vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I wanted to make CFPB aware of the practices of the XXXX store card offered through Sycrhony Bank. They add-on credit protection services with a letter to cancel within 90 days. I generally prefer not to associate with institutions that would add-on a service without consent and require an opt-out. This is a deceptive practice. I cancelled my card. I just want this on public record and if enough people complain hope that CFPB will look into Synchrony.

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 2019-03-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBHS Home Loans, LLC
State: TX

Complaint narrative:
Claimant allegedly became obligated for a loan on XX/XX/XXXX, however, the alleged NOTE was not signed until XX/XX/XXXX. 
An alleged, loan servicer was assigned on or about XX/XX/XXXX, to collect payments on the alleged loan, and claimants made " good faith '' payments under the assumption that a valid debt existed. 
Claimant sent NOTICE to the President of the company that was the alleged lender on the NOTE on XX/XX/XXXX, by certified mail, requesting clarification of the NOTE terms, no valid clarification was received. See Exhibit A Claimant sent a second NOTICE to the President of the alleged loan company, by certified mail, on XX/XX/XXXX, seeking clarification of the alleged debt, no valid clarification was received. See exhibit B Claimant sent Notice to the Title Company that performed the Closing on the alleged Loan on XX/XX/XXXX, requesting specific information about the alleged loan for verification purposes. No response was provided. See Exhibit C Claimant sent a second Notice by certified mail, to the Title Company for a response on XX/XX/XXXX, no response was provided. See Exhibit D Claimant sent the alleged Servicer a Qualified Written Request ( QWR ) by certified mail on XX/XX/XXXX, the debt was not validated nor did the Servicer provide the name and address of the NOTE HOLDER. See Exhibit E Claimant sent the current alleged Service a QWR on XX/XX/XXXX, by certified mail the alleged debt was not validated nor did the Servicer provide the name and address of the current NOTE HOLDER. See Exhibit F Claimant sent a Notice of Error and Demand for Proof of Claim by certified mail on XX/XX/XXXX, to the current alleged Service. No valid response provided. 
The current servicer who is a third party " debt collector '' failed to send notice of claimants right to dispute the debt in accordance with 15 U.S.C 1692 .The current alleged servicer is sending threatening letters of acceleration of the debt and foreclosure for unpaid alleged loan payments.

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 2019-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2019 I was made aware that Equifax placed an account back on my credit file which had been removed months ago, that account is : State XXXX XXXX XXXX XXXX. 

This is a fraudulent account and now it reappears on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: TX

Complaint narrative:
In XXXX my wallet was stolen. It contained my credit cards, debit cards Drivers License and Social Security Card. I canceled the credit cards, got a new drivers license and social security card. Upon reviewing my credit reports, someone has been applying for credit cards several times in my name creating fraudulent inquiries. Luckily, it looks as though only 1 account was opened in which the bank immediately closed and the credit angenies took off of my credit report. However, all of these fraudulent inquiries remain. I have taken all the necssary steps including sending a dispute to the credit reporting agencies ( all 3 ) by certified ( Priority Mail ), filing a police report with the XXXX Police Department, that should be at the agencies no later that XX/XX/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 2019-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: IA

Complaint narrative:
I was injured on XX/XX/XXXX and required emergency XXXX on XX/XX/XXXX which caused a hospital stay and for me to be out of work for 12 week as I was completely XXXX. I have my mortgage through AmeriHome Mortgage and contacted them immediately I believe around XX/XX/XXXX to get loss mitigation/forebearance plan processing as I was going to be out of work and unable to walk for that matter. I submitted all of the necessary documents and was told it would take 30 days. I received information back stating I had made error which i corrected and sent back to them. I called weekly asking if they had all the information they needed and was told yes each time. They told me then they had 30 days from XX/XX/XXXX to make a decision. Meanwhile, I had been getting foreclosure letters in the mail every other week, had been continued to be told nothing else was needed, was signed on my credit report, and was told on XX/XX/XXXX one day before a decision was to be made that they needed a proof of hardship which I got to them. I called them and told them I did not have access to fax machine as i could not even walk. They told me to upload documents and send via email and put on subject line loss mitigation along with my account number. Spoke with a very nice lady on XX/XX/XXXX who told me they had not received my documents and note said I would fax them which clearly could not have happened so she was going to try to get it handled for me. I continue to have no answers almost 90 days later, my credit score has been impacted and this has not at all been good for my recovery especially mentally. Dealing with them has been a nightmare and no one can help me or give me answers. They ask if i have friends I can borrow from? Which I think is totally unprofessional and acceptable given they are suppose to be helping me. They have been punishing me for being injured and I would like this cleared up as soon as possible. I have not backed down and have worked with them and gotten them everything they need in a timely matter even with being laid up for 12 weeks. This has taken a toll on my mental health and in no way seems just or fair. Please advise! Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: PA

Complaint narrative:
My husband and I got a pay day loan cant afford to pay on it and they call me minute after minute with different numbers and in known numbers from XXXX XXXX through out the day even in XXXX First American loans XXXX Ohio Under XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/XXXX RE : XXXX Complaint against Macy 's Hello, I did not appreciate CFPB closing this complaint before I was done. 
I am paying Macy 's although I do not owe the money. They are a huge company and very aggressively attacking me. How can I pay a dept that, first, I do not believe is mine, and second, they will not send me a statement! 

When I called Macy 's I was told I had a balance of {$160.00}. I sent payments equaling {$170.00}. I received a letter from XXXX XXXX, from Macy 's, dated XX/XX/XXXX saying I still owed {$56.00} and about 20 pages from when I had an account back in XXXX. All useless. 

I am paying the {$56.00}. NOT because I owe it, but to get rid of them. 

I want to thank CFPB for getting this to the point of resolution. Macy 's ignored me, refused to email me using my new email address, refused to mail a statement to my physical address, which they have. 

It took CFPB to get to the right address and person. Although the outcome gives Macy 's {$56.00} it is a small amount to pay to have Macy 's leave me be. 

Thank you so very 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 2019-03-30 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: NC

Complaint narrative:
XXXX XXXX refuses to consider the information I provide to them showing the payment of my account to XXXX XXXX XXXX as XX/XX/2019 they are reporting inaccurate credit information for over 60 days and are failing to conduct an investigation. The account has never been investigated and the company who owns the debt has never been contacted all are violations of FCRA this account has gone unverified on over two rounds of disputes by law it must be deleted immediately.

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 2019-03-30 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: ID

Complaint narrative:
I was buying a car without financing and the dealership pulled my credit without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
FYI to CFPB ONLY : I am still being harrassed by XXXX XXXX XXXX  in XXXX for disputed issues on a XXXX  in late XXXX thru XXXX. 

XXXX XXXX ignored my dispute and complaints of my acct being frauldulent handle and they refused to address issues. DURING disputes bank : BANK actively sent acct thru credit bureau WHILE i was actively disputing acct in XXXX ... .30/60/90 days and a Hit on my credit report in XXXX, THEN showed for non-payment on false/disputed acct. 

How can a bank make their own rules and harass consumers at will? 

FYI, i will keep you posted on situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express has a promotion for their Every Day card for 0 % interest for 15 months and zero balance transfer fee. No where in the marketing, application process or card member agreement is it stated that there is a {$5000.00} total balance transfer limit. Consumers only find out about the limit when the try to transfer a balance ; after a hard inquiry on their credit report and after being approved. I would not have applied for the card had I known there was a limit and now there is nothing I can do to reverse the hard inquiry on my credit report which has a negative impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has my XXXX XXXX XXXX on hold. 
evidence of State of California California XXXX XXXX XXXX XXXX XXXX was wired on Friday.XX/XX/2019 to Bank of America. 

Bank of America will not release my XXXX funds of {$4300.00} to my corrected account # XXXX. 

I am XXXX XXXX and 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 2019-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/2019 I made a booking on XXXX for XXXX XXXX XXXX KY stay. Unfortunately during the check out the price was not discounted by {$20.00} as per offer sent to me ( attached ) despite all criteria being met. I called the Wells Fargo customer service with intention of disputing the purchase and the bank failed to dispute it. On first contact, the representative indicated that she will be the one arranging and handling the dispute and when I gave her all the info pertaining to the transaction I was told that I am going to be transferred despite what was indicated to me a few minutes earlier. When I have heard this info I requested to be transferred to the supervisor and confront the bank why the info given to me at the beginning of the call was misleading. As result of the conversation that transpired next I was told that the real motive for giving me a incorrect and misleading info was the WF to weed out unauthorized and compromised card use and not to initiate the dispute process as I am entitled to under the credit card user agreement. 
When I was finally told that I will be transferred to the dispute dept to initiate the dispute process I was put on a very long hold and then subsequently the call was disconnected. 
I got a follow up call shortly after from the CSR of which the purpose was made unclear to me. 
Personally I think it is reprehensible that the WF is preventing consumers to dispute purchase by providing not only misleading info to the consumers but using the calls for the purpose other than declared. This clearly shows the WF culture as not only contrary to what is stated as its operating procedures but perhaps even violating state and federal laws. The company should make it CLEAR what is the dispute process methodology right from the beginning instead of making the process cumbersome and misleading which I believe is done on purpose to dissuade consumers from dispute process.

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 2019-03-30 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: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to 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 monetary relief
Consumer complaint received 2019-03-30 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: Ditech Financial LLC
State: CO

Complaint narrative:
Ditech is currently reporting a closed account ( closed XX/XX/2017 ) as " Pay Status : >Account 30 Days Past Due Date< '' This account has been closed and paid in full for two years and now shows the current status as 30-60 days past due. Our credit score has  dropped on all three reporting agencies 40-70 points. We have disputed several times with the agencies and Ditech just " confirms '' the information. I have written and called Ditech several times with no avail. We need help PLEASE! This is being reported on both my Husbands and my reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Today is XX/XX/2019. My name is XXXX XXXX, Address:XXXX XXXX XXXX. XXXX XXXX VA XXXX. 
I attempted various times to solicit my free annual credit report through the web site hosted by the 3 big repository data collection agency specifically TransUnion because and have found their system is constantly down. They ( the three credit bureaus make a lot amount of money from collecting my and other consumer information and can't do something as simple as maintaining a functional website which is unacceptable and Congress should do something about this. I am allowed 1 free credit check report per year and I have used the other 2 within the past year and Transunion report will not allow me to log in and get my 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 2019-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A debt collection agency known as XXXX XXXX XXXX, also known as XXXX claims that I owe debt. The debt includes {$510.00} on XX/XX/XXXX, {$490.00} on XX/XX/XXXX, {$350.00} on XX/XX/XXXX, {$510.00} on XX/XX/XXXX, and {$200.00} on XX/XX/XXXX. The creditor that originated the debt is known as XXXX XXXX of Florida. I tried to contact the creditor however, had trouble locating this business. I called XXXX on several occasions in regards to the debt. I explained that I am unfamiliar with the business that submitted me to collections and have never had services rendered from the creditor that is claiming the various amounts according to the specified dates. Furthermore, the debt collection letter indicates my first name correctly, however, the last name does not match with my actual last name. I contacted XXXX, to inquire about the debt and explained my concern. XXXX requested me to provide my social security number. I provided them with this information and then they explained that my social security number does not match with their records. Thus, they advised me to contact TransUnion. I contacted TransUnion to file a complaint against XXXX, explaining that the debt collection that is on my credit report does not match up with me, the individual. The debt collection letter has a totally different last name, not misspelled. Also, the social security number that XXXX, the debt collection agency, has on file does not match up with mine. Thus, my last name does not match up nor does my social security number. TransUnion 's investigation concluded that the information from XXXX is accurate. How can this be? The last name and social security number does not match my identity. In addition, I have never had services from the claiming creditor. In conclusion, the charges against me are fraud and TransUnion has done nothing to help me after I fully explained the same information as I indicated in this summary.

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 2019-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I do not have a signed contract nor any contract with Ability Recovery Services , LLC. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with Ability Recovery Services , LLC. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED item listed is not removed from my credit report within 10 days.

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 2019-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC
State: CA

Complaint narrative:
I have been disputing a debt that has been falsified with information created by the creditor. I have never provided any of the disputed information to them but they have a electronic contract. I asked for there method of verification and other disputed letters sent to them and they sent me the contract which is my first time ever seeing such contract. I noticed the contract was built and established by them creating a false contract placing in career trade, address, girlfriend, employment, reference person, phone numbers, email, ect. I made a police report addressing the falsified information made by the creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: AZ

Complaint narrative:
I have a derogatory account reporting on my credit that is not mines. I do not recognize this account and neither have I ever opened this account on my behalf. The information being reported is inaccurate and does not match me. I have reason to believe this is a result of an identity theft.

Company response to consumer: Closed with explanation