vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
A Synchrony Bank XXXX XXXX care was taken in my name for a medical procedure. the terms of the card were 12 months interest free. The amoiunt was {$3500.00}. I made all payments owed on the account over the course of the 12 months, These payments were approximately $ XXXX for an approximate total of {$2700.00}. I had full intention of paying off the balance at the 12 month interest free period. Based on my records that would have been Approximately {$800.00}. Unfortunately, I missed the pay off date by approximately 30 days and when I contacted Synchrony Bank to resolve the balance they told me that I missed the date so all past interest for the 12 months I had the account was now due in addition to the original amount owed for a total of approximately {$2800.00}. I told them that was unacceptable and refused to pay the additional interest. Synchrony Bank continued to add interest to the balance, which to date as their records show it to be approximately {$3800.00}, they claim is owed. 

After multiple phone conversations and attempts to resolve the balance owed with Synchrony Bank representatives, I filed a formal complaint with Synchrony Bank in XX/XX/2019 and received correspondence from Synchrony Bank on XX/XX/2019 they had received the formal complaint and would be looking into the complaint and get back to me. I contacted Synchrony Bank every 30 days since XX/XX/2019 and have had no response or resolution to my complaint. Synchrony Bank has negatively reported to my credit report which has in turn negatively affected my credit score as well as put my account into collections but at no point have they attempted to resolve my complaint directly with me. I explained this to the collection agency and was told they would contact Synchrony Bank regarding my formal complaints.

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 2019-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: TX

Complaint narrative:
I applied for a XXXX XXXX credit card and was so excited about this card and US BANK Has pulled a credit inquiry with XXXX  and I was told I could be approved for credit card if I can verify my identity which I did and being out on hold for hours and talk to 49 different reps and half of them were rude to me and hanging up the supervisor of the account verification dept is refusing to give me my application number for my credit card application and I ask for it several time and I was told they are not allowed to give it out over the phone and he was rude to me and gave me a hard time and said they dont feel comfortable of giving me credit I ask the supervisor why and he told me he wouldnt discuss it with me that I have to wait for a letter to come in .... I explain to him there is nothing wrong with my credit report and I have a good credit rating so I dont know what going on .... I feel discrimination and disgusting and I wont be doing business with us bank ever again The application 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 2019-06-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase closed my account due to me asking for an accommodation under the XXXX for my XXXX. Chase felt I was not patience enough to accommodate my XXXX and closed the account. 
When they closed they account, I requested that they never contact me again because it would remind me of the discrimination and that I am XXXX and can not expect equal access to good and services from companies that do not accommodate the XXXX. Despite my requests Chase continues to email me asking me to sign into my secure message center. Each time it makes me feel horrible and reminds me of the day they threw me out of the bank keeping my ID and a check, I feel bad because of this and just want peace.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Bass & Associates, P.C., Attorneys at Law
State: NY

Complaint narrative:
there is no way of doing any corresponding online with your account. You are help to speaking only to them. I DO NOT have the hours to spend on hold to change my CC #. I have been trying for 4 weeks now and have been on hold for a total of 12.5 hours!!!!!!!!!!!!! That is insane on this day and age.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Accounts Receivable Consultants Inc.
State: TX

Complaint narrative:
I received a notice of collection from Accounts Receivable Consultants Inc. regarding a medical debit. On XX/XX/2019 I responded that I did not agree with the amount that I had made payments and they did response with the bill. I received a response about the amount due and responsibility of my husband. On XX/XX/2019 I sent a notice that I had made two payments directly to XXXX XXXX XXXX so that the amounts they were trying to collect I did not agree. Then instead of them trying to find one payment missing they just sent me the same bill but there is still one payment missing that I have been letting them know since I received the first collection letter. XXXX I sent them another letter telling them of the missing payment amount and date it was sent and cashed. But then I received a call from them today and the person that called was very rude and threatening to report me and my husband to the credit bureau. I was trying to explain to her the reason why I had not paid it and she would not let me speak and said he have already responded and if you do not pay today we are reporting you to the credit bureau. And just to mention that she did not say she was trying to collect a debit or call was being recorded as you are required by law. Since she would not let me speak and made me mad did tell her to go XXXX herself and I hung up. Then she turns around and calls my husband with the same threat and made my husband mad that he hung up on her. I think her name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: IL

Complaint narrative:
IC System is reporting incorrect negative information on my credit file.I recently received a copy of my credit file and noticed that IC SYSTEM is reporting a collection on my credit from XXXX. According to the Fair Credit Reporting Act ( hereafter referred to as FCRA ) Section 609 ( a ) ( 1 ) ( A ), You are required by federal law to verify through the physical verification of the original signed consumer contract all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. 

Therefore, I am demanding to see verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed I am absolutely certain that the item is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not  send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter

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 2019-06-19 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: IL

Complaint narrative:
OnXX/XX/XXXX I sent a certified letter to Equifax and the XXXX XXXX XXXX XXXX XXXX XXXX {$760.00}, I Included a copy of the Explanation of Benefit that was paid by XXXX XXXX XXXX XXXX to the Primary Creditor XXXX XXXX XXXX XXXX. I informed Equifax and XXXX XXXX XXXX that they are reporting fraudulent information and ask them to delete it from my credit file. Its been past 30 day and they have not did anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
On XXXX XXXX KIA motors finance in error claimed that it did not receive the payment of {$420.00} that was made XX/XX/2018. Also the payment made on XX/XX/2018 although funds were deducted from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My credit report reflects three consecutive mortgage lates back in XXXX, XXXX and XXXX of XXXX suggesting that I was late in XXXX, XXXX and XX/XX/XXXX ( 30 day reporting ) I wrote the Wells Fargo on XX/XX/XXXX disputing this report. I submitted both the credit report as well as my bank statement reflecting payments and dates for a full calendar year for both my Wells Fargo accounts. I received a general acknowledgment response thanking me for my inquiry stating that I would be provided a response by XX/XX/XXXX. On XX/XX/XXXX I received a letter stating they were unable to determine my specific concerns. Additionally, I received a phone call that same day stating that they had resolution and basically reiterated what they show in their system. I asked them if they looked at any of my supporting documentation that reflected timely payments through my bank and that I thought they had an internal issue with how they applied they payments. This is consistent with how their statement reflects missing payments in XXXX and XXXX then multiple payments in XXXX. They admitted to not looking at the information and stated it would take more time. On or about XX/XX/XXXX, I received another phone call stating that they would not resolve my issues unless I submitted more supporting documentation. Since that time I have tried to get qualified for a mortgage on a new home and have been plagued with this inaccurate reporting. The new mortgage company that I have worked with has received very little cooperation from Wells Fargo to resolve this as well. I am now stuck with the inability to get funding for a new home while in the process of moving. I believe Wells Fargo has carefully walked the line in regards to being compliant with the FRCA, from a timing perspective, but has not done anything ethically to resolve the situation.

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 2019-06-19 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:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2019-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
. Bank of America closed my credit card account claiming that the adverse action taken is due to " bank policy '' However this is insufficient, as the CFR 1002.9 ( b ) ( 2 ) reads " Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. '' So, based on these Federal Regulations, BofA has failed to provide sufficient reasons for the adverse action taken on my account. ; and is therefore in violation of CFR 1002.9 ( b ) ( 2 ). My bank statements have absolutely nothing to do with this matter and do nothing to prove the false claims made by BofA that they have the right to violate any part of the ECOA. Don't point to my bank statements ... point to the law which is being violated, and show me where in the regulations are you entitled to deprive me of this specific information. I do not care what the bank 's contract says because it is negligible next to the law, and does absolutely nothing to support Bank of America 's faulty actions anyway. If a contract is in violation of the law then it is illegal. and if a contract is written in a way that enables the bank to violate the law, then the contract is, at the very least, unconscionable. The EOCA was established to protect consumers from various forms of discrimination. As such, banks are required to provide reasons for adverse actions. Without the specific reason why an adverse action is taken, then there is no way of knowing whether or not the bank guilty of discriminatory banking practices. If the CFPB does not take action against Bank of America for this blatant violation ; then the only implication that remains is extremely unfortunate. It is my hope and a reasonable expectation that the CFPB will demonstrate its integrity, upstanding principles, and ethical practices, as well as it's freedom from esoteric contracts and biases that are counterproductive to their mission of consumer 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 2019-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am currently still being reported inaccurately on credit report by the State of CT Department of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. The report shows past due and delinquent payments. I will be attaching letters that dispute this information. I do have a letter from the State of CT dated XX/XX/XXXX that shows all my current support was up to date and it was reported to consumer reporting agencies. I will further attach information that shows the amounts were fully paid off in the year 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 2019-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My DOB XXXX and my is SS XXXX I have attached my SS Card and DL for proof of ID.

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 2019-06-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: DISCOVER BANK
State: CA

Complaint narrative:
I called about postponing payments on my student loans and the representative told me that I could enter into a temporary payment reduction until this was sorted out and reviewed. When I then called back for status I was told that I was not eligible due to already having been placed on a payment reduction. 

I now am confused and dont no which way to turn. I need help to postpone payments until end of 2019 due to financial hardship which Ive already explained to the company, Discover Student Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
On XX/XX/2019 my mortgage was transferred from XXXX XXXX to Rushmore loan management services LLC. When I received the letter informing me that my account had been transferred I called Rushmore to inquire about making a payment. My new account number was not on the letter that they sent me so I asked them for my account number. They provided me with an account number of XXXX. I made my payment through my online XXXX checking account and it posted to my account on XX/XX/2019. Rushmore has not been able to confirm that they have received my payment. They told me that they made a mistake when they told me my account number and that my account number is actually XXXX. They are saying that I will incur late fees now because they still have not received the payment for XXXX. They are also telling me that this could take weeks to fix. I am concerned because if they do not acknowledge my payment within the next 10 days then they will mark my mortgage as being 30 days late. I need confirmation from Rushmore that they have received my payment and that they have credited the payment to my proper account number for XXXX XXXX XXXX, XXXX, MD XXXX. I need confirmation that I will not incur any late fees because I did in fact pay my mortgage before the XXXX. In the future Rushmore should send an initial statement to transferred loans that has the account number on the statement. I do not know what to do. From my research online Rushmore has a history of poor customer service and I am not confident that they are able or willing to correct this problem before they mark my mortgage is 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian & XXXX XXXX is reporting incorrect negative information on my credit file.I recently received a copy of my credit file and noticed that XXXX XXXX is reporting a collection on my credit from XXXX. According to the Fair Credit Reporting Act ( hereafter referred to as FCRA ) Section 609 ( a ) ( 1 ) ( A ), You are required by federal law to verify through the physical verification of the original signed consumer contract all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account.

Therefore, I am demanding to see verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed I am absolutely certain that the item is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter

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 2019-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My DOB XXXX and my is SS XXXX I have attached my SS Card and DL for proof of ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My DOB XX/XX/XXXX and my is SS XXXX I have attached my SS Card and DL for proof of ID.

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