vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Visio Financial Services Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I was informed my loan was going to transfer servicing companies. I made my XX/XX/XXXX payment on XX/XX/XXXX and was assured it would be forwarded. The agent at Visio Financial ( the investor ) XXXX XXXX also told me that my loan was current although my XXXX payment hadn't been received yet ( it was still XXXX so not over 30 days past due ). In early XXXX I received a few documents from XXXX XXXX dated XX/XX/XXXX and a temporary payment coupon for approx. {$910.00} for my XX/XX/XXXX payment. I called to confirm as I had over {$400.00} in a suspense ( unapplied funds ) account. I was then informed that they did not have my XXXX or XX/XX/XXXX payments and I was considered to be in default and as such were invoking a 36 % default rate. I sent XXXX XXXX an email and left 2 voice messages and received no response. I called XXXX and they referred me back to XXXX stating their contact, XXXX XXXX ( XXXX ) would be in contact with me. I explained to XXXX the problem, I was in default and every payment had been made. He told me in XXXX there was $ 400+ in unapplied funds but was not able to see the funds at the current time. Since then, the XX/XX/XXXX payment has been applied. The XX/XX/XXXX payment still has not been applied nor have my unapplied funds in suspense been recovered. That amount would have more than covered the shortage for XXXX and XXXX which totaled less than {$100.00}. XXXX XXXX requested my bank statements proving all payments. I sent the statements redacting only the dollar amounts for other debits and credits not related to the mortgage. Today, XX/XX/XXXX he sent me an email stating they cant be redacted as they have to see ALL my credits and debits regardless of what they are for. That is my personal information ands not related to the payments for the mortgage. I closed this loan in XX/XX/XXXX and my first payment was due XX/XX/XXXX. In XX/XX/XXXX the servicing was transferred and I made an additional payment in case it was my XXXX payment was lost in the transfer, it wasn't. In XX/XX/XXXX I skipped a payment as I was 1 month ahead due to the additional payment in XX/XX/XXXX. I also made over payments in which the funds were to be applied to unapplied funds ( suspense ) which is now unaccounted for. I am attaching my bank statements in the same format as I submitted to XXXX. I have not missed a payment nor am I in default. I also would my unapplied funds returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am the co-signer on a Synchrony Care Car credit card. On XX/XX/2018, I called Synchrony Bank about a lot of late payments that have been reported inaccurately to the credit reporting agencies. This has been a consistent problem for me and the person that I co-signed for. The person that I co-signed for, has on numerous occasions, had to call the bank to have the discrepancies fixed. The bank even issued a letter the primary person, which apologized for the errors. However, the bank continues to make the errors and now refuses to fix the errors on my credit report or stop making late payments appear on the other persons credit report as well. I have tried to call to resolve the issues, but I am given a blanket statement that there's nothing I can do without the other persons bank account information! They can't look it up in the system to see that this is a continuing problem and I have spoken to representatives on a few occasions, including supervisors who can not fix the issue.

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 2018-07-24 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have a CareCredit account with Synchrony Bank and have been using it for some time now. Without my knowledge, Synchrony opened a separate account that was a Care Credit Rewards Mastercard in my name. This account existed alongside and separate from my primary Care Credit account. I only discovered it by logging into the mySynchrony portal and seeing two accounts listed where I expected to see one.

I contacted Synchrony bank and they said that I was sent a letter that required me to opt out to not have the Mastercard account opened. I never received this letter. They also said this was an " upgrade '' to my existing account, which does not seem to be accurate since my balance on my CareCredit account did not show up under the Mastercard account. I instructed Synchrony bank to close the Mastercard account and leave my Care Credit account open, and they agreed to comply with my request. However I do not know the damage this may have done to my credit from having an additional line of credit opened in my name. 

This is a deceptive practice that is borderline identity theft. It is unlawful for any entity to open a line of credit in my name without my authorization. If this is an " upgrade '' of the card, then at the very least I should have been contacted directly for authorization prior to the changes in terms of service and not " opted in '' automatically without my approval. Altering my account without due notice and agreement is also unethical and potentially unlawful.

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 2018-07-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX closed my account without any notice / warning due to " Inactivity, '' and it dropped my credit score 7 points ( 4 pts with Trans Union, and 3 pts with XXXX ) I understand that if I close an account that it will have a negative impact on my credit score. In a case where the creditor closes an account in excellent standing because the card holder is being responsible, and keeping the card for emergencies only ( At 26.99 % APR ) it seems extremely unfair to penalize the cardholder. As I said, there wasn't even a hint that XXXX XXXX was closing the account. I work very hard to maintain an excellent credit rating, as is reflected in my report, and I find it very disturbing that a creditor can undo that, despite having had no issues other than " Inactivity. '' I have contacted both XXXX and Trans Union about this issue, and was told that there is nothing they can do because it was " A change to my account, '' regardless of who caused 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 explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XXXX is reporting to Transunion that this account is open and past due. I filed for Bankruptcy protection in the XXXX District State of Oklahoma Case # XXXX. They have also called me several times and I have advised them I filed bankruptcy and they should not be calling me.

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 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Account Name/ Number ~XXXX/XXXX XXXX XXXX-XXXX ~XXXX XXXX- XXXX The above account are being reported as late and I've never been late and i have A 1 credit. Your company continue to report these negative items on my credit profile which is inaccurate information. I've sent several letter on behalf of this matter and you continue to report this inaccurate information thats 's damaging my credit profile.

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 2018-07-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Account Name/ Number ~XXXX/XXXX XXXX XXXX-XXXX ~XXXX XXXX- XXXX The above account are being reported as late and I've never been late and i have A 1 credit. Your company continue to report these negative items on my credit profile which is inaccurate information. I've sent several letter on behalf of this matter and you continue to report this inaccurate information thats 's damaging my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: MN

Complaint narrative:
I originally faxed Experian about inacurrate bankruptcy listings on my credit report XX/XX/18. I did not receive my results until XX/XX/18 which was beyond the 30 days the FCRA allows. I than faxed on XX/XX/18 asking for a verification of the method used and how they verified their information to include who they spoke too, what court they contacted, the phone number, and address or what 3rd party verification they used. Today XX/XX/18 I received a letter saying in essence look at your report and figure it out yourself. That is not in compliance with the FCRA. I contacted the court myself and they sent me a letter saying they report nothing to the credit bureaus nor speak with credit reporting agencies. ( Letter included from court ). My XXXX report has been frozen as well as my XXXX, XXXX XXXX, XXXX have all been frozen.

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 2018-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Progressive Financial Services, Inc.
State: NY

Complaint narrative:
Progressive is charging me over 2,000 $ for something I never used. I dont own a car I dont own a insurance so I dont know why are they charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: TX

Complaint narrative:
I filed a complaint with the CFPB to get validation for XXXXXXXX XXXX. The company stated that they were unable to validate my account. see attachment

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 2018-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Metropolitan Home Mortgage, Inc.
State: NV

Complaint narrative:
Hi.. In the beguiling of the process of a refinancing the loan.. 

I specific ask some cash out. My mortage agent XXXX XXXX was who original talk to and everything when as plan i had few issues with some of the collections the i told them the i want to avoid pay them, for a reason, I ask a XXXX k cash back so i can pay and seatle my self for a low amount of money and safe me money of the end.. 

But the problem i have now they when and go ahead and pay all this collections with out telling me about what was being pay.. i thought i was getting the XXXX but they pay all this accounts by not letting me know.. they lie to me and i got on XXXX ..in return they pay all this accounts and after all this accounts i got left XXXX my irritation with the company is that i was not aware and they new that and didnt tell me ... now i have a refinacing house with outrage interest.. 

I trust the agent to do keep me inform and advice me of bad situation but at the end they just want the sale didn't care about the person behind.. 

this situation got me so rage and cost me XXXX dollars for their actions ... 
mister XXXX XXXX when i confronted accepted the mistake i have one audio recording as well that he was accepting the mistake he made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
Lost job in XXXX. Got another job but not making enough to cover all bills. PNC Mortgage and Mr XXXX agreed to a re-payment plan where he had to put down {$3500.00} and proceed to pay {$1800.00} per month for 18 months. Have receipts for this. PNC made an error ruining the payment plan causing it to stop. PNC fixed error. I continued with the payment plan. PNC made another error saying Mr XXXX owed an addl payment after the payment plan ended in XXXX, Mr. XXXX paid an addl two months payment. PNC Bank rejected the payments and now the house is in foreclosure. I applied for a modification in which I was denied based on my income. I applied recently with my current lawyer XXXX XXXX. My income is no longer an issue now. It has increased tremendously. He is now working two jobs that total XXXX a year plus to rental incomes in on e of my properties. All income and rental incomes with lease are provided in attached documents. PNC Bank refuses to look at my modification stating they have a policy that you can only apply to loss litigation twice. Mr. XXXX want to keep my home. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
I received a credit monitoring alert regarding a collection for Midwest Recovery Systems in regards to a payday loan in the amount of XXXX from XXXX XXXX XXXX.   I was never notified via phone, email, or mail of this debt to dispute this. This debt also is over 10 years old and the company XXXX XXXX XXXX notified me via mail this debt was forgiven over 10 years ago due to how it was obtained without my knowledge. Midwest Recovery somehow got a hold of this non-debt and is attempting to collect illegally let alone report it to the credit agencies without notifying me first. Per my XXXX report it was opened on XX/XX/18 and reported on XX/XX/18 and i got a notice from my credit monitoring on XX/XX/18. I have filed a XXXX complaint and will be contacting my lawyer once I receive notice from this company of validation of such debt and when I was notified as I was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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 filed a complaint with the CFPB to get validation for XXXX XXXX. The company stated that they were unable to validate my account. see attachment

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 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have a some addresses on my report that are not mine. 
My name is XXXX XXXX XXXX please remove any other variation. 
My company is XXXX XXXX ( XXXX XXXX ) My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX PLEASE DELETE/REMOVE ALL OTHERS ADDRESSES XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX THE FOLLOWING PHONE NUMBERS ARE NOT MINE PLEASE DELETE ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Shellpoint mortgage has not complied with their agreement of assumption making it difficult for me to pay the mortgage to the account in which I assumed. 

They still have the account opened in my ex husbands name after the assumption was granted and an account in my name as well. ( please see document dated XX/XX/XXXX. ) I had to endure ongoing fax, email and calls, showing them documents from my bank stating only one mortgage payment was returned to my bank ; however, they placed account in delinquency. ( XX/XX/XXXX letter, outline my efforts ). 
I requested the online account access information be in my name only, which I was told the IT department will correct. Account not updated as of this date. 

I obtained an email last week to notify ex husband the mortgage is due. 
I am being harassed by ex husband because this information is still on his credit report. 

.They caused me financial hardship by taking two mortgage payments in the month of XXXX ; hence they have and still continue not to close the account in my ex-husband name. 


They failed to file the new deed in my name only with the City of XXXX deed department. They failed to send me a copy of the assumption paperwork after I requested on several occassions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, In XXXX/XX/XX/2017 I opened a checking account with Wells Fargo under a promotion to receive {$200.00} with certain quailfying activities. I met those activities within the required time and soon thereafter, while waiting for my bonus to be issued, my account was closed by the bank. 

I called and was told it was closed because the account was " not sufficiently being used ''. After opening a claim with their customer service they said I did meet the qualifying activities and would need to go into a branch to receive my bonus. When I went to the branch the banker had no knowledge of the bonus and said I would not receive it. I since opened a second claim that, upon following up today, they now have no record of it. 

I have to date opened two claims with their resolution department, upon which after follow up, their reps are unable to find any record of.

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 2018-07-24 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: MD

Complaint narrative:
I filed bankruptcy only one was XX/XX/XXXX, My Trans Union was discharged.

( See Attached ). They change dates and switch names now to XXXX XXXX XXXX. The last time attend College was in XXXX. They are still reporting incorrect 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 2018-07-24 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: MD

Complaint narrative:
I filed bankruptcy only one was XX/XX/XXXX, My XXXX XXXX was discharged.

( See Attached ). They change dates and switch names now to XXXX XXXX XXXX. The last time attend College was in XXXX. They are still reporting incorrect 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 2018-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: WY

Complaint narrative:
My mortgage that I took to buy my home in 2001 originally was with XXXX, when XXXX went through bankruptcy the loan was sold, changed to Green Tree then Ditech. After missing two payments during a divorce I was threatened with foreclosure. For missing two payments of {$1300.00} each, I ended up paying them over {$8700.00}.

My payments have been current through auto deduct from my bank account for the last eight years. After the threatened foreclosure Green Tree required me to do a monthly bank draft and charged {$16.00} for every draft, said that was the only way they could accept the payment. When I asked for a loan modification they ignored the paper work I sent them, called and harassed me, had a person showing up every Sunday when all the neighbors were home and made a big display out taking pictures of the property. 
My issue now is they are not showing my mortgage payments on my credit report, not showing me as a home owner, and it looks like intentionally trying to keep my credit rating degraded to prevent me from refinancing. 
Is there someone I can call to help me with this, what documents to supply etc. 
XXXX XXXX XXXX XXXX XXXX XXXX, Wy XXXX XXXX

Company response to consumer: Closed with explanation