vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-28 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX CHILD SUPPORT ENFORCEM Account # XXXX Request for Debt Verification Page To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX  v.XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX Circuit Court, XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( Equifax, XXXX  or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
A cancellation of Lis Pendens was recorded by Citimortage , Inc. on XX/XX/2013 in XXXX XXXX County. A satisfaction of same was also noted and recorded. 

Please remove this erroneous information from our credit report in a timely manner. 

Thank you.

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 2019-03-28 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: KY

Complaint narrative:
Do you know anything about security charges that occur on Synchrony credit cards? Initially when we bought approximately {$3700.00} work of musical gear with a 48 month zero percent credit card offer through XXXX. I spoke at length with Synchrony and set up autopay with the right monthly amount so we could just forget about the card and let it pay itself without interest. When I went in earlier this week to get info for tax purposes I realized weve been getting charged between $ 42-46 a month for security and then {$2.00} a month interest on top of that as it was just increasing our amount owed and those 'security charges ' did not count as 0 %. We never were informed or asked about this and its racked up almost {$700.00} worth of extra charges on our account! This is unethical and criminal. If I hadnt have noticed, it wouldve keep racking up into the thousands and we would never have been able to pay off this card. 

All of the monthly charges on the bill had an XXXX number next to them. I tried calling Synchrony first and they said they could do nothing about it. They knew what I was talking about but said that Its a 'separate company ' and separate phone number from the regular credit card service. When I finally got a hold of any alternate number for security they tried to tell me that I had 'opted in ' and accepted the option to be charged that 40+ dollar monthly fee when I signed up for the card. When I rather aggressively informed them that in no way had I opted in for anything of the sort, they told me that I would get a {$670.00} credit on my account within 48 hours. I XXXX it and it seems Synchrony has done this quite a few people with other store cards ; charging people this {$40.00} a month fee without their knowledge. Its amazingly unethical! The fact we were being charged interest on top of that because of it is even worse. There's no way I agreed to this as I am extremely thorough when I sign up for credit card applications. Someone is making a huge amount of money off of this and Synchrony knows about it.

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 2019-03-28 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern, For some reason I am not appearing on any of the credit companies. I have been an authorized user on a few of my cousins accounts. I been using those cards building credit. But it never seems to show when I look up my credit score.

I am hoping that they look deeply into this and see I have been making payments and doing what I need to do to build credit.

I go back and fourth between my cousin 's house and mine and get mail at both but for some reason nothing shows. Was just on my credit karma account today. This has been going on a few months now.

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 2019-03-28 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom It May Concern, For some reason I am not appearing on any of the credit companies. I have been an authorized user on a few of my cousins accounts. I been using those cards building credit. But it never seems to show when I look up my credit score. 

I am hoping that they look deeply into this and see I have been making payments and doing what I need to do to build credit. 

I go back and fourth between my cousin 's house and mine and get mail at both but for some reason nothing shows. Was just on my XXXX XXXX account today. This has been going on a few months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I'm having a problem with the " Balance '' amount shown on my statements. This is for 2 loans : XXXX and XXXX. The repayment process started on or about XX/XX/XXXX. At that time, my " Balance '' was showing that I owed {$38000.00}. I had a forbearance approved on XX/XX/XXXX when Navient took over the loan. Payments resumed on XX/XX/XXXX. My " Balance '' was {$41000.00}. I've made timely and proper payments every month since then. Payments ranged from {$460.00} to a present amount of {$270.00}. My most recent statement of XX/XX/XXXX shows a " Balance '' of {$41000.00}. 

Why, after almost 6 years and payments averaging about {$300.00} a month, hasn't the " Balance '' decreased? 70 months at {$300.00} a month is {$21000.00}. The " balance '' should have decreased considerably. Instead, it increased from {$38000.00} to {$41000.00}. 

Also, my last credit score went down as a result of this loan increasing. I talked to Navient on or about XX/XX/XXXX and " XXXX '' said that the balance never increases and the credit reporting agency is unreliable

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The complaint I previously filed and which was recently deemed " closed '' [ reference XXXX ] was evidently addressed to the wrong loan processor. The complaint was sent to XXXX XXXX XXXX. Based on the information provided in the responses from XXXX XXXX XXXX XXXX XXXX XXXX   and from XXXX XXXX XXXX, the complaint should have sent to XXXX XXXX XXXX . 
Here is info copied from the responses sent : " If you have any questions for ... XXXX XXXX ... about your Home Equity Line of Credit ... please contact them [ the prior servicer ] using the information below : XXXX XXXX  Customer Service Department ( XXXX ) XXXX XXXX Consumer Services XXXX, PA 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 2019-03-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc.
State: FL

Complaint narrative:
Again this Real Time Resolution has sent nothing other than a generic letter. They responded to your company saying it will be removed soon but nothing explaining when and this is past the statue of limitation. They are giving me the runaround. This is complete XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Purchase XXXX XXXX using PayPal. Lens was described as fully functional. After testing the lens I determined it was not, I sent the lens to the manufacturer for evaluation. The manufacturer determined the lens had a defective image stabilizer. The merchant refused to accept a return or compensate for repair. Paypal has 180 day buyer protection. Opened case XXXX. Paypal policy states they protect buyer if item is " Significantly Not as Described claims : The condition of the item was misrepresented. '' The item stated All functions work. The provided evaluation from the manufacturer stated that was not true. Paypal denies the claim anyway. Paypal terms state you may appeal the claim within 10days on their web site - accept where there is suppose to be a button to file an appeal - there IS NO APPEAL BUTTON. Multiple Requests to appeal through secure messaging were ignored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-28 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: TN

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 day past due on the XXXX - partial account number XXXX. ( Please see page 11 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Again this XXXX XXXX XXXX has sent nothing other than a generic letter. They responded to your company saying it will be removed soon but nothing explaining when and this is past the statue of limitation. They are giving me the runaround. This is complete XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
In XXXX of 2018 an unexpected charge was made to my Bank of America credit card. It was unexpected because a vendor used a card that I had not used for over a year. For the next six months Bank of America did not send a monthly statement or contact me about this charge in any way. There was no mailed statement, no phone call, no e-mail. They had all the correct contact information for me, as I later verified by phone. Over those six months {$200.00} of fees were added to my account. I would have had no idea, this was happening, except I regularly log into online accounts to verify passwords and activity. Then, I noticed the balance on this rarely used card.

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 2019-03-28 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: TX

Complaint narrative:
I SEND A CERTIFIED LETTER TO TRANSUNION ABOUT A COLLECTION COMPANY XXXX XXXX THAT IS SHOWING ON MY CREDIT REPORT 30 DAY LATE PAST DUE 120 DAY LATE AND I TOLD THE GUY THAT THIS COLLCTION COMPANY CAN NOT REPORT A PAST DUE OR LATE PAYMENT THEY OR NOT THE ORIGINAL CREDITOR AND THAT IT IS VIOLATION OF FDCPA AND I WANT THE ACC TO BE DELETE IMMEDIATELY AND HE DID NOT WANT TO DELETE THE ACC AND IT HURTING MY SCORE AND I CAN NOT GET A HOME

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 2019-03-28 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: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
I filed an identity theft report, with the Federal Trade Commission, against Credit Acceptance for a loan for a vehicle that I do not own. I mailed the letter from FTC disputing the account on XX/XX/2019. The company calls me every day at least 3 times per day, I answer and they hang up without saying anything. They also mailed me a letter dated XX/XX/2019 stating the vehicle would be sold on XX/XX/2019 and to call them to learn the exact amount owed on the account to get the property back.

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 2019-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AC AutoPay LLC, Denver, CO Branch
State: IL

Complaint narrative:
I got a quote from autopay.com for a refinance loan. Their estimated price for the product I selected was $ XXXX/month. After I was " approved, '' the price jumped to $ XXXX/month and included gap insurance I specifically had UN-selected in my application, a {$1700.00} service contract I wasn't even given the option to select or un-select, and over {$500.00} in taxes and fees I had not been told about up front. The price after application vs when I prequalifed rose by over 42 %! Now, I know that these payments do fluctuate based on creditworthiness, but my score is in the 800s, so there should not have been such an alarming hike in the price. This bait-and-switch if I've ever seen it.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-28 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: TN

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 day past due on the XXXX - partial account number XXXX. ( Please see page 11 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC
State: IL

Complaint narrative:
I over pay my XXXX  off pay for XXXX .toXXXX XXXX were the last payment westlake kept taking payments XXXX. I over payfinance charge and car note they old me XXXX dollars.Has not sent me back my money.. This is my Complaint. Account XXXX.. They XXXX {$7000.00} dollars. They took my car it were pay for I did not get a tittle. When can they put me and a new car XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: TN

Complaint narrative:
Transunion is reporting incorrectly that I am 120 days past due on the XXXX/XXXX partial account number XXXX. ( Please see page 11 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Prosper Marketplace, Inc.
State: MI

Complaint narrative:
I HAVE ASKED REPEATEDLY THAT THEY NOT CONTACT ME VIA PHONE, THEY CONTINUE TO DO SO

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 2019-03-28 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: 2288984 Ontario Inc.
State: UT

Complaint narrative:
I paid this loan off in full on XX/XX/XXXX. I received a receipt but not a pay off letter. I then received a letter in the mail in XXXX of XXXX saying that this debt had been sent over to a another collection agency. I contacted money key and they said they couldn't help me because I had to speak with the collection agency. The collection agency was less than helpful. So I contacted the creditor that the money was paid to. They sent me a paid in full letter. However they keep sending the debt to different collection agency to try and collect more. I need this to stop as it is affecting my credit and reputation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
I am in the process of fixing my home after a hail storm. So far I have replaced the roof, the siding, and am in the process of replacing a bay window. My loan provider ( loancare ) has consistently failed to notify me of evolving requirements of theirs, and has had otherwise non-existent communication aside from periodic threatening letters, which I brought to their attention. I have not had a late payment since purchasing my home in 2003. They failed to notify me of a requirement of theirs that I provide a release of lien, a W9, and a signed contract. They say once the account goes over $ 20k this is required, however, when speaking with a representative two days prior, I was assured all I had to do was send in the check with the loan number affixed. After sending all of the required documents, they then told me I needed to endorse the check prior  to sending it, and they returned the check to me unsigned. At no point was I told to endorse the check, in fact I was advised earlier not to endorse the check for safety reasons. Also, the office they list in CO claims they do not have access to any information, and are solely for debt collection. This is misleading to say the least. These are but a handful of issues I have had with this company, and I am concerned with my ability to fulfill my obligation to complete work on my house in a timely manner when I am met with such dysfunction.

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