vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Avant Credit Corporation
State: IL

Complaint narrative:
I initially took out a loan with this company, which I now realize is a subprime loan company, due to falling behind on some bills and needing help getting out of debt. Initially everything seemed fine. First loan paid off. Second loan refinanced into another loan. That loan refinanced into yet another loan, each time with a higher repayment amount & more time on the loan. Fell behind, set up a payment plan to help catchup on payments. The only problem is that, even though they reduced my payments for six months, all of that money went towards interest and fees, and not one cent went towards reducing the principal of the loan. This dug me deeper in debt to this company. Now, more than a year later, I am just beyond the 50% mark of having paid this loan off...which is ridiculous. I cannot afford to continue paying this loan! My checking account is coming up negative, on a regular basis l, due to these debits & all of my other obligations ( that are necessary for my day to day survival). I am about to lose my car and my job is in jeopardy, due to this overwhelming debt that I have on me. I need relief from this situation & $XXXX less debited from my account each month, will help give me some relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
These are the mortgage loan servicers who has serviced a set of fraudulent loans on my house : XXXX XXXX XXXX , XXXX, Ditech Financial LLC, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX , XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
At the presentation of the Loan Agreement  for financing  roofing work with Lowe's Advantage Loan the Salesman XXXX XXXX showed me in paper my monthly payment. The monthly payment showed $XXXX per month. That was in XX/XX/XXXX. Later in XX/XX/XXXX, I get an invoice for monthly payment of $XXXX. I immediately contacted XXXX XXXX and asked why such huge increase. He called be back and said " Next month and going forward your monthly payment will be restored to $XXXX per month and you will get credit for the excess payment".  Well since then, no adjustment had been paid despite my communication with XXXX and Synchrony Bank which actually financed the Loan.  I want Synchrony Bank/Lowes to roll back to the initial payment arrangement Presented by Salesman XXXX XXXX.  I am sure these companies have misrepresented and cheated several consumers by presenting False documents at Presentation and Later changed the interest rate to Rip Off Consumer s.  I talked and text XXXX several times with no response. I also e-mailed to Synchrony Bank with no response.My second complaint is; The Gutter and Downspout fell during the Storm. I contacted Lowes and XXXX to fix the fallen Down Spout.  No response neither one.  I had to pay a Vendor to fix the issue.I request CFPB to restore the monthly payment to $XXXX per month and issue me credit for the over payment of $XXXX per month since XX/XX/XXXX. I will also file a Civil Suit with The XXXX XXXX County Court at XXXX XXXX , MD.Several Consumers have been coned / lied/ cheated by Lowe's and  Synchrony Bank.

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 2019-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
XX/XX/XXXXpayments were $XXXX.  Repeatedly return my payments saying checks are damaged-XX/XX/XXXX check for XXXX   returned, XX/XX/XXXX charged late fee of $XXXX.  New check XXXX returned "damaged."  Amount due for XXXX I paid $XXXX  for XX/XX/XXXX & XX/XX/XXXX.   XX/XX/XXXXpaid taxes as PennyMac was late.  Escrow was short $XX/XX/XXXXwhich I paid but payments went to $XXXX XX/XX/XXXX.  XX/XX/XXXX check for XXXX returned "damaged."  $XXXX late fee.  They got my acct. # wrong when called in and didn't post so $XXXX fee.  They said account was closed but XX/XX/XXXX I sent copies of statement showing it was open and active.  XX/XX/XXXX check "damaged" letter arrived.  XXXX XXXX has been an ignorant, inept communicator and needs education in customer service and business administration.  I don't know who it is but they must have graduated at the bottom of their class!  Via letter dated XX/XX/XXXX I was told they received another "damaged" payment.  I'm sure escrow will be short again this year and why, even though I pay the deficit, do my payments go up so significantly?  Out of all the businesses I pay by check why are they the one (1) whose checks are damaged?  They are trying to force me into online or auto-pay banking.  It's unethical and dirty business!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 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: IL

Complaint narrative:
I purchased items from XXXX. I returned them in three days. I charged them using a XXXX credit card. XXXX went me bill anyway and it was sent to the wrong address. They charged me late charges and stated that I owed $XXXX. I paid the alleged $XXXX and have not used the card since  I made the purchase in XX/XX/2019. They reported a late payment inXX/XX/2019. I had never received a bill because XXXX   had sent the incorrect invoice to the wrong address

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian has this information listed in my credit report. This information is inaccurate and does not belong on my credit report:NoticesAs part of our fraud protection efforts, a notice with additional information may appear on your Report. Notices are not disputable online. If you believe that this information is incorrect, please contact an Experian Specialist for assistance at XXXX This address has pertained to a business: XXXX XXXX XXXX XXXX XXXX TX XXXX .XXXX  XXXX: XXXX XXXX XXXX XXXX XXXX TX, 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 2019-08-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted Equifax on XX/XX/2019, via phone and spoke with their representative XXXX @ XXXX.  According to FCRA 611, I have a right to request the method of verififcation used in writing by Equifax, to determine the accuracy and completeness of public information.  Ali verbalized to me that the information was verified by the Bamkruptcy Court, but my written request was ignored more than 3 times.  I sent a certified letter again asking for method of verification in writing, the letter was received by Equifax on XXXX.  I received an email response dated XX/XX/2019 stating "The disputed item is not currently reporting on the Equifax credit file: Public Record: Bankrupty XXXX."  I contacted Equifax via phone to clarifiy what does that mean, I don't get a straight answer!My complaint is this, whether they contacted the Bankruptcy Court (I have a letter from the court denying their claim) or a 3rd party affliate (does not contain consumer identifiers, so it is not an reliable source) it is a violation of my rights as a consumer and the information should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
All three credit bureaus list my XXXX account as ADVERSE.I have made on-time payments to XXXX  for 7 years.XXXX should be listed as a NON-ADVERSE 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 2019-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
All three credit bureaus list my XXXX account as ADVERSE.I have made on-time payments to XXXX for 7 years.XXXX should be listed as a NON-ADVERSE account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
All three credit bureaus list my XXXX account as ADVERSE.I have made on-time payments to XXXX  for 7 years.XXXX should be listed as a NON-ADVERSE 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 2019-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I keep seeing a collection debt in my credit, but never received written notice of owing a certain amount.  I want this removed from my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 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: Manhattan Beach Venture, LLC
State: FL

Complaint narrative:
when I was XXXX years old I moved to Orlando to attend college I wasnt making enough money to support myself so i was living off of my student loans and was unable to pay them back

Company response to consumer: Untimely response
Consumer complaint received 2019-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance Collection Agencies, Inc.
State: WI

Complaint narrative:
i have sent several validation requests to Alliance collections asking for information obtained from the original creditor including the original contract and the contract showing that they were assigned this debt and have legal authority to collect and the only response i have gotten was a print out from there computer.Per the XXXX opinion letter put out by the FTC this does not satisfy requirements under the the FTC and FDCPA and is consider unfair debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 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: FL

Complaint narrative:
when I was XXXX  years old I moved to Orlando to attend college I wasnt making enough money to support myself so i was living off of my student loans and was unable to pay them back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 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: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
PennyMac Mortgage Service I have paid this loan off XX/XX/2019. As well XXXX XXXX same day. For some reason PennyMac is still lacking on reporting my Mortgage still open and not paid off or closed. Why? I have at least contacted them at least over 4x. Have no clue why they do not resound.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: NY

Complaint narrative:
i was the victim of identity theft and all 3 credit agencies have been investiagating along with the creditors and have deleted them from my report.  Discover card has not investiagted it, and simply mailed be a statement with a balance and say i owe this amount.  I provided them a phone number and ftc report and details on why the account is not opened or mine at all.  Credit agencies  have deleted it and confirmed, i received a letter from discover the other day 40 days after the dispute that they are handing the matter over to a law firm.  I will try to call them again and give them the info i had provided them.this account is not mine and thier harrassment of calling me has never stopped since my original ftc complaint. Thank you XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA cancelled my card -XXXX  because they said it was "compromised".I was told a new one was sent. After a month I have not received.I tried to resolve by phone, but would only verify my identity by mobile phone or email to which I do not have access, so agent XXXX  and supervisor XXXX would not continue to resolve this problem.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax Information Services LLC on XX/XX/2019 mailed a letter to XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX in which I do not live there. Do not own, rent, or have a mortgage at or at that address. Equifax has my name or some one else at this address. I have uploaded the letter on XX/XX/2019and Equifax Information Services LLC. My name is not Spell right and this person on the letter XXXX XXXX is not me nor my address. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXXEquifax Name on Letter XX/XX/19 XXXX XXXX is not me nor my name. It also seems Equifax likes to play a lot of games with there error..Stop sending mail that's not me to XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX unless you have documented proof to provide of the said address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Placement Services, LLC
State: WI

Complaint narrative:
i have asked Professional Placements services to provide me with proper written validation of my alleged debts and they have failed to comply with FTC standards of validation per the XXXX opinion letter put out by the FTC.which states that proper validation is not achieved by a simple printout from the collection agencies records.and this is exactly what this company has provided and called proper validation.this company has been involved in unfair debt collection practices and is in violation of the FDCPA

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was online shopping about to purchase an engagement ring, lingerie and a few more gifts for my girlfriend since she just had a birthday on XX/XX/XXXX and I wanted to propose. I put a couple of bras in the cart and received a pre approval for a $XXXX  Victoria’s Secret store credit account. I went through the motions and inserted the last four of my social as well as my date of birth. I was approved but when I went to accept the terms, it caused an error. I thought maybe it was my internet connection so I was going to wait 24 hours and try again. I went to both XXXX XXXX website and XXXXXXXX website. Surprisingly, the same thing happened on XXXX XXXX   and XXXX as well. This is really odd. I couldn’t use the back button and didn’t know who to contact. I tried to call the customer service number for each card but was told they couldn’t help without open accounts. I explained that I was just approved but the representative didn’t want to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: IN

Complaint narrative:
I do not want the Netspend Prepaid Debit card issued to me. I want to stop getting mail in the US Postal Service from this company where master card services issued the card from XXXX XX/XX/2019. All customer service numbers and emails have no person to answer at all.

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 2019-08-18 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: LendingUSA
State: FL

Complaint narrative:
I have been working with this company for months! They lied when they reported about my payments to the credit bureaus I was never late. They told me in XX/XX/XXXX that apparently payments in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX were returned which they should have informed me immediately when it happened. They waited months then decided to report me even though I had just spoken to them and sent them bank statements showing XXXX through XX/XX/XXXX were fine and on time. They said oh ok that’s good we updated that those months were ok but XXXX and XXXX I couldn’t get because my husband’s bank account had been closed and he couldn’t go that far back in statements. I was working with them to resolve the issues and yet they screwed up my credit for I don’t know what reason. I then received a letter from my husband’s bank explaining they made a mistake and that in XX/XX/XXXX they recharged my husband for those missed payments. I sent the company this letter over 3-4 times by email proving they were paid the XXXX! Every time I asked them about it no one had a clue where those XXXX went so now this money some how disappeared and no one knows where it is. I am beyond XXXX XXXX  with this company I have also reported them to the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I traded in a lease for a new lease with XXXX XXXX   FL.  They paid off the balance of the lease in the trade in.  Chase financed it in XX/XX/2019 . Chase financed the old lease and the new.  The trade in balance $XXXX that was absorbed by XXXX  and paid off. We have a XXXX balance due but yet chase still has it on my credit till today. we have taken all measures to clear this up including a letter from chase and XXXX stating there is no balace due. With over 30 calls to both institutions and sending the letters to credit agency they responded that Chase is responsible for the reporting.  This is negatively effecting my credit rating and must be cleared immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
While checking my Transunion credit report I noticed a name that differs from mine and addresses of states and places I've never lived. For instance there are reports of me living at two different addresses in California.  I've lived my whole life (almost 60 years ) in Virginia. Please advise me on how to correct these mistakes.  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