listed and kept referring to the policy on payoffs ( which this was not ). They provided me no satisfaction and now I am at risk of losing substantial gains from an unrelated financial transaction as I can not make res presentations that the mortgage has been paid down, Mr , Cooper has provided no solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: DISCOVER BANK
State: LA

Complaint narrative:
Discover decreased my credit line and did not notify me in advance. As the account has been paid on time, why was the credit line decreased. I have called and their reps have not been able to provide any details.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
i have a number of hard inquiry 's on my Trans union account that I never authorized and Transunion refuses to remove them : 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 XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX NA, 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 XXXX, XXXX XXXX XXXX XXXX. 
All have multiple dates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Greetings, I have been fighting all three reporting bureaus in regards to them reporting on my credit file three accounts that has nothing to do with me whatsoever. They are reporting two accounts with first premier bank credit card, which I never applied for and also XXXX XXXX  which was discharged in my bankruptcy in XX/XX/2013. I was not living in the country and I have submitted proof of my passport with visas stamped showing the month and year out of the country and returning in the country as well. This is getting very frustrated and unjust in the part of these reporting agencies that are abusing citizens. They are the main one allowing for customers to be scammed, being taken advantages of by selling our information and not protecting men and women. They also are reporting a bunch of inquiries on my account, however I was able to remove all from XXXX  but Transunion and XXXX are the worst reporting inquiries that are fraudulent and when again I was not in the country for several years due to medical issues. I need your help please, even on making an action lawsuit against these companies please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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:
Greetings, I have been fighting all three reporting bureaus in regards to them reporting on my credit file three accounts that has nothing to do with me whatsoever. They are reporting two accounts with XXXX   XXXX XXXX credit card, which I never applied for and also XXXX XXXX which was XXXX in my bankruptcy in 2013. I was not living in the country and I have submitted proof of my passport with visas stamped showing the month and year out of the country and returning in the country as well. This is getting very frustrated and unjust in the part of these reporting agencies that are abusing citizens. They are the main one allowing for customers to be scammed, being taken advantages of by selling our information and not protecting men and women. They also are reporting a bunch of inquiries on my account, however I was able to remove all from Experian but XXXX and XXXX are the worst reporting inquiries that are fraudulent and when again I was not in the country for several years due to medical issues. I need your help please, even on making an action lawsuit against these companies please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Hello. My name is XXXX. I happened to check out what was going on with my credit report. I noticed several collection items placed on my report that do not belong to me. Please remove them from my report today I appreciate the help. Thanks so much.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: NV

Complaint narrative:
Hello. My name is XXXX. I happened to check out what was going on with my credit report. I noticed several collection items placed on my report that do not belong to me. Please remove them from my report today I appreciate the help. Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After 3 complaints through this system ( XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ), Experian has failed to send updated credit reports as documented. What are my legal rights? Why is this happening? Who is responsible for investigating this?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
I contact Professional Finance Company to resolve a collection that we believe we do not owe. I asked for details of the debt. I advised I paid XXXX on XX/XX/19. I was told this was a separate account. The company that debt was owed too, has not called us for this particular amounts. They representatives could not give us the information on the account details, she just made snarky commits. Asking me what I don't understand about this. I advised I don't understand why I am paying XXXX XXXX dollars to the same company and why it wasn't billed together. The representatives continued the snarky remark. I asked for a supervisor and got attitude cause I asked. The representatives I spoke with advised me that we would be recorded. I advised the representatives that we have it on speaker phone and will be recording the conversation. Each representatives told us it's illegal to have it on speaker phone, which is false information. Representatives also told us we are not allow to record the conversation. Which by federal law I am allowed to record the conversation and protect myself from fraud or scams. Then each representatives would terminate the conversation by hang up on us, stating it's company policy. I advised the representatives that federal law and fair debt collection act allows me, the consumer to protect themselves against a debt collector. They refuse to continue the conversation. We have recorded the phone calls and we also notified them we were recording them. I asked for a supervisors 3 out of 8 phone calls on XX/XX/XXXX around XXXX XXXX to XXXX XXXX. We had to just ask for a supervisor before talking to a representative. On other occasions When we asked for a supervisor, we would get sighs and attitudes. We got voice mail on all three attempts to a supervisor. We have yet to receive a phone call back from a supervisor. On several occasions pfc has called my wife at work, she has advised them to not call her at work. She has received two more calls from them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief