vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-12 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a credit card with JCPennys - Synchrony Bank. As of XX/XX/2019, I owed a Balance of {$170.00} at which time I paid off in full. Upon checking my credit report, it shows that my credit score actually went down so I disputed this because Synchrony Bank shows it as the account being closed by them as delinquent and it was not. I paid them monthly and on time. I tried reaching out to them and even wrote them a letter which I have in my possetion. They sent a letter stating they decided to " Close my Account due to delinquency. This is not correct and I want to dispute this. I have been working hard to correct and fix my credit report ever since I lost everything to " Harvey '' and lost everything including my job. Please help me get them to take this off. I can see if I didn't pay them and they " Closed my Account '' but I paid on time and just wanted to pay off my account in full thinking it would look better on my credit report. They refuse to take it off. My case number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
LVNV Funding is reporting on a debt I do not owe. This debt is from XXXX XXXX and I had previously paid this debt with another creditor a very long time ago. This debt is not owed and needs to be removed off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO

Complaint narrative:
Today being XXXX I received another call at work today atXXXX from XXXX which is Bayview and I have now been warned by my employer that continued personal calls will cost me my job since back on the XXXX of XXXX XXXX told me that they were removing my number. If I lose my job I will be unable to make the house payment all because of Bayview calling me at work and breaking Colorado Law as well as Federal law with calls at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have been in dispute with Goodyear since XX/XX/2018 regarding late fees and interest. I had no idea I would need a new tire when I walked into XXXX XXXX, therefore I didn't have the money or a credit card on me for the purchase. I accepted XXXX XXXX 's offer for a Goodyear line of credit since XXXX XXXX told me It was urgent to get a new tire in fear of mine having a blow out if I continued to drive on it, so I accepted the line of credit. I didn't receive any statements in the mail from Goodyear until about 3 months after I got the tire replaced and in that statement I had 3 months of late fees and interest that had been added to my original tire purchase. I Immediately called Goodyear to explain that this was the very first statement I had ever received from them. The representative I spoke with told me to pay the minimum balance due which was {$100.00}, even though my tire was only {$84.00}, and he would request remaining late fees and interest removed, never heard back from him, instead received another statement a few weeks later with more fees added. Immediately called again, explained situation, and was given information could address with Citibank which I did in writing. I've mailed letters to Goodyear and Citi Bank ( the bank they use ) addressing the issue multiple times and instead of replying to me they sent me to a collection agency, continued to charge me each month following my payment, and closed my account, even though I paid my purchase and additional charges were in dispute. The original balance was {$84.00}, I have already paid {$100.00}, well over the amount owed and now from the continuous charges each month I owe {$400.00} as of XX/XX/XXXX. 

I need help getting these fees 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 monetary relief
Consumer complaint received 2019-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
After falling behind with my mortgage payments, Mr. Cooper ( my lender ) placed me on a trial modification payment plan ( for the months of XX/XX/XXXX to XX/XX/XXXX arrears ) beginning XX/XX/2019. After making the first two payments, Mr. Cooper decided that although I mail out the third payment prior to the due date ( XX/XX/2019 ) my payment was not posted until the XXXX of the next month. When the payment was finally accepted, the lender refused to accept the next months payment. However, Mr.Cooper Did accept the XX/XX/2019 payment. While communicating with them today ( XX/XX/2019 ) they stated that they would refused the XX/XX/XXXX payment as well. This situation could have been averted by just posting the money on the next day of business. Now the invoice is stating the arrears are now {$4700.00}. According to my calculation there are only two months of arrears ( this month and XX/XX/2019 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: TX

Complaint narrative:
XXXX ; XXXX and Transunion are reporting 90 plus days late on the XXXX/XXXX account number XXXX. The date of last activity was in XXXX, 2012. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
XXXX XXXX is reporting on a debt I do not owe. This debt is from Capital One and I had previously paid this debt with another creditor a very long time ago. This debt is not owed and needs to be removed off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I applied online for a checking account with penfed. Back in XX/XX/XXXX. I then received that they needed photo I.D . 
Social security card and utility bill to verify my identity. At the time of my application I was living in a cheap monthly motel room that I was receiving mail to. I sent in photo of my I.D . and social security card. I advised penfed that I was living in a monthly motel and I don't have any utilities. Everything is provided. Because I am living in a motel. 
So I also emailed them copies of the receipts for the motel Copy of the receipt from my XXXX debit card that one time I used to pay for the month showing the motel name address and my name Sent them my social security XXXX benefits letter Sent them copy of my XXXX XXXX statement showing the motel address I just found out that my account with them is still frozen and they still are hasstling me for documents I just again sent them Photo I.D Social security card And since I am living in a apartment now Sent them copy of my utility bill And my account is still frozen They are still demanding more documents From day one I had to pay a contribution because I am not a government employee or military member. I also used my XXXX XXXX debit card to fund the contribution I also used my XXXX debit card to fund the XXXX $ that I needed to open the account I have been on social security XXXX since XX/XX/XXXX I'm a victim of covert harassment and organized stalking since day one going on social security XXXX. Our corrupt government and the corrupt FBI agents have also made it look like I'm a victim of identity theft. They keep adding bogus information and bogus accounts. I have been documenting this for three years now I have XXXX and XXXX and was illegally XXXX in XXXX with XXXX XXXX for XXXX You can XXXX it So they have done everything that they can to ruin my life in every way possible and I believe this is also part of their doing All my accounts are hacked All of my phone are tampered I have my Florida I.D . 
still even though I am living in XXXX Ohio Because that address is my mom 's address who I lived with for long time And still go there and receive mail there when I need to I sent them so much documents when I first applied for the penfed account and when I was living in the motel

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 2019-06-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: CO

Complaint narrative:
Applied for a payday loan, with a 460 % interest rate. I received {$800.00} and have paid back {$840.00}. Due to the additional monies, felt already taken advantage of, have fallen short on my home. Please help The interest rate is not in line with the State of Colorado Attorneys Office and was told that this interest rate was illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriFirst Financial Corporation
State: OH

Complaint narrative:
We opened our first mortgage on a house with the loan servicing company Amerifirst. The loan amount was approx. {$170000.00} and we closed on the house XX/XX/2019. XX/XX/XXXX, we received a letter from XXXX XXXX notifying us that our mortgage loan had been sold to XXXX. At no point had we been notified by Amerifirst prior to the projected sale, and we have yet to date been contacted by Amerifirst to notify us of the completed sale. We confirmed the sale by calling Amerifirst directly and having them report to the status of the loan. We understand this is a standard process in loan servicing, but I was under the impression that a loan servicing company is required to notify the home owner of a mortgage loan sale no less than 15 days before the sale. We did not receive such a notification.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX XXXX XXXX AND XXXX XXXX XXXX DECEASED, WE ARE THE EXECUTOR 's FOR BOTH. XXXX XXXX XXXX XXXX STOLE MY PARENTS FUNDS AND WANT ALL MONIES IN CHASE BACK OR WILL SUE DAMAGES FROM YOU ALLOWING FRAUDULENT CONDUCT. SEE ATTACHED INFO

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: NJ

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2019-06-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax ; XXXX and XXXX are reporting 90 plus days late on the XXXX   account number XXXX. The date of last activity was in XXXX, 2012. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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:
XXXX ; Experian and XXXX are reporting 90 plus days late on the XXXX account number XXXX. The date of last activity was in XX/XX/2012. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please remove this line item from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12 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: UT

Complaint narrative:
I have not received any responses form Experian, XXXX nor XXXX. I have sent them everything they need, and I have received no response. They are required to respond to my disputes in a timely manner.

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 2019-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I submitted a complaint in XXXX regarding this same issue. 

In XXXX, right after my husband passed, I reviewed our finances and noticed that our loan amount was way off and did some research and figured out there was a fraudulent claim from Wells Fargo Mortgage. I have attachments to show proof. 

I'm attaching a document that is a request for release of deed of trust and release to the public trusty showing that we refinanced which we never refinanced. I did some research and the signatures are from XXXX XXXX and XXXX XXXX which you may know are part of the fraudulent cases out there. 

Another document that I am attaching today is a promissory note, according to Wells Fargo. There are two copies, so I'm not sure which one is the legal or if either are, for that matter. Please help me understand these " legal '' documents from Wells Fargo. 

I have two copies of disclosures that I am attaching. One was sent via mail from XXXX XXXX, a Wells Fargo agent, the other document was faxed to XXXX XXXX, when I went into the local office with questions. The two copies have different information about our so called refinance, which we didn't acquire. The copy from XXXX states that the amount of XXXX was given to my husband directly. The other copy that was faxed to XXXX XXXX states that XXXX was the amount of disbursements. Also, this document shows the amount of {$12000.00} was paid to Wells Fargo Accept. Where did amount come from and what is it for? 

Next, are checks that Wells Fargo claims are proof of our refinance. I don't understand these amounts and I need an explanation. We never refinanced. We borrowed {$15000.00} for a credit card. Since that day, somehow in XXXX, our home mortgage loan went from the amount of {$100000.00} to {$160000.00}. {$100000.00} plus the amount of {$15000.00} that we borrowed does not equal {$160000.00}. This is not correct and I need help. Wells Fargo claims that the same day we borrowed the {$15000.00}, we also refinanced. We did borrow, but we did not refinance. 

The last two attachments are from IRS showing our income, if it helps. 

I filed bankruptcy Chapter XXXX, and my house payment is about {$2000.00} monthly and I am trying to hold on to our home. Please help me. 

Thank you. I'm looking forward to hearing back from you soon.

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 2019-06-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I been getting around 8 calls per day to my cellphone, work and coworkers about a loan and keep getting automatic calls from a XXXX area code and saying they are federal agent and to contact them and leaving voicemail that there have a warrant and even gave me a docket number from court on voicemail. started on dates XX/XX/2019 and have been going on from them on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
I have had YEARS of trouble working XXXX mortgage now PHH. I'd like to SPEAK to a loan servicer regarding a refinance and/or mortgage pay off. I DO NOT want to go online and gather information but SPEAK to a human being and ask specific questions and get specific answers. That said, I've waited a total of 2 hours and 5 minutes over the last 2 days to speak to someone. According to PHH, there is, " a high volume of calls so the wait time will be lengthy. '' REALLY?? over two hours?? People have to work and not wait to speak to someone!!! Of course, if one was NOT to pay their mortgage, I'm certain they would be banging down the door to get paid. This company has been a thorn in my side for years because the lack of being able to quickly and directly talk to someone regarding very important finances. I recommend that NO ONE should ever have their mortgage serviced by XXXX/PHH, but then again, mortgages are often sold and consumers don't have a choice in the matter. This has been the WORST financial company I have ever dealt with and they should be ashamed about how they treat their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: NJ

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2019-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
I fell behind on my mortgage due to losing by business, Carrington never reached out to me to offer any assistance. I was never assigned a point of contact and was never told I could submit documents to be reviewed for assistance until I researched it myself. I feel as though I was never provided a fair chance or options to save my home and now I feel pressured to try everything I can in the short amount of time I have before the sale date to get something done. If someone from Carrington had informed me of my options I would not be in the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I noticed the fraudulent account on my credit report on XX/XX/XXXX. It appeared on my credit report on XX/XX/XXXX via the Experian Credit Bureau. It stated that my account was 90 days passed due, that I owed {$3500.00}, and that the account was opened on XX/XX/XXXX. I called the number on the credit report and it lead me to XXXX, an Institution that I never heard of, they had no record of me based on my Social Security Number and my name. I have restoration services from MyIDCare and they verified that I had no account with XXXX ( XXXX XXXX XXXX XXXX XXXX ). They started a dispute on my behalf. I then received the results from Experian on XX/XX/XXXX stating that the information was accurate. I called my restoration team but have not been helped from then since. I called XXXX again and they told me once again that they had no record of me. They said that the company XXXX ( XXXX XXXX XXXX ) handled their accounts. I called them and they also have no record of my SSN. I called XXXX once again and was told that the account was from XXXX. I called XXXX and they have no record of my SSN. They did not want to give me more information on the account. I also noticed that Experian had a different Social Security Number that according to them was a " variation '' of my Social Security Number that they associate with my account. The SSN variation they have is completely inaccurate and is not even close to mine. When I attempt to call Experian I get put on hold for 10 minutes and then they hang up. This is not my account and Experian is the only credit bureau that seem to know of this account. XXXX and XXXX don't have it. I suspect this to be a mistake from Experian. I have no documents to upload because none of the companies that Experian states as accurate information have any record of 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 non-monetary relief