vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
To Whom it May Concerned : After several attempts to fix this problem, first with the Department of Agriculture, then with CFPB submitted twice, I still struggling to solve this issue with GM Financial. One of your agents recommended me few contacts seeking for help. I contacted Florida General Attorney at XXXX, the agent advised me to contact CFPB and requested a grievance form. As I explained before I bought this car a XXXX XXXX XXXX in XXXX with a value of {$6900.00}, I was agreed to pay {$260.00} for 72 months with accrues daily interest. 
On XXXX I went to emergency room ( XXXX yrs.old ) from my work, I was admitted in the 2nd floor ( XXXX XXXX ) and stayed 4 days, I was discharged with restrictions one of them DO NOT DRIVE, because I have debts to pay including the XXXX, next day I back to work, meaning if I didn't make my payment at that moment was because I was very sick, I made late payments but i also paid my late fees and of course they fooled me with an extension. 
I recovered from my illness I went back to work full time, I did my payments accordingly. 
On XXXX again went to emergency room and I was discharge but to follow up with a lot of XXXX XXXX and XXXX I kept working, I wanted to make my payments. By XX/XX/XXXX again got very ill, so I decided to pay off the car before i turned XXXX. But since then it have been a nightmare with GM Financial. I have paid XXXX for 72 months ( XXXX ) for a car in the amount of {$6900.00} a total amount interest of {$12000.00}, the payment of two cars without interest. 
On XX/XX/XXXX, I sent an email explaining them my financial crisis. They called me offering me help so I met a commitment of {$300.00} by XX/XX/XXXX and {$300.00} by the end of the month. On XX/XX/XXXX, my paycheck was of {$430.00}. Therefore I could only pay {$270.00} and my account was overdraft. 
On XXXX, I received a GM Financial invoice dated XX/XX/XXXX with a total amount of {$1500.00} to pay and O PAYMENTS TO GO. I went to their page and they had a total amount of XXXX another discrepancy, always discrepancies. 
I think this have been very unfair, inhuman, and unnecessary for a company like this to continue with this embarrassing situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I went to purchase a couch and they offered 12 months no interest. They could not not offer me credit because i did not have a cell phone. That is discriminating.

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 2018-11-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: GA

Complaint narrative:
I applied for the Public Service Loan Forgiveness Program. In XXXX when I was accepted into the program my loan was transferred from XXXX to XXXX   XXXX. I never received any correspondence in the mailing stating the change or that I was even accepted into the program. Last week I received a notice from XXXX XXXX stating my student loans were behind 120 days with XXXX XXXX. So I called them to see what this was referring to because I was under the impression I was still with XXXX. I was told about the consolidation and transfer of the loan. And that they were sending my correspondences to an old email address because when I had XXXX XXXX back in 2013 I was signed up for paperless notifications. I was never notified that I needed to reapply for my Income Driven Repayment Plan which doesn't come up for re certification until XXXX with XXXX. So my credit was hit very hard because I wasn't properly notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I have a mortgage that is serviced by Ditech Financial LLC on a property I own in Connecticut. In the entire history of this loan, I have never missed a payment or even been late on one. I received a letter dated XX/XX/2018 from a collection agency alleging that Ditech had not received my mortgage payment that was due by XXXX. Subsequently, I logged into my account and saw that the payment for the exact amount ( {$1400.00} ) was submitted 2 days early - and received - on XX/XX/2018. 

The payment was submitted electronically. However, Ditech misallocated the payment, directing the entirety of the proceeds towards principal. This is not how I had arranged the payment, through their own system. 

To make matters worse, they opted to refer the matter directly to a collection agency and applied a late fee to my account. 

This is easily the 5th time I have had this issue arise with Ditech, and I am beyond tired of having to spend my time pointing out errors of their own creation that have a meaningful effect on me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
creditor : XXXX XXXX XXXX XXXX Balance:XXXX account : XXXX creditor : XXXX XXXX XXXX XXXX XXXX   Balance:XXXX ACCOUNT : XXXX creditor : XXXX XXXX XXXX Balance:XXXX account:XXXX creditor : XXXX XXXX Balance:XXXX account:XXXX creditor : XXXX XXXX XXXX XXXX Balance:XXXX account:XXXX creditor : XXXX XXXX XXXX XXXX XXXX Balance:XXXX   account:XXXX THESE ARE MY SONS ACCOUNTS AND THEY PUT THEM ON MY CREDIT! PLEASE REMOVE THESE ITEMS!

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 2018-11-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
creditor : XXXX XXXX XXXX XXXX Balance:XXXX account : XXXX creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance:XXXX ACCOUNT : XXXX creditor : XXXX XXXX XXXX Balance:XXXX account:XXXX creditor : XXXX XXXX Balance:XXXX account:XXXX creditor : XXXX XXXX XXXX XXXX Balance:XXXX account:XXXX creditor : XXXX XXXX XXXX XXXX XXXX Balance:XXXX   account:XXXX THESE ARE MY SONS ACCOUNTS AND THEY PUT THEM ON MY CREDIT! PLEASE REMOVE THESE ITEMS!

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 2018-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/18, i received an email from XXXX stating there was a change made to my credit score. Upon review of this information, there was a suspicious inquiry made with XXXX on XX/XX/18 in an attempt to open an account in my name. This is a fradualent account and this inquiry has lowered my credit score. A phone number ( XXXX ) was also added to my credit report and this number does not belong to me.

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 2018-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
They just sent me a bunch of PDFs ( letters ) that I never received back in 2017. They are using that as a reason to collect on a mistake they made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
A modification was requested from XXXX XXXX XXXX  in XXXX for my mortgage. During the request the mortgage was not late and no payments were missed prior to the request. The request was due to income being reduced by {$3000.00} yearly. The modification was subsequently reduced however a charge of {$1000.00} appeared on my mortgage statement as recoverable advance. As stated before I was never advised that a modification cost {$1000.00} nor had a I signed any papers or received any documentation for fees incurred. The loan has since been transferred to a mortgage servicing company that will not accept mortgage payments forcing me into delinquency unless I pay for a modification granted in XXXX that I never received any correspondence that HAMP modifications cost that much.

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 2018-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion is reporting a duplicate credit card account on my credit report. 
It is a XXXX XXXX credit card dated XX/XX/XXXX. I already had a XXXX XXXX account that was opened in XXXX. 

I have contacted TransUnion, XXXX, XXXX, and XXXX to have this XX/XX/XXXX XXXX XXXX account deleted from all of my credit reports. Only XXXX credit bureau has deleted it from my credit report.

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 2018-11-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
I have a mortgage with PennyMac and my monthly payment is {$3000.00} my address is XXXX XXXX XXXX XXXX XXXX, MD XXXX, and my name is XXXX XXXX, my phone number is XXXX, e-mail address XXXX On Saturday XX/XX/2018 I received my monthly statement and my XXXX payment was not posted, so today Monday XX/XX/2018 at XXXX XXXX I called PennyMac and I spoke with XXXX to check why my XXXX payment was not posted she said that PennyMac received my XXXX payment after XX/XX/XXXX, I explained to her that I pay through my bank account online every month and I was never late before and if she can give me credit for the late fee of {$89.00} she put me in hold for long time and when she came back on the phone she said that she will not give me the credit, I told her that it is my bank fault and I would like to speak to her manager then she put me on hold again for long time and then I spoke to XXXX the supervisor and she also refuse to give me credit for the late charge which it is my first time with the PennyMac to be late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: OH

Complaint narrative:
This is a continuation from XXXX XXXX XXXX to specialized loan servicing. They claim we owe back payments we don't. They have not turned over the lost check to the homeowners insurance. We have a lawyer, he was accused of being fraudelent and a scammer. Read the complaint we gave about XXXX  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 explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: SC

Complaint narrative:
My Mortgage was original with XXXX, XXXX and XXXX, Then bought out by XXXX XXXX XXXX. I received notices stating my payments hadn't been processed to my account. Next thing I start getting calls from XXXX XXXX XXXX, I tried to submit all my documents to them for help on resolving this matter, Then Fay servicing was calling, neither time was I notified of the switch. I sent XXXX, XXXX XXXX and Fay servicing all information canceled checks and 2 different statements from XXXX with different balance numbers, I also informed them the XXXX XXXX XXXX had walked off and abandoned the property and sent them a abandonment affidavit. I was laid off and struggled with each of these after faxing multiple times loan modification application and not getting any response on this account. I have tried to get them to help me save my home, Fay services stated there was nothing they could do to help me. Not even giving me chance or explanation. This is my home stead property, I am eager to save my home and a chance to do it. Come to find out Fay servicing was mailing information on the home to a XXXX XXXX another address not the home address not XXXX XXXX XXXX .Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX is reporting a duplicate credit card account on my credit report. 
It is a XXXX XXXX credit card dated XX/XX/XXXX. I already had a XXXX XXXX account that was opened in XXXX. 

I have contacted XXXX, Equifax, XXXX, and XXXX to have this XX/XX/XXXX XXXX XXXX account deleted from all of my credit reports. Only XXXX credit bureau has deleted it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX is reporting a duplicate credit card account on my credit report. 
It is a XXXX XXXX credit card dated XX/XX/XXXX. I already had a XXXX XXXX account that was opened in XXXX. 

I have contacted XXXX, XXXX, Experian, and XXXX to have this XX/XX/XXXX XXXX XXXX account deleted from all of my credit reports. Only XXXX credit bureau has deleted it from my credit report.

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 2018-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Opened a Citi account with promotion code XXXX, for {$400.00} bonus.Deposit of {$5000.00} in checking and {$10000.00} in savings on XX/XX/XXXX18.Maintained for 60 days which would be XX/XX/XXXX18. Then an additional 90 days for bonus to post per terms of agreement which would be XX/XX/XXXX18 at the absolute latest. All requirements are met. {$15000.00} still in open accounts so it is open and active but Citi has not posted my bonus. It is nearly a month past the absolute latest that Citi promised to post my bonus.

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 2018-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: NV

Complaint narrative:
The company is Conns. I have had a credit account with them since XXXX of XXXX. I have made my regular payments every month since that loan was established. This month, I was unable to make the full payment on my credit account and called them on the due date of XX/XX/XXXX and explained to them that I could make a partial payment, which I did of {$30.00}, which leaves me with a balance of {$74.00}. I explained to them on several occasions that I will pay the remaining balance due on XX/XX/XXXX or XXXX, and no later than the XXXX of next month. They began by asking me why I couldnt make the full payment, which is none of their business, especially with the fact that I have not had any past problems with the monthly payment. They refused to make further payment arrangements with me, and have been texting me multiple times. These people are intrusive, and harassing me at this point. As a good customer, I would expect a positive interaction with them, but not this. This is very upsetting to me emotionally. An additional note : each and every time I have made a payment over the phone, they also ask me what my source of income is, or who is my employer. That is none of their business either. They also threatened to report me to the credit agencies if I didnt make the full payment. They also said, Well you came into our store looking for an item and we provided that service to you, why cant you be responsible enough to pay your bill on time?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
On XX/XX/XXXX I was approved for the Income Base Repayment plan. Which I don't have to pay anything until The renewal which is next year, XX/XX/XXXX. I submit this paper work on XX/XX/XXXX, and was approved on XX/XX/XXXX but they still access a late for to me for XXXX. I shouldn't have a late fee because I submit my paper work before XX/XX/XXXX which would have been late at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Avant Credit Corporation
State: CA

Complaint narrative:
I applied for a card. I was " approved. '' I was connected bia XXXX XXXX. Then they send me a vague email asking me to call them. I make three attempts to call them back. Each time they claim they need to make an outbound call to me. They don't call once. I have not one attempted inbound phone call in my call log. Supervisor XXXX fake apologizes for me " feeling this way '' and also promises to call me and doesn't. I believe this company has scammed my personal information and is a fake/fraudulent company. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I have recently checked my credit report because I was getting notifications of inquiries being reported or added to my report, I was ignoring them at first because I didn't understand what they were saying, I recently checked XXXX XXXX it told me I had 35 inquiries with XXXX and 13 with Equifax along with XXXX none of which I applied for credit, or gave consent to financial institutes to run my name or social. Im not really sure how this came about but I would like to get it resolved in a timely fashion. I am attaching the police report along with this complaint in regards to the inquiries that were ran without my knowledge or consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-26 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: IN

Complaint narrative:
I have recently checked my credit report because I was getting notifications of inquiries being reported or added to my report, I was ignoring them at first because I didn't understand what they were saying, I recently checked XXXX XXXX it told me I had 35 inquiries with XXXX and 13 with XXXX  along with experian none of which I applied for credit, or gave consent to financial institutes to run my name or social. Im not really sure how this came about but I would like to get it resolved in a timely fashion. I am attaching the police report along with this complaint in regards to the inquiries that were ran without my knowledge or consent.

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 2018-11-26 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: FL

Complaint narrative:
I have been writing every 30 days to Transunion and XXXX about a Bankruptcy that is showing on my credit and i have wrote XXXX  and it was removed but stills appears or other too I have wrote UNITED STATES BANKRUPTCY COURT in XXXX fl and they did send confirmation that they do not verify and the credit bureaus keep saying they have verify with the bankruptcy department this bankruptcy is not my account I will include letter from bankruptcy department and XXXX  report showing bankruptcy been removed

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 2018-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have two accounts with Portfolio Recovery. They have failed to verify the Debt as valid.

Company response to consumer: Closed with explanation