vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
Received loan from Mariner Finance XX/XX/XXXX in the amount of {$3000.00}. Was told I could pay the loan online only through their website in any amount that I saw fit as long as I made the minimum payment of {$130.00} per month for 24 consecutive months. The first time I logged in to pay the loan amount said upward of {$5000.00} so I called and asked why and was told by rep on XX/XX/XXXX not to worry about that as I pay it will be reflected to show I only received $ XXXX -- plus  about $ 400- {$500.00} in interest once I reached the full term of the loan which I Planned on paying back in just three months. The next issue was that the website would not allow me to pay more than {$130.00} as a time so I was unable to put lump sums on this loan as I was initially told I could. There was also a few dollar fee to do so which worried me about even more about the dollar amount shown right from the gate. I was skeptical so I tried to cancel the loan and give the money back. I was told I could not do this. I asked a few months later in XXXX for a copy of the loan agreement because the interest rate somehow jumped approximately 5 % from XX/XX/XXXX to XX/XX/XXXX. I was told no that I should have my copy I originally signed and they don't keep record. That was weird to me. I stopped paying the loan after paying approximately {$2100.00} in XX/XX/XXXX after numerous attempts at getting answers. The debt is now showing on my credit file as delinquent in collections and in the amount of {$2900.00}. I have been reaching out via email as so to have documentation of my claims for the past year with not one response. I want this tradeline removed from my credit reports as it is misrepresented in a myriad of ways.

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 2019-01-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX XXXX  charge card had two fraudulent charges that were reported at least two weeks ago. I was assured that the matter would be taken care of on two separate occasions. I should point out that this card was never used. I have always used the " XXXX '' app to make purchases which is a direct payment from my bank. 
Account is owned by Synchrony Bank. 
The card was canceled and a new card issued. I continue to get past due notices and I see that it has also been reported to credit rating agencies. 

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX GAL PREMIUM {$40.00} XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX GAL PREMIUM {$42.00} 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 2019-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
XXXX-19 XXXX XXXX XXXX is what the customer service number appears to be ... they answer as XXXX XXXX however this number is a scam or fraudulent ... they are advertising {$100.00} to be spent at any major retailer ... for just {$4.00} The correct XXXX XXXX number is XXXX ... the above number needs shut down ... I have closed my credit card and spoke with XXXX XXXX   and made a complaint with their department as well

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 2019-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hello! 
My name is XXXX XXXX XXXX and I used to live at this address shown here XXXX XXXX XXXX XXXX XXXX XXXX, M.D XXXX from XX/XX/XXXX - XX/XX/XXXX, finally I decide to move out after 20 long years my new XXXX address since XX/XX/XXXX is XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. 
I have already try so many time to change or delete the old and wrong information from XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX today saturday, XX/XX/XXXX. I'm keeping trying to continue to do it without getting positive results ... 
I have nothing to do with Health care products ..I don't have or never had any physique health problem at all, never been under any Dr prescription..just my dentist long time ago and I only got XXXX Reason : this wrong information from my old address is really lock me out to all opportunity in odren to get a better or fix my score from all credit agencies report, is completely harmful. unfavorable, negative, beside is not true at all .apparently someone use my old address without my consent. 
Thank you so much and look forward to see if you can fix this mess Ms XXXX, XXXX   XXXX -- -- -> this is what they said and showing in my experian credit report agencies ... ... ... 
*the This address may be perceived as a high risk because it has pertained to a business, or was used as a mail drop or a delivery service : XXXX XXXX XXXX XXXX MD XXXX. 
HEALTH CARE PRODUCTS : XXXX XXXX XXXX XXXX XXXX, MD, 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 2019-01-26 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express- I have been removed as an authorized user as of XX/XX/2018 verified by various calls to American Express with the most recent this month and it is still reporting to all 3 credit Bureaus. They refuse to send the electronic verification to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My name is XXXX XXXX, I am an XXXX XXXX member I buy things on XXXX all the time and the problem is the card that XXXX uses for its financial dealings which is XXXX XXXX. I owed {$220.00} which I could have paid all as I have done in the future but I did not receive any paper bill, I switched to the paper bill because of being charged unknown items through the paperless bills and the auto draft payments, to monitor my debts I switched back to paper bills and deleted the auto draft. 
Without a bill, I knew I have bought some things and decided as I wait for the bill to send some money minimal of {$100.00} last month on the XX/XX/XXXX and this Month on the XX/XX/XXXX another {$100.00}. To my shock, the XXXX XXXX  reported late payments and though I am paying more than the required minimum payments each month. 
This has really hurt my credit, I spoke to one of the managers and she said she can not help with the negative reporting even though its a lie I am paying money towards the owed bill of {$220.00}. 
I need it cleared from my credit report because I am paying double the minimal amount and paid it off. 
XXXX XXXX does not care about its customers and is rated very poorly.

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 2019-01-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have a student loan with Navient. I've been paying on it for 5+ years and my balance has not decreased. I feel this is a negative amortization loan and I was not aware of that. I also think that certain payments I have made have not been applied correctly to my principal. I looked at the payment history and none of my regular payments have any portion applied to my principal. If I want to refinance this loan to another lender then the balance I transfer is higher than it should be after paying for 5 years. All I've been doing is paying interest and my principal has not decreased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I paid my total balance due on my credit card for XX/XX/XXXX ( the very day the bill arrived ) by phone payment ..by check. the message said your payment has been accepted amount XXXX. On the next bill arriving XX/XX/XXXX I was charge a XXXX fee for the balance not paid and non payment fee. so the XXXX. XXXX was added to the new charges for XX/XX/XXXX. I promptly paid the old and new amount complete by check. it is now accepted. I filed a complaint with NJ banking and insurance ( they are referring case to you via S. Case, XXXX XXXX XXXX XXXX ) and was contacted by XXXX Visa by several letters that say nothing. paragraphs about how they are reviewing it and we are not promising any refund of the XXXX. Point is I had no idea visa didnt get payment or if it is even true. they had 17 days to inform me the payment did not go through before the XX/XX/XXXX due date. I could have sent the payment again. I found out of the fee on the next bill 28 days later. I am saying that they found with the big stock market crash late XXXX the best way to charge up lots of revenue for the end of year impose fraudulent fees on customers to balance out. I am sure it is that and I will not pay the fee, but many will. This need investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
OneMain 's response to my previous complaint to them is unacceptable! They stated that the credit bureaus don't allow them to delete credit inquiries, knowing FULL WELL that the credit bureaus MUST BE NOTIFIED BY THEM to delete credit inquiries! I have ALREADY disputed these inquiries with the bureau ( they're only reporting with XXXX   ) and the keep coming back TELLING ME TO CONTACT THE CREDITOR/COMPANY! So NOBODY is responsible??? I NEVER did ANY inquiries/applications with you all! Where's your proof??? I will repeat what I stated in my previous complaint : There are three hard inquiries that are illegally reporting in my XXXX  credit file for OneMain /  OneMain Financial. My XXXX  was dinged on XX/XX/2017, XX/XX/2017, and XX/XX/2017 ; two have XXXX area locations and one has the corporate XXXX, IN, location. None of these inquiries have permissible purpose to be reporting in my file. Permissible purpose is pulling for employment, court order, insurance, or includes a firm offer of credit. The inquiries do not fall in any of those categories. I do not have any accounts with OneMain and never have, nor did I apply. Moreover, I called them yesterday and both a local rep and a national rep said that all they see in their system are two RECENT inquiries attached to FLORIDA locations, of which I also have absolutely no clue about. I gave them my social security number to check their records. PLEASE NOTE : I repeat, OneMain does not even have record of the three inquiries reporting in my XXXX credit file. They need to be deleted immediately. I gave the dates and locations of the inquiries to both reps and they said that all they saw were the two RECENT inquiries. I was given reference numbers for those : XXXX and XXXX. They ALSO need to be deleted, especially before these rogue inquiries reach any of my credit reports. I had previously disputed the three inquiries twice that are in XXXX, so what all this means is that the so-called investigation XXXX  and/or OneMain Financial did both times was completely nonexistent. I will be filing a separate complaint against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: NY

Complaint narrative:
I have repeatedly called on each below date and asked for a " conditional approval letter '' for each of my four loans through Discover which were bought from XXXX XXXX. Each time I asked for the approval letter I was instead sent a copy of my initial loan application before it was approved. In the loan application is says my variable interest rate will be as identified on my conditional approval letter. Discover Student Loans is unable to provide the " conditional approval letter '' which leads me to believe they may be misleading me on my variable interest on all of my loans. 

Each date I called Discover Student Loans, requested the conditional approval letters and filled a formal complaint. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 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: LEXISNEXIS
State: IN

Complaint narrative:
Under all applicable FCRA & FDCPA regulations, I request a description for the procedures used in verifying these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 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: ALLIANT CREDIT UNION
State: CO

Complaint narrative:
I have an account that was closed in 2016 but recently i noticed a 30 day late pay show up. It shouldn't be possible to have a late pay show up on an account that has been closed for 2 years. I have tried to have the bureaus correct it but had no success. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Took out Loan with Bank of America on XX/XX/2007 for XXXX some how XXXX XXXX XXXX XXXX XXXX XXXX purchased my home for XXXX and they are trying to foreclose on my home.

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 2019-01-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX, I made a payment of {$150.00} and change to bring my account current with XXXX XXXX chain and the financer synchrony bank. In the recorded call I specified to bring my whole account current and the lady on the other end let me know I was up to date. Today Sat XX/XX/XXXX I'm trying to make a purchase but before I go I call to check available Balance, there is none and the automated system let 's me know my acct. Is closed. XXXX from c.s line XXXX very curtly let 's me know he is sorry to hear this but the account is closed and I still have an amount of {$38.00} and change pending and he was ready to transfer me to the line to pay that, I said no because in the call of XX/XX/XXXX, I  asked that the account be completely current as to not owe anything. XXXX just said sorry and said if I still wanted to pay the amount due I said no and thanked him for his service. I know I was behind and O made my attempt to bring the account current and to make the balance available he said that I needed to re apply. I need the company to review the call of XXXX and explain to me why I still when I was very specific on my call to help bring this account current and why was I not informed the account would be close and why I still oweXXXX .

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 2019-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom Mortgage is illegally delaying and taking excessive time in reviewing and making a decision for my loan modification application. Freedom Mortgage excessive delays, often causing my application documents to expire, which then they would close the application due to expired documents. To date, no decision has been made on my loan modification since first applying in early XXXX. 

I spoke with a loan modification representative at Freedom Mortgage on XX/XX/XXXX and was advised that I was missing an explanation on transfers from account ending in XXXX. I have made numerous fruitless attempts, to explain the {$16.00} DEBITS ( from account ending in XXXX ). On XX/XX/XXXX, l gathered and emailed 61 pages to Freedom Mortgage loss mitigation department. Freedom Mortgage  acknowledged receipt of all pages on XX/XX/XXXX. It is my understanding from Freedom Mortgage that the purpose of the bank statements is to verify my income was received ( bank statements included in the 61 pages emailed ) and verify all income ( all deposits were explained with letters in 61 pages sent on XX/XX/XXXX ). My loan modification application ( as of XX/XX/XXXX ) is pending closure per Freedom Mortgage because of failure to explain the transfers from account in XXXX. 

Because of the delay in my loan modification application review which, violates mortgage servicing rules I was deprived of the ability to make an informed choice about how to save my home, which caused me to file for bankruptcy.

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 2019-01-26 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: MO

Complaint narrative:
XXXX Equifax & XXXX  are reporting accounts that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I am a struggling widow I refinanced my home in XXXX w a gentleman that has passed away he helped w our mortgage I am a nurse by trade I was working with private clients but one passed away in XXXX the other decided to go a different direction XXXX XXXX put me on a forbearance which we paid in XX/XX/XXXX we did permanent loan mod 5.1 never late on payments w them they screwed up on the escrow and we were hurt w the hurricane last year it is a XXXX XXXX loan we got traded to sls forced into home insurance w no help from them Except what they say is 2 periods of forebearance! Ending XX/XX/XXXX we have been scammed before by mortgage relief. We have no family but my daughter is ill we recently got a bill from them stated they conducted a property assessment no one was out here? We have tried mortgage relief companies before but got scammed too. XXXX XXXX XXXX XXXX Was extremely nasty and said our house was in florclosure wheh they didn't check on this they aren't aren't lawyers but the gentleman sent nasty texts to my daughter saying she wasn't smart. Sls will not help us and reported us delinquent we have no family nothing

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 2019-01-26 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: NJ

Complaint narrative:
Equifax is reporting a XXXX account for {$690.00} at XXXX XXXX account for XXXX and the XXXX XXXX account for {$270.00} also XXXX  is reporting the same things I have called Equifax multiple times and they have refused to fix the problem

Company response to consumer: Closed with non-monetary relief