vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Care Credit Synchrony Bank - can not make payment through automated system-rarely been able to bee advised in writing they have removed fees and charges but the balance never goes down. I have a balance of {$2200.00} for months. Asked to speak to Call Center Supervisor. Cust XXXX- Care got someone in Collections- sorry can not transfer you. [ XXXX ] XXXX Badge XXXX - Made payment! Confirm # XXXX XX/XX/XXXX {$110.00} They continue to call as " UNKNOWN ''. Do not know if tel spoof or what! Just have them post what they promised earlier-

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 2017-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
XX/XX/XXXX I lost my job. I was not able to find another job before my note was due in XX/XX/XXXX. XX/XX/XXXX came and went and still was not able to find a job. XX/XX/XXXX I was force to file chapter XXXX. At the time of filing Chapter XXXX I was due for XX/XX/XXXX through XX/XX/XXXX. My payments was XXXX due to the loan modification XX/XX/XXXX. My arrearage was {$1100.00} at the time of filing Chapter XXXX. The amount I paid to my prior and current servicer was {$9500.00}. In my proof of claim that was filed it stated I was {$1100.00} arrears ( included ). I want to know what is the pre-petition payment, plus fees and costs that total arrearage of {$9500.00}? In my loan modification that was complete XX/XX/XXXX page 2 parg. 3 B it states The modified principal balance of my note will include all amounts and arrearages that will be past due a of the modification effective date ( including unpaid and deferred interest, fees, escrow advances and other costs, but excluding unpaid late charges, collectively, unpaid amounts ) less any amount paid to the lender but not previously credited to my Loan. With this being say anything that I was in the arrearage for prior to XX/XX/XXXX was modified. I want to know where was this money was applied? I want a break down of the pre-petition payment, plus fees and costs that total arrearage of {$9500.00}? I want a copy of there proof of claim. I will enclose the Loan modification, Chapter XXXX filing I have circle the arrears amount, letter fro XXXX that my loan was modifiedXX/XX/XXXX. Also a break down fee sheet from XXXX on my account from the prior modification to XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 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: NC

Complaint narrative:
I spoke with a representative in the Consumer Affairs Division of Experian regarding false/inaccurate information that is intentionally and willfully being reported by Experian, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ( the debt collector ). I provided indisputable proof, by way of fax, that shows the amount of {$1000.00} was the amount owed, according to the Court ; however, Experian, XXXX XXXX, and XXXX XXXX systems tripled the amount to XXXX and has been wrongfully reporting {$2900.00} for about six ( 6 ) years. The are all aware that under the Fair Credit Reporting Act that inaccurate information must be deleted ; however, they continue to DEFY the law in an attempt to oppress and cause further harm by continuously reporting information that they know to be false. Further, I was told by the assistant leasing agent that I could move -- with no further financial obligation- after reporting several incidents involving safety and other criminal activities by people XXXX had allowed to move into the community. Further, I did not receive Notice of the Court date, even though the correct address was in the Court 's file and on my counterclaim. I have no doubt that had I been provided with Notice ; the outcome would have been quite different. Nevertheless, Experian is reporting information that it knows is false, and I asking for assistance in correcting this matter right away.

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 2017-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Academy Mortgage Corporation
State: CA

Complaint narrative:
We purchased our home on XX/XX/XXXX, 2015. We opted to set up an impound account. It seems Academy Mortgage, XXXX XXXX XXXX XXXX, NJ XXXX, was unable to accurately figure out the taxes that should have been made for this home. They based their figures on the sellers original purchase price not the purchase price we paid for the home. They sold the loan approximately 18 months later and still at that time had not figured out they were not collecting enough for the county taxes. They told me it was my responsibility to figure that out. I thought that is what they are being paid for to figure this type of thing out. So now they managed to completely eat up my reserve account, the new lender was able to figure this out almost immediately and it is now costing me {$300.00} more a month to fix their computing errors. I do not understand why it is so difficult to figure out 1 % of a purchase price for county taxes. It seems fairly straight forward and simple. I was able to figure out what the impound account should have been within less than a minute. If these people are being paid to competently secure a home mortgage it seems they should at the very least be able to compute basic math and understand how county property taxes work. We are fortunate that is n't going to be a total hardship for us, but it could make a huge difference for other home buyers. I have purchased six homes in the past and have never had this sort of issue with a lender. It is completely unacceptable business practices and they really need to be investigated for their lack of competence. <P/>As an additional concern was they were not able to pay my tow insurers either. I had to pay the flood insurance myself, because they managed to not send the payment to them either. This mortgage lender needs some retraining to service loans correctly and manage impound accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: GA

Complaint narrative:
home was purchased in XX/XX/XXXXwith a loan ( {$220000.00} ) amount of 95 % ( {$230000.00} ) of what the home was worth. In XX/XX/XXXX the home was assessed by the city to be worth {$320000.00} ; I called the bank to ask for the removal of the private mortgage insurance and was told that it was not possible. They stated that I could not have an independent appraisal and that I needed to pay them to have the home appraised and even if the appraisal came back to be the {$300000.00} that would not guarantee the removal of the PMI. When I asked what was the automated assigned valve that they assessed to my property ; the bank refused to give me a value. Though in XX/XX/XXXX the property was assessed at {$330000.00} and XX/XX/XXXX {$340000.00} ; the bank has consistently maintained over the past 3 years that regardless of what the assessed value of the property is, that will not determine the elimination of PMI. I have been asking for the past 3 years to have the PMI removed based on the value of the home and the bank has refused to give me a definitive answer as to when this will happen though my loan is currently less than 70 % of the home value. <P/>In XX/XX/XXXX my monthly payment was {$1700.00}. As of XX/XX/XXXX my payment was increased to {$2000.00} without any explanation though my insurance was only increased by only {$65.00} annually and taxes between XX/XX/XXXX and XX/XX/XXXXwas only increased {$90.00} annually. My monthly payment on a 30 year fixed rate mortgage has increased {$250.00} per month without any justification or explanation. <P/>In XX/XX/XXXX I was told by the bank that my escrow account was short {$1000.00} and I needed to pay that amount to avoid an increase in my monthly payment.This amount was paid in XX/XX/XXXX to Severus but my payment was still increased. I have not received any explanation of where the money went and was not issued a credit towards the following month or a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Today, right after XXXX I answered a phone call from an unknown name. It was Commenity Bank in reference to my XXXX Credit Card. I explained as I had a couple of days ago that I am out of work. They had previously offered to take my money out of my account and they read off part of my checking account number. I explained this morning I am out of work and do not have the money. The rep asked why I was past due after I had explained so I said good bye and terminated the call. The phone rang a couple of hours later from an unknown caller I.D . and I knew it was them again and did not answer it. They called again around XXXX XXXX and I answered it. I explained that I had advised them this morning I had no money and was out of work and was going to file a complaint. The complaint is for harassment. It is XXXX enough being out of work and being unable to pay, with out after having explained it, they continue to call and not even just one time a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I took out a loan for {$7500.00} from Huntington National in XXXX 2007 to pay off some credit cards. It was just a regular installment loan, covering 10 years. I did n't realize until the next tax season that it was actually a home equity loan. I never negotiated that. I was mad at first because the interest rate -- I believe around 9 percent -- was way too high for a home equity loan. But I did n't go back and dispute because I was able to write off the interest at tax time. Since the loan is about to mature, I called Huntington about a payoff quote. From the conversations I had, I learned that for nearly 10 years, my automatic payment was being withdrawn on the XXXX of the month, eight days after the due date of the XXXX! I was told they have no record of me agreeing to do this. Since there is a 10-day grace period I entailed no late charges, but I discovered for the last near 10 years I have been paying additional interest eight days each month. So during the 116-month span I 've had the loan, I 've paid additional interest on eight days per month -- a total of 928 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX,2017 there was two withdraws from chase my primary checking account for a total of XXXX.I wasnt aware of this until friday XX/XX/XXXX and contacted the bank about this situation.The bank gave me a temporary refund and said they would investigate it/The bank asked me to fill out a form that they mailed to me, which i did.On XX/XX/XXXX I received a text alert that my funds were low.I called the bank and i was informed that they reversed the funds that they had put back into my account .I was told by the service rep that it was determined that the card the atm card used was mine and that I had either given it someone or they used my card.I did neither and tried to explain it to them but was told that was the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
Received a copy of my credit report showing a new collection agency. Wakefield and associates is in violation with my hippa rights. It is against hippa to sell my hospital records to a third party, my daughter had state XXXX which prohibits them to bill me for services rendered if they are unable to collect from the insurance company

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 2017-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have a big problem with chase bank I opened a college checking account with them and it 's been years since the problem has been fixed I 'm a victim of identity theft and my information was stolen and fraud happened to me there where checks and money taken off of my account and I reported everything and tried to resolve everything so my account could be fixed but was told that I had to just pay the money I disputed it and it was denied I just recently found out it was denied because they said I had my card when fraud happened which is not true it 's been so long so I ca n't file a police report and they wo n't pull up any cameras from where the money was taken off at to prove it was n't me and at the time there was a gas purchase I did n't even own a vechile at that time so how would I be the one who did the transactions I complained and spoke to a lot of people and honestly it 's been a waste of time I 'm in the process in filing a dispute with a outside consumer agency chase bank gave me the worst experience in a lifetime

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
onXX/XX/XXXX I noticed my balance in my account was off by XXXX upon calling XXXX number to my bank they informed me that on the XX/XX/XXXX a debit transaction of XXXX from XXXX XXXX  went through and put my account in the negative wich my account was not in the negative from this transaction and the two print outs i have attached should show this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian continues to report the following on my credit report resulting in deleterious results and/or ability to obtain credit and/or instant employment, to wit : US BKPT CT VA XXXX US Bankruptcy Court XXXX, VA XXXX Status : DISMISSED Experian continues to list the dismissed bankruptcy on my credit file. Experian 's policy is to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years. <P/>However, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. <P/>The law clearly states from, " date of adjudication '' or date of " order of relief ''. <P/>Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. <P/>Therefore, Experian has no right to maintain information which the government has deemed nonexistent. <P/>Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. <P/>This action does not require an investigation ; I would appreciate your response within 14 calendar days from receipt of 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 2017-06-30 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The credit bureau does not want to remove a XXXX account on my credit that is not mine. I have never had an account with XXXX and I know I have no unpaid debts with them. I have called XXXX and they do not have any records that match my personal information I give them. Why is the credit bureau refusing to remove this account? I also sent a dispute to XXXX in the past and XXXX promptly deleted the account in XX/XX/XXXX once they verified it was not my account. How can there be different results between XXXX and this credit bureau for the same investigation? This credit bureau is not processing my dispute properly and this mistake is affecting my credit unfairly! I am attaching XXXX 's investigation results also showing the account was deleted. The account number is XXXX and the balance is {$54.00}.

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 2017-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
inquiry victim inquires from companies i never authorized on  XXXX  credit reports Experian,  XXXX ,  XXXX   XXXX .   Inaccurate information on my credit rep ort 1.   XXXX   XXXX   account late payment status,   XXXX   XXXX   reports as negative Due to do inaccuracy of this information i request you delete it from my file.

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 2017-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I have been disputing this collection since  XXXX  and beyond and collection company has been reporting negatives to  XXXX    XXXX   and  XXXX . This debt collection belongs to my dad  XXXX   XXXX   XXXX  in which he filed a Bankruptcy chapter  XXXX  on  XXXX   XXXX  in  Federal Court and it was discharged  on  XXXX   XXXX . The amount of {$3700.00} has been terminated in Bankruptcy chapter   XXXX  ..The Bankruptcy chapter  XXXX  file case number is  XXXX . I am a single mom with  XXXX  children can not afford to pay debt or have any negatives on my credit report..Please contact my dad for any information on  XXXX   XXXX  Apartment debt in  XXXX  california  .This debt is al so on my mom  XXXX   XXXX  and my sister  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 explanation
Consumer complaint received 2017-06-30 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: CT

Complaint narrative:
Dear Equifax : RE : XXXX XXXX A substantial injury typically takes the form of monetary harm, such as fees or costs paid by consumers because of the unfair act or practice. However, the injury does not have to be monetary. Although emotional impact and other subjective types of harm will not ordinarily amount to substantial injury, in certain circumstances emotional impacts may amount to or contribute to substantial injury. In addition, actual injury is not required ; a significant risk of concrete harm is sufficient. <P/>To determine whether an act or practice has actually misled or is likely to mislead a consumer, the totality of the circumstances is considered. Deceptive acts or practices can take the form of a representation or omission. The Bureau also looks at implied representations, including any implications that statements about the consumers debt can be supported. Ensuring that claims are supported before they are made will minimize the risk of omitting material information and/or making false statements that could mislead consumers. <P/>Furnishing certain deceptive forms " It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in. '' 1692e False or misleading representations " Communicating or threatening to communicate to any person credit information which is known or which is known to be false, including the failure to communicate that a disputed debt is disputed ''. Sec 617 Any consumer reporting agency or user if information which is negligent in failing to comply with any requirement imposed under this title. in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorney fees as determined by the court. Sec 611 ( c ) 1692 e. False or misleading representations " The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc.
State: MS

Complaint narrative:
I was mailed a settlement offer letter. The letter was received after the due date for the settlement. I attempted to contact the collection agency multiple times and they refused to honor the settlement offer and payment arrangements. When I asked them to stop calling me they continue to call all of the representatives and supervisors we 're rude and threatening except  XXXX   XXXX .

Company response to consumer: Closed with explanation