vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My issue is with my Wal-Mart card thur synchrony bank. The last time I used the card was in XX/XX/XXXX at a gas station however someone fraudulantly made two charges around XX/XX/XXXX both for XXXX $ and also fraudulantly made a payment over {$800.00} it took me until XX/XX/XXXX to get this resolved some how the fraudsters were able to change my address order a new card and increase the credit line. I first notice this issue on credit karma and when dealing with synchrony was even advised that was I sure I hadn't made a XXXX $ payment because fraudsters don't usually do that. You can see from my payment history I have never shopped at the store in question or made that type of payment. Now it is XX/XX/XXXX And this is happening all over again. There are two new fraudulent charges both for XXXX $ synchrony says they have no record of me sending in the documentation to resolve the first fraud case and will no discuss the matter until I mail personal documention which I am apprehensive about sending due to their issues with my privacy.

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 2018-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX

Complaint narrative:
I think its because of this reason : This past year I went to the hospital because I had multiple XXXX in my XXXX XXXX, it was something I couldnt heal by myself, it was a real emergency. Since I dont receive medicaid but I do have the XXXX XXXX XXXX insurace I thought that was going cover it but no it didnt, they dont accepted anywhere I went and since I dont work I only go to school, I dont have the money to pay back. I received multiple calls/cards telling me that if I didnt pay they were going to affect my credit, but like I mentioned before since I dont have the money to pay, theres was nothing I could do about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
XX/XX/XXXX the borrower contacted AES to inquire how to process a co-signor release which the grandmother had signed for back in XX/XX/XXXX. AES is the lending institution and XXXX is the collection agency they use to process the payments, collect overdo payments, and make the calls. The representative for AES stated that the loan was taken out prior to when the co-signor release law with was instituted, so the loan was not eligible for that option. The grandmother is XXXX old and is trying to finalize any issues with her Estate that may be generated upon her death. The grandmother has received statements that have provided details that the loan is current and has been for more than 3 years. It is not believed that the information AES is providing is not accurate and in fact is a lie. The borrower has paid over the amount in interest payments that the original loan was taking out for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CT

Complaint narrative:
My mortgage was sold to XXXX XXXX  on XX/XX/2018. I am currently in bankruptcy but am keeping the property, clearly stated in all paperwork. I have made on time payments throughout ( to my previous mortgage lender XXXX XXXX XXXX ). I was told by XXXX XXXX, because of active bankruptcy, I needed to pay by check, money order, or my banks bill pay. I made a payment through XXXX XXXX electronic bill pay ( not a check but an electronic payment i. e. A debit payment ). XXXX XXXX, by default, sent the payment to Loan Care Servicing Center, as they used to be an associate of XXXX XXXX. Someone from LoanCare accepted my payment. It has not been posted to XXXX XXXX, it has not been returned to my account and LoanCare knows nothing. Ive been told by 2 different workers that loan care works for XXXX until today I was told they do not. But because I do not have a loan with Loan Care they cant find my money. I am now late on my first payment with XXXX with no solution in sight. I have {$1800.00} floating around somewhere that no one can find. Loan Care Servicing Center is who has taken my money with no return.

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 2018-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I never used this account. There should never have been any balance

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 2018-03-03 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: CORELOGIC INC
State: CA

Complaint narrative:
Hello, I have hard inquires on my credit report I would like to get removed I have not received loans by any lenders and I have not authorized these things please help me remove my inquires as far as my credit report. 

Thanks

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 2018-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: IN

Complaint narrative:
XX/XX/2017 Pennymac sent answer regarding loan mod they approve me for fha hamp also said it was most beneficial to me I was not reviewed for partial claim or only claim or forbearance said for explanation why to see exhibit two which only stated this section doesn't apply no other explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax removed my legal birth name and added a different name causing my report to no longer display my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: VA

Complaint narrative:
Viewing my credit report in detail, I noticed an account was opened using my credentials with a company going by the name of XXXX XXXX XXXX XXXX on or about XX/XX/2016. It claims it has been placed in collections for the amount of {$630.00}. The account status is still labeled as open. I have received a derogatory remark on my XXXX Credit report making it very difficult for me to obtain the credit that I need. I have never at any time received any mail or bill from this company. I have never had any account with XXXX XXXX XXXX, this is not an account of mines or I have ever opened. I would like to address this immediately. I would like this derogatory remark removed from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 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: Informative Research
State: CA

Complaint narrative:
Hello, I have hard inquires on my credit report I would like to get removed I have not received loans by any lenders and I have not authorized these things please help me remove my inquires as far as my credit report. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: COMMERCE BANK

Complaint narrative:
I have opened a money market account with them where they agree to give me XXXX bonus as long as I put XXXX in their account and leave for 90 days. I follow their request and they refuse to give me bonus, claim that I need flyers to have that. 

However, it was a public offer that post online, and I have confirmed with banker for this as well, they keep that offer online even I tried to resolve the problem with them till XX/XX/XXXX. I am frustrated the bank service can't promise what they have to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a remark that effected my credit very badly, I have had a someone use my social and other id to co sign for their own use with out my consent, and I really want that off my report I'm only XXXX years old and I'm new to the credit world I really don't want this to affect me and my future. I have another account that I opened which my payment history is 100 %.

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 2018-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CO

Complaint narrative:
I'm in day 76 of a refinance. I have been told 4 times that I was approved upon a few conditions. Every time the conditions were meet and then comes a new set of conditions.They have lied 4 times and are charging new rate locks.There is no way they can turn me down because of my income and credit. So they go on and on with the lies.I have looked at the terrible reviews and now see what they are doing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I have purchased online some XXXX  bags using my credit card with total amount XXXX dollars on XX/XX/2017. Unfortunately, i received fake XXXX bags. I tried to resolve the matter with the merchant but all my tries were useless. I have disputed the charge and talked to the Bank about explaining what happened. The Bank agent asked me to provide some documents so i did. however, the bank asked me to get a second opinion on that merchandise i received and this should be on a letter head from a store that have the expertise to define genuine XXXX bags. I have tried very hard to get that letter but no store accepted to give it. i get back to the bank telling them about what happened but they refused to consider it. I went to XXXX store and the assistant manager check the merchandise and told me that he can not write a letter describing the merchandise but he instead can give some information on XXXX store business card and he said he was happy to explain that on phone if the bank what to get more details about that matter. i got back to the bank telling them that this was what i can do since no store want to give me that letter on " letter head ''. I talked to the bank today and they refused to accept that and they insisted on getting that second opinion letter on letter head. Now, my account was charged and my credit report was affected, and I want this matter to be solved.

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 2018-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I finished school in 2012 at XXXX. My outstanding loans were XXXX. some how they reported me owing XXXX. Need resolved! Have made hundreds of calls. Never get a resolution and company is dropping the ball every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: NE

Complaint narrative:
On XX/XX/XXXX I submitted a dispute with XXXX about 5 Dept. of Education/Nelnet accounts that are showing on my report. The amounts of the 5 accounts are {$2200.00}, {$3500.00}, {$3700.00}, {$4500.00} and {$5100.00}. I requested for them to send me a signed contract ( proof ) of these and was only told they have been verified but nothing was sent to me in my file to show me a signed contract. On XX/XX/XXXX I submitted another dispute with XXXX about 5 US Dept. of  Ed/XXXX/XXXX accounts that are also showing on my report. These amounts are {$4500.00}, {$3500.00}, {$5800.00}, {$7500.00} and {$3600.00}. I requested the same for these accounts, a signed contract ( proof ) and was told the same, they have been verified but NO proof was sent to me in my file. All 10 of my disputes were updated on XX/XX/XXXX. These also show on my XXXX  and XXXX   report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
On XX/XX/XXXX I submitted a dispute with XXXX about 5 XXXX XXXX XXXX   accounts that are showing on my report. The amounts of the 5 accounts are {$2200.00}, {$3500.00}, {$3700.00}, {$4500.00} and {$5100.00}. I requested for them to send me a signed contract ( proof ) of these and was only told they have been verified but nothing was sent to me in my file to show me a signed contract. On XX/XX/XXXX I submitted another dispute with XXXX about 5 XXXX XXXX XXXX XXXX accounts that are also showing on my report. These amounts are {$4500.00}, {$3500.00}, {$5800.00}, {$7500.00} and {$3600.00}. I requested the same for these accounts, a signed contract ( proof ) and was told the same, they have been verified but NO proof was sent to me in my file. All 10 of my disputes were updated on XX/XX/XXXX. These also show on my Transunion and XXXX  report 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 2018-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
On XX/XX/XXXX I submitted a dispute with XXXX about 5 XXXX XXXX XXXX   accounts that are showing on my report. The amounts of the 5 accounts are {$2200.00}, {$3500.00}, {$3700.00}, {$4500.00} and {$5100.00}. I requested for them to send me a signed contract ( proof ) of these and was only told they have been verified but nothing was sent to me in my file to show me a signed contract. On XX/XX/XXXX I submitted another dispute with XXXX about 5 XXXX XXXX. XXXX    XXXX accounts that are also showing on my report. These amounts are {$4500.00}, {$3500.00}, {$5800.00}, {$7500.00} and {$3600.00}. I requested the same for these accounts, a signed contract ( proof ) and was told the same, they have been verified but NO proof was sent to me in my file. All 10 of  my disputes were updated on XX/XX/XXXX. These also show on my XXXX and Equifax report as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C.
State: PA

Complaint narrative:
I did not receive anything from these creditors I have sent CERTIFIED letters to them for the past few months, disputed with the credit bureaus and I have heard nothing. I currently have an open account with XXXX that is up to date with no past due balance however there is an account for {$1500.00} reporting on my credit profile unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian Credit Bureau removed my mortgage account from my credit report in XX/XX/2017. My FICO dropped 100 points or more because of this. I called Experian and was told there was nothing they could do. That I needed to call XXXX XXXX XXXX and request they resend the data to them. I did make that call and XXXX said that request had to be made by Experian. So, I called Experian, again, and they refused to assist. I stayed on the phone between the two for hours. They refused to work with one another to correct this error. XXXX did verify they sent data to Experian monthly. I just want an account I have had for almost 20 years reported correctly on my credit report. Both XXXX and XXXX have it listed. If Experian can't report my information correctly ( even when the error is brought to their attention ) then they shouldn't report on me at all! As a consumer expectations for the 3 credit bureaus is set extremely high, as it should be, considering the impact their reporting has on a consumer 's purchasing power.

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 2018-03-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I contacted Navient by with my attorney on XX/XX/XXXX. At that time, we were told that Navient would send me a XXXX form to film out. Almost a month later, I still had not received any form from them, so I called again on XX/XX/XXXX and requested that a XXXX form be both mailed and emailed to me. To date, I have still not received any XXXX form from Navient. I expect to be given an extension on my forbearance at no expense to me until they get me the XXXX forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
Since graduating from school in XX/XX/2010 the creditor company names continue to be changed, taken over, replaced through acquisition. When I check my credit report different companies are listed but the amount is the same. I have tried several times to get them to remove the accounts since they were closed due to the original company being replaced. It has truly affected my credit score since it is the same accounts over and over again. I was informed that after 7 years the account would be removed. The lender company for my student loan has changed names and ownership several times. Yet the amount keeps reappearing as if I owe to each one. I am really trying to work on building up my credit but this is seemingly becoming a hardship. In my credit report I have the same loan showing up with 5 different names. It would be great if the old ones would be removed. 
Also for one of my accounts it continues to appear as closed even though it was paid in full. It does not reflect or let potential lenders know that I have paid the creditor the full amount that was due.

Company response to consumer: Closed with explanation