vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
I'm lock out of all my money. Online banking change something on Monday XX/XX/XXXX taxes day. They put 74 page read before they unlock your money. They said that they got the word on Friday XX/XX/XXXX. They DID NOT put anything out on Friday Sat, Sun, and lock us out on Monday. 74 pages of bull ... and words that only a atty would know. Why did they do this on the day that you need to move money??? Is they something that they don't want you to see. I still can't get my money. My taxes are not on time, bills are not payed. All this without notice ... why didn't they sent e-mails, put something on the web Friday??? WHY LOCK OUR MONEY TELL WE SIGN. HOLDING MY MONEY FOR RANSOM. YOU SIGN AND YOU GET YOUR MONEY. SOUNDS LIKE WE HAVE LAWS ABOUT THIS ... I CALL THE BANK AND THEY SAID YOU HAVE ACCESS TO MY MONEY. IT'S XXXX XXXX  AND THEY CLOSE AT XXXX. THE LADY DID NOTHING FOR ME BUT ABUSED ME ... I GET A XXXX ON THE PHONE TO UNLOCK MY MONEY TO PAY BILLS. AND I '' LL READ THIS LATER. WELL THAT WAS LIKE TALKING TO A ROCK. PLEASE GIVE ME ACCESS TO MY MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
The problem is with Synchrony Bank. The proper forms to request IRA required minimum withdrawals were mailed to Synchrony Bank. They acknowleged receipt on XX/XX/2019.I called on XX/XX/XXXX, to determine the status of my request, and was told processing takes 3 to 5 business days.The XXXX was, of course, already the 5 day nad the transaction had not yet been processed. On checked on line today, XX/XX/XXXX, and found the transaction had not yet been processed. In, addition, I was told the transaction would take place within the next three business days. I asked to speak with a supervisor and was told I would receive a call back within two days. 

I have a major concern : doesn't Synchrony have the funds available for disbursement : do they have a liquidity problem : are they in danger of failing? 
Secondly, what type of customer service service is this?

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 2019-04-17 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I purchased 3 gift cards ( {$500.00}, {$500.00}, & {$10.00} ) for XXXX XXXX to complete an online purchase ; however, when I went to use the cards they show {$0.00} balance. Per the terms

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 days late in XX/XX/XXXX another 30 days on XX/XX/XXXX another 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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:
In XXXX of 2019 I applied and was approved by XXXX XXXX XXXX XXXX for a Car Loan at the best available interest rate. 

On XX/XX/XXXX, I recieve my Equifax credit score from XXXX stating my Equifax Credit Score is XXXX. 

I ran all 3 credit reports before and prior to my loan and it appears as the following : Equifax = XXXX XXXX =XXXX XXXX XXXX Although it did not affect this loan, I am not pleased at the inaccurate information. Over 40 pts. 

Why do I even bother working on my credit score when these agencies go with an arbitrary number. 

This is not right and misleading. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I would like more information or clarification with regard to how the credit card company charges interest on your purchases. 

I have attached a copy of 2 statements, from Capital One. XXXX statement is dated XX/XX/2019 and it reflects a balance owed for the amount of {$420.00} and it clearly states in paragraph 1 that is this amount is paid in full by the due date there will not be any assessed late charges. Now we have next statement from XXXX which reflects the balance being paid in full on XXXX and they still assessed a late charge. 

I paid the amount that was requested on their statement and they told me that they can still charge the interest on this balance even though it has been paid in full? 

I have spoken to Capital One and was told because the balance wasn't paid in full in XXXX? that's why I was charged the interest fee in XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Nationwide Mortgage Bankers, Inc.
State: NJ

Complaint narrative:
We closed on our home on XX/XX/2018. We did not receive the closing disclosure until 2 hours prior to closing. At that point we realized that there were a lot of fees and were not explained before. We had no choice but to close because all of this happened 2 hours before the closing. Now we find out that the lender under your guidelines had to provide us with the closing disclosure 3 days before the closing, If they had followed your guidelines we would have had time to find another lender. 

This lender charged us 5.875 % in interest which was " reduced '' because the lender made us pay {$2600.00} in points. We never knew about these points until 2 hours before the closing. In addition the lender added {$2100.00} towards pre paid future utility water payments. We were told that since we used a grant this money had to be used in one way or other and it could not be applied to other closing cost or to reduce the loan amount. Then after we moved in we were informed by the water utility company that the previous owner owed money ( there were no liens against the house ) to the water commission and they kept the money. We never received the credit for the {$2100.00} pre paid towards the water. Basically that money went to the seller without our knowledge until after we moved in. 

We feel that we were deceived by the lender. They did not follow federal guidelines and all of a sudden, 2 hours before the closing, they came up with {$4800.00} in additional costs at which point we had no other choice than to pay or lose all the money we had invested in purchasing our first home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
For the past two weeks I called Transunion and XXXX Bank a minimum of 7 times. Transunion has no record of me and told me that it has been mixed up with another person. I had to have XXXX bank verify with a Transnunion rep to confirm that my profile is fragmented. XXXX bank was able to identify the problem using tools to look up my profile with or without social security #. Transunion reps. asked me if I had a tax ID # implying that I wasn't from the U.S. or asked if I had a mispelling of my name etc. Currently I don't exist and have been asked if I even had credit. XXXX for example has all my credit information. It is impossible to speak with someone at Transunion who could help me. I was recommended to by XXXX to get a supervisor who was from America. I have never received any credit report information from Transunion and which makes it impossible to answer any credit history questions with Transunion. I have nothing that shows up on my profile. I even was on the phone with someone for an hour at Transunion who wouldn't transfer me and just sit at his computer. Luckily, I was able to get someone to put in a " maintenance request '' on Friday XX/XX/XXXX. I was told it would take 5-7 business days, but when I called the following Monday, they to confirm they have my request being processed or just acknowledging it, it appeared like it was the first time he saw the issue. I was even asked if I had a file #, which they are supposed to have and look up for me. I can't do their job for them. In total it took about 10 calls to Transunion up to this point. 

Bottom-line : Fix my fragmented non-existent profile Never received a credit report from them Concerned about fraud and identify theft because it got " mixed up ''

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 2019-04-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rozlin Financial Group, Inc.
State: FL

Complaint narrative:
Rozlin Financial Group has reported on my credit report that I owe XXXX to XXXX XXXX XXXX XXXX. 

I have disputed the charges twice with XXXX, however XXXX states they have certified the information to be correct. I provided XXXX with the documents that Rozlin Financial Group provided to me which clearly shows payments being made to this alleged account. 

There are three issues that I have : 1. I have fulfilled my obligation with XXXX XXXX XXXX XXXX   years ago ( I only had an account one time ). 

2. How can you provide documents of payments being made, but then report 0 payments? 

3. Where is the contract that obligates me to these alleged new charges?

I have attached some of the documents that were sent to me. You may request they send you the same. One of the documents were drawn up as of XX/XX/2019. Company 's should not be able to fabricate documents that impacts people 's lives tremendously!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation
State: AR

Complaint narrative:
My name is XXXX XXXX XXXX and in XX/XX/2019 I was interested in a property and I contacted by the realtor who could help through the process obtaining this property. I was directed to the XXXX XXXX XXXX in XXXX XXXX Arkansas to assist me in the process of financial assistance of getting this property. She asked me turned all the documentation and in hope that I would qualify a loan through this lender. As XXXX was approaching I made it my business to turn in all the documentation for this property so an offer can be made. Since the property had been vacant little over a year and no other persons had made any movement toward the property I was sure that I would have no issues in finalizing me getting into this property. This would not be the case several week turned into what is now XXXX and heard nothing from any party about the home or was there movement from the Mortgage Company about any request that was in getting the property in question. On XX/XX/2019 with no real concern in a group text just casual stated an offer has been made on the property who you like me to help you get into another home. I never thought this would be the issue, but here I am faced with the real situation why did you not help me obtain this home? Several months passed and not a single person contacted me to help me in the home buy process. The Same owner has another property near each other and the family moved in within a XXXX weeks and I am or was still waiting for assistance. I simply do not want to believe the pigment of my skin was the bias for this company not assisting me in the process of getting in this home. I would hate for that to the issue in 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have my card for 6 months and already have 3 late fees First they nevet sent me an statement and I was late the first payment they charged me XXXX dls Second I was clear that my payments were the XXXX of the month, they said is the XXXX now I have 2 more late fees or XXXX dls because I paid the XXXX I ask them please to enrolled me in automatic payments so I dont miss payments they said they dont have that service I ask them I was late only for one day based in miscommunication and they say is not a company concern Im broke I work 2 jobs and my late fees are already XXXX dls and my payment is XXXX Im paying more in interest than to my bill Please help me, the company is inflexible

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: IL

Complaint narrative:
After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA in that it has been more than 30-days.  Please see items below ACCOUNTS XXXX ****XXXX not mine XXXX   XXXX ****XXXX not mine XXXX XXXX ****XXXX {$1100.00} not mine XXXX ****XXXX {$600.00} not mine ****XXXX  {$150.00} not mine XXXX ****XXXX {$430.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I would like to request a copy of promissory note reference on enclosed letter from Navient. The amount of interest charged during forbearance is atrocious especially when Navient failed to provide other options during my hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2019 ) by means of a Credit Repair Organization, Experian has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX {$1100.00} not mine XXXX XXXX {$2900.00} not mine XXXX XXXX BK XXXX {$600.00} not mine XXXX XXXX XXXX XXXX XXXX {$430.00} not mine

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 2019-04-17 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: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
XXXX XXXX sent me a letter ( see attached ) claiming that they received a report from XXXX   saying I had a bankruptcy on my credit report. That was false and defamatory. XXXX   verified that the information was not present on my report. Yet, the enclosed letter from XXXX   clearly states that false information and presents it as fact. In fact, it appears that XXXX tried to force that false information onto my credit report from what I have learned in an attempt to defame me because of ongoing complaints with them and my request for a payment from the Civil Penalties Fund.

This is extremely alarming and this letter ( see attached ) comes from XXXX and directs me to their Bankruptcy department. This is what XXXX had to say on the record : Company 's Response Thank you for submitting your complaint on XX/XX/2019 through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX. In your complaint, you indicated that XXXX inaccurately listed a bankruptcy on your credit report. You would like the bankruptcy removed from your credit report. According to our records, the disputed information does not appear on your current XXXX credit report. We are in the process of forwarding you a copy of your credit report for review. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from XXXX, or write to XXXX at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : XXXX XXXX XXXXXXXX. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with XXXX. 

DESCRIPTION OF NON-MONETARY RELIEF According to our records, the disputed information does not appear on your current XXXX credit report. We are in the process of forwarding you a copy of your credit report for review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: IN

Complaint narrative:
I qualify for an Income Drive Repayment Plan. I have a reminder set to apply every year on the same day. For the past few years, XXXX will take a very long time to process the IDRP. Once they process it, they will mark my account as having late payments for the previous year. My credit score will drop 100-150 points. It takes months to fix it with the credit bureaus and also with XXXX. They make me submit it 2-5 times every year. They will tell me I filled it out wrong and need to do it a different way. I'm sitting on 2 months now dealing with this issue this year. It's like this every single year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: FL

Complaint narrative:
After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2018 ) by means of a Credit Repair Organization,  Equifax has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below COLLECTIONS XXXX {$1000.00} not mine XXXX {$180.00} not mine XXXX {$50.00} not mine XXXX {$820.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted via certified mail a notarized FTC report, police reports and a personal statement that highlighted a fraudulant/inaccurate account from XXXX on my credit report with Experian. The account in question is still reporting under my name and social via my personal 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 non-monetary relief
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CNG HOLDINGS INC
State: FL

Complaint narrative:
XXXX XXXX XXXX has reported on my credit report that I owe XXXX to Why not Lease it. 

I have disputed the charges twice with XXXX, however XXXX   states they have certified the information to be correct. I provided XXXX with the documents that XXXX XXXX XXXX provided to me which clearly shows payments being made to this alleged account. 

There are three issues that I have : 1. I have fulfilled my obligation with Why not Lease it, years ago ( I only had an account one time ). 

2. How can you provide documents of payments being made, but then report 0 payments? 

3. Where is the contract that obligates me to these alleged new charges? 

I have attached some of the documents that were sent to me. You may request they send you the same. One of the documents were drawn up as of XX/XX/2019. Company 's should not be able to fabricate documents that impacts people 's lives tremendously!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC

Complaint narrative:
Under the FDCPA Section 807 ( 8 ) : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX  ), XXXX XXXX XXXX XXXX  ( XXXX  ), XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX c/o Rushmore Loan Management Services, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  ALL have failed to report a disputed debt to the credit bureaus.

Company response to consumer: Closed with explanation