vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-29 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: OH

Complaint narrative:
I have contacted Equifax several times regarding several hard inquiries that are on my credit report. They keep providing me with confirmation numbers but arent providing me with any additional information that would be useful in removing these inquiries that I didnt make. In addition I would like Equifax to provide me with proof of such inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a call from XXXX (?? ) XXXX XXXX saying that I am being served a civil suit for a overdraft from XXXX XXXX in XX/XX/XXXX. They said original balance for the debt was XXXX but I owe them over XXXX now. I have looked at my credit report to repair credit but XXXX was never on there and I havent gotten any calls besides this current call ( XX/XX/XXXX & XX/XX/XXXX ) saying I am being served.

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 2017-11-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL

Complaint narrative:
Pennymac Loan Services bought my original mortgage from XXXX XXXX XXXX in XXXX XXXX. I have an exemption at the court house stating my property taxes do no increase due to XXXX XXXXXXXX. Pennymac is the responsible party for my escrow account, in this matter. I received a check in XXXX stating I was over paying on my escrow account, then a during XXXX of XXXX received a statement stating my escrow was increasing and reflected a negative balance for the cushion. In XXXX of XXXX, the County contacted me stating my property taxes had not been paid, and my name would be submitted to the local newspaper. After contacting Pennymac, a payment of XXXX dollars was paid to the county for delinquent taxes. I have now received another statement stating my escrow account is XXXX dollars in the negative, and they require an additional XXXX for a cushion. I called the company and it was explained they were under the assumption, my CO taxes were XXXX dollars a year, and due to the XXXX dollars paid in XXXX for the delinquency and the additional XXXX - which is my actual yearly property taxes, were paid, including my XXXX hazard insurance - my account requires XXXX dollars to be current. My first issue, is the escrow account and payments are their responsibility, they purchased my account, and I am forced to allow them to handle my escrow account. Secondly, if they paid a delinquent payment in XXXX, how did it take almost 9 months to determine my correct tax amount, and why is the mismanagement of this company constituting a financial hardship on my behalf. I could have budgeted all year long, had I been in charge of my own finances. I have just accepted a lower paying job and am not prepared to pay an additional XXXX dollars for my mortgage a month, after I made this career choice based upon my budget. This happens to be XXXX as well, and receiving a debt collection for XXXX dollars for Pennymac 's poor management, is absolutely unacceptable. In addition, they have maintained this account almost two years, their mishandling should not change my life drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My complaint has to do with Synchrony Bank under their " Care Credit '' program. This program is used by medical patients under terms and conditions that if the account is paid within six months, there are no interest charges ; however, if the account is not paid entirely in six months interest is charged at XXXX XXXX 

My original bill was approximately {$1100.00} with a current balance of {$950.00}. Full payment is expected on the balance by XXXX/XXXX/XXXX or interest will be added. 

When I called Synchrony today to find out what the interest charges would be if the balance were not paid off by XXXX, I was told that it would be {$140.00}. When asked how they arrived at that number, Synchrony 's representative told me to find an explanation of their computations on their website -- but I could not find such explanation. By my calculations, it appears that back charges of interest will be made on ALL THE AMOUNT OF PRINCIPAL, REGARDLESS IF THE PRINCIPAL WAS PAID DOWN OR NOT. If this is the case, it seems outlandish and possibly in violation of U.S. and California law. I should not have to pay interest on the principal amount I have paid down. 

I believe Synchrony 's practice is deceptive. Certainly, their practices are not clearly and easily spelled out on their website. See : https : //www.mysynchrony.com/ Thank you for looking into this matter.

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 2017-11-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient stopped my auto debit for my private student loans without notifying me which made my loans go past due and they demanded the payment in full. I tried numerous times to work out a payment with them. Navient called my mother XXXX XXXX on XXXX XXXX and told her about the debt I owed, how much the debt was and asked her to help pay. My mother has no association with my loan. Navient then called my husband who is also not tied to my loan and gave him a settlement offer amount and sent him an email with a settlement to his personal email asking him to ask his father for the money to pay the private student loan. I have the emails sent from the Navient collector to my husband with all my information. Navient called my husband again and told him the settlement offer was password protected and gave him the password of XXXX to open the secure message. Navient did not have my permission to contact anyone other than me and share my personal debt information. I live in the state of Texas. Navient told me they will garnish my wages for my private loans, freeze my bank accounts, and place liens on my property, which I do n't own. The person I am speaking to at Navient calls herself XXXX XXXX and her number is XXXX and her supervisor that sent my husband the " secure '' email is XXXX XXXX with an email address of XXXXXXXXXXXX. Navient also called my mother and father inlaw giving them information about my debt. Navient leaves personal information on my voice mail detailing private information. They also left this information on my inlaws voice mail. Their collection practices are illegal and threatening. They have told me that I only have two days to pay or they will sue me. My account went for almost two full years in good standing with auto drafts, to default with hardly any notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: CITIBANK, N.A.
State: KS

Complaint narrative:
XX/XX/XXXX was told by Service Rep at Citibank Credit Card that I was eligible for the XXXX XXXX XXXX bonus miles if I was approved for the new platinum card and after charging $ XXXX within 3 months. In fact, he tried to upsell to a more expensive card with XXXX miles I was eligible for. Online, I applied for and was approved for the card almost immediately. When the card arrived I activated it XX/XX/XXXX I noticed in tiny print on the back side of the Welcome letter that I was not eligible for the bonus offer due to recent opening or closing a Citi Card ( s ). I called and and was told by a Service Rep that  Citibank had cancelled a Citibank card in XX/XX/XXXX due to lack of use and that was within the 24 month period, outside of which the bonus miles would be awarded. Spoke to a supervisor, XXXX, who said the same thing had happened to him by CitiCards ( which seemed a bit unbelievable ) and he offered the solution to apply for a XXXX XXXX card not needing the 24 month period, and for which I would get points to use for hotels, airlines, etc. I told him that unless I continue to use a credit card associated with XXXX XXXX, and of which the card he suggested was not, I would lose the XXXX miles I have acquired on XXXX. I asked if they could close the new credit card and show it not opened, I would wait until XX/XX/XXXX for any new offers. Impossible, he said. After I asked for his supervisor, named XXXX, I was told he would call in 24 - 48 hours. 
XX/XX/XXXX Have not heard from Supervisor XXXX. I called Cust. Service, spoke to XXXX and then her supervisor, XXXX who acknowledged from the record I should have received a call back but no one did. She explained that my issue is a 'gaming rule ' and that NO ONE could cancel the account and show it not opened so I was now in a going forward 24 month period of not being eligible for any bonus offers, including the present one. 
XX/XX/XXXX filed complaint with CitiBank Ethics Hotline. Am advised by email I will not hear the outcome of the complaint. 

In the 20 years of being a Citibank customer, I have never registered a complaint of any kind but I can not accept this deceit of being told I was eligible and then in the tiny print, finding out I was not. Citibank customer reps seemed more interested in selling me additional products for commission than resolving my problem.

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 2017-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF HAWAII CORPORATION
State: NY

Complaint narrative:
I applied for a mortgage loan modification with Bank of Hawaii, they sent me an offer letter for a forbearance agreement. I had a friend in the mortgage business review the letter, and he said I may be worse off after the 1 year of lower payments offered due to I will still owe all of the outstanding difference between the contractual payment and the reduced forbearance payments. I am unemployed and on private XXXX insurance. Since the XXXX is 1 year or longer I 'm not sure why they were not able to do a permanent modification? I asked what would happen at the end of the 1 year forbearance period, and if I could re-apply for a modification at that time, and they said no I need to sell the property before the 1-year forbearance period ends. I wondered if someone at CFPB could help me review my options and the offer letter? I need to send 1st forbearance payment by XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: VA

Complaint narrative:
This organization has posted a fraudulently negative collection identifier on my credit report. On top of the fact that I do not recognize this debt, the validity of such a debt would be nullified and illegal as I am a resident of Virginia and have been since well before the purported date of this fraudulent debt. I have, to my knowledge, never had any dealings with this organization or this debt other than attempts made to remove this fraudulent identifier from my credit report. 

As a retired military veteran, I find it personally reprehensible and offensive that this activity continues to be perpetrated against fellow American citizens. I 'm confused as to how an organization can so easily falsify credit reports of individuals against whom they have no legal jurisdiction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital one told me that if i opened a spark business card It would help me build business credit and it would report to my business credit report. They marketed the card to me as a Spark Business credit card. I specifically asked them during the application process would the card report to my personal credit report because I was working on my personal credit and opening new debt hurts my report. They told me that it wouldnt. Well thats not true. I found out that it did in fact report to my personal credit report. Its been hurting me ever since as I started using the card daily to run my business. Then the balance got so high from Interest rates and fees that Ive been struggling to pay it. When I called them to close it down and complain that it was ruining my personal credit report they told me that they cant close it with a balance. So I disputed the card with the credit bureaus as improper reporting. i lost the dispute. They allowed them to continue to report this to my personal credit. IT IS ruining my life to this current day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I have attempted to dispute the debt of {$440.00} as it appears on my credit report ( s ) by sending a debt validation letter via certified mail in XXXX XXXX. The collection agency, TransWorld, Inc., responded by sending an itemized statement of services. I am bothered by this as this does not prove the debt belongs to me. My signature was not present on the document and this statement did not prove validation or ownership of the alleged account. It is also a violation of HIPAA laws as the aforementioned document disclosed PHI without a signed consent to release information. This is an illegal and reprehensible way to conduct business. If this dispute is not resoled, I may be forced to take legal action against TransWorld, Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AMCOL Systems, Inc.
State: TN

Complaint narrative:
The company is Amcol Systems collecting on some medical bills of my XXXX husband. In XXXX of this year I set up a payment plan of {$25.00} a month which is hard to pay most months being a single mother. At the beginning of XXXX I called the company and told them I needed to miss that months payment due to not having the money and the man I spoke with told me if I did n't pay the payment they would garnish my wages and take anything they could take to make the payment, so I just borrowed the money and payed the payment. On XX/XX/XXXX I called and told the lady that answered that the payment may be a few days late and she stated that If the payment was n't made by XX/XX/XXXX that I would forfeit my payments agreement with them and would then be liable for the whole amount of the bill in one payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: KS

Complaint narrative:
Someone applied for credit with XXXX and TransUnion gave access to my credit history without my authorization on XXXX/XXXX/XXXX. XXXX approved the credit for whoever was applying. I called TransUnion, XXXX, and XXXX XXXX/XXXX/XXXX. They put fraud alerts on my accounts. Called XXXX customer service XXXX/XXXX/XXXX. They said yesterday that yes they gave approval for credit. They closed the account. No charges to the account thank XXXX. I talked to their fraud department and they are to investigate. I now have a hard inquiry on my credit history on XXXX/XXXX/XXXX from XXXX  that I did n't authorize. Would like to get it removed.

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 2017-11-29 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: TX

Complaint narrative:
Below are the names of people and/or organizations who have obtained a copy of my Credit Report without my knowledge. It is my understanding that you should n't be allowed to put an inquiry on my file unless I have authorized it. Because of this I initiated several disputes and was told I had to contact the companies directly. After doing so none of the companies responded, so I re-contacted the credit bureau via telephone and In their response, they stated AGAIN if I wanted to dispute things further, I needed to contact the direct company however according to Section 611 of FRCA says you can request the method of verification from the reporting agency and if such agency doesnt have legal validation : documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, then such reporting agency must delete the file. I also requested the name, address, and telephone number of each person contacted regarding the accuracy of the reporting of the accounts and specified that any automated response or XXXX verification is unacceptable. 

As of XX/XX/XXXX, the bureau is refusing to show proof of validation or to delete the below inquiries, as they dont belong to me. 

XXXX XXXX XXXX other than personal XX/XX/XXXX ;  XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX/XXXX Miscellaneous XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX/XXXX Credit card and travel / entertainment companies XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX-XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX - XXXX XXXX Other Collection Agencies XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX ; XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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 — Problem with personal statement of dispute
Company: AES/PHEAA
State: LA

Complaint narrative:
I apologize in advance if this complaint is out of your scope of action, but I am frustrated. I reached out to AES in regards to my sons student loan that I am a cosigner on. I explained to them via a " direct credit dispute form '' that they furnished where I explained that I take my credit very seriously and pride myself on not having any derogatory marks on my credit report and that AES has always been paid " on time '' for many years now. In XX/XX/XXXX when I was paying bills electronically as usual and on time something went wrong either on my part or with my bank but none of my transactions posted even though I had thought they had. It was n't until I received a late notice that I realized none of my bill pays posted. I immediately paid all payments that did not post thinking everything was alright and current. I asked that AES look at my payment history and/or any of our other student loans and it should be evident that this clearly was some type of glitch and I requested a " goodwill '' gesture to have the negative mark they placed on my credit report removed. I only contacted AES because none of the other three student loan companies had a problem with the XX/XX/XXXX issue. AES did respond to me stating only that it is their responsibility to report accurate information and that nothing will be done. I do n't feel based on my credit history that this was very fair on AES part and I am hopeful that you can assist in my dilemma. On my sons side he is almost XXXX and is a struggling XXXX where with so many graduates defaulting on their loans you would think a student loan company would be more understanding of graduates that are paying their debts back for XXXX. I hope you can help and thank you!

Company response to consumer: Closed with explanation