vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: UT

Complaint narrative:
I was shopping around for a refinance company, and Loan Depot called me. We discussed the process and the representative kept asking if he had my full commitment. He already had the numbers and was very pushy throughout this very long phone call. I asked if I could continue looking. The representative said of course I could however I would not find the same rates. They also said it would take 30-45 days for closing. 

After doing more research on Loan Depot and the refinancing process I decided not to go with Loan Depot and emailed the representative the very next day stating I did not want to move forward with them on the refinancing and asked for my valuation fee of {$420.00} back. 

The representative replied stating that they just needed a few more documents from me and the valuation to move forward. I again replied that I was not comfortable and that I would not be moving forward with them. 

I spoke with three different inspectors and asked them to cancel the valuation. I spoke with Loan Depot XX/XX/XXXX and asked when this loan would be closed and I would receive my credit, I was told it should be within 24-48 hours. This has been ongoing since XX/XX/XXXX. 

During this process with Loan Depot I have felt pushed into something I really didnt understand and was told that no one needed to know my husband and I are divorcing to refinance, I was charged on a card that had just gotten paid down, which the representative also knew about and when I wanted to cancel the representative kept pushing me to answer why even after I told them several times, I just dont feel right about it. I was also told that I was on a recorded line several times agreeing to the commitment. 

It is my right to change my mind. The valuation was never done and I would not recommend Loan Depot, very pushy and not very explanatory and I still havent gotten my money back as stated.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have been unable to access my PayPal Extras MasterCard account online for months. When I log into PayPal, I can see my card balance. When I try to open the website where I can make payments and see my statements, I am directed to : https : //paypal.syf.comXXXX This message appears on the page : Login Not Permitted We're sorry. We have a problem with your account that needs to be fixed before we can restore your online access. 

Please call us at XXXX This is the customer service number for my PayPal Extras MasterCard. I have called them at least once per month since this issue began in 2017. 

These are the actions they have taken over the phone : They have sent me a new card. Three times they have said my card wasn't " linked '' and they have " linked '' it. They emailed a manager. They have sent me a portion of my old statements by mail. 

I keep calling and telling them my issue. Each time, the customer service agent does one of the above mentioned and says I should be able to login within 2-3 days, and sometimes 7 days. I have told them I would complain or consider closing my account if it wasn't resolved.

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 2018-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I ordered my free annual credit report from all three bureaus XX/XX/2018, received my XXXX and XXXX  reports but have yet to get my Equifax credit report. The FCRA states that a consumer is to receive their requested credit file no later than 15 days. I dont care if Equifax is having high volumes of equests because that is not my problem, its Equifax responsibility to provide me with a free copy of my credit file within 15 days of requesting it. They are breaking the law and in violation of FCRA, they are potentially ruining my credit by not providing me with my credit report because I have no knowledge of what is on my credit report with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
Company first contacted me on XX/XX/XXXX at XXXX XXXX. XXXX. It was an automated message for a XXXX. I called the number back and they were looking for my son for a debt that was charged off in XXXX for {$63.00} at XXXX XXXX. I advised them I had paid that debt years earlier. The man on the phone connected me to what he referred to as the XXXX XXXX XXXX. I advised again to XXXX that the debt was paid and he wanted to give me an email address to send the letter of satisfaction to. 

I requested their address so I could send the letter, once found to them via registered mail. XXXX would not provide an address stating it was a time sensitive matter and if I did not comply via email, they would send the sheriff to my sons address with a warrant. I warned them that I would take legal action on both them and XXXX if a sheriff showed up. He hung up on me. I found out later that they are also calling my future daughter in law nearly every day, several times a day. 

Today/ XX/XX/XXXX at XXXX XXXX. XXXX, they called again. This time I told them they were calling the wrong person and to remove my number from their calling list. The man did not identify himself and began swearing at me, calling me a XXXX XXXX before hanging up. 

The company identifies itself as XXXX XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
never applied for any of these please help XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - non specific XXXX XXXX XXXX XXXX  XXXX, TX XXXX ( 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 non-monetary relief
Consumer complaint received 2018-07-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have Care Credit card - Synchrony Bank, they gave me 18 months same as cash and my former balance was about {$4200.00}. Today I got my statement and it was {$6300.00} because they charged me interest for 2-3 year after my promotion ended. This should be illegal taking advantage of people who don't understand all of the fine print and they never informed me of back interest. I am not a lawyer and don't understand all of the legal wording.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-16 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: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
This Navy Federal account # XXXX or account # XXXX has been paid-in-full. Navy Federal was contacted directly on XX/XX/XXXX and again on XX/XX/XXXX. It is not " Derogatory '' or in a " Payment Plan ''. It should be listed as " closed ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PINNACLE RECOVERY, INC.
State: CA

Complaint narrative:
I received a bill from Pinnacle Recovery in XX/XX/2018 for XXXX. The debt was from timeshare maintenance dues for XXXX XXXX  that I had not paid. When I received the bill, I logged into the account per the instructions on the Pinnacle bill. I set up a payment plan and the debt was paid in full within 3 months. At the end of XXXX I received a call ( about a day or so after the debt had been paid in full ) from a Pinnacle representative. He said that I still owed " around {$150.00} or {$160.00} something '' and that if I didn't pay right then over the phone, I would remain in collections. I asked to speak with a supervisor who sounded like the same person. He told me to pay it now over the phone and then hung up on me when I asked him to please explain why I still owed them money. I called XXXX to get help from them and the representative told me that Pinnacle had the account and until it was paid in full, they would not be able to get the account back. I have to work it out with them. I explained to the representative at XXXX that no one was able to tell me the exact amount I owed or why and she told me she was sorry, she was unable to help me. I received another bill from Pinnacle for {$130.00} on XX/XX/2018. I logged into the account and paid it in full that day. I received a call from Pinnacle right after it was paid. They did not leave a message but I recognized the number as I now have it saved in my phone. Every day since I have paid the debt in full I have attempted to log into my Pinnacle account to see if there is anything else I owe. Since XX/XX/2018 when I enter my account number it now says the account number is invalid. I received an email from Pinnacle on XX/XX/2018 stating that the account was paid in full. XXXX XXXX XX/XX/2018 ) I received another message from Pinnacle that they are attempting to collect a debt from me. I attempted to log into my account on the Pinnacle website to see if the account had been reopened with another amount and it still tells me the account is invalid. I imagine I will get another bill months later for some other amount. I refuse to pay over the phone because of the many scams out there and every representative I speak with gives me a different approximate amount. I am unable to get out of collections with this company because they keep asking me for more money every time I pay the bill in full. I am unable to pay anything to XXXX because Pinnacle holds the account. Please let me know how I can get this bill out of collections. My parents are also now getting harassing phone calls from Pinnacle. I am not even sure how they got their phone number.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-16 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo made erroneous credit report. See attached letter dated XX/XX/2017 to XXXX XXXX XXXX of Wells Fargo complaining about Bank Error.

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 2018-07-16 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: TN

Complaint narrative:
This XXXX XXXX account # XXXX or account # XXXX has been paid-in-full. XXXX XXXX was contacted directly on XX/XX/XXXX and again on XX/XX/XXXX. It is not " Derogatory '' or in a " Payment Plan ''. It should be listed as " closed ''.

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 2018-07-16 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: TN

Complaint narrative:
This XXXX XXXX account # XXXX or account # XXXX has been paid-in-full. XXXX XXXX was contacted directly on XX/XX/XXXX and again on XX/XX/XXXX. It is not " Derogatory '' or in a " Payment Plan ''. It should be listed as " closed ''.

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 2018-07-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
Company stated they did not get the XX/XX/XXXX payment Discontinued online payments that were made because of security problems they stated XX/XX/XXXX XXXX XXXX account XXXX check # XXXX XX/XX/XXXX Phone Payment to XXXX confirmation # XXXX {$400.00} XX/XX/XXXX Phone payment confirmation # XXXX XX/XX/XXXX XXXX XXXX  Confirmation # XXXX XX/XX/XXXX XXXX confirmation # XXXX XX/XX/XXXX XXXX confirmation # XXXX XX/XX/XXXX XXXX confirmation # XXXX Called and was told I owe over {$500.00} this month in addition to monthly statement amount. 
I am constantly being charge {$18.00} every month. 
XX/XX/XXXX bill {$860.00} with {$18.00} late fee XX/XX/XXXX bill {$890.00} with XXXX late

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial
State: TX

Complaint narrative:
I received a letter from the federal trade commission saying that Ameritech Financial is being sued for deceptive practices. According to the information on my loan account my loans were consolidated on XX/XX/XXXX. This is when I joined Ameritech financial. 
My first year and half was {$250.00} a month, then it was lowered to {$99.00} a month. 
I had several calls from other companies asking me to move over to their company, I am a consistent individual so when I am with a company I stay with the company. 
Ameritech contacts me via email when I make a payment, before a payment is due and what it will read on my bank statement. I never thought they would be sued. 
Here is where they started to " rub me the wrong way ''. 
I had to change bank accounts and in that process I contacted XXXX XXXX with Ameritech asking her to give me the address so I could sent them a money order. I did not hear from her so I sent it to the wrong company ( XXXX XXXX ). 
She contacted me later saying I was behind on my payments and they never received the money. I let her know that I sent it to XXXX XXXX and she said none of my payments are going toward the balance of the loan ... Confused I said, how do I get the money back? She said I needed to call XXXX XXXX directly ... That was XX/XX/XXXX ... I still have not gotten the money back for that transaction. 
XXXX contacts anytime they do not receive a payment or my payment is late because of automatic drafts, however contacting them is a long phone call, and days of waiting. 

I did take the time to change my password and information for XXXX XXXX and XXXX as advised in the letter. Through these websites I have seen that my overall balanced has increased significantly, as if payments have no been made since XXXX. 
I am angry, confused, and disheartened, because I have given a portion of my earned income each month hoping that my, now consolidated loans, would be lowered. 
As a consumer what can you do for me?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Ameritech Financial
State: TX

Complaint narrative:
I enrolled in Ameritech Financial in XXXX of 2017 and started immediately paying {$230.00} a month for them to assist me with my school loans. ( 10 months of payments ) Ameritech Financial led me to believe that they were assisting me with my school debt and that they would be acting in my best interest. None of the money that I have paid to them has gone towards the amount of my student loan. I have not seen any benefits from their services, absolutely NONE.. 
I called the Department of Education and they stated that they have never heard of this company and my arrangement with them was not notated on my account. 
I have called them to get confirmation on this matter, but I am told due to high volume calls they will get back with me within 24 hours. JOKE on me. 
I emailed the company and requested that they would not deduct the next payment from my account without clarification of their services. 
They prey upon the desperate people who already can not afford the high student loan repayments.. So sad

Company response to consumer: Untimely response
Consumer complaint received 2018-07-16 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: GA

Complaint narrative:
I was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX, XXXX, XXXX and XXXX. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.

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 2018-07-16 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: GA

Complaint narrative:
I was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX, XXXX, XXXX and XXXX. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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: GA

Complaint narrative:
I was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX Account:XXXX  I was never late 30, 60, or 90 days late in the months of XXXX, XXXX, XXXX, XXXX and XXXX. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.

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 2018-07-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian credit reporting agency did not remove 2 inquiries on my credit report. They were to be removed on XX/XX/XXXX. The 2 inquiries are for XXXX XXXX XXXX XXXX. The initial inquiry was 2 years ago. I just checked the report that is current as of today XX/XX/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 2018-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
I'm a discover cardmember since XX/XX/2016 and made 100 % timely payments, but on XX/XX/XXXX I made a payment in the amount of XXXX and because of a frozen bank account it didn't go trough.. so i re-did a payment on XX/XX/XXXX from a third party bank account but because a other check came in in the same time the payment was returned.. so I did over the payment on the XX/XX/XXXX and THANKS XXXX   everything went smoothly, but DISCOVER closed my account cuz of this payments, was on the phone with them for almost an hour and they kept on transferring me to other departments on & on ... and the main they said they cant re-open the account they just closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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: NY

Complaint narrative:
I have filed a report with the federal trade commission and identity theft.gov regarding these fraudulent accounts opened in my name without my authorization or permission. I demand these accounts be deleted completely off all major credit reporting agencies as they are fraudulent misleading and deceitful. I am avictim of identity theft and have attached my report supporting my dispute.

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