vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-30 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Synchrony Bank continues to report an account I closed and paid in full back in  XXXX     1989. The y include a negative comment on the file and have been doing so for 28 years thus only serving vindictive purposes. The credit reporting agencies are no angels in this as they had the opportunity to tell their clien t ( th e bank ) that this dispute is too old to report -- instead they cower to their clients ' wishes and ignore the consumers. The credit agency did not investigate my dispute and simply followed the orders of their client. Note, the bank reports a  XXXX  balance that was paid in full in  XXXX   1989.

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 2017-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
My mortgage has been sold to  XXXX  from Bank of America. Bank of America had all paperwork for modifying th e three  months I am behind due to medical issues. B ank of American has all paperwork including but not limited to FMLA and medical records from my physician. I was unable to  work for three months because of an injury and subsequent  XXXX  to remove my   XXXX   XXXX  . Bank of America has all the paperwork I was verbally told this in  XXXX   of 2017 an d now I receive a letter stating they need additional paperwork.  XXXX  has my loan currently. I am making the regular monthly payments to  XXXX  currently. Bank of America dropped the ball ... .again. I want Bank of America to take care of this immediately. I was told by my loan manager they would add this arreage to the end of my loan.

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 2017-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
chase bank foreclosed on the previous owner not me, and added my name to the foreclusre complaint a day before the judgement and did not summons me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I had applied for a mortgage and found out th at Portfolio Recovery Associates wa s reporting a collection account for a  XXXX   XXXX  credit card debt. I have NEVER had an account with  XXXX   XXXX  ever. I have told all  XXXX  credit bureaus this as well as Portfolio multiple times. I have sent certified letters asking for proof of this alleged debt and all they have sent me was a couple of  XXXX   XXXX  statements not showing anything that was actually purchased. The balances on the statements they sent me do NOT match what they are reporting to the credit bureaus either. This is my last effort to resolve this erroneous account before i send this to my consumer protection attorney to sue them for FCRA, FCBA, FACTA and FDCPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Keep getting calls all day long  from Macys Blloomies and MCCS which is also Macys. I do n't even have an account with them nor does any family members. Do n't even shop at Macy 's. Every time I block the number they call on another one. From what I have read others have tried to stop them but have n't been successful so I have n't bothered contacting the company. Not sure if it is really Macy 's or  not. They just called again from this number  XXXX  and this is only  one  of tons of different numbers they use.

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 2017-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Flagstar Bank, National Association
State: FL

Complaint narrative:
I have asked NYCB several times to report the correct mortgage account information to the credit agencies for myself and my wife to no avail. Our mortgage account has been opened and paid on time since  XXXX  and they report it as closed. I called them in  XXXX   XXXX  to make the request and they told me I had to send a LETTER via  usps. I un derstand that they need a record of all correspondence, but in this day and age, that is ridiculous! Even the IRS and FDIC has online request submissions. I digress.     I sent a letter on  XX/XX/XXXX  and received a letter from them a month later saying that it will be updated. Several months go by and no update on our credit reports. I sent another letter on  XX/XX/XXXX  and received a letter from them a month later saying that it will be updated. Waited a few more months  and one of the  credit agencies show the account as open for my wife but only shows the last few months of payment history - still no update on my credit report. I sent another letter on   XXXX   and received a letter from them a month later saying that it will be updated. Today, still no update on the credit reports!     I must say, again, this method of communication is 100 % ineffective. If I could talk to someone on the phone there is at least a remote possibility that I could speak to somebody that could at least explain the problem or maybe even fix it.     I sent another letter today, but am also filing an official complaint as this issue is negatively affecting our credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
After a very serious recent bout with   XXXX    XXXX   XXXX , in   XX/XX/XXXX   I calle d the management office of a building I had to move out of in  XX/XX/XXXX  ( due to my sickness and inability to work ) to ask what t he balance was that I owed. I was told that " IF '' there was a balance it would be out of his hands and it would have been sent to a collection agency. He told me to call the building 's attorney for that information, so I did. The attorney told me she also was not sure, but gave me a number for the debt collection agency that they typically use. I immediately called that agency and spoke to a supervisor, who informed me that their company had no information on me AT ALL as of that day, and if they did receive anything I would be notified in writing/and or by telephone. That was more than 3 months ago. Today I received alerts from all  XXXX  credit agencies that I have a debt collection balance of {$7600.00} from a company called  XXXX   XXXX . To this day I have never received a letter or a telephone call, and yet they have damaged my credit without giving me an opportunity to dispute the debt. Of course this is against the law. As failure to send a written notice of  the debt is against the law, and according to the law the collector is required ( within five days of initially contacting me, which was NEVER done ), to send a written notice of the debt that includes : 1 ) The amount of the debt 2 ) The name of the original creditor to whom the debt is owed 3 ) A state ment describing my right to dispute the debt. NONE of these things were done. Therefore, I want this trade line removed from ALL  XXXX  of my credit reports IMMEDIATELY, and I would like an opportunity to go over the amount they say I owe, as I also believe that the amount stated is ALSO not accurate.

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 2017-05-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute  XXXX    XXXX    XXXX   XXXX  on credit report number  XXXX . The account status and high credit is incorrect. Please delete the account.     Please attached credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My credit reports show that my credit history is only 6 months. I paid off a car that is reported on my credit. I bought the car in  XXXX   XXXX  and paid it off in  XXXX   XXXX . All  XXXX  credit reporting agencies previously showed this under credit history, but somehow it 's now only showing 6 months. The reporting company was  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 2017-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My credit reports show that my credit history is only 6 months. I paid off a car that is reported on my credit. I bought the car in  XXXX   XXXX  and paid it off in  XXXX   XXXX . All  XXXX  credit reporting agencies previously showed this under credit history, but somehow it 's now only showing 6 months. The reporting company was  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 2017-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ

Complaint narrative:
On   XX/XX/XXXX , Bay  view Loan Servicing ha d us start making three trial modification payments. On   XX/XX/XXXX , we st arted making  three  trial modification payments and finished on   XX/XX/XXXX ,  we made our final modification payment. Starting   XX/XX/XXXX , I  checked the porch daily for a permanent modification package fr om Bayview Loan Servicing. Fr om   XX/XX/XXXX   until the beginning o f  XX/XX/XXXX , for over 200 days I have checked my front porch for a corrected conversi on permanent modification packet that has never come. At the beginnin g of  XX/XX/XXXX  after checking the porch for over 220 days almost a year for the conversion packag e the permanent modification package there was nothing there on the porch. I calle d Bayview Loan s ervicing the beginning of   XX/XX/XXXX  and a sked about the package as I had done multiple times before over the 220 day time frame and I was told by Bayview Representative that nothing had gone out. For over 220 days I did n't leave my home for any situation that required more than an over night stay even during my husband   XXXX   XXXX  ,  XXXX  and hospital stay I would leave the hospital to check my front porch for the conversion permanent modification package  Bayview Loan Servicing,  my asset manager  XXXX   XXXX  stated was coming on multiple occasions. In the beginning o f  XX/XX/XXXX , I  had a family emergency I had to leave my home to go out of state, the family emergency resulted in  XXXX  and the  XXXX  was this pass weekend ; however , Bayview Loan Servcing s tarted foreclosure on my home for missing payments they told me not to mak e. Bayview Loan Servicing is  dual tracking my home. Although  Bayview Loan Servicing  had told me to stop making payments in   XX/XX/XXXX , I made trial modifications payments from  XX/XX/XXXX  until  XX/XX/XXXX  for ten month s and never received the correct conversion permanent modification pack age Bayview Loan Servicing sta ted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute  XXXX   XXXX   XXXX  on credit r eport number  XXXX . The balance listed on the account is incorrect. Please delete the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Northstar Location Services, LLC
State: PA

Complaint narrative:
I 've been consolidating all of my credit card debts through  XXXX   XXXX   XXXX  ' for the past 5 year s (  Starting  XXXX   XXXX  ). They have taken  XXXX  active accounts, not in collections, and negotiated settlements on all  XXXX  accounts.  XXXX  accounts have fully been paid off through the program, and the  XXXX  account was cleared for its final payment to  XXXX   XXXX   XXXX   ( Supposed t o clear  XXXX   XXXX  ). At the time of the final payment, the account  (    XXXX    XXXX   XXXX   ),  switched hands to a company called 'Northstar  XXXX . Northstar decided that they did n't want to except this final payment, and instead wanted to renegotiate the entire account. During this time when  XXXX   XXXX   XXXX  was dealing with these demands, the account continued to stay unresolved resulting in continues monthly withdraws out of my person bank account. The withdrawal exceeded my settlement by {$600.00}. I have continuously been calling  XXXX   XXXX   XXXX , for almost a year now, to check the status on the final payment. When finding out there had been no resolution to this account, I then had to call in every month and place a deferral on my account in order for  XXXX  to not take the payment out of my account. After getting no communication on the final payment that was made to  XXXX   XXXX   XXXX , I called in and asked to speak to a superviso r (  XX/XX/XXXX  ).  They transferred me to a man named  XXXX .  XXXX  explained that  Northstar  was committing a federal offense. He said that when he tried to send the final payment to Northstar they never cleared the payment. He said that they were refusing to except the final payment because they wanted to renegotiate the settlement.  XXXX   XXXX   XXXX  expressed that they have never dealt with this kind of situation before.  XXXX   XXXX   XXXX  also filed a complaint through the CFPB but said that they have not heard back from you, and that I should file a complaint as well to get this ball rolling. I have been trying to get this account settled for a year now. During this year, I have not been able to finance anything. As per my agreement with  XXXX   XXXX   XXXX , I am not able to take out any loan until all accounts are closed through them. I need this settled resolved as soon as possible. I will be attaching receipts that include clearance of payment for all of the payments made for the   XXXX     XXXX   XXXX  account. The final payment that I made to clear the account was a triple payment of {$900.00} and will not have a receipt attached due  to NorthStar not  clearing the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
My sister and I are listed as POD ( payable on Death ) for my uncle 's checking account at PNC. My uncle passed away  XXXX   XXXX ,  2017 but  PNC has frozen the account and not released the funds to me or my sister. They have provided NO INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute  XXXX   XXXX   XXXX  on credit report number  XXXX . The balance listed on the account is incorrect. Please delete the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: DC

Complaint narrative:
I am currently in a  XXXX   XXXX   XXXX  with   XXXX   Assistance. I have repeatedly explained this to the creditor informing them that I do not have the ability of freedom to pay them as all of my income goes to my copay for my care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute  XXXX   XXXX   XXXX   XXXX  on credit report number  XXXX . The balance listed on the account is incorrect. Please delete the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: GA

Complaint narrative:
My credit report was showing a few late payments in  XXXX  and  XXXX . I filed a dispute because the account was in deferment/forbearance for the dates during which the alleged late payments occurred. I got a report from  XXXX  this morning stating that the dispute was closed and the late payments were still showing on my account. I contacted  Fedloan and received no answers on why they did n't respond to the dispute. If Fedloan re sponded to the dispute request why were n't the late payments corrected? Also, I requested a copy of the letter that shows the account was in deferment in  XXXX  but have not received it yet. It has been ov er 4 week s since the original request. I called customer service and was told the initial request was entered in error b y Fedloan. Then, t he request was modified on  XXXX / XXXX / XXXX . I still do n't have the letter..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ

Complaint narrative:
From  XXXX   XXXX  to  XXXX   XXXX , I have tried to reach asset manager at  Bayview Loan Servicing o n several occasions. The most recent occasion was the beginning of  XXXX   XXXX , in which I wanted to know what my new mortgage payment would be in the permanent conversion modification package  Bayview Loan Servicing w as suppose to be sending since  XXXX   XXXX . I had obtained Homeowners insurance from  XXXX  and canceled the lenders forced placed insurance ; however, the lender has failed to cancel their forced placed insurance and notify me what my new payment would be. I left messages for asset manager  XXXX   XXXX  and  XXXX   XXXX . It is important to note the homeowners insurance we signed up for at  XXXX   XXXX  is {$2500.00} lower than the forced placed insurance  Bayview Loan Servicing place d on our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
On or around  XXXX   XXXX ,    2017, I cal led  an American Express customer service representative to ask whether I could upgrade my Amex Everyday card to the Amex Everyday Preferred card. I was interested in finding out if there were any promotional offers associated with upgrading my card. I specifically used the word " upgrade, '' and it was clear from the context of my request that I was requesting a product change from the lower version of the card ( Everyday ) to the higher version ( Everyday Preferred ). At no time did I ask for a new card account.      The representative appeared to understand my question and told me that there was an offer that would allow me to upgrade the card and receive  XXXX  membership rewards points if I spent {$1000.00} on the card within the fir st three months of us ing it. I agreed, and I made sure with the rep that this upgrade would not result in a hard pull on  my credit score. The rep  said that she was n't sure, but she thought it would be a soft inquiry rather than a hard one. Again, this led me to believe that she was in fact processing my application as an upgrade ( i.e., product change ) and not as an application for a new card account.     When I opened m y Everyday Preferred ca rd on Monday,  XXXX   XXXX ,    2017, I real ized that the representative had in fact processed my application as an application for a new card account, and  not as a product change. American Express had done a hard pull on my  XXXX  credit report. This hard pull, in combination with the new card account, caused my credit score to fall at least  XXXX  points with all   XXXX   credit reporting agencies.      Making matters worse, the email the representative sent me after our c all ( atta ched ) included the la st five digits  of the Everyday card account that I was attempting to upgrade (  XXXX  ) instead of the las t five digit s of the new card account that was apparently opened later (  XXXX  ).      On  XX/XX/XXXX   and  XXXX ,  2017, I  call ed American Express to as k what they could do about this, but the representatives I reached diverted me from department to department until a representative diverted me to an automated line, which then hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute  XXXX   XXXX  on credit report number  XXXX . The balance listed on the account is incorrect. Please delete the account.

Company response to consumer: Closed with non-monetary relief