vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
on XX/XX/2018 I submitted {$40.00} to my XXXX and XXXX visa card account dispute the cycle date update not being shown ( I did this in order to try to get ahead and not pay so much at the end of the month when payment is due ) I made another payment of {$110.00} on XX/XX/2018, 3 days before the payment date for a total of {$150.00} which was due at the time. 
on XX/XX/2018 I received an email about not making my payment, I just ignored as someone making a mistake, but just be sure I checked my account and was shocked to see that I owed a large amount although I had already paid for the past month and I immediate access my account website and start a chat in order to find out what was going on, the chat didn't work out due to tech issues. so once got home I phoned XXXX / XXXX and was told that I owed more them {$200.00} that was past due, I tried to tell the man that it was a mistake and was told that I had submitted {$40.00} before it was time to submit the amount, I was like what wrong with submitting a payment early and the call soon turned into a shout match on my part because I couldn't understand what I had done wrong. soon after I received a letter via the postal mail stating that my credit line had been decreased and I knew it was the early payment for the letter and decrease ( I don't care what they said about the credit reporting and other crab!!!! low score!!! etc. ) what XXXX / XXXX is during is illegally and not making sense, I want my {$750.00} credit line decrease to be restored plus all the so call late fee 's that I got hit with that totals almost {$400.00}. I tried once again to talk to XXXX / XXXX on XX/XX/2018 and was told in no uncertain terms to pay {$40.00} that was overdue and another {$220.00} by XX/XX/2018, the clerk I spoke to sounded like she was having fun at my expense, enough is enough!!! I been with XXXX for years and never had an issue until now ( synchrony bank  ). and always paid on time.

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 2018-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
I found out that my loans, now transferred to XXXX XXXX  from XXXX, have now had their clock restarted at month XXXX for making the 120 qualifying payments. I am almost finished my 10 years since paying the loan and now I find out that I am starting at the very beginning! There were several discrepancies. At several points my loans were placed in forbearance not of my choosing ( XXXX says that XXXX may put my loan in forbearance without my knowledge at any time ). They have lost almost 2 years of payments when my loan service provider had a different name ( XXXX used to be XXXX XXXX from the dates XX/XX/XXXX to XX/XX/XXXX ) even though I have the email confirmations of payment. Plus the fact that I USED to be on an income repayment plan when I re consolidated my loans and that seems to have disappeared off of my record. This is absolutely horrible! I am working as a XXXX at a XXXX   XXXX  where I could have used my XXXX XXXX XXXX in a private sector job. I wanted to work for my alma mater and love working in XXXX XXXX. It seems that many were duped by the PSLF and apparently there is nothing I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account ALLY FINANCIAL XXXX which has been deleted by XXXX   and XXXX. XXXX  and XXXX have both completed their research and determined that ALLY FINANCIAL was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-12-18 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 has been non-compliant with removing the unverified account XXXX   XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Loancare LLC began servicing my mortgage as of XX/XX/2018. I received a letter via USPS dated XX/XX/XXXX containing a XXXX form with information fields populated containing personally identifiable information including my name, address, SS # and mortgage loan account number. Loancare wanted this form signed then mailed back via USPS. All this information can be used to access the account via telephone. This is likely a violation of numerous regulations including the Gramm-Leach-Bliley Act among others. I called Loancare to express my concern over their disregard of customer data protection and requested to speak with several executive managers by name over the compliance and data security practice areas. Loancare would not connect the call and instead gave misleading information about sending such data via US mail with no regard for protection.

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 2018-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: The Bureaus, Inc.
State: PA

Complaint narrative:
THE BUREAUS INC Account number XXXX- Is reporting an erroneous collection on my credit report .... I have resolved it with the original creditor XXXX a few months ago. I called THE BUREAUS to ask them to remove this collection since it is null and not accurate, the bureaus could not validate this account kept asking for my social and rude lady screamed at me threatening to send a cop and arrest me. Now they are calling my work, my parents house event my aunt 's house who has a heavy XXXX accept collector called her names and accused her of disspeacable things threatened to arrest me if she didn't give her my social number and a credit card to pay this balance.. isnt ' this illegal ... I sent them letters of dispute which came back undeliverable from the address that is on the credit report. please help and stop this horrible collection company from being in the business in first place

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been fighting XXXX  & Equifax about and account that should not be reporting on my file. There are two XXXX Accounts one with a partial account number of XXXX reports opened XX/XX/XXXX and the other is XXXX which shows opened XX/XX/XXXX both are indicating I was an authorized user and at no time did I ever apply or hold an account with XXXX. Why are these still on my credit report?? They are not mine, I never gave consent and they need to be removed. Anyone can put a person on their account without the knowledge of a person and then go late and then it effects their scores? THESE WERE NOT MY ACCOUNTS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: VA

Complaint narrative:
Myself XXXX XXXX and my wife XXXX XXXX were stationed at XXXX XXXX XXXX with the XXXX XXXX. I am still currently XXXX. We rented a house from XXXX XXXX XXXX located in XXXX XXXX, XXXX on XXXX. The address of the property was XXXX XXXX XXXX XXXX, XXXX XXXX. Upon receiving orders to our current duty station at XXXX XXXX, XXXX I gave XXXX the proper notification and established an appointment for a move out inspection for XX/XX/XXXX. The move out inspection was completed and signed by both parties to include XXXX XXXX XXXX. approximately 35 days on XX/XX/XXXX I received a bill from XXXX   XXXX XXXX for {$1600.00}. The damages from the Move-out inspection agreed to by XXXX XXXX XXXX would entitle me to {$800.00} of my initial deposit. The bill for damages did not arrive until XX/XX/XXXX which exceeds the 30 day limit by XXXX XXXX. Due to XXXX  exceeding the time line of the damages XXXX XXXX  states I am entitled to 11/2 times the deposit in damages by XXXX. The amount billed by XXXX  of {$1600.00} was in addition to XXXX XXXX XXXX withholding my initial security deposit of {$1900.00}. I first contacted their financial department with a letter disputing claims due to the close out inspection which is including in their contract. After they replied with pictures and ignoring the closeout inspection and including damages that were caused due to XXXX  workers that were hired to fix work orders and. I then contacted a JAG Lawyer Captain XXXX XXXX from XXXX XXXX XXXX who decided to provide legal assistance. CPT XXXX also called, emailed, and sent a letter to emerald property to include all evidence that proved XXXX XXXX to be erroneous in their attempt to collect on the debt. XXXX XXXX XXXX then sent the debt to collections without notifying me that they were going to do so or contacting Captain XXXX. I received a letter from Hunter Warfield Debt Collections  on XX/XX/XXXX. Captain XXXX XXXX then had to write a letter to Hunter Warfield stopping the collection under the fair Debt Collections Act. All evidence provided XXXX XXXX XXXX fails to address the correlation between the move-in and move-out inspection which violates their own contract which requires a move-out inspection which requires both parties to agree upon damages.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I opened a Capital One Money Market Account. Met all of the terms for the {$500.00} bonus, but Capital One refused to give me the bonus. The terms state that you need to deposit XXXX by XX/XX/XXXX. I deposited XXXX in a few transactions, then reached out to get the status of when I would receive my bonus, they said I did not meet the terms. They stated that my account did not have a balance of XXXX. No where in the terms does it say I need to have a balance of XXXX, only XXXX in deposits. Please see the attached PDF with the offer and offer terms. You will see no where in the requirements does it say the word " balance ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America is reporting to the credit bureaus that I have been late with my payment for more than 90 days and late 15 times. All of this reporting is false.I purchase the house in XX/XX/2017 from XXXX XXXX XXXX for {$130000.00}. I took out a loan from XXXX XXXX to make the payment. I have been paying XXXX XXXX {$1700.00} every month since then. Bank of America is saying they still own the home and that I should continue to pay them monthly. I have a Title and Deed of Trust from XXXX XXXX XXXX stating that I own the home and XXXX XXXX is the lienholder on the house. Meanwhile, Bank of America continues to report to the credit bureaus that I owe them on their mortgage and they are destroying my credit rating. I am trying to purchase a new home for my family and I am not able to because of the late reports on my credit from Bank of America. I make my payments to XXXX XXXX every month and I have never been late. 
I have a case number with Bank of America Case # XXXX. I have been dealing with a person named XXXX and XXXX. Neither one is forthcoming to help or get this resolved. 
Regards, XXXX 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 non-monetary relief
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Accounts Management Services
State: CA

Complaint narrative:
AAMS XXXX {$2400.00} I DONT OWE THIS COMPANY ANY MONEY, IM REQUESTING THIS ACCOUNT TO BE REMOVED FROM THE CREDIT REPORT.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
The collection agency representative could not get me on the phone so he/she proceeded to speak with my wife about my debt/account. My wife is not an authorized user on my account or authorized to speak to anyone on my behalf. This has happened twice. They tried to get her to authorize a payment arrangement on the account. She told them they should not be speaking to her and asked that they call me instead. They insisted that the laws allow them to speak to her in my absence. 

The most recent call was XX/XX/2018 and the one prior was about 2-3 weeks ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been fighting TransUnion & XXXX  about and account that should not be reporting on my file. There are two XXXX Accounts one with a partial account number of XXXX reports opened XX/XX/XXXX and the other is XXXX which shows opened XX/XX/XXXX both are indicating I was an authorized user and at no time did I ever apply or hold an account with XXXX. Why are these still on my credit report?? They are not mine, I never gave consent and they need to be removed. Anyone can put a person on their account without the knowledge of a person and then go late and then it effects their scores? THESE WERE NOT MY ACCOUNTS!

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 2018-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I have an account on my credit reports showing in collections, that I do no not recognize. The specified details on this account seems frivolous. It appears to be utility services through XXXX in which I have never used them as a service provider.

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 2018-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX

Complaint narrative:
On Wednesday XX/XX/XXXX ; Rausch, Sturm, Israel, Enerson and Hornik filed a debt claim lawsuit on me in XXXX County, Tx ( Case XXXX ). The claim stated that it was made on behalf of XXXX XXXX  and XXXX on a credit card that I previously owned. It wasn't until I began to receive solicitations via United States Postal Service offering their services to represent me did I find out about the lawsuit. 

On Wednesday XX/XX/XXXX at XXXX CST, I contacted XXXX XXXX XXXX at XXXX. During this phone conversation, I was advised that XXXX  was no longer in control of the debt and that it had been turned over to debt collection offices of Rausch, Sturm, Israel, Enerson and Hornik.

Rausch, Sturm, Israel, Enerson and Hornik has never advised me that they were assigned, purchased, or otherwise took over this debt. At no time did Rausch, Sturm, Israel, Enerson and Hornik provide me with : The amount of the debt. 

The name of the creditor to whom the debt is owed. 

A statement that, unless I dispute the validity of the debt, or any portion thereof, within 30 days after receiving the notice, the debt will be assumed to be valid by the debt collector. 

A statement that, if I notify the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer. The debt collector must mail a copy of this verification or judgment to the consumer.

A statement that, upon my written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

It is my belief that Rausch, Sturm, Israel, Enerson and Hornik violated section 809 of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The week of XXXX XXXX XXXX, I went into the XXXX XXXX XXXX XXXX dealership to meet with a salesman about a used XXXX truck. I immediately imformed him upon seeing the truck that I would not be able to afford the truck. I told him that I was already working with a lender and where my payments and price needed to be. He said that he felt that he could get the payments down to where I needed them to be. I specifically told him NOT to run my credit. He returned and imformed me that someone in their financial department had ran my credit anyway, and now I have 3 hard unauthorized hits against my credit due to they're neglagence. Further more, the lender at the local branch of XXXX XXXX XXXX XXXX with whom I had been verbally given an approval of up to XXXX dollars, can now only aprove me for XXXX dollars because when the dealership ran my credit, they apparently ran it through the corporate level of the branch I was dealing with and denied it, now limiting what my loan officer can do and damaging my buying power. I have four total hits against my credit and there should only be one for the above mentioned date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
On XX/XX/XXXX A contract was signed with XXXX. My contract was good until XX/XX/XXXX. On XX/XX/XXXX the FTC of XXXX shut down XXXX because it was a scam. Chase Credit card services contacted the merchant and the merchant responded that they would not refund me the money. 

When the FTC shuts down a company they freeze all the money of that business. The merchant could not refund my money even if they wanted to because of the freeze on all their accounts. 

I was not asking for the merchant to refund the money I was asking Chase to refund the money. I have been involved in this dispute with Chase since XX/XX/XXXX. Each time they ask for the same paperwork because they can't keep track of the paperwork I have sent them. I have submitted paperwork substantiating my claim for a refund. Each time they say they don't have the paperwork so I send it again. How can a company refuse a refund when they can't keep track of documentation supporting the dispute. 

I had a year contract with XXXX I sent Chase specific documentation of what services I received during that time period and what services had not been received. I sent them the signed contract, letters, invoices, FTC paperwork etc. The proof they have that I was misled lied to and cheated out of {$35000.00} is more than sufficient to prove I am not liable for the charge to my Chase card for {$16000.00}. 

Thank you for looking into this matter. I still have {$35000.00} of debt because what XXXX taught me, made me absolutely no money, but got me further into debt. 

Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: NJ

Complaint narrative:
Yet again, another TransUnion complaint. TransUnion has an XXXX XXXX ( closed ) account on my credit report in the amount of {$8000.00} from XXXX. 

Although the account is listed in good standing, {$0.00} balance and closed this is not my account. I filed a dispute with TransUnion approximately 1-1 1/2 years ago. I had received a call from them stating it would be removed. That was in XXXX. As of today XX/XX/XXXX it is still showing on my credit report. 

I once again asked them to remove and why it had not yet been removed, in true TransUnion dismissive fashion, they could not answer and had no explanation.

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