vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
I have XXXX XXXX 's a mortgage company,4 to 5 years ago. I called and asked for a notification, they said we had to be six months behind, so we did called back and they said we don't qualify, we got way behind, I think almost a year, then they said we got a notification, and lower our payment, I tried to refinance with another company and they said we had a 40 year mortgage. I checked my paperwork and it had My wife and mine name signed on them, which we did not sign, and then I checked all the paperwork on line, they had servicemember civil relief act paperwork, which myself and my wife, was not in I was in XX/XX/XXXX to XX/XX/XXXX., The reason I'm writing this is I checked my credit report and it had, pai in full, AND it had motifaction paperwork saying loan modified not under a federal government plan, I got on line and checked XXXX XXXX and found out the got sued, nobody let me and my wife know, or I would have signed papers. And also on my statement it says, total regular payment and under that total unpaid amount. Can you help me please, My wife and I never missed a payment until they told us to thank you XXXX XXXX, my numbers is XXXX thank you for all the help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 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: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
Auto loan was for XXXX I was in good standing with the loan company for 51 months making monthly payments. 

Account charged off for XXXX which is more than the balance that i owe. 

The company is reporting incorrect terms of 84 months on some credit reports and then 81 months on other credit reports. 

My contract is a 72 month term. The charge off amount should be the amount that i owe on the loan according to the date of the last payment. 

Each month the company is reporting a different past due balance. 

Starting XX/XX/XXXX past due balance reported was XXXX XX/XX/XXXX reported twice to credit agencies a past due balance of XXXX and XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX Company states the last payment was maybe in XX/XX/XXXX Date of XXXX delinquency reported as XX/XX/XXXX Amount charged off is higher than the balance that i owe Amount charged off is higher than what the original loan was for I have disputed and asked for payment ledger without any response

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: North American Credit Services
State: FL

Complaint narrative:
I contacted North American Credit Services on XX/XX/XXXX to pay a debt that was showing on my credit report in the amount of {$240.00}. I paid it in full to have deleted off of my credit report. They then asked if I was going to take care of a {$1000.00} debt from hospitals / doctors back in XX/XX/XXXX. This was NOT on my credit report at the time. This is XX/XX/XXXX. I asked them to hold off until I do some research on the bills because I don't recall them from over 3 years ago. 
Then a few days later my credit score was hit and dropped XXXX points because they put it on my credit reports. They did NOT allow me to verify the debts that I thought were paid in full. They reported it on my report when I asked them to give me time to research. Now my scores went down XXXX points and its hard for me to come up with the debt. I am still unable to verify. I asked that they send me all documentations that the debt was mine so I could compare to any bills that I also had. I keep all my documents. She got smart with me and said that would take some time. I told her to send them. 
I still haven't received them and in the mean time its still showing on my credit reports and still badly affecting my scores. 
Can you please assist me with having them take this debt off of my 3 major reports until I get all documentation from them and do my research to make sure my insurance company or they did not drop the ball. It is totally unfair especially since it was ME reaching out to them to pay off a debt I noticed on my credit report when I started to used XXXX XXXX.. I paid that one off because I had the bill to verify and thought I was doing the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 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: RFNA, LP
State: TN

Complaint narrative:
XXXX XXXX calls me at work, on my cell phone several times a Day, several times a week. Ive asked the client service Rep. to stop harrissing me. Im not delinquent on this account. XXXX XXXX has reported to XXXX, XXXX, and XXXX the three credit Bureau the account delinquent because I requested they stop harrassing me. Ive never been delinquent on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
A payment was missed and I ij informed Synchrony bank that I would pay the full amount due before the next due date. They have continually called since then, 3 to 4 times a day.

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 2018-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am still waiting for CAPITAL ONE 360, to return funds, that are still in my closed checking account, to the original sender. I have made 2 complaints, with the bank responding that they will return the funds. That has not been done. I believe that there will be no satisfying response from the bank as to why it has not been done, yet. I do not want another letter, saying that they will be returning the funds, just return the funds!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I entered into union XXXX XXXX, Wich is located in XXXX XXXX XXXX XXXX nj, applied for a auto loan, I was told that I would need a co sniger to get the loan, I didn't have a co sniger so I left the dealership. 
Five months later I started to receive invoice for payment for a vehicle that I didn't have in my possession, so I tried to sue the car dealership for farud, they had a lawyer and I didn't so my case was dismissed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I have an XXXX XXXX XXXX. it says XXXX XXXX blocked my round ups from going to my account. I've tried contacting customer service & I'm told " that they have nothing to do with it. '' Looking for answers ... 
thank you

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 2018-10-15 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I had a Synchrony Bank card via TJMaxx and I had noticed that there was an account that was reporting on my credit report with a number I was not familiar with and I submitted a complaint that my card or identity had been used to get a fraudulent card. I was very upset and concerned and the matter was addressed over the past 7 months. Synchrony bank was actually opening up new account with new account numbers every time I called or wrote or disputed the unknown numbers and not telling me that these were in fact the same account until XX/XX/2018 and after multiple phone calls, FTC report and multiple investigations when I finally contacted the " executive office '' it took so much time that I actually lost nearly 3 days of work time working on correcting the issue and WAS NEVER NOTIFIED each time they assigned a new number for my card therefore I believed that someone was opening multiple accounts with my information. It was impossible to talk to anyone who understood my concerns and could never get a last name or direct contact when I called back and had to repeat my story over and over again. Not only was this incredibly upsetting and harmful, my credit scores have been compromised for over 8 months during these investigations. I am overwhelmed with what it has taken to understand what was going on and had multiple employees get angry and even hang up on me. I am appalled as I have had many Synchrony bank accounts over the years with absolutely no issues. This has been extremely harmful, I have been denied 2 loans and multiple credit cards and I am paying very high fees for insurance. I was even denied employment from a company that I excelled in the interview process and most likely was told my credit score hurt me. The variety of events that this affected has cost me embarrassment and well as financial hardships.

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 2018-10-15 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:
XXXX XXXX calls me at work, on my cell phone several times a Day, several times a week. Ive asked the client service Rep. to stop harrissing me. Im not delinquent on this account. XXXX XXXX has reported to Transunion, XXXX, and XXXX the three credit Bureau the account delinquent because I requested they stop harrassing me. Ive never been delinquent on this account.

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 2018-10-15 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: TN

Complaint narrative:
XXXX XXXX calls me at work, on my cell phone several times a Day, several times a week. Ive asked the client service Rep. to stop harrissing me. Im not delinquent on this account. XXXX XXXX has reported to XXXX, Equifax, and XXXX the three credit Bureau the account delinquent because I requested they stop harrassing me. Ive never been delinquent on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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:
XXXX XXXX calls me at work, on my cell phone several times a Day, several times a week. Ive asked the client service Rep. to stop harrissing me. Im not delinquent on this account. XXXX XXXX has reported to XXXX, XXXX, and Experian the three credit Bureau the account delinquent because I requested they stop harrassing me. Ive never been delinquent on this account.

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 2018-10-15 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: TN

Complaint narrative:
Auto loan was for XXXX I was in good standing with the loan company for 51 months making monthly payments. 

Account charged off for XXXX which is more than the balance that i owe. 

The company is reporting incorrect terms of 84 months on some credit reports and then 81 months on other credit reports. 

My contract is a 72 month term. The charge off amount should be the amount that i owe on the loan according to the date of the last payment. 

Each month the company is reporting a different past due balance. 

Starting XX/XX/XXXX past due balance reported was XXXX XX/XX/XXXX reported twice to credit agencies a past due balance of XXXX and XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX Company states the last payment was maybe in XX/XX/XXXX Date of 1st delinquency reported as XX/XX/XXXX Amount charged off is higher than the balance that i owe Amount charged off is higher than what the original loan was for I have disputed and asked for payment ledger without any response

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 2018-10-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened my new checking account with Citi Bank in XX/XX/2018 and met the requirements for the promotion offer of XXXX . It has been more than 6 months and I have not received any bonus. I called the customer service several times in the past few months but no any response. I request the Citi honor its promotion offer as advertised.

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 2018-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The date that shows when the bankruptcy was filed is showing XX/XX/2012. This date is incorrect the date that my bankruptcy was file is XX/XX/2012. Case # XXXX Also the credit reporting agency says they verified the account, but did not disclose how they verified the account and who they used to verified the accuracy of the account.

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 2018-10-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Purchases totaling {$27.00} were made XX/XX/XXXX and XX/XX/2018 using Lowe's/XXXX XXXX Credit Card . Electronic delivery of statement was missed and {$25.00} payment due on XX/XX/XXXX was made two weeks later on XX/XX/XXXX. The remainder of the balance for purchases plus interest ( {$3.00} ) was made XX/XX/XXXX when the next statement arrived. Interest on {$25.00} for two weeks calculated at the statement rate of 26.99 % annual is approx. {$.00}. ( XXXX XXXX  ).  Lowes assessed a late fee of {$25.00} on the original purchase amount of {$25.00} ( purchase amount was paid two weeks late ). That is equivalent to approx. 200 % per month or 2400 % per annum. When the original fee of {$25.00} was not paid, Lowe's/XXXX XXXX, on subsequent statements continued to assess and attempted to collect additional fees and interest, compounding monthly. The current balance of fees and interest on XXXX amount purchase principle is {$180.00}. For the calculation on a zero principle to be any amount more than XXXX, the interest rate required would be more than infinite. 
I hereby report Lowe's/XXXX XXXX  for the crime of usury.

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 2018-10-15 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I had a XXXX XXXX card via XXXX and I had noticed that there was an account that was reporting on my credit report with a number I was not familiar with and I submitted a complaint that my card or identity had been used to get a fraudulent card. I was very upset and concerned and the matter was addressed over the past 7 months. XXXX XXXX  was actually opening up new account with new account numbers every time I called or wrote or disputed the unknown numbers and not telling me that these were in fact the same account until XX/XX/2018 and after multiple phone calls, FTC report and multiple investigations when I finally contacted the " executive office '' it took so much time that I actually lost nearly 3 days of work time working on correcting the issue and WAS NEVER NOTIFIED each time they assigned a new number for my card therefore I believed that someone was opening multiple accounts with my information. It was impossible to talk to anyone who understood my concerns and could never get a last name or direct contact when I called back and had to repeat my story over and over again. Not only was this incredibly upsetting and harmful, my credit scores have been compromised for over 8 months during these investigations. I am overwhelmed with what it has taken to understand what was going on and had multiple employees get angry and even hang up on me. I am appalled as I have had many XXXX XXXX  accounts over the years with absolutely no issues. This has been extremely harmful, I have been denied 2 loans and multiple credit cards and I am paying very high fees for insurance. I was even denied employment from a company that I excelled in the interview process and most likely was told my credit score hurt me. The variety of events that this affected has cost me embarrassment and well as financial hardships.

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 2018-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: PA

Complaint narrative:
My identity was stolen and is being used in another state. I was reported to collections for an unauthorized charge I did NOT agree to and I did NOT sign for. I'm in the process of buying a house and was informed of this fraudulent charge and it is greatly affecting my health and I'm going to have to take legal action. The police have been notified and an police incident case has been started. I have sent the paper work to them and it's still on my report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have a fraud watch on my credit report since around XX/XX/2008 but not 100 % sure that the year is correct but close enough, and NO ONE is to run my credit without calling me first to see if I applied for credit. In this case I have not applied for credit from anyone in any form being loans, cards, etc. I'm XXXX from end stage of my XXXX XXXX and I'm at home on XXXX care with XXXX XXXX XXXX. I've been on hospice care since XX/XX/XXXX. First with XXXX XXXX and then I changed to XXXX XXXX.I 'm not able to apply for credit of any type nor have I been contacted by anybody about getting credit. So if there is anything you can do to put a stop to this please do so. I'm not looking for credit from anyone. 

Yours truly, 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 2018-10-15 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: CA

Complaint narrative:
I enrolled in the Public Service Loan Forgiveness ( PSLF ) in XX/XX/XXXX. Once I enrolled in the program my student loans were transferred over to XXXX XXXX. Once I verified my employment they updated my remaining payments. In XXXX I also got verification for the employer before my current job and was told payments from that could be used as well. Once that was submitted the payments on my statements to XXXX became confusing. It Went from 34 Qualified payments ( XX/XX/XXXX ), to 20 ( XX/XX/XXXX ), to currently 17. At last call to them ( XX/XX/XXXX ) I was told a review was submitted in XX/XX/XXXX ). I have not been able to get an accurate understanding of where I am in the process of completing the PSLF program which is making it difficult for me to plan financially long term. I have made many decisions to remain at a non-profit given the opportunity to participate in the PSLF. There are several other practices that I have experienced that make me feel like they are not trying to help the customers in getting forgiveness. 
1 ) I have automatically been put in forbearance 2 times without my consent, the account accrued interest. When I followed up with this, I was told it was due to natural disasters that I was not a part of ( wildfires in XXXX California and Hurricanes on the East Coast ). I requested that the payment I sent be applied, but this resulted in an over payment ( which later I find out does not account for a qualified payment. 
2 ) Every time I call there is no information on my account being updated. I am told that the reviews of information take a long time, but I have been going through this over two years. I need to be able to plan long term financially for my family and I.

I am very concerned especially since I am hearing horror stories of people who think they have completed the program but only later to find out their payments did not qualify. I find it hard to believe that a financial institution can not tell the status of its customers financially.

Company response to consumer: Closed with explanation