vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
CHEXSYSTEMS QUOTES RULES AND THIER PURPOSE WHICH I HAVE NO OBLIGATION TO PERFORM, CHEXXXXX OPERATES ON A PRESUMPTION, I DONT HAVE ANY CONTRACT WITH THESE DECEPTIVE MISCREANTS, CHEXSYSTEMS COMMITS 2ND DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX XXXX XXXX AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF CHEXSYSTEMS WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX BISNESS, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL XXXX XXXX XXXX AND GO XXXX XXXX WHILE XXXX XXXX ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE MISCREANTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have an XXXX store card and was supposed to be receiving 5 % cash back on all my purchases, I have not received any 5 % cash back promos since XX/XX/XXXX. After speaking to Synchrony I was told I do not have an XXXX XXXX, I do however have an XXXX XXXX account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: WA

Complaint narrative:
I was unemployed, and asked to be switched to Income based payments. XXXX instead put me on forbearance and causing me to incur interest and late payments on my credit score. Having a significant negative impact on my credit score. If I had be put on the Income Based Repayment plans, I would not have incurred more interest and not have missed payments on 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 explanation
Consumer complaint received 2018-02-28 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I was unemployed, and asked to be switched to Income based payments. XXXX instead put me on forbearance and causing me to incur interest and late payments on my credit score. Having a significant negative impact on my credit score. If I had be put on the Income Based Repayment plans, I would not have incurred more interest and not have missed payments on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I was unemployed, and asked to be switched to Income based payments. XXXX instead put me on forbearance and causing me to incur interest and late payments on my credit score. Having a significant negative impact on my credit score. If I had be put on the Income Based Repayment plans, I would not have incurred more interest and not have missed payments on 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 explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
At the end if XXXX I received my mortgage escrow analyse. It appears that there was a shortage of {$800.00} on my escrow account. My payment was going to go up {$150.00} this year which I could not really afford. I called my mortgage company on XX/XX/XXXX of this year to ask about the shortage. They told me they mistakenly had left off my home owners insurance payment and that caused the shortage. They told me I could repay it back with in 24 months. I told them do that and that I would also like the bank to pay part of that shortage because it was their mistake. Throughout XXXX they never changed the repayment to 24 even after several phone calls and they refuse to reimburse for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX QUOTES RULES AND THIER PURPOSE WHICH I HAVE NO OBLIGATION TO PERFORM, XXXX OPERATES ON A PRESUMPTION, I DONT HAVE ANY CONTRACT WITH THESE DECEPTIVE MISCREANTS, XXXX  COMMITS 2ND DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX  XXXX XXXX AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF XXXX WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX BISNESS, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL THIER XXXX XXXX AND GO ROUNDY ROUND WHILE THIER XXXX ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE MISCREANTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
THIS IS A DEBT THAT IS NOT RIGHTFULLY MINES. I requested validation and not just verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully requested that the offices provide me with competent evidence that I have any legal obligation to pay them and also provide me with the original contract with my identification and or drivers license with my signature. they have failed to do that. i've requested numerous validations from them. and this has been put on my credit report. after they have removed it. I HAVe TRIED TO CONTACT XXXX XXXX TO RESOLVE THIS MATTER AND i am not getting any results. this situation is preventing me and my children from moving forward with out life. its hindering out progress with obtaining housing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
Nissan Motor has been consistently reporting my auto-loan as delinquent sine XXXX of 2017. However, I have been making my monthly payment before the due-date every month. Every month that I call in, I pay Nissan exactly what's due prior to the due-date, but they somehow can not seem to report my pay history correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: ERC
State: OH

Complaint narrative:
On XXXX I switched my cellphone service from XXXX to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX offered an switcher program that allows XXXX XXXX XXXX to buy your phones from XXXX and pay your remaining cell phone balance. 
All of the necessary measures were taken from my end which required me to cancel service with XXXX, complete the switcher program online, and turn in all XXXX of my cellphones via mail. I have a photo of the box I sent through XXXX and the tracking information stating that the phones were delivered to XXXX XXXX XXXX. 
I never received credit for my cellphones and I have a remaining balance ownd to XXXX of {$2400.00}. This balance has now sent to collections and I never received any resolve from XXXX XXXX XXXX. I did receive confirmation that the cellphones were in the factory but they had to check the phones to make sure they were in good shape to receive full credit. All the phones were like brand new and I had only had them for about 3 months before switching over to XXXX XXXX XXXX. 

I spoke with XXXX local XXXX XXXX XXXX store managers and there was no resolve. I was referred to call XXXX XXXX about receiving credit for my phones and last payment. I spoke with multiple people which I have documentation of who and when I spoke with them again with no resolve. 

Lastly I spoke with corporate of XXXX XXXX XXXX which was the Executive Response Manager for my case and she explained that they had my cellphones and that they were behind in their work and they would get back to my case. After several email attempts she stopped replying to my emails after all the necessary information was presented to her. 

I now have this debt on my credit report and my cellphones were basically stolen by XXXX XXXX XXXX leaving me in financial grief and frustration. 

I am looking to receive {$2400.00} from XXXX XXXX XXXX to pay off the creditors and clean my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: CA

Complaint narrative:
I received at letter dated XX/XX/XXXX Notice of Assignment to a Collection Agency for {$75.00} for a violation of toll crossing XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, WI XXXX. It stated Ca XXXX XXXX XXXX crossed the bridge without paying at XXXX hours. We have never owned this vehicle or crossed the XXXX XXXX on this date. I called XXXX of XXXX XXXX XXXX at XXXX XXXX XXXX XXXX today at XXXX A.M.and she stated she would take care of the account # XXXX and delete the charges. I have also sent a followup letter to the company in question. As a retired XXXX XXXX employee I researched the company and found several fraudulent activities alleged against it. 

As a senior citizen and retired XXXX XXXX I would like to file a formal complaint against this company who are clearly trying to bilk California 's out of their hard earned money. 

Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: IL

Complaint narrative:
Discover card company added a so called " payment protection fee '' into my account since 2006 without any types of permission from me. I was charged this kind of fees since then which I just found it until recently, I never checked my monthly statement in the past 12 years until XXXX weeks ago .... 

I assume that any service or products offered by credit card company can only be added into/charged into clients ' account with confirmation from customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened a new business checking account with Chase Bank on XX/XX/2018. 
I supplied all the information that the bank requested at time of opening. 
Since the account was for an LLC, i presented the following ; 1. ] Articles of Organization 2. ] Federal E.I.N. number 3. ] Nevada Secretary of State registration documents 4. ] Trust documents showing that the LLC is owned by a trust The account was opened and an initial deposit of {$1000.00} was made. 
Was notified about a week later that the bank wanted a copy of a rent receipt for the LLC. 
This despite the fact that I informed them at opening the LLC was merely a holding company for various securities [ stocks and bonds ]. 
Since the bank had opened XXXX business checking accounts for me for the same LLC over the past XXXX years, I feel that the bank mislead me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A.
State: MI

Complaint narrative:
XX/XX/18 I was charged a {$33.00} stop payment fee that I attempted to process in my account online. I was attempting to stop a recurring preauthorized fee from coming out of my checking account by XXXX XXXX   XXXX. I was told there was an error on my behalf with attempting to do this online in my account. 

The bottom line is the stop payment did not process and the funds came out anyway. My issue is I was told by the bank though the stop payment was not done I had to pay {$33.00} for just going onto the web site within PNC. 

Who has money to give a bank to pay for something not done. 
PNC XXXX Account # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
DiTech is my loan servicer. I have been over the 15 day grace period and charged a late fee. When paying the full payment plus the late fee after the 15day grace period they provide zero options to pay the late fee or put notes for the overage to be applied to the late fee. They keep putting the overage on the escrow or principle balance instead of the applying to the late fee. They claim the process is to call in and have them re-apply to late fee after the payment is made on line. Even after calling them to verbally have the overage re-applied to the late fee they do not provide any confirmation number and they still don't re-apply the overage. This has happened on several occasions. If a mortgage company is to take online payments I find it concerning they do not offer the ability to pay a late fee, and when calling them, it is still not re-applied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
I sold some computer networking equipment on XXXX in XX/XX/2017 to a buyer. this buyer kept my equipment for a few weeks and then decided to try to get a refund. I have a strict policy on eBay for computer networking equipment of no returns, for the reason that people can buy the equipment and use it for temp purposes and then return it. The buyer opened a case with XXXX and XXXX closed his case finding that I followed proper procedure and did not need to issue a refund. The buyer kept my equipment and filed a credit card dispute with his bank and did not return the equipment to me or even attempt to. PayPal who handles transaction for XXXX immediately charged me and put my account in negative before anything was decided in this dispute from the credit card company. PayPal continues to charge me late fees and weekly emails about sending me to collections unless I pay this debt. PayPal has done nothing to protect the consumer and especially the seller in this case. I have called PayPal multiple times about the weekly emails and the case is still open but I am being held responsible for this negative balance. The policy is backwards and left the consumer and seller with a mess on their hands. As the seller I don't have the equipment that was shipped, used and still being used from the buyer and left to cover the shipping cost and the cost of the equipment. PayPal is the worst customer service organization I have ever dealt with and the protection of consumer rights is being violated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: A-1 Premium Acceptance, Inc.
State: WI

Complaint narrative:
They told me that my payments on a XXXX loan would be {$250.00} per month for 7 months, They email me the documents which showd the 7 payments, After they took antother payment two weeks later, I called and they said my payments were actually 14 biweekly payments of XXXX  each. Reviewing my loan documments shows that these addtiional bieweekly payments were grayed out. So i did not see them. After making three payments I sent them a letter advsing them that I would like for them to uphold what they told me. They refused to do it.

I have place a stop payment through my bank, and sent Kings Of Kask the following : XX/XX/2018 XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, WI. XXXX Kings of Kash XXXX XXXX XXXX XXXX XXXX, MO. XXXX RE : Account # XXXX Revocation of authorization for debits To Whom It May Concern : Please stop taking automatic payments from my bank account for payments to my account with your company. My account number with your company is XXXX. I am writing to inform you that I am revoking authorization for you to debit my account via electronic funds transfer and by checks : This revocation applies to any and all future debits.

If yo would like to re-create the terms of the agreement please contact me by writing.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: HW Holding, Inc
State: FL

Complaint narrative:
ever since we moved to Florida in XX/XX/XXXX we have been living at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Fl.XXXX in XXXX I had a XXXX XXXX done, and in XX/XX/XXXX I XXXX XXXX found out that they were some XXXX XXXX by some of out tenant, I went to the main office and question their staff and was told that is was true. I asked them if they were going to take the to court to remove them from the complex and I was informed by the staff that they were going to wait to their lease was over and terminate their lease, so I felt that XXXX XXXX XXXX was not thinking of their other tenants. they were placing my life in danger, I did not renew my lease and moved out in XXXX XXXX XXXX. they placed me with a collection agency Hunter Warfield to collect and extra month because I did not tell them that I was moving from the complex before my lease was up in XX/XX/XXXX. the collection agency placed my account with the credit bureau before they contacted me. 
I had been sending XXXX a month for the last ten months and now Hunter Warfield informed me that my payments were not enough and they would send it to their legal department. 
what recourse do I have as a consumer. 
Sincerly XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: Mandarich Law Group, LLP
State: OR

Complaint narrative:
On XX/XX/XXXX a Lawsuit was filed against me by XXXX , XXXX as the " successor-in-interest to the original creditor, XXXX. Represented by Mandarich Law Group : Attorney XXXX XXXX. 
The lawsuit was for a " Prayer Amount : {$760.00} '' The Summons and court filing was my first awareness of either company. 

After months of paperwork filings and court proceedings ( which I have copies of it all ) a ruling was presented : " The court entered a Judgement - General Dismissal on XX/XX/XXXX in the court register. '' This credit reporting needs to be removed from my credit report. As of XX/XX/XXXX they are still reporting this account. 
In the mean time a new Attorneys Office XXXX XXXX XXXX has been contacting me regarding the same account claims from XXXX , XXXX. So, even after the lawsuit and judgement XXXX XXXX has sent a new attorney to harass me for the same case. 

In calling XXXX ( the reported original creditor ) to get this removed from my credit report following the court ruling, I was informed that they where not responsible for the information any more and to call the debt collector who purchased the account from them, XXXX XXXX. 
XXXX XXXX does not respond to the information and claims that The Mandarich Law Group is who to talk to, and they are unresponsive. 
In calling XXXX XXXX XXXX they are still harassing me for the same case that the court closed. 

I have been getting the run around and passed off by every person ( company ) involved in the situation. I would like for this information to be removed form my credit report as it has been closed by the Circuit Court, ruled in my favor, and all of my attempts at communication have been overlooked or passed on to someone else. 
The claim/account does not have any validity and can not legally keep getting passed to different law firms regarding the same claims. No validating information was ever presented by XXXX XXXX, XXXX, The Mandarich Law Group : Attorney XXXX XXXX or XXXX XXXX XXXX, hence the court ruling in my favor. A court ruling has been decided as " Dismissed '' and all parties need to adhere to the ruling.

Company response to consumer: Closed with explanation