vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-03 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: PA

Complaint narrative:
I signed up for PayPal Credit in XXXX and was given a line of credit worth thousands of dollars. I would regularly spend on this account and it was never reported to credit bureaus. There was a flexible payment option for this account that allowed late payments to be made and the only punishment for this was to pay more in interest. PayPal confirmed to me verbally over the phone and through their online portal that it would not be reported to credit agencies. Synchrony Bank took over PayPal Credit in the XX/XX/2019 and without notice began reporting to credit bureaus. I never agreed to updated terms for PayPal credit nor did Synchrony Bank report to me that there were new guidelines for this account. Synchrony Bank has inaccurately reported my credit and when I confront them about this in writing they say we have reviewed it and it is accurate. They refer me back to the PayPal Credit customer service number each time at XXXX. Synchrony Bank must delete my PayPal Credit account information from all relevant credit bureaus immediately. As you will see by my attached documents they make several mistakes on my credit report and have inaccurate information. On my XXXX, XXXX, and XXXX accounts they describe themselves as a " credit card '' and " revolving account ''. I never was offered or owned a physical credit card. They also say on my XXXX  report that my account was late only XXXX, XXXX, and XX/XX/XXXX. But on my XXXX  and XXXX  reports say I was late on XXXX, XXXX, XXXX, and XX/XX/XXXX. The reporting also contains inaccuracies when the account was closed. Although my XXXX and XXXX  accounts state my account was closed in XX/XX/XXXX my XXXX  says it was closed in XX/XX/XXXX. So how it can it be late on my XXXX  and XXXX  reports for XXXX if XXXX  says it was closed that month? They have single handedly destroyed my credit and it adds serious insult that is inaccurate. When I have disputed these inaccuracies to credit bureaus Synchrony bank falsely claims that my account information is accurate. And each time the credit bureaus have sided with Synchrony. 


I am not alone in experiencing issues with Synchrony Bank and you can reference this article in XXXX magazine that outlines my exact issues : https : 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 2021-03-03 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: LoanCare, LLC
State: WI

Complaint narrative:
Company still refuses my request to discontinue PMI insurance even though late payments were removed from my credit report. My first request to discontinue the PMI was in XX/XX/XXXX and there were no reported late payments on my account in the prior 13 years. Since I filled my complaint, I have not been able to contact the company by phone on several attempts and waiting on hold for several hours. The company has now began retaliation efforts by holding my mail in payments and not applying them until after the XXXX of the month and adding a late fee. My XX/XX/XXXX payment was mailed on XX/XX/XXXX and not applied to my account until XX/XX/XXXX. All of my other mortgage payments mailed on the same day were applied to my all of my accounts within 6 days.

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 2021-03-03 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 — Investigation took more than 30 days
Company: LEXISNEXIS
State: PA

Complaint narrative:
I tried to reach Lexis Nexis to correct adverse information on my credit report regarding my auto policy lapses. I have provided the proof from insurance companies to show there was no policy lapses at all. This has been going on for 4 months now and the customer support keeps saying that they sent letter to reflect the corrected information which I have not received in over 45 days or so. Their XXXX report management and incorrect consumer risk information is resulting in paying more premium than what I should. I have made more than a half dozen phone calls and wasted over 3 days or so far providing proofs, gathering receipts and talking to the agents. My wife and son are part of my policy and their information is also being reported incorrectly. This company is very unprofessional and lazy in in correcting or responding to and correcting their mistakes. My family is being penalized for promptly paying the premiums and maintaining up to date coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Date XXXX XX/XX/XXXX company name - Carecredit Card/Synchrony Bank Since XXXX XX/XX/XXXX get the credit card The Company action : The reason ( s ) for decision " The number of dishonored payments '' my Explanation credit Limit {$3000.00} My credit payment {$2000.00} Current amount {$330.00} I paid {$1700.00} in 5 months even though I had one year to pay for it. I actually paid ahead so I deserve better. So Why my Account Close? 
I don't want this to cause a problem on my credit history so please change your decision.

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 2021-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
On XXXX I was contacted by Quicken loans to do a refi on my new mortgage under the guise of saving me money on a monthly basis. The rep at that time stated that they were able to do an interest rate of 2.25 % with XXXX down. I said that sounds good but I need to think about it and requested the information in writing. The rep then emailed me the requested documentation with the loan information. The rep called back on XXXX and reverified the terms of the loan would be 2.25 with XXXX down, stating that my credit pull was needed in order to lock in the rate. I agreed with that specific promise of those terms. THe rep performed the credit pull and began to ready the load. The rep then returned to the call stating that the market had shifted slightly and the closing cost would be higher at XXXX. He stated that he wanted to wait a few days to get the closing cost back down and I agreed. He never called back, I left two voicemails for him and my calls went unanswered. In the interim another rep called me again stating that they could do a refi as if I never talked to the first rep. He then stated that it would be 2.5 with XXXX down and I advised thats not what I was told before. He said the 2.25 would be over 2000. I asked for a supervisor and he said one would call me back. I never heard back from a supervisor. I reached out to a personal contact in the compliance dept. who had a team member call me on XXXX she escalated the matter saying they could remove the credit pull. On XXXX I spoke with a XXXX who presented himself as a supervisor. He stated he would review and get back to me next day. He called on XXXX stating that the best he could do would be 2.75 with XXXX down. I advised this was unacceptable when I was guaranteed a rate of 2.25 with XXXX down which is the only reason I allowed my credit to be run. We disconnected our call. On XXXX I received a call from a XXXX with Quicken who again said he was calling to save me money and do a refi. He stated he could do 2.75 with XXXX Down. I advised him this was different from what was stated just last night at XXXX. He then stated we should look at conventional. He said he wanted to pull my credit to which I stated he was not allowed to do as they had already done so on XXXX. The rep did so anyway with me being immediately alerted that it was pulled. I questioned him to which he lies stating he did not do it. I disconnected the call. I was then called by a director stating he could do a different deal I told him this is crazy that they keep making up numbers and not honoring their original deal. I then received mail from quicken on XXXX stating that it was loan paperwork from XXXX with an interest rate of 2.25 % and XXXX due at closing. Quicken has now run my credit twice once to my detriment and the second without authorization. They have not honored their terms and have only proceeded by giving false information to drive a sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NV

Complaint narrative:
On XX/XX/201about i spoke to a XXXX at XXXX XXXX  and Crown Asset management ( my complaint is about both companies ) XXXX XXXX XXXX XXXX XXXX in CA and GA about a debt they just received they say is mine. I started talking about doing a debt settlement, when a XXXX burst on the phone and stating i can not get the money and started insulting me and threatening me and yelling at me and very abusive to me, then hung up on me. 

I am XXXX years old and this threatening and vertebral abuse is not right and maybe illegal. 

I also requested a Debt Validation which i am suppose to receive by law. I requested in the first 30 days. 

I am also going to file a complaint with my attorney general in the state of Nevada

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
Hello, a servicer named Radius Global Solutions submitted a garnishment order to my employer 's Payroll department to deduct {$160.00} per pay period, claiming the CARES mandate was lifted as of XX/XX/2021. The servicer claimed they were hired by the original servicer, XXXX. Based on my research and understanding, the CARES Act has been extended til XX/XX/2021 for student loan servicers to garnish wages. I need assistance sorting this matter out, as my payroll department insists they must move forward with garnishment unless they receive something from Radius Global Solutions.

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 2021-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: TX

Complaint narrative:
I consolidated my XXXX loan into a Direct Consolidation Loan in XXXX of XXXX. I also applied for an Income Driven Repayment Plan on XX/XX/XXXX. Fedloan Servicing incorrectly processed my income driven repayment application. I was placed on REPAYE for a payment amount of {$110.00}. I was notified of the outcome of Fedloan servicing processing my income driven repayment on XX/XX/XXXX. I immediately notified Fedloan of their mistake and they acknowledged the error that Fedloan Servicing made with regard to my IDR Application and I was placed on the incorrect IDR plan for the incorrect amount for income driven repayments. After correcting the error, Fedloan Servicing, sent me a new IDR outcome letter dated XX/XX/XXXX, that was correct and did list the Income Based Repayment plan for a payment amount of {$86.00}. However, in the interim timeframe Fedloan Servicing processed and sent me on XX/XX/XXXX a " Repayment Obligation/Schedule Disclosure Statement '' form. This form listed that I would have to pay {$13000.00} over the entire life of my Direct Consolidation Loan. Of that amount, {$2400.00} would be interest that I would pay over the life of my Direct Consolidation Loan. Since this form was created by a mistake via an error that Fedloan Servicing has accepted responsibility for I have asked on numerous attempts to be sent a new and " correct '' version of the " Repayment Obligation/Schedule Disclosure Statement '' that will list my payment plan as IBR and the total amount and interest amount I will be required to pay over the lifetime of my Direct Consolidation Loan. As of XX/XX/XXXX Fedloan Servicing has not provided me an updated and correct version of the Repayment Obligation/Schedule Disclosure Statement form. I am very unhappy about this. When I applied for a mortgage, when I applied for a car loan I was provided a Federal Truth-in-Lending form that provided me very clearly and directly the amount I would be required to pay both in total terms and interest amount over the lifetime of my car loan and mortgage. Fedloan Servicing seems to believe that Student Loan Borrowers are not worthy of the same types of consumer protection and to be clearly and directly informed of their loan terms. At least Fedloan does not believe in providing correct information. Fedloan made a mistake, was informed of that mistake, but has yet to rectify the sitution by providing a CORRECT version of the Repayment Obligation/Schedule Disclosure Statement. That is what I am asking the CFPB to look into. Why does Fedloan Servicing not believe in providing clear, direct, and correct information to a borrower who has been wronged by Fedloan 's gross negligence and mistaken process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: WA

Complaint narrative:
I have had a XXXX XXXX bill on my credit for years. I have fought it every time I receive it from a collection agency. This time it is from Credit Control , LLC. I have told them just like all the previous collection companies that I have never had XXXX. I have had XXXX or XXXX since 1998, and they said if I need, they would write a letter stating that! I have even filed a police report like XXXX told me to and sent it to them. Yet it is still on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Tried to reach Pentagon Federal C U with no success. They are trying to charge extra fees on payoff ( refi ) of their first mortgage on my home. These " fees '' ( " release '' and " recording '' ) were never revealed when we signed up for the mortgage, and we were told we could prepay the mortgage at any time without a penalty. These supposed " fees '' are simply penalties ( and income for them ) in disguise.

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 2021-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: SC

Complaint narrative:
Approximately XX/XX/2021 I applied with Better.com mortgage and provided all documentation asked promptly for a refinance ( XXXX XXXX XXXX XXXX and for a home purchase ( XXXX XXXX XXXX XXXX ). Both were denied due to " insufficient income ''. 

I provided proof I have a XXXX XXXX monthly IRA distribution. 
I provided proof I have XXXX XXXX  monthly gross rental income ( or XXXX XXXX monthly net after mortgage payments ) for a total XXXX XXXX monthly income. 
I provided proof I had over {$65000.00} in my checking/savings account. 
I provided a signed 2 year lease for XXXX XXXX monthly from new tenants on the pending home purchase. 
I provided proof I had {$480000.00} in my IRA. 

After I was denied my application for the home purchase, I paid {$280000.00} cash for the home I was hoping to get a purchase loan from Better mortgage. 

My intentions to obtain a refinance and home purchase were both denied due to insufficient income which is absurd. 

My credit score is also excellent, credit card usage is approx 3 % and all of this does not make make any sense to me why I was denied. I feel strongly I was discriminated against because of my race because nothing else makes sense to me. I clearly am credit worthy and have ample income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: NY

Complaint narrative:
I ordered a XXXX account. When I attempted to install the box, the account could not be set up on the system. After numerous calls, I was forced to give up and returned the equipment. I never received a bill to this day. Last year I noticed a collection company had posted a notice on my credit bureaus. I was never contacted to confirm if the charge was valid. After numerous efforts including contacting your agency, the notice on my credit reports was removed. This affected me for many months. Now once again a new collection agency is posting a collection on my credit report ( agency name ERC opened XX/XX/2020 in the amount of {$490.00} ). Once again I was never contacted to confirm this was an actual valid debt. If you review my credit reports I pay all my bills perfectly and on time. I am being deliberately harassed. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
In 2016 I got divorced, and my ex-husband was awarded our XXXX XXXX. I have the signed, notarized paper showing he was responsible for it. He quit making payments on this XXXX, and the dealership came to pick it up. It then went on my credit report as a repo even though he was responsible for it after the divorce, not me. I got a letter from a debt collection agency saying I owed for it. Since it was on my credit report and hurting me, I called the debt collector and Ally Financial to try and get it all resolved so it would be removed from my credit report. I was told If I paid the settlement amount, then the whole account would be closed in full, and Ally Financial would do a paid and delete. I have paid the settlement amount, but Ally has not removed it from my credit. After several phone calls speaking with XXXX XXXX and emails with no responses, I am reaching out to you. My credit is XXXX clear except for this problem thats not even my fault or my responsibility, but Ive taken care of it. I just want it deleted off of my credit report as Ally Financial promised.

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 2021-03-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
USAA mobile deposit auto corrected a check deposit to the wrong amount and refused to correct the transaction. The representatives lied to me about how this occurred and blamed it on irreversible issues with their computer systems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
I have submitted 4 correction/appeal through the credit bureau and also contacted Thunderbird about a collection that I found on my report when I was trying to buy a home. Thunderbird has put this on my account that is my ex wife. We have been divorced for 25 years. She has defaulted on her payments apparently and they have put her bill on my credit line. They have refused to correct it through XXXX. No explanation was given. I can not be held liable for someone I have been divorced from for 25 years. I have no joint account with my ex for anything and XXXX XXXX does not even have me or my name on any record they have. It was a no contested divorce with no children and no property. I was never responsible for any of her bills. This seems to be illegal for a company to put whatever name they want on a bill to collect it. I did contact the hospital and was told I was not on her account.. So the culprit then falls on Thunderbird Collection.

Company response to consumer: Closed with explanation