vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-21 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I have contacted Synchrony Bank on multiple occasions by email and mail asking for late payments to be removed. All occasions my requests have been denied. My account is currently on time as acknowledged by XXXX XXXX office of the president on X/XX/2017. She told me she has reviewed my accounts and is unable to make an adjustment. She said it would be arbitrary reporting. However, after doing my research online Synchrony Bank has made many goodwill adjustments for customers. I experienced a hardship last year and was proactive in seeking help before it was too late. I went on a payment plan for all 3 accounts. I was under the impression this would help me avoid further negative impact on my credit report. As a result of this reporting I have incurred deposits on many new accounts. As a single mother I do not have the extra funds to cover deposits. I had a perfect payment history before enduring a XXXX XXXX XXXX that caused me to miss work more than I would like. XXXX XXXX acknowledged the fact that I have been paying on time and the account is current. At the conclusion of the call no resolution was reached. I later emailed her to point out exactly where it is against the law for them to remove late payments. If that was the case how could places like XXXX XXXX who specializes in this type of conflict exist? I am very disappointed that my loyalty means nothing to this company. I am embarrased that I referred family and friends to this company whether it be through Amazon or care credit.  I hope that they are not experiencing the same issues as I am. At this point in time I do not feel like a valued customer just an deposit in a CEO 's bank account. Synchrony bank is not taking a loss by updating my credit report. Avoid synchrony bank at all costs if you can.

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 2017-07-21 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: PA

Complaint narrative:
XXXX XXXX XXXX, XXXX. XXXX XXXX I never lived at this address ( XXXX ) XXXX, ( XXXX ) XXXX are not my residential phone numbers. Remove XXXX name from my report as well.

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 2017-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I revoked the Power of Attorney from XXXX. that I gave to them and asked that the Power given to XXXX be coveyed back to XXXX XXXX. Also Nation or XXXX has not responded to the QWR or the proof of claim i sent to them. Prior to this, I 've tried to work with them on many occasion to work it out for an affordable modification no luck at all

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 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: TX

Complaint narrative:
THIS company being reported on my credit reports are NOT my account : XXXX XXXX XXXX XXXX - Acct # XXXX  - {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS. XXXX ( XXXX ) XXXX I sent 3 written letter to the 3 credit bureaus asking for proof that this is my account, I also called XXXX XXXX for any kind of contract they have showing this is my account they have failed to do so.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts listed below. Their failure to positively verify this accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, The credit bureau and XXXX XXXX XXXX XXXXs have failed 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 explanation
Consumer complaint received 2017-07-21 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: TX

Complaint narrative:
THIS company being reported on my credit reports are NOT my account : XXXX XXXX XXXX XXXX - Acct # XXXX - {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS. XXXX ( XXXX ) XXXX I sent 3 written letter to the 3 credit bureaus asking for proof that this is my account, I also called XXXX XXXX for any kind of contract they have showing this is my account they have failed to do so. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts listed below. Their failure to positively verify this accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, The credit bureau and XXXX XXXX recovery services have failed 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 explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: OH

Complaint narrative:
I tried to obtain cash from atm on XX/XX/XXXX machine did n't dispense cash put in pin amount requested next thing machine said out of order checked account and it had processes the transaction and removed XXXX from account 18days later nothing has happened filled out dispute foorm and mailed it back same day I received it they say they have n't received it yet 8 days later?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I attended XXXX XXXX XXXX XXXX XXXX 2016. Upon signing up, I was told there would be guaranteed internship and job placement after graduating. School was coming to an end and I had no internship. I was told that I was " on my own and had 1 week after school ended to find one ''. After my XXXX was completed and official graduation date has come, my student loans kicked in and my monthly income came no where near what was expected once I attended the school and struggled to pay loans, rent, and basic day to day essentials. I was forced to have my loans go into collections and was told " I should have gotten a better job and thought about my career before I went to school '' by a XXXX XXXX customer service representative. Fast forward 3 years, XXXX XXXX XXXX XXXX closed their doors under the law Obama had passed where if a students loan payments exceeded their monthly income, they had to close. Which was 100 % the case for myself and almost everyone I knew from the school. I still struggle with paying my loans and working with a representative to have my payments lower to no avail. There has been 2 class action suit won over the same issue in 2 other states. XXXX XXXX XXXX XXXX should be the next class action suit won! Since the school had closed, I 'm unable to log into my school email account to retrieve my school files or else I would be able to provide you with more detailed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
Addendum to CFPB Complaint XXXX additional Kohls credit representative complaints : ( As CFPB does not allow modifying complaint once entered : ) After reviewing Kohls.com online payment documentation there were two additional problems in my interaction with Kohls credit representative on XX/XX/XXXX : Kohls credit representative said with full confidence that Kohls charge card payments only post same day in the local store up until XXXX XXXX. Kohls.com online documentation states payments will post the same day any time up until store close. Kohls credit representative said with full confidence that Kohls charge payments made the same day online, even before XXXX XXXX, will not post that same day. Kohls.com online documentation states that online payments made before XXXX XXXX will post that same day. The agent was a absolutely terrible representative for Kohls. I now have no faith whatsoever in any interaction with Kohls credit personnel, including supervisors. I think I have to go through CFPB on everything account related, to get a straight story. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am submitting requested document from CFPB Case # XXXX, notarized affidavit. I previously submitted a complaint to CFPB. You assigned it complaint number XXXX. Then I responded, you gave it complaint # XXXX and today XX/XX/XXXX I am submitting again : The company responded to the complaint and attached a credit card statement that shows my name with an address that I never occupied. This means that this account was opened using identity theft. Though I requested from the collection agency to obtain a copy of the signed credit application and send it to me, they instead sent you a credit card statement. Yet as you can see, the address on the statement is an unknown address for me and this is why I demand that the collection agency obtains and sends me the copy of the signed credit application for that debt. The collection agency has replied on the documents attached to the first complaint I filed, a letter indicating that If I believe that the account was a result of identity theft, that I must file a police report. I went to my local precinct to file an identity theft, yet when I showed the letter from LVNV funding where it says account opened in XX/XX/XXXX, the officer refused to give me a report because he says he ca n't file a report for something that happened 7 years ago and without evidence such as the signed application which LVNV funding failed to provide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-21 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: PA

Complaint narrative:
XXXX XXXX XXXX, XXXX. Pa XXXX I never lived at this address ( XXXX ) XXXX, ( XXXX ) XXXX are not my residential phone numbers. Remove XXXX name from my report as well.

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 2017-07-21 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: PA

Complaint narrative:
XXXX XXXX XXXX, XXXX. Pa XXXX I never lived at this address ( XXXX ) XXXX, ( XXXX ) XXXX are not my residential phone numbers. Remove XXXX name from my report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MD

Complaint narrative:
I just received a letter, from a second party debt collector ( all this company is a personal outside agency, hired to try to collect, a debt from a Creditor, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Massachusetts, toll free # XXXX.for Balance {$260.00}, dollar amount which I known for a fact that this is a scamming cocollection agency. when I asked him again can you describe what the service was that I should have received he just hung up the phone abruptly, is a lie, because I am a XXXX year veteran that only get medical treatment from the veterans hospital, and so then I got mad with the man because he insisted to remain ignorant while telling me I owe {$260.00}, & because I told him, this is bogus debt., Like I said earlier, that name of the company, '' is the Still man law office, llc,  then again I try to tell him this ... he quickly said that they was n't a real law firm, he hung up on me. my cell number is XXXX * home # is XXXX. please let me know the fastest way to repot this agency, I all ready know about requesting in writing within 30 days explaining the debt. it worked with other callers like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hunt & Henriques
State: CA

Complaint narrative:
Case No. XXXX XXXX Filed superior Court of California , County of XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX. XX/XX/XXXX Hunt and Henriques for XXXX credit card loan robo signing of lawsuit and improper notification of court action. promised to reduce pay off amount of loan and then transferred me to another person and refused to keep their commitment because they did n't like me personally. I paid off full amount by selling my home. they liened my home illegally. With the liens I could not refinance to a lower interest rate and afford my payments. I was on XXXX. I was homeless for a long time and that is why it has taken me a while to get this complaint filed. I paid off the debt in full when I sold my home XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Contacted Wells Fargo Bank numerous times by phone and in person to notify them that I want them to protect my financial information from being stolen. Requested Wells Fargo to NOT send sensitive credit card applications to my residence address because ID thieves steal the mail and open fraudulent credit accounts. To protect myself from ID theft, I have a more secure mailing address using a post office box at a US post office. Wells Fargo refuses to send sensitive mail ( which can be stolen by ID thieves to perpetrate ID theft and credit card fraud ) to my more secure mailing address. Wells Fargo refuses to protect my financial information.

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 2017-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Reporting Agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. The following companies I have NEVER done business with : XXXX XXXX XXXX OR XXXX XXXX XXXX. I DO NOT have a signed contract nor ANY contract with XXXX XXXX XXXX OR XXXX XXXX XXXX. I have the right to demand a to see an original signed contract between XXXX XXXX XXXX and myself and XXXX XXXX XXXX and myself. These contracts do not exist, the accounts are unverified, and hurting my credit report. Therefore, the below mentioned accounts MUST be removed from my credit report immediately. XXXX XXXX XXXX, {$520.00} XXXX XXXX XXXX, {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Green Trust Cash, LLC
State: IL

Complaint narrative:
I took out a {$450.00} installment loan with XXXX XXXX in XX/XX/XXXX. My payment was an ACH payment of {$100.00} every two weeks. I called them up on XX/XX/XXXX to get my balance to pay in full on XX/XX/XXXX. The representative said my payoff will be around {$530.00} on XX/XX/XXXX. This is ridiculous and should be illegal the amount of interest that this company is charging. What Greentrust is doing to consumers is tantamount to a armed robbery!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is a multi-part problem with Citimortgage. XXXX XXXX XXXX XXXX. covered my total XXXX for 9 years, but refused to honor my XXXX policy for vocational rehab, so I lost 75 % income overnight and got into financial trouble. That left me with Soc. Sec. XXXX and Calif. Dept. of Rehab. Calif. has poor enforcement of XXXX insurers, no atty would take a case for 4 years of voc. rehab benefits. I fell behind on my mortgage. Keep Your Home Calif. would not help me because they illegally count XXXX income as net income ( there is no taxation for this income, thus, it should not be reduced for withholdings ). Citimortgage would not allow me to refinance to a lower interest rate ( I was at 6 % and rates dropped to 2 % ). I could not get a loan mod. My XXXX income date fell 2 days after my mortgage pmt so I was always late, accruing $ XXXX/mo late fees. I caught up on the 2 missed payments and begged Citi for a new payment date so I was n't always late, but I never missed a payment. As a compromise, XXXX XXXX, of Citi 's Executive Unit said when I sold my home she would reimburse me the late fees. I sold my home XXXX and no one in the Executive Unit would honor her promise. She no longer works there. After I sold my home ( not a short sale or foreclosure ), I paid off the mortgage in full. I did not file for bankruptcy, nor did they reduce the payoff of the mortgage. I have moved 5 times since I sold my home trying to start a new life and continue on in school ( vocational rehab ). I only found out a couple months ago, Citimortgage reported me to the credit reporting bureaus as a foreclosure. I file the correction, but they refuse to take off the 2 missed payments from 2011. I feel Citi made me pay late fees for my " mistake '' of late payments. I now feel they owe me for their mistake of reporting my total payoff of my mortgage as a foreclosure -- it cost me a bad credit for over a year ( until I discovered it ). They refuse to apologize or discuss honoring XXXX XXXX 's promise as a compromise. This has made it hard to re-start my life. If they can dish out punishment for mistakes, they should also have to pay for theirs. Thank you for listening to my views. ALSO, DO NOT BUY XXXX INSURANCE UNTIL THERE IS ENFORCEMENT BY STATE GOVERNMENTS. CALIF. DEPT . OF INSURANCE REFUSES TO ENFORCE XXXX BENEFITS, LEAVING TAXPAYERS TO PAY AND CAUSING THE XXXX TO LOSE THEIR 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 2017-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: MS

Complaint narrative:
This company calls me every single day, several times per day, starting from XXXX XXXX and going through XXXX XXXX, from a new phone number almost every time. They do not leave messages, but when I return their calls they answer as Diversified Consultants , Inc . I have asked them to stop calling me, but they still call. I have also been on the Do Not Call Registry since the inception of the registry, updating my request each time I change phone numbers and every few years ( even if I have not changed numbers ). Collectors have been trying to collect from my phone number on a debt apparently owed by a XXXX XXXX since I got this number in 2010, and rather than removing this number from their lists, it gets passed along from collector to collector. This agency is the WORST in terms of frequency of calls and times of calls, and switching phone numbers so that I can not keep their calls blocked.

Company response to consumer: Closed with explanation